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 mobile and digital payments using next-generation Token technology to enhance checkout experiences.

Solutions to help with issuing plastic cards;

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

Chip Supplier: The microprocessor chips that are produced for embedding into EMV chip cards.

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

Mobile Handsets: Mobile phones that are NFC-enabled for use as a payment device.

*** Note To Handset Manufacturers for all Handset and Device Certifications ***

Effective March 14th 2016, EMVCo will launch the initial activation of Mobile Product Level1 Type Approval Phase 2. The second phase expands the scope of level1 testing to include (i) HCE execution environment, (ii) Handset performance (UICC only), (iii) Handset interoperability testing and, (iv) Multiple execution environment testing. Therefore all handset certification requests should be directed to EMVCo from this date by contacting card-approval@emvco.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 Trusted Service Managers (TSMs): TSMs work with issuers to provision Card Member data and the American Express contactless payment applet onto the Secure Element.

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

Mobile Point of Sale (mPOS):mPOS refers to either a handheld terminal/payment device or a smartphone/tablet with supplemental hardware (i.e. card reader or pin pad) and/or software to process transactions.

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

PSPs/Processors/Aggregators:Payment Service Providers, Processors and Aggregators form an important part of the Acquiring payments flow by providing key services to Merchants.

Integrated Payments Providers:These vendors provide Point of Sale (POS) software, products and services to American Express Merchants. Types of vendor include: Merchant Servicers (MS), Independent Software Vendors (ISV), Integrated Point of Sale Vendors (iPOS), Value Added Resellers (VAR), Independent Sales Organizations (ISO) and Encryption Services Organizations (ESO).

Click here Read more about Acquiring Payment Solutions for more information.

Transit:American Express’ transit solution includes contactless and mobile NFC enablement using Expresspay specification, authorization, and submission messaging for the transit environment.

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.

Qualified Security Assessors to carry out Physical and Logical PCI Card Production reviews.

Note: No new Qualified Security Assessors are currently being accepted, inclusion in the list is by invitation only.

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

Consumer Presented QR

A complimentary payment solution that leverages the point of sale infrastructure for Merchants to scan a QR code generated by the Card Member from their mobile wallet or banking application.