American Express SafeKey®
Protect your business and your customers
Overview
Making online shopping safe, secure, and seamless is good business.
American Express SafeKey ("SafeKey") leverages the global industry standard - EMV® 3-D Secure - to provide an additional layer of security for your customers shopping through web browsers or making in-app purchases.
SafeKey enables you and the Issuer to exchange detailed customer information to validate their identity for a safer and a seamless checkout experience. Risk-based authentication techniques limit the need for using verification methods such as a one-time passcode on high-risk transactions, thereby reducing friction for your customers during checkout and helping you prevent fraud.
Reduce fraud liability
When activated, SafeKey reduces fraud and transfers the liability for fraud chargebacks on eligilbe transactions back to the Issuer1.
Pay with Points
Give customers greater choice to pay the way they want with Membership Rewards® points3, increasing their potential for additional sales with no additional integration and receiving payment as normal, all by using the latest version of SafeKey.
Industry leading success rate2
SafeKey has a success rate of 97% globally2. (Success rate means when a payment has been successfully authenticated)
Increase customer security confidence
Help customers feel more secure about online purchases.
Reduce shopping cart abandonment
By using additional data elements that are already part of the checkout process, SafeKey helps Issuers reduce friction and increase conversion rates by enabling them to authenticate more low risk payments without a challenge.
Step 1
SafeKey enables the Issuer and Merchant to work together to authenticate the customer’s identity before authorisation occurs.
Step 2
The customer’s identity is verified by the Issuer before the transaction is authorised. SakeKey determines the transaction risk and if identified as high-risk the customer may be prompted to verify their identity e.g. with a one-time passcode.
Step 3
The SafeKey authentication improves the Issuer’s confidence to authorise the transaction.
Fraud Protection
1. Valid for eligible SafeKey transactions only.
2. Source: Global Payment Regulation and Authentication 2021 Report by Ravelin. American Express SafeKey 2.1 success rate is 97% compared with up to 90% for other networks.
3. Available for selected American Express issued cards.
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.