American Express SafeKey®

Partner with American Express to grow your online business while protecting against online fraud.


The growth of digital commerce has placed greater emphasis on Merchants and Issuers to enhance their fraud prevention techniques whilst ensuring their customers can transact quickly and easily on whatever device they choose.  


American Express SafeKey 2.0 is a security solution that leverages the global industry standard, EMV® 3-D Secure, to detect and reduce online fraud — providing an extra layer of security when consumers shop through web browsers or in-app. 


SafeKey 2.0 enables Merchants and Issuers to exchange detailed information, which helps reduce fraud and minimise the need for a one-time passcode — improving the user experience and reducing shopping basket abandonment.  


Building consumer confidence can help expand your market reach. Enhanced fraud protection through SafeKey may encourage online customers to spend more and help grow your business. Enrol in SafeKey today! 


EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo.




Reduce Fraud Liability 

  • Transfers liability for fraud chargebacks on SafeKey authenticated and attempted transactions to the Issuer 

  • Works alongside other tools to manage fraud 

Increase Profitability 

  • Helps customers feel more secure about online purchases potentially increasing their confidence to spend 

Reduce Shopping Basket Abandonment 

  • Allows Issuers to use additional data elements already part of the checkout process to authenticate a Card Member without a 'challenge'* reducing friction, leading to a higher conversion of sales 

*A 'challenge' is when an Issuer can request the Card Member to prove his/her identity, e.g. by use of a One-Time Passcode (OTP). 


Reduce Fraud 

  • Lowers fraud with an extra layer of security 

  • Leverages richer data to make smarter, more sophisticated risk decisions 

Increase Sales 

  • Helps increase Card Member confidence by reducing friction leading to reduced  
    basket abandonment 

Authenticate Securely 

  • Richer data allows targeting of higher-risk transactions where stronger customer authentication would be beneficial  

  • Supports a variety of Card Member authentication methods, including one-time passcodes, biometrics and out-of-band 

Card Members

  • Helps protect against the fraudulent use of Card Member details  

  • Simplifies enrolment as Issuers will do this automatically for Card Members 

  • Expands protection of SafeKey from web browsers to include in-app purchases 

SafeKey 1.0/2.0 Comparison

Features SafeKey 1.0 SafeKey 2.0
SafeKey 2.1(EMV 2.1.0) SafeKey 2.2(EMV 2.2.0)
Based on industry-standard 3D Secure
Extra layer of security at checkout
Payment authentication
Browser based authentication
Flexibility for Issuers to use a variety of authentication methods (i.e. one-time passcodes, risk-based decisioning, etc.)
Support for PSD2 compliance
Support for more data elements promoting frictionless authentications Available in the U.S. and its territories
App-based (in-app) enablement
Non-payment authentication
Token-based transactions
Out-of-band authentication
Merchant-initiated authentications
Decoupled authentication
PSD2 additional indicators
Note: Some of these features may require additional certification.

How It Works

Enrollment & Implementation

Merchant & Wallet Provider

  1. Engage 3DS Server (MPI) Provider 

    • Integrate 3DS Server's authentication flow into Merchant's website 

    • Access the SafeKey Brand Guidelines & Logo pack here 

  2. Click on the enrolment link below to complete the SafeKey enrolment form

  3. Receive email from SafeKey Merchant Enrolment Team with next steps

  4. SafeKey Merchant Enrolment Team seeks approval from Acquirer

  5. Merchant, Acquirer, 3DS Server (MPI) Provider and SafeKey Merchant Enrolment Team complete required technical set-up

  6. Receive email notification of SafeKey ID when process is complete 

    • Merchant will use SafeKey ID for their 2.0 transactions


A Merchant's app processes SafeKey transactions using a Software Development Kit (SDK). SDK Providers are required to enrol with American Express to provide proof of their EMVCo certification. 

  1. Click here to register your company with the AMEX Enabled Program

  2. Confirmation email contains link to enrolment form

  3. Complete enrolment form, provide your EMVCo SDK Reference Number

  4. Enrol users to access the AMEX Enabled Dashboard

  5. Access security certificates from AMEX Enabled

ACS & 3DS Server (MPI) Provider

  1. Click here to register your company with the AMEX Enabled Program

  2. Confirmation email contains link to product enrolment form

  3. Complete product enrolment form

  4. Enrol one or more users to access the AMEX Enabled Dashboard

  5. Log in to the AMEX Enabled Dashboard to access certification documentation

  6. Access SafeKey Test Lab from AMEX Enabled to complete testing and certification of your solution


Please contact your American Express representative if you would like to certify for SafeKey.


Please contact your American Express representative if you would like to certify for SafeKey.