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American Express is first card issuer to pilot facial and fingerprint recognition for safer online checkouts

6 octombrie 2023

Company adds biometric features to SafeKey® a service that uses 3-D Secure technology to prevent the fraudulent use of Amex Cards

American Express today announced it is adding facial and fingerprint recognition to SafeKey® to help prevent fraud and create a simple and intuitive online checkout process. „The company is the first card issuer to roll out these biometric features through a new pilot program.” according to the press release.

„Now, when using a device that supports facial or fingerprint recognition, select U.S. Card Members that checkout with SafeKey will be prompted to enable these biometric features. Safekey offers enhanced safety and ease to online transactions, making ID checks stronger, speedier, and more intuitive.” the company explains.

We’re focused on developing solutions that keep us one step ahead of fraudsters, so our Card Members can shop safely online,” says J.J. Kieley, Vice President of Digital Identity & Commerce Experiences at American Express. “Now, checking out safely and securely is as easy as unlocking your phone. SafeKey’s biometric facial and fingerprint recognition minimizes friction while maximizing security for our Card Members at checkout. It’s how we check in when you checkout.”

How It Works

When you check out online, SafeKey’s technology works in the background to make sure it’s really you using your card, and if needed we’ll ask you to confirm it’s you with a code, app notification – and now, for eligible Card members, face or fingerprint ID. SafeKey is built on technology and authenticates purchases made using American Express Cards online at participating merchants. Fingerprint and facial recognition for SafeKey were developed by using Web Authentication technologies from the FIDO Alliance and World Wide Web Consortium. These technologies create a simpler authentication process with higher security over passwords alone and are supported on all major web browsers as well as iOS and Android platforms.    

Pilot Enrollment

A select number of U.S. Card Members will be eligible for the pilot program after completing a security validation during the SafeKey checkout process and using a device and browser that support facial and fingerprint recognition. These features will be rolled out to all U.S. Consumer Card Members in early 2024. 

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Anders Olofsson – former Head of Payments Finastra

Banking 4.0 – „how was the experience for you”

So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”

Many more interesting quotes in the video below:


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?