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Let Us Take the Pain Out of Ecommerce

Ethoca is the leading, global provider of collaboration-based technology that enables card issuers, ecommerce merchants and online businesses to increase card acceptance, fight fraud, recover lost revenue and eliminate chargebacks from both fraud and customer service disputes.

Through the Ethoca Network we're closing the information gap between issuers and merchants. This unique capability makes fraud and customer dispute insight available and actionable in real time, rather than weeks later, and powers all of our product offerings.

Our suite of services delivers significant revenue growth and cost saving opportunities for merchants, issuers and other payments stakeholders across the globe. This includes the world’s biggest ecommerce brands and the largest banks.

Introducing Our Integrated Solution Suite

Friendly fraud and false declines are on the rise, creating unnecessary friction and frustration for customers and threatening the success of your business. Ethoca is tackling these problems – along with genuine fraud, chargebacks and more – through a groundbreaking new solution powered by merchant-issuer collaboration. It not only disrupts criminal activity and reduces false claims, but sets the stage for the holy grail: increased transaction acceptance! 

Introducing Ethoca's Integrated Solution Suite: The best way for merchants and issuers to make frictionless ecommerce a reality. 

Get to Know Our Powerful Products


Ethoca Eliminator tackles the growing problems of friendly fraud and false declines by digitally transforming the customer experience and connecting issuers to merchant order and account history details in real time.

Now issuer call center agents have the information they need to effectively engage in a real-time conversation with cardholders whenever a dispute comes in. This includes itemized receipts, detailed account history, summary of merchant actions and refund status.

The result? The right party – the customer – now assumes responsibility for the disputed transaction. Merchants benefit by recovering the sale, higher future acceptance and avoiding the chargeback and representment process altogether. Issuers benefit by avoiding the dispute the moment they are contacted by their cardholder or, better yet, by allowing the customer to self-serve through the digital channel to get more insight into a transaction of interest.


Ethoca Alerts

Ethoca Alerts is an award winning service used by hundreds of issuers and thousands of card not present merchants to stop fraud, eliminate chargebacks, increase acceptance and improve customer experience. Leveraging our global collaboration network, it allows issuers and merchants to share fraud and customer dispute intelligence in near real-time, rather than weeks later through the normal chargeback process. Merchants now have advance notification of impending chargebacks and can take immediate action to stop them at the source. Issuers are able to significantly reduce fraud and chargeback costs and improve recovery of 3DS and low value transaction losses.


Enhanced Representments

We’ve created a flexible, fully automated and high-performing chargeback representment platform that allows merchants to responsibly recover revenue lost to chargebacks with minimal effort.

By integrating and collaborating directly with the key parties involved in the chargeback process, Ethoca’s Enhanced Representment service decides what chargebacks to fight based upon rules set by the merchant, collects all the necessary evidence and processes the representment in real time to maximize revenue recovery.

The results of these efforts (as well as other critical chargeback data) is then delivered and displayed as simple, customizable analytics and reports that allow them to make adjustments to their filters and develop accurate future revenue and representment forecasts.

enhanced representments