Financial Technology / Fraud Prevention & Chargeback Management

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  Ethoca Limited

  Toronto, Ontario, Canada

  Ethoca Limited is a global provider of collaboration‑based fraud prevention and chargeback resolution technology, now operating as a Mastercard company. Founded in 2005 and headquartered in Toronto, Canada, Ethoca created the first and only network of its kind that enables card issuers, e‑commerce merchants, and online businesses to share fraud intelligence in near real time. By closing the information gap that traditionally existed between issuers and merchants, Ethoca helps reduce chargebacks from both fraudulent transactions and legitimate customer service disputes, while also preventing false declines. Its flagship products—Ethoca Alerts, Ethoca Eliminator (which includes the Digital Receipt service), and Ethoca Consumer Clarity—allow merchants to receive early warnings of suspected fraud so they can stop shipments or issue refunds before a chargeback is initiated. The Ethoca Network now connects over 8,000 merchants and more than 5,075 financial institutions across 70+ countries, processing millions of transaction insights daily. In 2019, Mastercard acquired Ethoca to integrate its capabilities into Mastercard’s broader cybersecurity and fraud management suite. As a wholly owned subsidiary, Ethoca continues to operate from its Toronto base, delivering solutions that lower operational costs for merchants and issuers while improving the online payment experience for consumers.