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Issuer Charge Verification API

American Express Network Issuers can leverage Issuer Charge Verification API to enable the Cardmember to instantly verify and respond if they initiated a card-present or card-not-present authorisation request flagged by American Express Network as high-risk. Legitimate transactions are converted to approvals, consequently avoiding loss of billings and delivering improved Cardmember experience.

The Issuer Charge Verification (ICV) API enables Global Network Services (GNS) issuers to share issuer charge verification results with American Express to help reduce fraud on the Network. Last Updated: April 16, 2026

Issuer Charge Verification is a functionality that allows an issuer to contact an American Express Card Member after decisioning to help verify a high-fraud risk transaction as legitimate or fraud. The ICV API allows issuers to share Card Member responses to issuer charge verification with the American Express Network. This data will help enhance network fraud detection capabilities, which will support reducing fraud on the network. NOTE: The ICV API does not enable the issuer charge verification functionality. The ICV API simply allows an issuer to share a Card Member’s response to an issuer charge verification with the American Express Network.

Intended for: Issuers

Highlights

Issuer Decisions Transaction

The Issuer declines a potential high-fraud risk transaction.

The Issuer Executes Issuer Charge Verification

The Issuer sends Card Member an issuer charge verification push notification.

Issuer Calls ICV API

Following the Card Member’s response, the Issuer calls ICV API, and the ICV API relays the Card Member’s response to the issuer charge verification to the American Express Network.

Benefits

Supports reduced fraud on the network

Helps to capture a valid spend

Have any questions?

Partner

Become an official American Express partner to receive production access to your ICV API integration. To learn more about how to become a partner, contact a member of our Partnerships Team.

Integrate

For more information on integrating with the ICV API, please visit our API Reference page or contact our Integration Team.

Please contact us with any questions. Contact support