DEFLECT
Turn Billing Confusion into Clarity
Ethoca Consumer Clarity helps customers understand what they purchased by showing real-time transaction details at the point of inquiry. By sharing your product, fulfillment, and brand data directly with cardholder banking apps and issuer support systems, disputes are stopped in their tracks before they’re ever filed.
Your first defense in the chargeback process.
When cardholders don’t recognize a charge, Consumer Clarity delivers the order details needed to confirm legitimacy and avoid a dispute altogether.
Make your transactions instantly recognizable.
Consumer Clarity connects your fulfillment data to cardholder-facing platforms, informing confusion before it turns into revenue loss.
The fastest way to reduce unrecognized transaction disputes.
By delivering your branded order data to card issuers, Consumer Clarity prevents friendly fraud at its earliest stage.
Integrated early in the cardholder journey.
Consumer Clarity shows up at cardholder and issuer points of inquiry, offering clarity that helps stop chargebacks before they begin.
Overview
How Consumer Clarity Works
Ethoca Consumer Clarity connects merchants to Mastercard issuers in real time. When a cardholder reviews a transaction in their banking app or contacts their bank, the system instantly displays your branded order data such as item names, delivery status, and support contact details. That clarity can clear confusion and build trust, thus preventing the dispute from escalating into a chargeback.
Features
Key Benefits and Capabilities
Instead of going straight to a chargeback, banks see product, fulfillment, and branding data. That’s often enough to confirm the transaction and stop the dispute from escalating.
Display itemized product details, merchant branding, and shipping status the moment a customer taps on a transaction descriptor. Reduce preventable chargebacks from friendly fraud and forgetfulness.
Cardholders get real answers quickly, reducing frustration and unnecessary refund requests. Reinforce your brand identity and reduce unrecognized charge claims by showing your logo, store name, and order key data.
Once connected, data flows automatically from your transaction stream to Mastercard’s issuer network with no manual work required. Prevent Mastercard disputes before they become chargebacks.
Compliant with Mastercard’s latest first-party fraud reduction framework, helping protect you from friendly fraud and related risk. Give issuers and cardholders the data they need to stop disputes early.
Choose seamless API integration or let ChargebackHelp deploy DEFLECT with minimal lift from your team.
Only relevant transaction details are shared, and only when a charge is under review by the cardholder or issuer. Consumer Clarity provides trusted data-sharing with issuer call centers.
Fewer customers call your team asking about unknown charges, freeing up your staff to focus on more complex needs. Deliver order clarity to customers without involving your support team.
Whether you process 100 or 100,000 transactions per day, DEFLECT keeps your dispute prevention consistent and automated. Support queues are kept clean and chargebacks are lowered without slowing down your operations.
By resolving uncertainty at the point of inquiry, Consumer Clarity prevents unnecessary disputes from entering the ecosystem. By tying cardholders to their purchases, DEFLECT helps prevent “I didn’t buy that” claims before they’re filed.
When issuers and cardholders have clarity, they file fewer disputes. DEFLECT reduces unnecessary chargebacks across the board. Show customers your logo, store name, itemized details, and delivery info to help confirm the transaction. Real-time visibility builds trust and reduces friction.
They damage your reputation and threaten your ability to process payments. Order Insight prevents those downstream effects by intercepting disputes at the point of inquiry.
Where Consumer Clarity Fits Within DEFLECT
Ethoca Consumer Clarity is a core component of ChargebackHelp’s DEFLECT solution. While DEFLECT combines multiple tools to prevent chargebacks, Consumer Clarity specifically deflects dispute on Mastercard transactions. By integrating Consumer Clarity through DEFLECT, merchants get real-time coverage, branded visibility, and immediate value without having to manage the connection themselves. It's a hands-off, always-on layer of protection that stops Mastercard disputes before they start. It also pairs perfectly with Verifi for complete issuer coverage.
FAQ
Consumer Clarity FAQ
Want to prevent Mastercard chargebacks?
Let’s explore how Consumer Clarity helps protect your revenue at the point of inquiry.