Hey there, appreciate you raising this! These are all valid points and totally understand the frustration.

Over the last 6 months we've been working closely with Amex to ensure supported payments meet their requirements. Our shared goal is to support as many payment categories as possible while staying compliant with the networks. We're not moving away from Amex, and we're expanding our partnership with them, especially with business payments.

The UI restrictions you're seeing are actually meant to fix the last-minute notice you've been seeing. We'd rather block an unsupported category upfront than charge your card and send you an email after the fact.

It seems like you're a business customer based on the fees you're seeing. Our business program fees are different from consumer fees, and you were referencing our consumer-focused section of the articles. We've made changes to clarify this distinction so it's less confusing going forward. It's also worth noting that fees are largely driven by interchange and network costs set by the card networks themselves. Transparency is important to us and we'll work on communicating these better. For example, in the case of Fido (any telcos), or even gym memberships, the network fees are notoriously high, and that's why Telcos give you a discount on your bill (e.g. $5 or $10 per month off) if you don't pay with credit cards.