Leveraging a growing, global network of hundreds of card issuers, and thousands of ecommerce merchants, Ethoca is the leading provider of collaboration-based technology. Their innovative solutions enable both issuers and merchants to increase card acceptance, stop fraud, recover lost revenue, and eliminate chargebacks from fraud and customer service disputes. 

Business model 

Sells directly and through partners

Target Markets
Online shoppers, financial institutions, payment services providers, government services, online communities/web merchants, gaming and gambling, other online businesses

Service Provider Type 

Technology vendor, Web fraud detection company

Member of industry associations and or initiatives
MRC, MAG, NRF

Geographical presence
Global

SERVICES
Unique selling points
Ethoca’s fraud and dispute intelligence is confirmed by cardholders, allowing merchants to take immediate action to stop fraudulent orders and eliminate chargebacks. Card issuers recover losses and avoid the chargeback process. Ethoca Eliminator connects issuers to merchant order details to reduce disputes and friendly fraud as well as improve the cardholder experience.

Core services
Ethoca Eliminator, Ethoca Alerts

Pricing Model
More information available upon request. 

Fraud prevention partners
Kount, Accertify, CyberSource, FICO, TSYS, Lean Industries, Pega Systems, ACI

Other services
More information available upon request.

Third party connection
More information available upon request.

TECHNOLOGY: anti-fraud detection tools available
Address verification services 
No

CNP transactions
Yes

Card Verification Value (CVV)
No

Bin lookup
No

Geo-location Checks
No

Device Fingerprint
No

Payer Authentication
No

Velocity Rules – Purchase Limit Rules
No

White list/black list database
No

KYC – Know Your Customer
No

Credit Rating
No

Follow up action
Additional authentication (out of band authentication) and transaction verification capabilities

Other
More information available upon request. 


AUTHENTICATION CONTEXT
Online
Yes

Mobile
Yes

ATM
No

POS
No

Call centre
Yes

Other
More information available upon request. 


REFERENCE DATA CONNECTIVITY
Connectivity to governmental data
No

Other databases
Commercial attribute providers, eg credit databases


FRAUD MANAGEMENT SYSTEM TYPE
Single-channel fraud prevention system
No

Multi-channel fraud prevention system
Yes


CERTIFICATION
Type
PCI. More information available upon request. 

Regulation
PCI. More information available upon request. 

Other quality programs
More information available upon request. 

Other remarks
More information available upon request. 


CLIENTS
Main clients / references

Our suite of services delivers significant revenue growth and cost saving opportunities to thousands of merchants and issuers in more than 70 countries. Seven of the top 10 US ecommerce brands, 15 of the top 20 North American card issuers, and 10 of the top 15 UK card issuers rely on Ethoca’s solutions and the network that powers them. 

 

Future developments
Additional collaboration based solutions to stop friendly fraud, minimise false declines, and increase overall acceptance.