Strong Customer Authentication. 7.1 What action must you take to protect against unauthorised activity? 7.2 In what circumstances should your Establishments participate in an AESK Programme? 7.3 To participate in an AESK Programme, your Establishments must: 7.4 What if your Establishments do not meet the criteria listed at Section 7.3. of this Schedule B? If you, at any time, do not meet the requirements listed in the section above, or if we receive a disproportionate number of Disputed Charges relative to your prior history or industry standards or high incidence of fraud then: • we may, at our sole discretion, modify or terminate your Establishment’s participation in the AESK Programme which could result in you being liable for fraudulent Charges; and • you must work with us to reduce the number of Disputed Charges at your Establishment. 7.5 What further criteria and requirements apply to AESK Programmes? a. fully SafeKey authenticated for which you will receive an electronic commerce indicator “5” (ECI 5); or b. SafeKey authentication was attempted for which you will receive an electronic indicator “6” (ECI 6); • for Application Initiated Charges, the Charge must indicate that it was fully SafeKey authenticated for which you will receive an ECI 5; a. the appropriate SafeKey authentication data was provided in both the Authorisation request and the Charge submission; and b. the Cardmember disputed the Charge as fraudulent. 7.6 What is the impact of the use of SafeKey on the exercise of our Chargeback rights? 7.7 Do the AESK Programmes apply to Disputed Charges involving dispute reasons other than fraud? No (e.g., it does not apply to goods or services disputes). Terms and Conditions for American Express® Card Acceptance March 2024
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Strong Customer Authentication. 7.1 What action must you take to protect against unauthorised activity?
7.2 In what circumstances should your Establishments participate in an AESK Programme?
7.3 To participate in an AESK Programme, your Establishments must:
7.4 What if your Establishments do not meet the criteria listed at Section 7.3. of this Schedule B? If you, at any time, do not meet the requirements listed in the section above, or if we receive a disproportionate number of Disputed Charges relative to your prior history or industry standards or high incidence of fraud then: • we may, at our sole discretion, modify or terminate your Establishment’s participation in the AESK Programme which could result in you being liable for fraudulent Charges; and • you must work with us to reduce the number of Disputed Charges at your Establishment.
7.5 What further criteria and requirements apply to AESK Programmes?
a. fully SafeKey authenticated for which you will receive an electronic commerce indicator “5” (ECI 5); or
b. SafeKey authentication was attempted for which you will receive an electronic indicator “6” (ECI 6); • for Application Initiated Charges, the Charge must indicate that it was fully SafeKey authenticated for which you will receive an ECI 5;
a. the appropriate SafeKey authentication data was provided in both the Authorisation request and the Charge submission; and
b. the Cardmember disputed the Charge as fraudulent.
7.6 What is the impact of the use of SafeKey on the exercise of our Chargeback rights?
7.7 Do the AESK Programmes apply to Disputed Charges involving dispute reasons other than fraud? No (e.g., it does not apply to goods or services disputes). Terms and Conditions for American Express® Card Acceptance March 2024August 2024 If you or your Affiliates conduct business in any of the following industries: (1) lodging; (2) motor vehicle hire; (3) motor vehicle sales; (4) high risk industries; (5) charitable donations; (6) insurance; and (7) Payment Facilitators, you must comply with the following provisions (as applicable):
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Strong Customer Authentication. 7.1 What action must you take to a. To protect against unauthorised activity?, you must where technically possible and where requested by us, support solutions allowing us to perform Strong Customer Authentication of the Cardmember for Charges made by Digital Orders. If you fail to allow us to perform Strong Customer Authentication as set out in this paragraph, Charges made by Digital Orders may be declined.
7.2 In what circumstances should b. If your Establishments in the United Kingdom accept Charges made by Digital Orders, participate in one of our AESK Programmes which may provide greater security for those Charges through the use of an authentication method. If your Establishments accept Application Initiated Charges then the AESK Programme?
7.3 Programme that you use for Application Initiated Charges must be American Express SafeKey 2.0. To participate in an AESK Programme, your Establishments in the United Kingdom must:
7.4 What if (i) complete the required SafeKey technical certification;
(ii) comply with the relevant SafeKey Implementation Guide and the SafeKey Protocol Guide, which are available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇;
(iii) provide complete and accurate SafeKey authentication data relating to all Charges made by Digital Orders, as set out in the relevant SafeKey Implementation Guide and the SafeKey Protocol Guide;
(iv) comply with the SafeKey branding requirements detailed in the American Express SafeKey Logo Guidelines, available at: ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or such other website as we may notify you from time to time;
(v) maintain a fraud to sales ratio within the parameters contained in the relevant SafeKey Implementation Guide;
(vi) remain in good standing with American Express as may be reasonably determined by us; and
(vii) comply with any other requirements which we may reasonably introduce or change from time to time, upon notice to you.
c. The AESK Programmes apply only to Card Not Present Charges made on eligible Cards (as described in the relevant SafeKey Implementation Guide), via Internet Charges (and, in the case of American Express SafeKey 2.0, Application Initiated Transactions) through your Establishments do not United Kingdom Establishments, that meet the criteria listed at Section 7.3. of this Schedule B? If you, at any time, do not meet the requirements listed in the section above, or if we receive a disproportionate number of Disputed Charges relative to your prior history or industry standards or high incidence of fraud then: • we may, at our sole discretion, modify or terminate your Establishment’s participation in the AESK Programme which could result in you being liable for fraudulent Charges; and • you must work with us to reduce the number of Disputed Charges at your Establishment.
7.5 What further following criteria and requirements apply to AESK Programmes?requirements:
a. (i) for Internet Charges, the Charge must indicate that it was either (a) fully SafeKey authenticated for which you will receive an electronic commerce indicator “5” (“ECI 5”); or
b. , or (b) SafeKey authentication was attempted for which you will receive an electronic indicator “6” (“ECI 6”); • ;
(ii) for Application Initiated Charges, the Charge must indicate that it was fully SafeKey authenticated for which you will receive an ECI 5;
a. (iii) the appropriate SafeKey authentication data was provided in both the Authorisation request and the Charge submission; and
b. (iv) the Cardmember disputed the Charge as fraudulent.
7.6 What is the impact of the use of SafeKey on the d. We will not exercise of our Chargeback rights?
7.7 Do , for Card Not Present Chargebacks where the underlying Charge was SafeKey authenticated and/or attempted and you received an ECI 5 or an ECI 6, for Charges meeting all of the above criteria and requirements if both the Establishment and Charge comply with the foregoing requirements. The AESK Programmes do not apply to Disputed Charges involving dispute reasons other than fraud? No fraud (e.g., e.g. it does not apply to goods or services disputes). Terms We reserve the right to disapply the terms of this paragraph 7.d. of this Schedule A for any reason, in our sole discretion, with or without notice to you.
e. In addition to the above, if you, at any time, do not meet the requirements listed above in paragraphs 7.b (i)-(vii) above, or if we receive a disproportionate number of Disputed Charges or high incidence of fraud then:
(i) we may, in our sole discretion, modify or terminate your Establishment’s participation in the AESK Programme; and Conditions for American Express® Card Acceptance March 2024SCHEDULE A
(ii) you must work with us to reduce the number of Disputed Charges at your Establishment.
f. We may suspend, terminate, amend or prevent access to the AESK Programmes at any time, with or without notice to you. We shall not be liable and shall have no obligation to you in the event we suspend, terminate, amend or prevent access to the AESK Programmes.
g. If you do not agree with the modified or current AESK Programmes, you must cease participating in the AESK Programmes, surrender your SafeKey certification status, and return or destroy all confidential information provided to you pursuant to the AESK Programmes.
h. If at any time you want to permanently stop participating in the AESK Programmes, you must notify us and if applicable, your payment service provider. You must surrender your SafeKey certification status, and return or destroy all confidential information provided to you pursuant to the AESK Programmes.
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