American Express recently added a new layer of security to online accounts called “Two-Factor Authentication.” This extra layer requires cardholders to enter both their username and password as well as a one-time password sent to them by email or text message.
2FA, which stands for “two-factor authentication,” is now required by all online platforms and financial institutions. By requiring two forms of identification, it stops people from getting in without permission even if one of them is lost or stolen.
How Two-Factor Authentication Works at American Express
Here’s a quick rundown of how two-step verification works for American Express cardmembers:
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When logging into your online account, after entering username and password, you’ll be prompted to enter a one-time password sent to your email or mobile number (your choice).
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The one-time password is randomly generated and is only valid for that particular login attempt.
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You can tell American Express to remember your device as “trusted.” “Then you won’t have to enter the code every time on that device.”
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When you log in from a new or unknown device, you’ll need to enter the one-time code every time.
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SMS text verification is not available for Global Dollar Card and International Euro Card account holders. Only email authentication is supported currently.
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Users cannot skip enrollment when first prompted. However, enrollment just involves verifying prepopulated info and creating a 6-9 digit security code.
Why American Express Uses Two-Factor Authentication
American Express states that Two-Factor Authentication meets their commitment to bring security standards up to industry best practices. Specifically, it helps:
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Prevent unauthorized access to sensitive cardmember data and account information.
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Protect against malicious account takeovers by cybercriminals.
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Comply with regulatory requirements for identity verification.
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Give cardmembers added peace of mind about their financial data security.
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Bring American Express in line with competitors like Visa and Mastercard that have already implemented two-step login protections.
How Cardmembers Can Enroll in Two-Factor Authentication
Enrolling in Two-Factor Authentication is simple for American Express cardmembers:
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You’ll automatically be prompted to enroll the next time you log into your online account.
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Verify your personal details like name and email address are correct.
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Create a 6-9 digit Security Code. This enables account recovery if you forget your login credentials later.
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Enter a mobile number (optional). This allows one-time passwords to be sent via text message.
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Follow the on-screen instructions to complete enrollment.
Once enrolled, you’ll just need to enter the one-time password sent to your chosen method whenever logging in from a new device.
Many cardmembers appreciate the extra security and find two-step login seamless after initial enrollment. Of course, you can always contact American Express customer service if you need any assistance with the setup process.
The Bottom Line
The added protection helps prevent unauthorized access and cybercrime by verifying identity through two channels. While an extra step, two-step verification provides important security that’s become standard across the finance industry.
Express List gives you more control over your security
Your Express List is a personalised list of American Express approved merchants you’ve recently shopped at. By selecting merchants, you won’t need to receive verification codes when you shop there, unless we need to confirm its you making the purchase.
How it will work for you
The new regulation requires you to authenticate yourself more often when you are shopping online, in-store, or accessing your Online Account.
Please check your contact details are up-to-date, in case we need to send you a verification request, so we know its you whos making the purchase.
Watch This Before Applying For American Express | (Major Updates, Rules & Guide)
FAQ
Does American Express have two-factor authentication?
Two-factor Authentication is for both you and your company’s online safety and security. A promise we made to our clients that @Work would meet industry regulatory standards was made a reality in many places around the world.
Does American Express have a 3 or 4-digit security code?
How does Amex verify your identity?
Your Card PIN is a Personal Identification Number which helps us to verify your identity when using your Card.
Why am I not getting my American Express OTP?
It’s possible that American Express doesn’t have your email address or cell phone number on file if you don’t see an email or SMS option. It’s also possible that your email address or cell phone number has been changed recently. If you require assistance, please contact us and our Customer Care Professionals will assist you.