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Ethoca Consumer Clarity

Ethoca Consumer Clarity™ provides rich merchant and purchase information to cardholders within their bank apps — and with financial institutions' call center and back-office staff.

Prevent disputes. Improve experience. 

By connecting merchants and issuers together, Consumer Clarity enables rich purchase information sharing – including clear merchant names, logos, geolocation data and even fully itemised receipts – to be shared via issuers' digital banking apps and back-office teams. This provides cardholders with multiple channels to get purchase information that helps reduce confusion that often leads to friendly fraud disputes, while also building a better customer experience. 

Clarity - Improve Experience

Consumer Clarity Digital

Merchant details: Give consumers convenient access to merchant brand and location information within their banking app — allowing for easy purchase recognition.

Preview of merchant details in a banking app on a phone screen

Digital Receipts: Provide convenient access to digital receipts within issuers' banking apps.

Preview of a digital receipt in a bank app on a phone screen


Consumer Clarity Call Center

Provide issuer teams with detailed purchase information to address customer inquiries. 

Preview of Ethoca Consumer Clarity Call Center screen


Benefits for merchants

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Reduce Friendly Fraud

Provide purchase clarity to remove upfront confusion — eliminating invalid disputes

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Eliminate Revenue Loss

Eliminate unnecessary refunds and loss of revenue due to consumer purchase confusion

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Reduce Chargeback Costs

Avoid unnecessary chargebacks from friendly fraud and customer disputes

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Engage Consumers

Redirect disputes from issuer to merchant by providing clear merchant contact information

Benefits for issuers

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Eliminate Confusion

Remove transaction confusion up front — eliminating friendly fraud disputes

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Reduce Chargeback Costs

Avoid unnecessary chargebacks and write-offs from friendly fraud and customer disputes

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Improve Experience

Improve customer experience and satisfaction

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Resolve in One Call

Make dispute decisions correctly and quickly during initial call

How does Consumer Clarity work? 

Flow chart showing how Ethoca Consumer Clarity shares purchase information


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Read our latest digital receipts research

Ethoca and Aite-Novarica teamed up to conduct new research that explores value drivers for businesses to deploy digital receipts and potential obstacles, as well as the expectations of and ways in which consumers would like to leverage digital receipts.

Read more

Want to learn more about how Consumer Clarity can help your business?

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