Improve Spend Confidence 

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

Reduce Shopping Cart Abandonment 

• Additional data elements from the checkout process can allow Issuers to authenticate a Card Member without a 'challenge'* reducing friction which can lead to less cart abandonment and a higher conversion of sales

Reduce Fraud Liability 

• Transfers liability for fraud chargebacks on SafeKey authenticated transactions from the Merchant to the Issuer
• Which may result in fewer chargebacks
• Works alongside other tools to help manage fraud 

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

Reduce Fraud 

• Helps lower fraud with an extra layer of security 

• Provides additional data for sophisticated risk decisions 

Authenticate Securely 

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

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

Implement a Global Standard

• Adheres to the industry-standard EMVCo 3-D Secure protocol
• Supports individual market regulations, such as PSD2 (in Europe)

Increase Customer Confidence 

• Helps increase Cardmember confidence by reducing friction, which can lead to reduced cart abandonment - potentially increasing sales

• Helps protect against the fraudulent use of Cardmember details  

• Cardmembers automatically enrolled by their Issuers

• Includes protection for transactions made on web browsers and in app