Ethoca, owned by Mastercard, runs the dominant pre-dispute alert network for Mastercard transactions. When an issuing bank flags a transaction for dispute, Ethoca fires a near-real-time alert to the enrolled merchant, who can then refund the charge and halt the chargeback before it is officially filed. The network spans thousands of issuing banks globally and captures the large majority of Mastercard dispute volume, making coverage comprehensive for any merchant that processes Mastercard.

Ethoca is not a standalone portal - access is typically brokered through a chargeback management platform or payment processor. Adult operators should confirm their acquirer or tool vendor includes Ethoca in their alert bundle.