Prevent fraud while reducing friction for online transactions
The growth of digital commerce has placed greater emphasis on Merchants and Issuers to enhance their fraud prevention techniques while 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 minimize the need for a one-time passcode—improving the user experience and reducing shopping cart 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. Enroll 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 Cart Abandonment
Allows Issuers to use additional data elements already part of the checkout process to authenticate a Cardmember without a ‘challenge’* reducing friction, leading to a higher conversion of sales
*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
Lowers fraud with an extra layer of security
Leverages richer data to make smarter, more sophisticated risk decisions
Increase Sales
Helps increase Cardmember confidence by reducing friction leading to reduced
cart abandonment
Authenticate Securely
Richer data allows targeting of higher risk transactions where stronger customer authentication would be beneficial
Supports a variety of Cardmember authentication methods, including one-time passcodes, biometrics, and out-of-band
Simplifies enrollment as Issuers will do this automatically for Cardmembers
Expands protection of SafeKey from web browsers to include in-app purchases
Merchants who enabled SafeKey experienced an average decrease of 3% in decline rates for transactions authenticated through SafeKey.1
Merchants who enabled SafeKey experienced an average increase of 3% in authorization rates for transactions authenticated through SafeKey. 1
1Based on the comparative analysis of authorized transactions for 12 months pre vs. 12 months post enablement of SafeKey for 34 Global Merchants who enabled SafeKey between 2015-2021.
Merchants experienced an average decrease of 17% in fraud rate by authenticating transactions through SafeKey. 2
2Based on the comparative analysis of fraud rates for authorized transactions 12 months pre vs. 12 months post enablement of SafeKey for 42 Global Merchants between 2015-2021.
Features | SafeKey 2.0 | ||
---|---|---|---|
SafeKey 2.1
|
SafeKey 2.2
|
SafeKey 2.3
|
|
App-based (in-app) enablement |
|
|
|
Non-payment authentication |
|
|
|
Token-based transactions |
|
|
|
Out-of-band authentication |
|
|
|
3DS Requestor-Initiated (3RI) non-payment authentications |
|
|
|
3DS Requestor-Initiated (3RI) payment authentications |
|
|
|
Decoupled authentication |
|
|
|
PSD2 data elements and indicators |
|
|
|
Additional support for gaming consoles and headless devices |
|
||
Support for Secure Payment Confirmation |
|
||
Automated out-of-brand transitions and UI enhancements |
|
||
Enhanced data for additional payment scenarios |
|
New SafeKey 2.1 certifications no longer accepted after July 2023.
SafeKey 2.1 decommission date end Sept 2024.
SafeKey 2.3 specifications can be accessed through AMEX Enabled and Knowledge Base. Certification for this latest version will be available in late 2023.
Click here to register your company with the AMEX Enabled Program
(Please note SafeKey merchants DO NOT need to register and should contact their Payment Service Provider to set up SafeKey)
Confirmation email contains link to product enrollment form
Complete product enrollment form
Enroll one or more users to access the AMEX Enabled Dashboard
Log in to the AMEX Enabled Dashboard to access certification documentation
Access SafeKey Test Lab from AMEX Enabled to complete testing and certification of your solution
A Merchant’s app processes SafeKey transactions using a Software Development Kit (SDK). SDK Providers are required to enroll with American Express to provide proof of their EMVCo certification.
Click here to register your company with the AMEX Enabled Program
Confirmation email contains link to enrollment form
Complete enrollment form, provide your EMVCo SDK Reference Number(s)
Enroll users to access the AMEX Enabled Dashboard
Log in to the AMEX Enabled Dashboard and read the "SDK SafeKey Instructions" document for next steps
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.
Engage 3DS Server (MPI) Provider
Note: 3DS Requestors are not required to enroll directly with American Express
Click here to register your company with the AMEX Enabled Program
(Please note SafeKey merchants DO NOT need to register and should contact their Payment Service Provider to set up SafeKey)
Confirmation email contains link to product enrollment form
Complete product enrollment form
Enroll one or more users to access the AMEX Enabled Dashboard
Log in to the AMEX Enabled Dashboard to access certification documentation
Access SafeKey Test Lab from AMEX Enabled to complete testing and certification of your solution
A Merchant’s app processes SafeKey transactions using a Software Development Kit (SDK). SDK Providers are required to enroll with American Express to provide proof of their EMVCo certification.
Click here to register your company with the AMEX Enabled Program
Confirmation email contains link to enrollment form
Complete enrollment form, provide your EMVCo SDK Reference Number(s)
Enroll users to access the AMEX Enabled Dashboard
Log in to the AMEX Enabled Dashboard and read the "SDK SafeKey Instructions" document for next steps
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.
Engage 3DS Server (MPI) Provider
Note: 3DS Requestors are not required to enroll directly with American Express
Amex Global Network welcomes your feedback
An error occurred while transmitting your feedback. We apologize for the inconvenience, please try again later.
Thank you for completing the feedback form. Your comments have been submitted successfully.