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Authentication with American Express

Extra security. You're in control.
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More authentication keeps your Account secure

 

To keep your account even more secure, we’ve introduced additional layers of security.

 

When you shop online, instore with contactless and when you access your Online Account you may need to verify yourself more often.

 

So you can receive verification codes and verify yourself, check your mobile number is up to date and download the American Express® App and enable ‘push notifications’. 

Why the change?
 

The EU Revised Payment Service Directive (PSD2) is a regulation that focuses on increased security checks to protect you from fraud. This means all Card issuers and banks need to verify your identity more often when you shop online, instore with contactless and when you access your Online Account.

  

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You'll see more of SafeKey®

 

SafeKey will appear more often during the checkout stage.
 
SafeKey works in the background while you make an online purchase and helps protect you against fraud by confirming it's really you making the purchase. 
 

 

You may need to verify your identity more often

 

We will send you verification codes via email, SMS or App push notification. To ensure you can receive verification codes, check that your contact details are up to date. To receive App push notifications, download the Amex App and enable ‘push notifications’ in your device settings.
 

 

You may need to enter part of your Card PIN

 

Occasionally we may need to ask for more than one piece of information, in those cases we will need you to enter part of your Card PIN. This is the same PIN that you use in-store. You can view your Card PIN in your Online Account.

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Frequently Asked Questions

 

PIN

SafeKey

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Express List keeps your online checkout safe and simple
 

Your Express List helps you save time checking out
safely for the things you love.

 

It’s a personalised list of websites you’ve shopped at online. You can add websites onto your Express List, so next time you shop at those websites, you won’t have to verify yourself unless we need to check it’s you. 

 

Managing your Express List 
 

You can manage your Express List in your Online Account or in SafeKey  when you are shopping online. Watch this video to learn how to manage it.

 

Security and convenience

 

We're making sure the way we authenticate you maintains our high security standards and is also less hassle for you.

Our existing security systems 

 

We use sophisticated technology to help keep your Account safe. We've made big investments in the advanced machine learning that powers our intelligent security systems. This means we're confident it's you making the purchase, even when you're using contactless or shopping online. If we suspect a problem, our team will contact you by call, text or email to check it was you making the purchase. The complex algorithms we use are built using data from millions of payments. We check your purchase against your previous buying patterns and thousand of other patterns, looking for irregularities that might signal fraud.

 

 

And unlike most other Card companies, we both supply the Card and process the payment, making us uniquely well-placed to spot any unusual activity and solve problems faster.