Their own payment-practices filing · gov.uk
How long does American Express Payment Services Limited take to pay its suppliers?
Self-reported figure from their statutory filing. How this is compiled.
On the public register · Companies House
Company record
- Status
- Active
- Type
- Private Limited Company
- Incorporated
- 4 Jul 2007
- Registered office
- BELGRAVE HOUSE, LONDON, SW1W 9AX
Terms vs reality
Stated terms: 30–60 days. Reported average: 26.
At a glance
The key figures
Vs peers · latest reported averages
The pattern
Getting slower
Average days to pay across their last 6 statutory reports.
Where their supplier invoices land · latest period
The read · computed from their figures
American Express Payment Services Limited has filed 17 statutory payment periods (earliest H1 2018). Their latest report puts the average at 26 days against stated terms of 30–60 days.
The direction is slower: from 10 to 26 days over the window — about 16 days slower.
In the latest period 10% of invoices were paid outside their agreed terms, and 3% landed 61+ days out.
What they tell their suppliers
In their own words · from the filing
Standard payment terms
American Express’ standard contract length is 3 years with standard payment days of 60 after receipt of a correct, undisputed, timely provided and properly due VAT invoice. In many instances we raise purchase orders with suppliers and again the standard payment days is 60.
Dispute resolution
The process for resolving potential disputes is explicitly set out in all contracts that American Express enters into with its Suppliers. If there are any disputes / issues around payments or invoices, the first action is for Supplier to get in touch with their contact in American Express. In the event an issue cannot be resolved, then the American Express Procurement team will review the matter and work with the Supplier to identify a solution. In addition, Suppliers are able to contact the Vendor Payables team in order to check the status of their invoice(s) in the payments cycle.
Other information
For suppliers where we sign contracts (not purchase orders) American Express has a range of payment tool options that can allow suppliers to be paid faster than the standard 60 days.
Every statutory report on record
Most recent first.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 26 | 10% | 3% | 23 Jul 2026 |
| H2 2025 | 18 | 3% | 0% | 30 Jan 2026 |
| H1 2025 | 21 | 2% | 0% | 24 Jul 2025 |
| H2 2024 | 15 | 4% | 4% | 23 Jan 2025 |
| H1 2024 | 18 | 9% | 9% | 23 Jul 2024 |
| H2 2023 | 10 | 3% | 3% | 11 Jan 2024 |
| H1 2023 | 7 | 4% | 4% | 4 Aug 2023 |
| H2 2022 | 7 | 2% | 2% | 9 Jan 2023 |
| H1 2022 | 6 | 2% | 2% | 15 Jul 2022 |
| H2 2021 | 5 | 1% | 1% | 13 Jan 2022 |
| H1 2021 | 5 | 2% | 2% | 12 Jul 2021 |
| H2 2020 | 4 | 1% | 1% | 28 Jan 2021 |
| H1 2020 | 8 | 2% | 2% | 23 Jul 2020 |
| H2 2019 | 6 | 2% | 2% | 28 Jan 2020 |
| H1 2019 | 7 | 1% | 1% | 30 Jul 2019 |
| H2 2018 | 7 | 1% | 1% | 30 Jul 2019 |
| H1 2018 | 6 | 1% | 1% | 30 Jul 2019 |
Quick answers
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How UK payment reporting works
What is a Payment Practices Report?
What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.
The 31-day comparison figure is the median across 6,185 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).
Report PL-06301718 · latest period to 30 Jun 2026
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