At American Express, our online fraud prevention solution SafeKey is designed to protect both American Express Merchants and Cardmembers.
SafeKey helps reduce unauthorised online payments by requesting additional verification from the Cardmember, using 3D Secure technology. This way, you can be sure that your customers are exactly who they say they are, and that their transactions pose no potential risk to your business. Through SafeKey, American Express benefits from leading authorisation rates, helping you maximise your cart conversion.
All Cardmembers are automatically enrolled into SafeKey. As a merchant you’ll need to contact your payment service provider, acquirer, or merchant plug-in provider, or you can contact us directly to take care of your enrolment into the programme.
Address Verification Service (AVS) allows you to check a Cardmember’s billing address and postcode against the details we have on record.
Enhanced Authorisation (EA) lets you base authorisation on more comprehensive data by taking extra details into account like Cardmember IP address and shipping information. This helps to tell legitimate customers from potential fraudsters.
Learn more about the online payment security basics.