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Authentication with American Express

Extra security. You're in control.
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New regulation means more authentication
 

Beginning 14 September 2019, a key part of the EU Revised Payment Service Directive (PSD2) is coming into effect. Its focus on security means all card issuers will need to verify your identity more often when you shop online, in-store with contactless and when you access your Online Account.

How it will work for you
 

The new regulation requires you to authenticate yourself more often when you are shopping online, in-store or accessing your Online Account. 

 

Please check your contact details are up-to-date, in case we need to send you a verification request so we know it's you who's making the purchase.

  

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You’ll see more of SafeKey®
 

SafeKey will appear more often during the checkout stage.

 

SafeKey helps protect you against fraud while shopping online by confirming it's really you making the purchase. You will also receive verification requests by text, email or push notification more often, as you complete your online payments. 

 

So now’s a good time to confirm your contact details are up to date.

 

 

 

 

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Express List gives you more control over security 
 

Your Express List is a personalised list of American Express approved merchants you’ve recently shopped at during your online checkout. By selecting merchants, you won’t need to receive verification codes when you shop there, unless we need to confirm it's you making the purchase.

 

Setting up your Express List 
 

You will see Express List during your online shopping journey. Watch this video to learn how to set it up.

 

 

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 thousands 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.