Ethoca vs Ravelin

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.

Ravelin is a paid fraud prevention and payments platform for online merchants and payment service providers, with pricing available on request. It covers payment fraud, refund abuse, account security, promotion abuse, partner fraud, 3D Secure, and transaction optimization. Its detection combines custom machine learning, graph networks, behavioral analysis, anonymized consortium data, and expert rules. Ravelin says its consortium database contains more than 9 billion anonymized identity elements and is GDPR-compliant. For payment fraud integrations, customers send transaction and dispute details through an API and receive a recommendation on whether to continue processing. Teams can test rules in a sandbox, predict impact, control the full ruleset, and generate rules from natural-language prompts. Ravelin Insights includes performance monitoring, transaction-anomaly investigation, an AI query builder, and custom reports and dashboards. Transaction optimization uses issuer behavior, PSD2/SCA intelligence, and risk signals to recommend payment routes. Integration options include API endpoints, browser JavaScript, and iOS and Android SDKs. The company says customers receive dedicated account, integration, product support, and data science teams.