Fill the form to get the Product Info Sheet -->

A reliable, accurate and cost-effective card-not-present fraud detection service

You need a reliable, accurate and cost-effective card-not-present fraud detection service for your online business. Something that works out-of-the-box for e-commerce merchants in a variety of industries. You need Ethoca360 Standard Edition (SE), Ethoca's core anti-fraud solution.

The most power for the price

Employing sophisticated statistical and behavioral analytics, Ethoca360 SE uses consortium models that leverage collaboratively pooled data to deliver a seeming contradiction -- a generalized solution that isn't a compromise -- catching up to 70% of fraudulent transactions automatically.

For most small to mid-size merchants, or those in industries with relatively low "attack rates", Ethoca360 SE is the perfect fit, detecting more fraud at a lower cost than any alternative in its class.

Larger merchants in industries with relatively low fraud/chargeback rates will also find Ethoca360 SE is a great stand-alone solution.

Several sizes to fit all 

Because different industries have variations in data that is typically collected, as well as in products they sell and the associated risk/financial impact profile, there are several standard Ethoca360 SE industry models available, in addition to the generic model that will work for any online business.

What does Ethoca360 SE do?

Ethoca360 SE evaluates card-not-present (usually online, but also mail order or telephone -- MOTO -- and fax) transactions to generate a fraud risk score using a data-driven statistical model. Using the score, decisions to Accept, Reject or Refer for Manual Review can be fully automated based on your organization's policies and risk tolerance thresholds.

When orders are referred for manual review, it's because the score is ambiguous, neither strong enough to say Yes automatically, or certain enough of risk to just say No. When this happens, you need additional decision support information, and Ethoca360 SE provides that in the form of collaborative signals.

Signals use behavioral analytics to break down the risk by data elements, sub-elements, and composite rules, providing direct exposure to risk factors and collaborative pattern analysis (matching, inconsistency, velocity and deep links).

This data is rolled up into a Warning Signal that displays as Red, Yellow, Green or White (High Risk, Medium Risk, Safe, Insufficient data) for each factor to allow the reviewer to quickly visualize the overall risk and decide what to do with the order.

Why does it do a better job than the competition?

Statistical models derived from multivariate regression analysis to determine "best fit" to the data are inherently more accurate than models assembled by trial and error from a set of intuitive rules. On average, 15-30% more accurate.

Because your fraud score is driven by the statistical model, its predictive value derives from the fact that historical fraud patterns were influenced by the same factors as current and future fraud within a set of like merchants. The principle that the past can be used to predict the future.

But statistics are only as good as the data they work with. And, with most fraud services, you only have your own data as the basis for decisions.

With Ethoca's collaborative fraud management approach, all member data is pooled into a single global repository. That massive amount of data significantly improves the accuracy of Ethoca360's predictions, and as more merchants join the community, the scoring accuracy automatically grows too.

But's its the behavioral analytics that give you the most powerful one-two punch to stop fraud, because this massive community repository also provides visibility into fraud patterns and trends at other merchants and in other parts of the world in real time.

Thus you'll both do a better job of identifying good and bad customers based on direct matching and linking, in addition to having hundreds of times more data for superior accuracy.

While intuitive rule-based tools and niche products such as geo-location services and device ID (i.e. the competition) can catch a lot of fraud, they can also generate a lot of false positives (orders rejected incorrectly).

Ethoca's approach is much more accurate. Not only catching more of the orders that really are fraudulent, but also enabling you to safely accept more good business.

Ethoca's statistical fraud models combined with cross-industry, cross-merchant behavioral analytics achieve the highest performance possible in an "off-the-shelf" solution. That's because they are:

• Leveraging the massive knowledge pool of Global Fraud Alliance data
• Seeing reality in real time
• Tuned to the sector you are in

Why is it lower cost?

Because as a member of the Global Fraud Alliance, you are participating in a network of merchants who pool their data to collaborate against fraud.

With more data to work from, Ethoca can create superior fraud solutions at lower cost than our competition, who must depend on highly complex rule-based models to approach the decisioning power you get from GFA membership.

A solution so good, we guarantee it

Ethoca is so confident in its technology that we are willing to quote actual fraud savings once we have analyzed your data, and then stand behind our numbers.

Pricing starts at $300/month

Pricing starts at less than $300/month, and is based on offering a high return on investment.

You receive an expected and a guaranteed ROI, and if you don't exceed the guaranteed ROI, you don't pay.

Is it easy to upgrade?

Yes. All Ethoca360 offerings use the same Application Programming Interface (API). So if you decide later that you need the absolute maximum performance, or that your business has grown so much that you need more, it's easy to upgrade to Ethoca360 Plus when the time comes.