Make your everyday payments with American Express® Card fast, simple and safe.

Fast

• Speed through checkout process around the world where contactless payment is accepted. Just look for the American Express® logo and contactless symbol.
• No accidental payments. Your Card must be extremely close to the reader for transactions to push through.

Simple

• A tap with the contactless Card is all it takes. A light or electronic beep lets you know you're good to go. Save time typing pins or signing receipts. 

Safe

• Contactless payment capability is based on secure EMV chip technology which provides data protection and transaction security.
• You are in control of your transaction. Your American Express Card never leaves your hand to make payment.
• You can also minimise contact with cash and other surfaces when you shop and pay with your American Express® Card's contactless payment feature. 

The "Tap" Motion in 3 Easy Steps

Use your Card anywhere in the world such as fast food restaurants, convenience stores, movie theatres, and more.

Step 1: Look for the American Express logo and contactless symbol

Step 2: Tap your Card on the expresspay terminal or at a distance less than 4cm from the terminal.

Step 3: Wait for the beep and the light indicators to turn green to know that your transaction is successful. 

Keep track of your purchases made with American Express Card.

• Check your records online anytime by accessing your account information at www.bdo.com.ph. You have to be enrolled to access.
• Check your Monthly Billing Statement.

To enhance the security of your online shopping experience, ALL Basic and Supplementary American Express Cardmembers will automatically be enrolled in the American Express SafeKey facility.  Every time you purchase online at participating SafeKey merchants, an American Express SafeKey pop up screen will appear and prompt you to key in your One-Time PIN.

What is SafeKey?

The American Express SafeKey is a 3-D Secure®¹ payer authentication service that adds an extra layer of security when a Cardmember shops online.  SafeKey helps reduce unauthorized online use before it happens by validating the Cardmember’s identity with a One-Time PIN.

To find out if a merchant is participating in SafeKey, the American Express SafeKey logo will appear on their website.

¹3-D Secure is an e-commerce fraud prevention protocol that is viewed as standard for globally interoperable payment authentication. American Express has licensed the 3-D Secure protocol and launched a branded solution called American Express SafeKey.

Why is One-Time PIN needed? 

The One-Time PIN protects you from online fraud as it verifies and confirms that an online purchase is indeed being transacted by you, the American Express Cardmember.

How it works 

When shopping online at participating SafeKey Merchants:

Step 1: Enter your BDO American Express Card details at the merchant’s check-out page.

Step 2: Please wait for the One-Time PIN that will be sent to you through your registered mobile number.

Step 3: Enter the One-Time PIN when the BDO American Express SafeKey pop-up screen appears.  Once your identity is verified via the One-Time PIN, your checkout will continue.

* Please note that the One-Time PIN is valid only for FIVE (5) minutes. 

One-Time PIN Frequently Asked Questions

• Do I have to enroll to get a One-Time PIN?
  No, ALL BDO American Express Cardmembers are automatically enrolled.  Please ensure that your mobile number is updated in our records to ensure receipt of your One-Time PIN.

• If my mobile phone number is not registered or updated, can I still make online purchases?
  For online purchases made at merchant websites that do not support the SafeKey authentication facility, a One-Time PIN will not be required.
  
  However, SafeKey merchant websites will require you to key in a One-Time PIN. Hence, you are encouraged to update your mobile phone number through our 24-Hour American Express Customer Service Hotline:
  • Hotline: (+632) 8888-0000 
  • Outside Metro Manila:
    • PLDT/Globelines: #8888-0000
    • For landline only, press # followed by 8888-0000
  • International Toll-Free: (IAC)+800-8-CALLBDO (2255-236)

• Once I have updated my mobile number, will I be able to make an online purchase automatically?
  Updating of your registered mobile phone number for online transactions will take effect within TWENTY-FOUR (24) hours.

• Will I be charged for the sending of One-Time PIN?
  No fee shall be charged for generating One-Time PIN NATIONWIDE, except for overseas Cardmembers who are enrolled to a roaming facility. (SMS roaming charge is subject to your assigned Telco).

• What if I am overseas?
  To receive a One-Time PIN via SMS overseas, your mobile roaming facility should be activated (SMS roaming charge is subject to your assigned Telco).

• What happens if I key in the wrong One-Time PIN 3 times in a row?
  You will not be able to complete your online purchase and will be routed back to the merchant website.  To be able to continue your online shopping, you will be required to call the 24-Hour American Express Customer Service Hotline to reactivate your One-Time PIN.

• Non-receipt of One-Time PIN
  Make sure that your registered mobile number is updated at all times.
  
  Update your mobile number through the 24-Hour American Express Customer Service Hotline:
  • Hotline: (+632) 8888-0000
  • Outside Metro Manila:
    • PLDT/Globelines: #8888-0000
    • For landline only, press # followed by 8888-0000International 
  • Toll-Free: (IAC)+800-8-CALLBDO (2255-236)
    

• Will my One-Time PIN expire?
  Yes, your One-Time PIN will expire within 5 minutes upon receipt.

• Can I dis-enroll my account in this facility?
  All BDO American Express Cards are automatically enrolled in the SafeKey facility. This aims to protect BDO American Express Cardmembers from being victims of online fraud and help ensure a more secure and pleasant online shopping experience.