American Express SafeKey® leverages the industry standard technology making it fast and easy to implement for Merchants, by enrolling through a 3DS Server (Merchant Plug-In – MPI). A seamless interaction between the 3DS Server (MPI), the Access Control Server (ACS) and the customer prevents unauthorized online use before it happens, by confirming the Card Member’s identity through a one-time passcode or other authentication method.

For a list of EMV 3DS approved SDK products, please see EMVCo website.

Please see ‘Resources’ section below for SafeKey Provider enrollment instructions.

Click to Pay is enabled by the EMV® Secure Remote Commerce (SRC) technical standard and allows industry players to create a more secure and consistent consumer checkout experience across digital channels, including mobile apps and browsers. American Express leverages the standard to provide Secure Remote Commerce Initiators (SRCis) with a consistent approach to easily connect to the American Express SRC System.

The American Express Token Service (AETS) connects Card Issuers, Merchants and Service Providers to enhance security for mobile and digital payments. AETS helps create a safe online and mobile payments environment for consumers by replacing a card’s primary account number (PAN) with a unique surrogate value that may be used to conduct payment transactions. Learn more about AETS here.

Through the foundational platform provided by AETS, payment credentials can be tokenized when Merchants provide the option to customers to save their cards-on-file for future online purchases or recurring payments. Learn more about Card-on-File Tokenization here.

Next Steps: If you are ready to start your onboarding journey to integrate with AETS, reach out to your processor or contact your American Express representative. To partner with American Express directly for AETS integration, follow the steps on this page starting with Step 1 - Register Company’.

Solutions to help with issuing plastic cards;

Personalization: Personalization services load Cardmember data on to the magnetic stripe and the EMV chip.

Card Manufacturing: Production of physical card plastic for American Express Cards.

Please contact paymentproductscertification@aexp.com.

Mobile Secure Elements: Secure, tamper-resistant elements that store Card Member information and payment software, enabling the mobile phone to function as a payment device.

Mobile Host Card Emulation (HCE): Solutions that allow for Card Member information and payment data to be stored outside of a Secure Element by using software to emulate a physical card when making secure NFC payments.

Solutions to help Acquirers or Merchants with Point of Sale terminals.

Contactless Terminals (Level 2 Expresspay):Point of Sale (POS) terminals that are developed to support American Express’s contactless solution, Expresspay.

Payment processing platforms used by Issuers or Acquirers;

Acquiring Platforms: Payment processing platforms that can be used by acquirers.

Issuing Platforms: Payment processing platforms that can be used by issuers.

Laboratories conducting services for chip card, mobile, HCE and POS products.

Labs for Chip Card Products: Laboratories conducting certification services or testing for chip card products (e.g. Level 1 contact / contactless, security, functional or physical.

Labs for Mobile Products: Laboratories conducting certification services or testing for mobile products (e.g. functional, security, contactless, HCE Level 1).

Labs for HCE Products: Laboratories conducting functional or security evaluations of HCE products.

Labs for Point of Sale Products: Laboratories conducting certification services for Level 2 Contactless approval.

To view a list of our Accredited Labs, please view the document below.

Qualified test tools to support issuing or acquiring testing.

Issuing Test Tools: Qualified Functional / Personalization Verification (PVT) tools to support testing of American Express card / mobile / HCE products.

Acquiring Test Tools: Acquiring test tools to support point of sale testing, including Card Simulators, Host Simulators, Physical Test Cards, Test Plan Evaluation and Transaction Log Capture.

QR Code or Quick Response Code is a two-dimensional barcode that contains the information needed to conduct a payment transaction. QR Codes makes digital payment easier and more accessible for Card Members and Merchants.

American Express QR Code Payment Solution offers a simple and touch-free digital payment solution that gives merchants and Card Members more flexible payment choices.

• Consumer Presented QR: Card Members generate a QR Code from their mobile wallet or banking app and the Merchant scans the QR Code as a form of payment.

• Merchant Presented QR: The Merchant displays a QR Code in-store or through e-commerce by form of a decal or in-store Point-of-Sale (POS) terminal. The Card Member then uses their smartphone to scan the QR Code.

For more information about QR, please click here.

The Integrated Payments Providers program is designed to help third-party solution vendors develop, certify, and market their products or services that are compatible with American Express requirements. The program provides a central point of contact for technical and specification guidance, certification assistance, and production support.

Vendors may include: 

• Merchant Services (MS)
• Independent Sales Organizations (ISO)
• Independent Software Vendors (ISV)
• Value Added Resellers (VAR)
• iPOS (Integrated Point of Sale) (iPOS)
• Encryption Services Organizations (ESO)
• Mobile Point Of Sale (mPOS) / SoftPOS
• PSP/Processor Aggregator

Click here for more information.

Contactless and mobile Near-Field Communication (NFC) use radio frequency technology to perform transactions, and with a simple tap, the Card or mobile phone and fare gate exchange secure payment information.

Contactless and mobile NFC payments in transit offer a tremendous opportunity to streamline fare gate operations, helping reduce the costs and resources associated with a proprietary fare system, while creating an easier and more rewarding customer experience for travelers.

Next Steps: If you are ready to start your onboarding journey to integrate with the American Express Contactless Transit Solution, follow the steps under Become an AMEX Enabled Service Provider, above. This onboarding journey is applicable to partners who provide transit integrator solutions. During the registration process, under Product Selection, choose Transit. If you also provide terminal solutions, choose Contactless Terminals (Level 2 ExpressPay). Contact your American Express representative or Transit@aexp.com with any questions.