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Help protect your brand and customers by verifying the CID value on swiped/keyed Card Present transactions, and CID for Card Not Present transactions.

Requesting CID helps determine that the person making the purchase is not using a counterfeited Card. Using CID for keyed Card Present transactions allows you to submit in-person charges without taking an imprint of the Card.

Benefits:
• Immediate response: Real-time unique response codes advising of the match result are provided with the authorization response which enables merchants to incorporate the match results into their internal risk assessment before proceeding with the transaction.
• If the CID matches on keyed, Card Present transactions, the merchant will not receive a "Keyed no Imprint" chargeback.
• Powerful fraud prevention results: Responses are powerful differentiators of fraud risk that merchants can incorporate into their fraud risk strategies.

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

Want a tool to help detect altered or counterfeit Cards?

Criminals often alter the data when creating a counterfeit magnetic stripe. Track One is the solution that enables the point of sale device to read additional data from the Card magnetic stripe, which can help facilitate additional verification to detect and mitigate fraud.

Benefits:
• Seamless Cardmember experience: Once the tool is enabled, no further per transaction action is required at the point of sale by either the merchant or Cardmember – enabling a seamless payment experience.
• Real time performance: Powerful systems enable review of additional information on the magnetic stripe without increasing the time required for an authorization.
• Powerful fraud prevention results: The Track One tool helps mitigate fraud, thus improving merchant and customer experience.

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

Did you know?

Research shows that verifying an e-mail address with the one on file with American Express can significantly reduce the risk of a transaction.

The Electronic Verification solution offers systematic verification of a Cardmember’s e-mail address, billing telephone number, billing address and zip code, and verification of the CID Number. Verify some or all elements with a transaction and receive match codes to help decide whether to fulfill an order.

Benefits:
• Immediate response: Real-time unique response codes advising of the match result that are provided with the authorization response which enables merchants to incorporate the match results into their internal risk assessment before proceeding with the transaction.
• Seamless Cardmember experience: Most merchants currently capture all of the elements available for verification from the customer as part of an order today. No incremental action is required from the Cardmember in the check-out process to take advantage of this solution – enabling a seamless payment experience.
• Powerful fraud prevention results: Responses are powerful differentiators of fraud risk that merchants can incorporate into their fraud risk and customer contact strategies.

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

Want to leverage shared Positive and Negative data?

The Enhanced Authorization tool enables merchants to leverage both positive and negative shared data across the entire American Express Global Merchant Network.

Sending key transaction elements such as IP address, e-mail address, and shipping information enables your business to leverage the value of this shared data and gain an improved authorization result – helping to mitigate fraud and enable sales.

Benefits:
• Seamless customer experience
• Real time screening incorporates positive Cardmember History
• Real-time screening against Industry-wide negative database
• Flexible solution
• Real time performance
• Powerful fraud prevention results

Learn more

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

You received an approval but still feel the order needs more verification.

For approved orders over $200 where you want further verification, contact the Charge Verification Group at 800-876-9786. American Express will contact the Cardmember to verify the transaction and advise you of the result.

Benefits:
• Flexible solution: Charge Verification is designed to enable merchants a method to further verify transactions they would like to fulfill but require further authentication.
• No infrastructure changes required: No programming required –verification is offered via a phone call.
• Powerful fraud prevention and sales enablement results: Verifying the order with the Cardmember enables legitimate orders to be confirmed and helps to prevent fraud.

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

It's all about the data.

Accertify is a leader in providing enterprise-wide fraud management solutions. Effective and efficient fraud prevention is directly linked to a merchant's ability to manage and leverage its transactional data. Accertify's portfolio of fraud, chargeback, and payment services solutions manage a wide variety of payment and other transaction risks across process flows, sales channels, and geographic regions.


Benefits:
• Flexible solution: The Interceptas® Data Management Platform accepts your data without forcing you to code to a standard API. It empowers end-users to modify and adapt their fraud-fighting efforts without the help of their vendor or corporate IT departments.
• Powerful fraud prevention and reduction in manual review rates: Accertify customers have quickly achieved significant gains in the efficiency, accuracy, and productivity of their fraud prevention and risk mitigation efforts. Customers have documented significant reductions in their fraud losses, along with dramatic declines in their manual review rates and customer complaints due to fraud. 
 

Visit the Accertify website to learn more

Want to learn more?
Contact your American Express Representative or the American Express Global Fraud team at AMEX.Fraud.Solutions@aexp.com

Additional Resources

Merchant Policy

Policies and procedures governing acceptance of the American Express Card, as well as helpful tips, tools, and best practices.
Find out more