How Consumer Clarity works
Merchants, or providers acting for them, share purchase data with Ethoca. When a cardholder opens a transaction in the banking app, or phones the bank about it, the issuer calls the Consumer Clarity API and receives what Ethoca holds:
- Merchant details: a clear name, a logo and the purchase location
- Digital receipts: itemised purchase information and the merchant's contact details
- Smart Subscriptions: subscription information the cardholder can manage in the bank's channels
- For call centres: order details and refund information
Where Consumer Clarity fits
Consumer Clarity acts before any dispute exists, at the moment of doubt. Ethoca Alerts act later, once the cardholder has complained, and the chargeback process later still. Mastercard's documentation also uses the service to return compelling evidence under its First-Party Trust programme, where a transaction is eligible.
The product is offered under this name on Mastercard's site in October 2026, and its API was formerly called the Enriched Transactions API.
Who uses Consumer Clarity
For a merchant or a payment service provider, taking part means sending order and receipt data through an integration with Ethoca. For an issuer or a card programme, Consumer Clarity is a feature of the banking app, meant to bring fewer calls and fewer needless fraud claims.
Consumer Clarity, Order Insight or an Ethoca alert?
- Order Insight
- The comparable service from Verifi, a Visa solution: merchant order details shown to the issuer when a cardholder questions a charge.
- Ethoca alert
- Tells the merchant that fraud or a dispute has been reported, so that it can refund. Consumer Clarity tries to prevent the complaint.
Where Consumer Clarity shows up in a platform
Modules that do the work
- Card issuingVirtual and physical cards, wallets and controls, on the issuer processor you choose.
- Fraud & riskReal-time fraud scoring, limits and case management, with the risk engines you already trust.
- NotificationsEmail, SMS, push and in-app messages in your brand, through the providers you choose.
- Card acquiringCard acceptance on the phone, in store and online, through the acquirer you choose.
Platforms that need it
Where it is written
The laws and standards this page's facts come from.
- Ethoca Consumer Clarity, product page, read 13 October 2026 (Mastercard)
- Consumer Clarity API documentation, read 13 October 2026 (Mastercard Developers)
General information, not legal advice: what applies to you depends on your services and your market.