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making ecommerce simply about commerce

Ethoca is the global network of banks and merchants driving a simple, trusted consumer payment experience through collaboration.

Good Things Happen When You Join the Network

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Fight Fraud

When fraud strikes, recover your losses with ease.

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Eliminate Chargebacks

They cost time and money. Let's blow them away.

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Increase Acceptance

Don't mistake customers for criminals — it hurts your bottom line!

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Recover Revenue

It’s your revenue – let’s go get it back for you.

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Improve Experience

Less friction and frustration, more smiles and sales.

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Introducing the Multilingual Ethoca Website

Our network is global, and now our website is too! With French, Spanish, Portuguese and Chinese versions of our site available, you can easily learn about the many benefits of Ethoca's powerful solutions in the language of your choosing. 

View the pages here: French  |  Spanish  |  Portuguese  |  Chinese

Did You Know: Ethoca won Best Technology Initiative of the Year at the 2019 Card and Payments Awards!

Come One, Come All!

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Merchants

Online services or retail, travel, electronics — you name it. If you sell online, we can help.

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Card Issuers

Banks, credit unions, issuer processors and more. We've got you covered.

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Partners

Acquirers, PSPs, gateways, ISOs and more. We have solutions for you and your customers.

What is a Collaboration Network?

Card issuing banks and ecommerce merchants use a multi-layered arsenal of tools to defend against fraud, disputes and chargebacks. While this approach can be somewhat effective, there's a big missed opportunity caused by a lack of timely communication.

For years, there was no fast, reliable and secure way to share this intelligence outside of the chargeback process. Thankfully, Ethoca changed all this.

Welcome to the age of the Collaboration Network — the opportunities are endless.

Ethoca's collaboration network

The Bigger the Network, the Better the Value

0,000+Merchants
000+Card Issuers
00+Countries
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Whitepaper: The Faces of Friendly Fraud

With 86% of card disputes believed to be fraudulent, and a rate of growth in the double digits, it’s no wonder the FBI views friendly fraud as the third biggest problem in ecommerce today. Unfortunately, friendly fraud stems from a spectrum of behaviors that are challenging to detect. Beating this threat requires implementing solutions capable of addressing it in real time to eliminate disputes once and for all. The good news? We can help.

Powerful Products for Merchants

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Ethoca Alerts

Reduce CNP fraud and chargebacks through merchant-issuer collaboration.

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Eliminator

Eliminate chargebacks and recover revenue lost to 'friendly fraud' and customer disputes.

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Enhanced Representments

Fight chargebacks and get your money back faster than ever before.

Powerful Products for Issuers

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Ethoca Alerts

Improve CNP fraud and dispute recovery through collaboration.

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Eliminator

Put a stop to the poor cardholder experience that comes from false claims and disputes.

Does Collaboration Work? Ask our Customers...

Now we can cancel and refund fraudulent bookings as well as avoid the chargeback process completely.

Revenue Protection Lead

easyJet

The services they provide are top notch. Ethoca Alerts are a key contributor to our fraud prevention efforts.

Risk Team Lead

Build.com

Ethoca Alerts facilitates sales and provides a safeguard for risky transactions.

Direct Sales Manager

South African Airways

Just a Few of Our Satisfied Customers

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Case Study: Ethoca Helps Airline Fight Fraud

South African Airways, the largest airline in South Africa, had a problem. Although they had a layered defense system in place, they were unable to confirm fraud with card issuers and had no way of verifying suspicious transactions. Torn between the possibility of fraud slipping through and insulting their loyal customers, they decided to take action and join the Ethoca Network.

News

CB Offers Ecommerce Merchants a New Service to Fight Fraud and Reduce Chargebacks

The CB Alerts portal, developed with Ethoca, allows ecommerce merchants to collaborate with card issuing banks in near-real-time to fight fraud, reduce chargebacks.

Events

Paris Fintech Forum

Ethoca heads to France to join 2,600+ attendees from 72 countries over 2 days in the heart of Paris, to listen to 240+ CEO’s from banks, insurance, telco, regulators and of course Fintechs from all continents.

View Event Website