American Express SafeKey
What is American Express SafeKey?
American Express SafeKey is an online security tool that helps confirm a cardholder’s identity during checkout. Built to reduce fraud, it adds a verification step on websites that support it—only when needed.
If something about a purchase seems unusual, SafeKey may trigger a quick verification—like asking the shopper to enter a code delivered by text or email. This helps stop unauthorized activity while allowing routine transactions to move along smoothly.
Because it works silently in the background, SafeKey offers peace of mind for both businesses and their customers during checkout.
Looking to streamline and secure your transactions?
Sign up free or request a demo to see how Instant Accept works with SafeKey and other smart payment tools.
Related Terms
- 3-D Secure (3DS)
- EMV® 3-D Secure
- Cardholder authentication
- One-time passcode (OTP)
- Amex fraud protection
- Online transaction security
- Card-not-present (CNP) payments
- Digital payment verification
- eCommerce fraud prevention
- Merchant chargeback protection
- Secure checkout
- Payment gateway security
- Tokenization
- Multi-factor authentication (MFA)
- Risk-based authentication