AXP

American Express is a globally integrated payments company founded in 1850. It operates through card-issuing, merchant-acquiring, and card network businesses. The company offers a range of products and services to consumers, small businesses, mid-sized companies, and large corporations globally. Key offerings include credit and charge cards, banking and other payment and financing products, merchant acquisition and processing services, network services, travel and lifestyle services, and expense management products and services. The company distributes products through various channels, including mobile and online applications, affiliate marketing, third-party service providers, business partners, in-house sales teams, and direct marketing.

American Express generates revenue through several primary streams: discount revenue (fees charged to merchants for accepting card payments), interest income on loans, card member fees (such as annual fees), service fees, and processed revenue. The company operates an integrated payments platform that generates revenue from both the issuer side (through card member relationships) and the network/acquirer side (through merchant relationships). Revenue is derived from a broad customer base of consumers and businesses globally, with significant operations in the United States and internationally.