Comparison

Amex vs MX Merchant Express

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Amex

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Highlights
  • Secure account management
  • Track spending and rewards
  • Pay bills and manage balance
  • Card activation and Apple Pay setup
  • Freeze/unfreeze credit card
  • Real-time alerts and notifications
  • Discover personalized offers
Features
Currently charting
Read full description

The official American Express App for iPhone allows you to access your Account from anywhere. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex App. Touch ID and Face ID login (on supported devices), gives you quick, safe and secure access. Make the most of your Membership with the speed, security and convenience of the mobile Amex® App. SECURE ACCOUNT MANAGEMENT • Enhanced activation experience for you to confirm new Cards and setup your Account. • Activate your Credit Card for Apple Pay in the Amex App, then simply unlock, tap and pay. • Freeze and unfreeze your Credit Card instantly at any time. STAY ON TOP OF YOUR SPENDING • Check your American Express Account balance, pending transactions and sort charges by amount and date. • Go paperless with access to past PDF statements. • Turn on AutoPay to pay your Amex bill automatically from your bank account each month. • Check your spending power. Enter an amount for an expected purchase and you’ll see if it’ll be approved. Approval based on account status at the time of request • Filter transactions to see spending and subtotals for each card on your account. For Basic Card Members Only. PROTECTION WITH REAL-TIME ALERTS • Turn on purchase alerts to be notified when your Credit Card is charged. • Receive instant fraud alerts if suspicious activity is detected. • Never miss a payment with payment due reminders. • Manage all your notifications in the Amex Account tab. EXPLORE REWARDS AND BENEFITS • View your Rewards balance and find ways to use Membership Rewards® points* - from gift cards to credits on your statement. • Use points to cover your eligible charges via a credit on your Account. * • See personalized recommendations for other ways to use points. • Refer a friend and earn rewards when friends and family get an American Express Card through your referral. For eligible Card Members only. AMEX OFFERS * • Discover offers from places you shop, dine, travel and more. • Explore a map of nearby offers. • Get Amex Offers notifications direct to your device. MEMBERSHIP SCREEN* •Benefits apply only to applicable products. AWARD-WINNING SERVICE • We’re here to chat 24/7. Start a chat with us in seconds and revisit conversations any time in the app. We’d love to hear from you! Stay in touch with us using our social media pages: Twitter: @AmericanExpress Facebook: facebook.com/AmericanExpressUS/ Instagram: @americanexpress Send & Split® enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express app.* Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee§. You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best Part? You’ll be the one to earn the rewards for the purchase you split. Enrollment Requirement. Terms Apply. § PayPal may charge a fee when sending to non-US recipients. The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-America Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. App Store is a service mark of Apple Inc. *To see the full Terms and Conditions, copy and paste the following link into your browser and scroll to the bottom of the page: https://amex.co/AmexApp-Terms For J.D. Power 2024 & 2025 award information, visit jdpower.com/awards.

About

MX Merchant Express

This app allows merchants to easily process credit card payments on their mobile devices. It supports all major card types and offers features like on-screen signatures and various receipt options. Setup is quick and straightforward for on-the-go transactions.

Highlights
  • Accepts all major credit cards
  • On-screen signature capture
  • Texted, printed, and emailed receipts
  • Easy-to-use interface
  • Optional tipping feature
  • Fast and simple setup
Features
Read full description

As easy as using a calculator, the MX Merchant Express app is perfect for merchants on the go who want to charge a card with no bells and whistles. - Accept all major Credit Cards (American Express, Discover, MasterCard, Visa) - Easy to use interface - Tips or no Tips - Modern Receipts - Ability to Accept On-Screen Signatures - Texted, Printed and Emailed Receipts - Fast, Simple Set Up - World Class Support https://mxmerchant.com/mx6

Screenshots

Amex4 screens
MX Merchant Express2 screens

Verdict

The call

The clearest difference is rating: Amex at 4.9 against MX Merchant Express's 3.2. Amex also leads on review sentiment (63% vs 22%) and ratings volume (4.4M vs 28). MX Merchant Express's advantage is ads (none vs shown) and iOS requirement (16.0 vs 18.2). On price, in-app purchases, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Amex holds the better App Store score, 4.9 against 3.2. That said, the two scores are not equally well evidenced: Amex has 4.4M ratings behind it against 28, so its average is the more settled of the two. Written reviews point the same way: 63% of Amex's written reviews are positive against 22% of MX Merchant Express's.

UpkeepUpdate frequency

Amex ships an update every 2 weeks, MX Merchant Express every 2 months. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.

Scorecard7 real differences · 4 level
Amex versus MX Merchant Express: the parameters behind the verdict, then further details
ParameterAmexMX Merchant Express
PriceFreeFree
Rating4.9 (4.4M ratings) — better3.2 (28 ratings)
Positive reviews63.0% of reviews — better22.2% of reviews
Number of ratings4.4M — better28
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#30 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.216.0 — better
Further details — not scored
Size533 MB39 MB
Age rating4+4+
DeveloperAmerican ExpressPriority Payment Systems LLC

Customer experience

Amex

All ratings4,442,344 ratings
Positive97.6%
Neutral0.9%
Negative1.5%
Written reviews3,516 reviews
Positive63.0%
Neutral4.2%
Negative32.8%

MX Merchant Express

All ratings28 ratings
Positive53.6%
Neutral3.6%
Negative42.9%
Written reviews9 reviews
Positive22.2%
Neutral0.0%
Negative77.8%

Bugs and requests

Amex

Reported bugs

3 issues
  • Scrolling glitches in the mobile app
  • Inconsistent display of account balances
  • Inability to view high-yield savings accounts

Requested features

5 requests
  • Improved rewards tracking and redemption
  • Integrated dispute submission and status tracking
  • Automatic offer activation based on transactions
  • Better account balance and payment information
  • Seamless integration between mobile app and website

MX Merchant Express

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Amex

No in-app purchases

None

MX Merchant Express

No in-app purchases

Questions

Is Amex free?
Amex is free to download, with no in-app purchases.
Is MX Merchant Express free?
MX Merchant Express is free to download, with no in-app purchases.
Which has better reviews, Amex or MX Merchant Express?
Amex is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while MX Merchant Express averages 3.2 from 28 ratings.
Do Amex or MX Merchant Express have ads?
Amex shows ads; MX Merchant Express does not.
Which is updated more often, Amex or MX Merchant Express?
Amex ships an update every 2 weeks, and MX Merchant Express every 2 months. Most recently, Amex was updated on October 31, 2026 and MX Merchant Express on October 29, 2026.

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