American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company operates a highly profitable merchant payment network. Since 2018, the company has operated in three segments: global consumer services, global commercial services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.American Express Co is a payments, network and travel company. It provides charge and credit card products, travel services, network services, stored value products, loans, and other products and services to businesses and individuals.