American Express SafeKey 2.0
SafeKey is our SCA solution. It uses 3D Secure technology to detect and reduce online
fraud, and transfers liability for fraud chargebacks on SafeKey-authenticated
and attempted transactions to the Card issuer (us at American Express). It works
in the background as purchases are made on your site, enabling real-time
information exchange with us to reduce verification prompts (while being just
as secure). This streamlines the online payment process for customers and so
can also prevent basket abandons – win, win.
If SafeKey picks up anything unusual, like a pricey purchase from a new device,
the Cardmember will be asked to provide authentication.
SafeKey’s Express List keeps online shopping simple and secure for your customers. If your business is eligible, Cardmembers can add you to a trusted list, which allows us to verify their payment without sending a code, push notification or asking for part of their PIN.