Ethoca vs MaxMind minFraud
Ethoca
ethoca.comMaxMind minFraud
maxmind.comSide by side
| Figure | Ethoca | MaxMind minFraud |
|---|---|---|
| Price from | — | $0.01/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 5 |
| Spec score · Payment Fraud Detection Software | 7.9 (#11) | 8.1 (#9) |
| Founded | 2005 | 2002 |
| Integration | Consumer Clarity offers a single API integration for purchase recognition and digital experience capabilities. | MaxMind describes minFraud as a lightweight API with flexible integration. |
| Intended users | Ethoca identifies merchants, issuers and payments, fraud or fintech platform and service providers as participants or potential partners. | The platform page names payment, eCommerce, market research, financial services and fintech, and incentivized-traffic marketing platforms as audiences. |
| Purpose | Ethoca provides collaboration-based intelligence and technology to help businesses fight fraud, prevent disputes and improve customer experience. | minFraud is a transaction risk API that provides risk scoring and risk data to help businesses prevent online fraud and manage risk. |
| Security | Ethoca describes role-based access controls, dedicated governance oversight, and privacy controls for data storage, security and purpose limitation. | MaxMind says its information security management system is based on ISO 27001 and that it has completed a SOC 2 Type II audit. |
Plans
MaxMind minFraud
- minFraud Score$0.01 a month
- minFraud Insights$0.02 a month
- minFraud Score$0.01, paid once
- minFraud Factors$0.02, paid once
- minFraud Insights$0.02, paid once
In their own words
Ethoca
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.
MaxMind minFraud
MaxMind minFraud is a transaction risk API for businesses assessing online transactions and other activity. It returns risk scores and data to help businesses manage fraud, with real-time scoring that combines machine learning and fraud-expert heuristics. The score can inform whether to accept, reject, or review a transaction. Use cases include eCommerce payments, customer onboarding, incentivized online activity, and network security. The service describes more than 80 risk attributes related to IP addresses, email, devices, phone numbers, credit cards, and shipping addresses. Custom rules can label matching transactions for acceptance, rejection, or manual review without changing the score. Customers can submit reports about chargebacks, false positives, suspected fraud, spam, or abuse through the Report Transaction API. The API is described as lightweight, with flexible integration; device-tracking documentation covers web, Android, and iOS. A trial includes up to 1,000 queries. Paid usage is pay as you go, with no commitment or monthly minimums; minFraud Score is $0.01 a month and Insights is $0.02 a month. MaxMind was founded in 2002 and is headquartered in Malden, Massachusetts.