Ethoca operates a real-time information-sharing network that closes data gaps across the purchase journey, enabling faster fraud detection and fewer disputed transactions. By delivering timely signals between card issuers, merchants and acquirers, it helps stop fraudulent orders before fulfillment and reduce costly downstream dispute handling.

Key solutions include consumer-facing transaction clarity that displays recognizable merchant details in banking apps, real-time alerts that let merchants act quickly on suspected fraud, and subscription management features that lower friction for recurring billing. These offerings are designed to reduce transaction confusion, prevent first-party fraud, and limit unnecessary refunds and disputes.

The platform supports large merchants, issuers and technology partners with integrations, assessments and resources to improve dispute ratios and reclaim revenue, backed by research and case studies to guide implementation and ongoing optimization.