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Online Fraud Protection Guarantee

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To learn more about the Online Fraud Protection Guarantee, click on the following links.

     What is the Online Fraud Protection Guarantee?
     What are my benefits as a Merchant?
     Why is American Express announcing this now?
     To which American Express® Card Products does it apply?
     Have the Merchant Terms and Conditions changed?
     As a Merchant, do I need to register or enroll in order to accept American Express® Cards over the Internet?
     As a Merchant, am I required to display the American Express Online Fraud Protection Guarantee Decal?
     How do I obtain the decal for my Internet site?

 
 What is the Online Fraud Protection Guarantee?

The "Online Fraud Protection Guarantee" protects Cardmembers against fraudulent use of the American Express® Card on the Internet. It's an important service that will make shopping on the Internet a more reassuring and secure experience. Cardmembers will not be held responsible for any unauthorised charges made online, or in the physical world, with their Card so long as they comply with the Card conditions and notify us immediately* when they discover any fraudulent transactions.

*Immediately means as soon as the Cardholder is aware, but no later than on or before the due date of the statement in which the fraudulent transaction appears.

   

   
 What are my benefits as a Merchant?

Increased online spending

We are promoting the "Online Fraud Protection Guarantee" to our Cardmembers to encourage online shopping. This Cardmember benefit will be communicated in various usage programs to help boost online business for our Merchants.

Improved online statistics and tracking

If you trade both online, and in the conventional "physical world" fashion, we want to help you separate your business statistics. All our Merchants with a dual business presence will need a second Merchant Number. Then we can supply separate reports to help you identify your online and physical world trading volumes.

 

   
 Why is American Express announcing this now?

As a Card provider, we always stand by our Cardmembers if their American Express® Card is used fraudulently - we are formalising this promise as it applies to the online world through our "Online Fraud Protection Guarantee".
 
   
 To which American Express® Card Products does it apply?

The Online Fraud Protection Guarantee applies to cards issued by American Express in selected markets. In some markets, partners (e.g. some local Banks) issue Cards, so Cardmembers will need to refer to the partner for details of their terms and conditions.


 Have the Merchant Terms and Conditions changed?

Your Merchant Agreement with us contains special terms & conditions which apply to Internet transactions. These special terms can be found in Section II, Clause 8, of the Merchant Agreement

   
 As a Merchant, do I need to register or enroll in order to accept American Express® Cards over the Internet?

Yes. All our existing physical world Merchants that wish to accept American Express via the Internet will need a separate Merchant Number for their online business.

If you are an existing Merchant, and require a new Merchant Number for your online business, please contact your local American Express representative.

When you have obtained a separate Merchant Number for your online business, you are automatically eligible to participate in the Online Fraud Protection Guarantee.



 As a Merchant, am I required to display the American Express Online Fraud Protection Guarantee Decal?

As referenced above, displaying the Online Fraud Protection Guarantee logo can bring substantial benefits to merchants. Therefore, we do require that merchants display the Online Fraud Protection Guarantee decal if they accept American Express cards over the Internet.


 How do I obtain the decal for my Internet site?

Click here to download the Online Fraud Protection Guarantee Logo for your Web site.



Merchant requirements for using the American Express name and logo on the Internet:
  • Only organisations with valid Terms and Conditions with American Express and additional Internet Addendum may use the American Express logo on their Web sites.

  • The American Express logo must not be modified, shortened or altered in any way.

  • In accordance with the terms and conditions of your agreement with American Express, the logo should receive no less than equal prominence with other card acceptance logos on your Web site.



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