Fraud Protection


Knowledge and effective strategies are needed to help mitigate fraud. Learn the basics of fraud protection and the tools you can access as an American Express Merchant.


Be Proactive


Fraud methods are always evolving but there are things you can do to minimise the risk.


General Tips to minimise fraud


  • Make sure to use EMV or Chip-enabled terminal.
  • Send as much transaction data to us as possible. Check out the tools available for American Express Merchants below.
  • Enable contactless payments that encrypt transactions with a quick tap of the Card.



Best in class Fraud prevention tools


You can access our fraud solutions offered to American Express Merchants at no charge. These tools are designed to work seamlessly together and each of them provides another layer of protection for your business and customers.





Contact your client manager or our Merchant Services Team on 1800 235 6755 (Monday - Friday, 9am - 6pm).




Enhanced Authorisation



Enhanced Authorisation is a tool provided by American Express that better identifies who is on the other end of transactions in real-time.




American Express SafeKey



A solution that detects and helps reduce online fraud by confirming the Card Members' identity. You don't need to compromise on user experience for your customers and can easily implement it on your existing infrastructure.









An easy-to-use browser-based tool that quickly validates billing name and address information. You can find transactions that may need additional verification before you fulfil your orders. Haven't registered yet? Click here to register for Verify-it.