Ethoca vs FraudLabs Pro

Ethoca provides collaboration-based intelligence and technology for fraud prevention, dispute reduction, and customer experience. Ethoca Alerts sends issuer fraud and dispute information to merchants in near real time, allowing them to stop fulfillment or issue refunds; merchants can use a secure portal or API. If an alert is not actioned, the issuing bank may process a chargeback. Consumer Clarity displays recognizable merchant information and digital receipts to cardholders in banking apps and to issuer staff, including names, logos, itemized receipts, and contact details. A single API supports purchase recognition and digital-experience capabilities. Smart Subscriptions lets consumers view and manage subscriptions through digital banking channels. Ethoca identifies merchants, issuers, and payment, fraud, or fintech providers as participants. It describes role-based access, governance oversight, privacy controls, and a ringfencing framework for brand-agnostic participation. The service supports Android, iOS, web, and API access. Pricing is on request.

FraudLabs Pro screens e-commerce orders for payment fraud, helping merchants assess risk and reduce fraud losses and chargebacks. It assigns transactions a fraud score and suggests whether to approve, review, or reject them. Its validation signals cover IP location and proxy status, billing and shipping addresses, accounts, email, disposable phones, credit cards, transactions, devices, and blacklists. The service uses transaction histories and merchants’ approval, rejection, and blacklisting actions to learn fraud patterns. Merchants can connect through ready-made modules for platforms including Shopify, WooCommerce, Magento, PrestaShop, BigCommerce, OpenCart, and WHMCS, or use the REST API. Micro is free at free and allows 500 queries per month for businesses with monthly sales under 25K USD. Mini costs $29.95 a month; larger plans increase query and rule limits. Subscriptions are monthly, with no yearly option listed. A free 14-day Medium trial is available. Micro includes the Android and iOS app and Standard Support; paid plans list Priority Support.