American Express Enhanced Authorization

Last updated: May 8, 2024

Note

This American Express solution is only available in the United States.

The American Express Enhanced Authorization solution analyzes the authorization request data fields to improve fraud prevention.

When the required extra data fields are included in authorization requests, issuers can conduct a more comprehensive risk assessment, leading to better-informed authorization decisions.

Merchants can populate American Express Enhanced Authorization data fields and other card details as part of the authorization request. For the most effective use of American Express Enhanced Authorization, use all data fields so that:

False positives are reduced
Fraud is reduced by up to 60%
Approval rates are increased by 60-100 basis points (bps)

Note

American Express Enhanced Authorization is mandatory for internet gambling merchants. Failure to do so will result in non-compliance as per American Express regulations.
While not mandatory, it is highly recommended that all other merchants comply.

For the full API specification, see the API reference.

get

https://api.checkout.com/payments

Internet gambling merchants (Merchant category code: 7801) in the United States are required to provide all data points for compliance with American Express regulations. For all other merchants, the fields are optional yet highly recommended. Extra data fields for American Express Enhanced Authorization include:

customer.email
customer.phone.number
customer.phone.country_code
payment_ip
items[].reference
shipping.first_name
shipping.last_name
shipping.address.address_line1
shipping.address.country
shipping.address.country_code
shipping.phone.number
shipping.method
shipping.timeframe

For the shipping.method field, the ship_to_store value is specific to American Express Enhanced Authorization.

For the shipping.timeframe field, electronic_delivery, same_day, overnight, two_day_or_more, and four_or_more are values specific to American Express Enhanced Authorization.


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 6540,
7  "currency": "USD",
8  "payment_type": "Recurring",
9  "reference": "ORD-5023-4E89",
10  "description": "Set of 3 masks",
11  "capture": true,
12  "capture_on": "2024-09-10T10:11:12Z",
13  "customer": {
14    "id": "cus_udst2tfldj6upmye2reztkmm4i",
15    "email": "[email protected]",
16    "name": "John Smith",
17    "phone": {
18      "country_code": "+1",
19      "number": "555 123 4567"
20    }
21  },
22  "billing_descriptor": {
23    "name": "Acme Corporation Inc.",
24    "city": "New York"
25  },
26  "shipping": {
27    "first_name": "John",
28    "last_name": "Smith",
29    "address": {
30      "address_line1": "111 Example Road",
31      "address_line2": "Example Court",
32      "city": "Anytown",
33      "state": "New York",
34      "zip": "22333",
35      "country": "US"
36    },
37    "phone": {
38      "country_code": "+1",
39      "number": "415 555 2671"
40    },
41    "method": "digital",
42    "timeframe": "same_day"
43  },
44  "success_url": "http://example.com/payments/success",
45  "failure_url": "http://example.com/payments/fail",
46  "payment_ip": "203.0.113.0"
47}

American Express Enhanced Authorization

Note

What is American Express Enhanced Authorization?

Note

Endpoints

American Express Enhanced Authorization data fields

Request example