American Express SafeKey®
Shop confidently with SafeKey®
It's how we check in when you check out.
SafeKey®. What is it?
We want you to feel confident when you make a purchase with your American Express® Card. That's why SafeKey uses the latest technology to help protect you against fraud while shopping online at participating merchants.
When you shop online at participating merchants, SafeKey's advanced technology works in the background to help protect you against fraud by making sure it's really you. Most of the time, you won't have to do anything. SafeKey will authenticate your transaction automatically.
In some cases, SafeKey will determine that added verification is needed for extra protection.
How does SafeKey® work?
How we may check to see it's really you.
When you shop online at participating SafeKey merchants, the SafeKey box may appear towards the end of your checkout process. Most of the time, you won’t have to do anything. SafeKey will authenticate your transaction automatically.
If SafeKey determines that added verification is needed, you may be prompted to provide details such as,
(1) Entering the three digits found at the back of your Card,
(2) Entering a one-time code* (OTC) sent by text and/or email,
Simply enter the information asked to complete your transaction.
*Do not share your one-time code with anyone including callers claiming to be from American Express. If you receive such calls requesting to share the one-time code, hangup and dial the number on the back of your American Express Card.
SafeKey Pay with Points
When you check out, SafeKey also enables you to use your Membership Rewards® points to pay at participating online SafeKey merchants through SafeKey Pay with Points. 1,000 Membership Rewards points is equal to $7.00 with SafeKey Pay with Points. For more information, please visit the SafeKey Pay with Points section on the Membership Rewards page.
FAQs
You are automatically enrolled in American Express SafeKey. Just ensure we have up to date contact details for you and we’ll take care of the rest.
Yes, American Express provides online protection for all our customers through our Fraud Protection Guarantee*. American Express SafeKey is available at participating SafeKey merchants and helps our customers shop in a safer and more secure online environment.
*As long as you've taken reasonable care to protect your account details & PIN and have provided all necessary information to our Fraud Department, you will not be held responsible for any fraudulent charges. ✓ Enhances Card security
✓ Easy to use
✓ No additional cost
✓ Improved verification for added peace of mind
For more information about American Express SafeKey, click here for the Frequently Asked Questions and the Terms and Conditions.
It is a secure way to authenticate that the customer using an American Express Card for an online purchase is the rightful owner.
You will receive your OTC via e-mail and/or mobile phone number.
Related Pages
Fraud Protection
We have intelligent security systems in place to help protect your Card from fraud1.
Identity Theft
Find out what you can do to help keep your financial details safe and secure.
Online Business Directory
Discover new places to use your Card online.
Download the Amex App
The Amex App makes managing your account quicker and easier. Download it here and enable push notifications to receive account updates on the go.
Terms and Conditions
TM, ®: Used by Amex Bank of Canada under license from American Express.
1. We will guarantee protection against fraudulent payments on your Card, provided you have taken the responsibility to notify us immediately, and you have complied with your Card Terms and Conditions.