What is Ethoca Consumer Clarity?

Ethoca Consumer Clarity is a Mastercard service that lets a bank see your detailed receipt and order data when a cardholder questions a charge. The goal is simple. Help the customer recognize the purchase so the issue ends before it becomes a dispute or a chargeback. It is a real time data sharing tool. It is not an alert or a refund program.

How it works

A customer calls the bank or taps a transaction in their banking app. The issuer requests more details through Consumer Clarity. You return the order data right away. If the customer recognizes the charge after seeing clear details, the case usually ends. If not, the issuer may move on to an alert or a standard chargeback.

What data to provide

Share specific details that match the exact transaction. Keep names and values consistent with what the customer saw at checkout and on the receipt.

• Merchant name that matches the billing descriptor • Order ID and invoice number • Transaction date and time, amount, and currency • Item names, quantities, and prices, taxes, and fees • Customer name, email, and support contact • Fulfillment status, shipping address, carrier, and tracking link • Digital access logs such as device, IP, login, and usage timestamps • Refund and cancellation policy text shown at checkout

When it helps most

Consumer Clarity is effective for unrecognized charges, subscription renewals, goods not received claims, and cases where item level detail or delivery proof clears up confusion. It is especially useful for card not present sales in retail, subscriptions, travel, and digital goods.