American Express SafeKey®

American Express SafeKey® helps to prevent online fraud when you are shopping online with your American Express® Card. Safekey is an added security to your online shopping experience. To make sure you are the one making the online payment, MCB sends you a One-Time Password (OTP) during the checkout process on your mobile phone or email address provided. Once you have entered the password correctly, the transaction can be processed.

Yes it does. But fraud protection and fraud prevention are two very different things. SafeKey is all about preventing fraud from even happening on your American Express® Card as you shop online.

No. We will activate it automatically based on the mobile phone number and/or email address you have provided.

It is free as it is part of your American Express® Card benefits.

Step 1: If the merchant’s website supports Safekey, a pop-up window will appear at checkout to request you to enter your User ID.

Step 2: If your User ID is validated, a One-Time Password (OTP) will be sent to your mobile phone number which has been registered for Safekey. If you do not obtain your OTP on your mobile phone, you still can request to have it sent to your registered email address.

Step 3: Enter the One-Time Password (OTP) to confirm your payment.

Some merchants do not have American Express SafeKey®, so you will not be asked for your OTP when you are shopping on their website. You will only need to enter your OTP for purchases made at websites that support SafeKey.

All participating merchants will display the SafeKey logo on relevant pages on their site at checkout.

Yes, you can. But please ensure that your mobile phone is on roaming mode as the OTP will be sent to your mobile phone number registered with us. If ever you are using a foreign mobile phone number while being abroad, please contact the bank to update your details. Once you are using back your Mauritian number, please inform the bank accordingly.

The OTP is valid for 5 minutes from the time it is triggered.

If you click the “Resend OTP” button within the 5-minute time frame, the same OTP will be sent to you. If after the 5-minute time frame, you still have not entered the OTP or you have clicked on the “Resend OTP” button, your entire SafeKey session will expire and you will have to restart a new one.

If an incorrect OTP is entered more than 3 times, the session will close automatically. You will have to restart a new one.

To confirm if your details are up to date, please contact our Customer Service on +230 202 6060 or your Relationship Manager. We strongly encourage you to keep your contact details up-to-date.

Simply contact our Customer Service on +230 202 6060 to have your details updated or you may also visit an MCB branch and complete the corresponding form to have your request processed.

Once you are sure that your contact details have been updated, you may start transacting immediately.

No, each supplementary Card account has a specific mobile phone number and/or email address associated with it. If a mobile phone number and/or email address has/have not been registered for the supplementary Card/s, please update the details for the supplementary Card/s as needed.

No, the update for the supplementary Card will not change anything to the contact details of the primary Card or other supplementary Cards. It applies to the unique supplementary Card account only.

Yes, we will automatically enroll your future Card either it being a replacement or renewed one. The most important thing is to get your mobile number updated.

If ever you notice any Card payment charged incorrectly to your account, we invite you to contact your nearest MCB branch or call on +230 202 6060