Bank statement charge
What is AMEX EPAYMENT ACH PMT on my bank statement?
Who charged you
American Express a card bill paid from a bank account
AMEX EPAYMENT ACH PMT is a payment to an American Express card account, taken from a bank account. It is usually your own Amex bill: a one-time payment made online or in the Amex app, or an AutoPay debit on the date shown on your Amex statement.
How it can show on a statement
AMEX EPAYMENT ACH PMTAMEX EPAYMENT ACH PMT [payment code]AMERICAN EXPRESS DES:ACH PMT ID:[payment code] INDN:[NAME] CO ID:[number] WEB
Find out what it was
- 1
If you have an Amex card, open your account online or in the app and check Payments for a payment with the same amount and date.
- 2
Compare the amount with the minimum payment due, the statement balance and any fixed AutoPay amount on your latest Amex statement.
- 3
With more than one Amex card, match the date and amount with each card's payments; the code after ACH PMT changes every month and does not name the card.
- 4
If your bank shows INDN: on the line, read the name after it: that is the name the payment was made under.
- 5
Ask others who share the bank account, including family members, whether they pay an Amex card from it.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to American Express, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “AMEX EPAYMENT ACH PMT”?
When an American Express card is paid from a checking or savings account, American Express collects the money from that bank account by ACH, the US bank-to-bank payment system. Banks print the company name and description that come with the payment: AMEX EPAYMENT, and ACH PMT, short for ACH payment. A payment can also come with the name AMERICAN EXPRESS and the same ACH PMT description; Bank of America lays that out as AMERICAN EXPRESS DES:ACH PMT, with the name the payment was set up under after INDN:.
The short code after ACH PMT looks like a payment reference: people with several Amex cards report that it changes every month, even for the same card, so it does not tell you which card was paid. The line names no shop and no purchase: it is the money that paid an Amex balance, not a new charge.
Why you might see this charge
- A one-time payment to your Amex card that you made online or in the Amex app from the bank account on file.
- An AutoPay debit for the minimum payment due, the statement balance, the adjusted balance or a fixed amount you chose, taken each month on the date shown on your Amex statement.
- A higher debit than usual because the balance was larger that month, or because AutoPay raised a fixed amount to the minimum payment due.
- AutoPay still running on an Amex card that was closed with a balance left on it.
- A payment toward another person's Amex card made from your bank account: sometimes a spouse or relative paying their card, sometimes someone outside the household who entered your account details.
Is AMEX EPAYMENT ACH PMT legit?
Yes. AMEX EPAYMENT ACH PMT is how American Express payments from a bank account appear, and in most cases it is the cardholder's own bill being paid.
The line only says that an Amex card was paid, not whose card. When nobody in the household has an Amex card, or the amount matches no payment in your Amex account, the payment was most likely set up for another person's card with your bank details, by someone in the household or by someone you do not know. Messages that use the Amex name and ask you to confirm a payment through a link are a separate matter; check your own Amex account and bank statement instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| TRANSAK | Transak | TRANSAK is Transak, a crypto payments company that sells crypto through the Buy button in wallet apps such as MetaMask… |
| SP * | Shopify | SP * means you bought from a store that runs on Shopify and takes payments through Shopify Payments, online or in… |
| USA* | Cantaloupe (formerly USA Technologies) | USA* and CTLP* are the prefixes of Cantaloupe, formerly USA Technologies, whose card readers sit on vending machines… |
| BANXA | Banxa | BANXA is Banxa, a payments company that sells crypto through the Buy button of wallet and exchange apps such as… |
| VISA PROVISIONING SERVICE | Visa | VISA PROVISIONING SERVICE is a card check, not a purchase, made when your Visa card is added to a wallet or an app. |
| FID BKG SVC LLC MONEYLINE | Fidelity Investments | FID BKG SVC LLC MONEYLINE is Fidelity Brokerage Services, the brokerage company behind Fidelity Investments accounts. |
| CCBill.com | CCBill | CCBill.com or CCBillEU is CCBill, a US payment company that bills for subscription websites, many of them… |
| SegpayCS.com | Segpay | SegpayCS.com or SegpayEU.com is Segpay, a Florida payment company that bills for subscription websites, many of them… |
Questions about AMEX EPAYMENT ACH PMT
What is AMEX EPAYMENT ACH PMT?
It is a payment to an American Express card account, taken from a bank account by ACH. Usually it is your own Amex bill, paid once online or each month by AutoPay.
What does ACH PMT mean on an Amex payment?
ACH PMT is short for ACH payment. American Express collected the money from the bank account through the US bank-to-bank payment system, instead of a check being mailed.
Why does the code after AMEX EPAYMENT ACH PMT change every month?
It looks like a payment reference: people report a new code with each payment, even for the same card, so it does not name the card. To tell which card was paid, match the date and amount with each card's payments in your Amex account.
Why is there an AMEX EPAYMENT ACH PMT when I have no Amex card?
Someone used your bank account to pay an American Express card. It can be a spouse or relative paying their own card, but people also report payments nobody in the household set up, which Amex could not match to their name. If your bank shows a name after INDN:, that is the name the payment was set up under.
What if I did not agree to an AMEX EPAYMENT ACH PMT?
File a complaint on Complain.biz. We write it with you and send it to American Express, so you do not have to chase it yourself.
Based on
- Your Guide to Making American Express Payments: AutoPay from your bank account, payment options (American Express US)
- Monthly AutoPay Terms and Conditions (American Express)
- Bank statements and descriptors: AMEX EPAYMENT ACH PMT, and how one American Express payment shows at different banks (Modern Treasury)
- Reddit r/amex: the code next to AMEX EPAYMENT ACH PMT changes every month, even for the same card
- Reddit r/BankOfAmerica: AMERICAN EXPRESS DES ACH PMT with an INDN name, for a payment missing from the holder's Amex account
- Reddit r/personalfinance: monthly AMEX EPAYMENT ACH PMT debits on a Wells Fargo account without an Amex card
- Reddit r/personalfinance: an AMEX EPAYMENT ACH PMT debit the family could not match to an Amex account