American Express Co. offers various payment card products and travel-related services worldwide, operating through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. The company provides payment and financing products, network services, and accounts payable expense management products, as well as travel and lifestyle services. American Express also offers merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants, as well as fraud prevention services and customer loyalty programs. Its products and services are sold through multiple channels, which include mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. The company was founded in 1850 and is headquartered in New York, New York.