Yep, I was talking generally, but merchants have numbers to call and if the card is present that's all they have to do and then put the cardholder on the phone to the credit card company and leave it to the card company to decide if it's OK to accept the card having spoken to the cardholder and...
As far as I am aware if a merchant who accepts Amex refuses to accept payment by Amex card for whatever reason they will get the facility removed if they continue to refuse Amex and ask for Visa or Mastercard instead.. This is assuming the punter complains to Amex and it is brought to their...
I don’t think establishments that accept Amex are allowed to decline an Amex card. Let Amex know and they will contact the merchant and read them the riot act. Ask me how I know this :smile: