American Express SafeKey®





Shop confidently with SafeKey®

It's how we check in when you check out.

what is safekey

SafeKey®. What is it?


We want you to feel confident when you make a purchase with your American Express® Card. That's why SafeKey uses the latest technology to help protect you against fraud while shopping online at participating merchants.


When you shop online at participating merchants, SafeKey's advanced technology works in the background to help protect you against fraud by making sure it's really you. Most of the time, you won't have to do anything. SafeKey will authenticate your transaction automatically. 

In some cases, SafeKey will determine that added verification is needed for extra protection.


How does SafeKey® work?

How we may check to see it's really you. 

When you shop online at participating SafeKey merchants, the SafeKey box may appear towards the end of your checkout process. Most of the time, you won’t have to do anything. SafeKey will authenticate your transaction automatically.

If SafeKey determines that added verification is needed, you may be prompted to provide details such as, 


(1) Entering the three digits found at the back of your Card,

(2) Entering a one-time code* (OTC) sent by text and/or email,


Simply enter the information asked to complete your transaction. 

*Do not share your one-time code with anyone including callers claiming to be from American Express. If you receive such calls requesting to share the one-time code, hangup and dial the number on the back of your American Express Card.

safekey verification
safekey verification

SafeKey Pay with Points

When you check out, SafeKey also enables you to use your Membership Rewards® points to pay at participating online SafeKey merchants through SafeKey Pay with Points. 1,000 Membership Rewards points is equal to $7.00 with SafeKey Pay with Points. For more information, please visit the SafeKey Pay with Points section on the Membership Rewards page.


Related Pages

Fraud Protection


We have intelligent security systems in place to help protect your Card from fraud1.

Identity Theft


Find out what you can do to help keep your financial details safe and secure.

Online Business Directory


Discover new places to use your Card online.


Download the Amex App

The Amex App makes managing your account quicker and easier. Download it here and enable push notifications to receive account updates on the go.

Terms and Conditions


TM, ®: Used by Amex Bank of Canada under license from American Express.


1. We will guarantee protection against fraudulent payments on your Card, provided you have taken the responsibility to notify us immediately, and you have complied with your Card Terms and Conditions.