American Express® SafeKey 2.0

Help prevent fraud and reduce friction for customers shopping online.

American Express® SafeKey 2.0

Help prevent fraud and reduce friction for customers shopping online.


American Express SafeKey 2.0 is a security solution designed to help you detect and reduce fraud on online or in-app purchases. 


Leveraging the global standard, EMV®2 3-D Secure, SafeKey 2.0 allows you and the Issuer to exchange detailed customer information to validate identity and provide a safe and seamless checkout experience.

SafeKey 2.0


SafeKey 2.0 offers valuable benefits for you and your customers.

Reduce fraud liability

Liability for fraud chargebacks on authenticated and attempted transactions can be transferred to the Issuer, protecting your business.

Increase spend confidence

Provide your customers with added security for their online purchases, helping increase spending confidence.

Reduce shopping cart abandonment

Additional data is used to authenticate Card Members without challenge*, potentially improving sales conversion.

Leverage the industry standard for protection
SafeKey 2.0 is based on the global industry standard, EMV 3-D Secure, to detect and reduce online fraud.

*A challenge is when an issuer can request a Card Member to prove their identity, e.g., by use of a one-time passcode (OTP).

How it Works

SafeKey allows you and the Issuer to seamlessly collaborate to verify a customer before authorization occurs. Here’s how:

How It Works Graphic
How it Works

Already using SafeKey 1.0? See the benefits of upgrading.

Please note, SafeKey 1.0 will be decommissioned in October 2022 and no longer available for use. You can, however, experience enhanced features to protect your business from fraud with SafeKey 2.0. The comparison chart below outlines these additional features.

Comparison Chart

*SafeKey 1.0 will be decommissioned globally on October 14, 2022 (except for India). New SafeKey 1.0 certifications are no longer supported. Some SafeKey 2.0 features may require additional certification.

Additional Resources


Ready to learn more about how to implement SafeKey 2.0?

Follow the steps below:

  1. Review our product guide.
  2. To get started with SafeKey 2.0, you must contact a certified 3DS Server (MPI) Provider that can integrate with your website. View a list of certified providers

Looking to upgrade from SafeKey 1.0?

Follow the steps below:

  1. To learn more about upgrading, view our infographic.
  2. Contact your current 3DS Server Provider and ask for an upgrade today.

Are you an Issuer or Acquirer?

View additional Issuer/Acquirer information.

Don't do business without it

1Based on internal American Express proprietary data, May – November 2021.

2EMV is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo.