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Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies
Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies

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Payment Method Updater for American Express (AMEX)

Set up American Express (AMEX) Payment Method Updater

Learn how to configure American Express (AMEX) as a Payment Method Updater (PMU) in Zuora so that eligible credit card payment methods are automatically submitted to AMEX for updates based on your approved gateway or processor settings.

Customers' interested in using the AMEX updater functionality must go through a series of steps to configure the PMU service before it can be used.

  • Merchants need to work directly with American Express to complete their Cardrefresher supplement agreement. Contact your American Express Relationship Manager to begin this process.

  • Merchant will need a Service Establishment (SE) number from AMEX. This is a ten-digit number assigned by AMEX that is unique to your merchant account.

  • Customers who have previously used the American Express Cardrefresher service external to Zuora will need to submit to American Express a de-registration file for all existing records prior to enabling the service in Zuora .

  • Your gateway or processor has approved the PMU functionality.
  • You have the Service Establishment (SE) number that American Express assigned to your account.
  1. In the top-right corner, click your username, and then navigate to Settings > Payments > Set Up Payment Method Updater.
  2. In the Updater Type list, select American Express.
  3. Click Add payment method updater.
  4. Configure the updater settings as follows:
    1. Review the Processor field to confirm the gateway or processor that handles the updates.

      After your gateway or processor approves PMU, Zuora automatically sends American Express payment methods to American Express for updates.

    2. Select the Active checkbox to allow PMU to submit credit card information for updates automatically.

      If you configure multiple active updaters, they might submit the same cards and receive the same updates.

    3. In the Name field, enter the name that you want to use to identify the updater.
    4. In the SE Number field, enter the Service Establishment (SE) number that American Express assigned to your account.
    5. Under Rules, choose one of the following options:

      • To include only the default credit card payment methods for customer accounts that have AutoPay enabled, select Only update the default payment method for AutoPay customer accounts.

      • To submit data for all credit cards across all customer accounts, regardless of whether AutoPay is enabled, clear the Only update the default payment method for AutoPay customer accounts checkbox.

Last updated: June 1, 2026