OptBlue program can be a good way for smaller enterprises to reduce the costs of processing American Express credit cards. It’s a pricing model for the Amex merchant account that can provide potential benefits to small businesses that take in less than $1 million in volume. If your business accepts Amex cards, or you plan to start doing so, you should understand how this program can be helpful to you, and how it can even hurt your bottom line if you choose the wrong processor.