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.
Consumer Clarity Digital
Merchant details: Give consumers convenient access to merchant brand and location information within their banking app — allowing for easy purchase recognition.
Digital Receipts: Provide convenient access to digital receipts within issuers' banking apps.
Consumer Clarity Call Center
Provide issuer teams with detailed purchase information to address customer inquiries.
Benefits for merchants
Reduce Friendly Fraud
Provide purchase clarity to remove upfront confusion — eliminating invalid disputes
Eliminate Revenue Loss
Eliminate unnecessary refunds and loss of revenue due to consumer purchase confusion
Reduce Chargeback Costs
Avoid unnecessary chargebacks from friendly fraud and customer disputes
Engage Consumers
Redirect disputes from issuer to merchant by providing clear merchant contact information
Benefits for issuers
Eliminate Confusion
Remove transaction confusion up front — eliminating friendly fraud disputes
Reduce Chargeback Costs
Avoid unnecessary chargebacks and write-offs from friendly fraud and customer disputes
Improve Experience
Improve customer experience and satisfaction
Resolve in One Call
Make dispute decisions correctly and quickly during initial call
How does Consumer Clarity work?
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.