Protect your business and your customers







Making online shopping safe, secure, and seamless is good business. American Express SafeKey 2.0 leverages the global industry standard—EMV® 3-D Secure— to provide an additional layer of security for your customers shopping through web browsers or making in-app purchases. 


SafeKey 2.0 enables you and the Issuer to exchange detailed customer information to validate their identity for a safer and a seamless checkout experience. Risk-based authentication techniques limit the need for using verification methods such as a one-time passcode on high-risk transactions, thereby reducing friction for your customers during checkout and helping you prevent fraud.


SafeKey 1.0 will be decommissioned in October 2022, contact your Payment Service Provider to enable SafeKey 2.0




Reduce fraud liability

When activated, SafeKey 2.0 reduces fraud and transfers the liability for fraud chargebacks on authenticated and attempted transactions back to the Issuer1.

Pay with Points

Give customers greater choice to pay the way they want with Membership Rewards® points3, increasing your potential for additional sales with no additional integration and you receive payment as normal, all by using the latest version of SafeKey 2.0.

Industry leading success rate2

SafeKey 2.0 has a success rate of 97% globally2.  (Success rate means when a payment has been successfully authenticated)

Regulation Compliant

SafeKey 2.0 meets the regulatory requirements of PSD2 Strong Customer Authentication.

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Reduce shopping cart abandonment

By using additional data elements that are already part of the checkout process, SafeKey helps Issuers to reduce friction and increase conversion rates by enabling them to authenticate more low risk payments without a challenge.

Increase customer security confidence

Help customers feel more secure about online purchases.

How it Works

How it Works

Step 1

SafeKey enables the Issuer and Merchant to work together to authenticate the customer’s identity before authorisation occurs.


Step 2

The customer’s identity is verified by the Issuer before the transaction is authorised. SakeKey determines the transaction risk and if identified as high-risk the customer may be prompted to verify their identity e.g. with a one-time passcode.


Step 3

The SafeKey authentication improves the Issuer’s confidence to authorise the transaction.

Stay one step ahead by enabling SafeKey 2.0.

Contact your Payment Service Provider today.

Additional Resources

1. Valid for eligible SafeKey transactions only.

2. Source: Global Payment Regulation and Authentication 2021 Report by Ravelin. American Express success rate is 97% compared with up to 90% for other networks.

3. Available for selected American Express issued cards.


EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.