Ethoca Launches Multi-Layered Authentication for Merchant Accounts

September 18, 2025

San Francisco – Ethoca today announced the release of its new Multi-Layered Authentication System, a revolutionary approach to merchant account security that combines biometrics, behavioral analytics, and real-time fraud monitoring across all merchant accounts.

This new layer of security builds upon Ethoca's existing fraud prevention tools, adding dynamic authentication that adapts to merchant transaction patterns and detects account takeovers in milliseconds. The system supports 42 authentication protocols and automatically updates defenses based on real-time risk indicators.

Key Features

Behavioral Biometrics

Tracks user behavior patterns across all account actions for continuous authentication

Device Fingerprinting

Identifies anomalous login attempts based on device characteristics and geolocation

Real-Time Threat Detection

Monitors active account sessions for suspicious inactivity and session hijacking attempts

Zero-Trust Framework

Implements continuous authentication checks during sensitive merchant account operations

"This next generation of merchant account security is critical in the age of sophisticated account takeover attacks," said John Chen, CEO of Ethoca. "We're making it impossible for attackers to compromise merchant dashboards through traditional phishing or credential theft methods."

"The new system detected and prevented 78% of simulated attack vectors in our security stress tests."

Additional Resources

Product documentation: Multi-Layered Authentication
Case study: Security Case Study
Demo video: Watch Demo