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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.

Come One, Come All!

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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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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.


The Bigger the Network, the Better the Value

000+Card Issuers

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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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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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


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

Risk Team Lead

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

Direct Sales Manager

South African Airways

Just a Few of Our Satisfied Customers

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.


Ethoca, TSYS and Capital One UK Collaboration Highly Commended for Innovation at The Card & Payments Awards 2018

Automating fraud loss avoidance and recoveries created a better customer experience, cut costs and led to commendation for Best Industry Innovation of the Year distinction.


Paris Fintech Forum

TheEuropean Fintech event of the year. We gather annually in January the whole Digital Finance &Fintech Family in the very center of Paris. 200+ speakers - 130+ Fintech on stage from more than 30 countries.

Visit event website