AmeRICAN EXPRESS - Optblue program.

American Express has recently introduced OptBlue, which is a new pricing structure that will replace the company's current One Point pricing for most businesses. OptBlue's pricing functions similarly to that of Visa and MasterCard's interchange in that processors pay "wholesale" rates to American Express and apply their markup through a cost-plus or tiered pricing model.

American Express's OptBlue program provides the possibility of lower fees for informed merchants.