Ethoca Security Assessment
A Mastercard Company
Security & Compliance
Ethoca is a secure network for card issuers and merchants to connect and work cooperatively outside the payment network.
9-Dimension Security Framework
Identity & Access Management
Compliance & Certification
AI Integration Security
NEWAPI Security
Infrastructure Security
Data Protection
Vulnerability Management
Breach History
Incident Response
AI Integration Security Assessment (9th Dimension)
Assess whether SaaS applications are safe for AI agent integration using Anthropic's Model Context Protocol (MCP) standards. Identify Shadow AI risks before they become breaches and make safer AI tool decisions than your competitors.
Last updated: January 16, 2026 at 06:53 AM
Assessment Transparency
See exactly what data backs this security assessment
Data Coverage
5/8 security categories assessed
Score based on 5 of 8 categories. Missing categories could not be assessed due to lack of public data or vendor restrictions.
Evaluation Friction
Evaluation friction estimates how long it typically takes to fully evaluate this vendor's security practices, from initial contact to complete assessment.
2 Data Sources Blocked
This vendor is actively blocking 2 automated data collection sourcesthrough bot protection, authentication requirements, or access restrictions.
What this means: The security assessment may be incomplete because the vendor is restricting access to public security information. Manual verification may be required during procurement.
Transparency indicators show data completeness and vendor accessibility
AI Integration Security
🔒 9th DimensionAssess whether Ethoca is safe for AI agent integration. Identify Shadow AI risks before they become breaches using Anthropic's Model Context Protocol (MCP) standards.
AI Readiness
Infrastructure for AI integration
AI Security
Safety controls for AI agents
Comprehensive Security Analysis
In-depth assessment with detailed recommendations
Security Analysis
Executive Summary
| Metric | Value | Assessment |
|---|---|---|
| Security Grade | D | Needs Improvement |
| Risk Level | High | Not recommended |
| Enterprise Readiness | 44% | Gaps Exist |
| Critical Gaps | 0 | None |
Security Assessment
| Category | Score | Status | Action Required |
|---|---|---|---|
| 🟢 Breach History | 100/100 | excellent | Maintain current controls |
| 🟠 Incident Response | 60/100 | needs_improvement | Monitor and improve gradually |
| 🟠 Data Protection | 55/100 | needs_improvement | Implement encryption at rest, TLS/HTTPS, and 1 more |
| 🟠 API Security | 50/100 | needs_improvement | Add rate limiting and authentication |
| 🟠 Identity & Access Management | 35/100 | needs_improvement | URGENT: Implement compensating controls immediately |
| 🟠 Infrastructure Security | 30/100 | needs_improvement | Review and enhance controls |
| 🟠 Compliance & Certification | 10/100 | needs_improvement | Review and enhance controls |
| 🟠 Vulnerability Management | 0/100 | needs_improvement | Review and enhance controls |
Overall Grade: D (34/100)
Critical Security Gaps
| Gap | Severity | Business Impact | Recommendation |
|---|---|---|---|
| 🟡 No public security documentation or audit reports | MEDIUM | 40-80 hours of security assessment overhead | Request security audit reports (SOC 2, pen tests) and security whitepaper |
Total Gaps Identified: 1 | Critical/High Priority: 0
Compliance Status
| Framework | Status | Priority |
|---|---|---|
| SOC 2 | ❌ Missing | High Priority |
| ISO 27001 | ❌ Missing | High Priority |
| GDPR | ❌ Missing | High Priority |
| HIPAA | ❓ Unknown | Verify Status |
| PCI DSS | ❓ Unknown | Verify Status |
Warning: No compliance certifications verified. Extensive due diligence required.
Operational Excellence
| Metric | Status | Details |
|---|---|---|
| Status Page | ❌ Not Found | N/A |
| Documentation Quality | ❌ 0/10 | No SDKs |
| SLA Commitment | ❌ None | No public SLA |
| API Versioning | ⚠️ None | No version control |
| Support Channels | ℹ️ 0 channels |
Operational Facts Extracted: 3 data points from operational_maturity enrichment
Integration Requirements
| Aspect | Details | Notes |
|---|---|---|
| Setup Time | 3-5 days (manual setup required) | Estimated deployment timeline |
| Known Issues | Manual user provisioning may be required, Limited API automation capabilities, No automated user lifecycle management, Additional security controls needed | Implementation considerations |
Authentication Capabilities
| Method | Tier Requirement | Evidence Source |
|---|---|---|
| ❌ OAuth 2.0 | All Tiers | auth_discovery (90% confidence) |
| ✅ SSO (SAML/OAuth) | Enterprise | sso_discovery (90% confidence) |
Authentication Facts Extracted: 0 data points from auth_evidence enrichment
⚠️ Inherent Risk Consideration
Data Sensitivity: This application stores sensitive data:
Risk Level: LOW - Contains
Compliance & Certifications
AI Integration Security Assessment
Industry-first assessment evaluating whether Ethoca is safe and ready for AI agent integration. Covers AI security controls and readiness infrastructure for Anthropic's Model Context Protocol (MCP).
AI Integration Security
Industry-first assessment for AI agent safety
✅Excellent Security Features
- ●OAuth 1.0a authentication required for Mastercard APIs with signing process. Documentation shows 'Using the Initiate Authenticate and Authenticate Payer operations for 3-D Secure authentication requires you to manage a variety of authentication flows'
- ●Multiple regional endpoints documented: na.gateway.mastercard.com (North America), ap-gateway.mastercard.com (Asia Pacific), na-gateway.mastercard.com, mtf.gateway.mastercard.com
- ●Multiple regional endpoints supporting data residency requirements (NA, APAC, EU)
- ●Dual authentication methods (certificate-based and Basic HTTP)
- ●OAuth 1.0a implementation with cryptographic signing
⚠️Security Gaps & Recommendations
- ●No token expiration
- ●No token rotation
- ●No mfa enforcement
- ●No training opt out
- ●No read only tokens
- ●No action restrictions
- ●No audit logging
- ●No ai attribution
- ●No rate limiting
- ●No soc2 certified
AI Integration Security evaluates whether Ethoca is safe for AI agent access. This assessment considers authentication strength, access controls, observability capabilities, and data privacy protections when APIs are accessed by AI systems like Claude Code, GitHub Copilot, or custom AI agents.
AI Readiness Assessment
Evaluates readiness for AI agent integration
Official or community MCP server support
API docs, SDKs, code examples
API reference, auth flows, error handling
MCP Server Available (With Warnings)
community⚠️ Only high-risk MCP servers found - not recommended
Ethoca has MCP server support, but with security concerns.
💡Recommendations
- →❌ Poor AI readiness - not recommended for AI workflows
AI Readiness measures whether Ethocaprovides the infrastructure and developer resources necessary for secure AI agent integration. High readiness indicates official MCP server support, comprehensive API documentation, and developer-friendly tools.
API Intelligence
Transparency indicators showing API availability and access requirements for Ethoca.
API Intelligence
No public API documentation found. This vendor may not offer a public API.
No API Found
We didn't find public API documentation for this vendor. Many SaaS vendors, especially SMB-focused tools, don't offer public REST APIs. This is normal and not a data quality issue.
Note: Not all SaaS vendors offer public APIs. This is completely normal, especially for SMB-focused tools. It doesn't affect the security assessment.
AI-Powered Stakeholder Decision Analysis
LLM-generated security perspectives tailored to CISO, CFO, CTO, and Legal stakeholder needs. All analysis is grounded in verified API data with zero fabrication.
Security Posture & Operational Capabilities
Comprehensive assessment of Ethoca's security posture, operational maturity, authentication capabilities, security automation APIs, and breach intelligence.
Operational Maturity
Support, SLAs, and documentation quality
Authentication Data Not Yet Assessed
We haven't collected authentication and authorization data for Ethoca yet.
Security Automation APIs
Programmatic user management, data operations, and security controls
Frequently Asked Questions
Common questions about Ethoca
While API references delve into the technical details of individual functions, API documentation offers a more holistic perspective. It includes the API reference information but expands upon it with additional explanations, usage guidelines, and best practices.
Source: Search insights from Google, Bing
Navigate to the API documentation page. Download the API specification (OpenAPI or Swagger) Generate and configure an API client for this API.
Source: Search insights from Google, Bing
At minimum, an API reference should contain a guide called "Using the name-of-api", which will provide a basic guide to how to use the API. More complex APIs may require multiple usage guides to explain how to use different aspects of the API.
Source: Search insights from Google, Bing
With Postman, you can: Automatically generate API documentation: Postman enables users to automatically generate API documentation for any OpenAPI 3.0 definition, as well as for any collection they create.
Source: Search insights from Google, Bing
Compare with Alternatives
How does Ethoca stack up against similar applications in Security & Compliance? Click column headers to sort by different criteria.
| Application | Overall ScoreScore↓ | Grade | AI Security 🤖AI 🤖⇅ | Action |
|---|---|---|---|---|
44/100🏆 | C | N/A | View ProfileView | |
43/100 | C | N/A | View ProfileView | |
35/100 | D+ | N/A | View ProfileView | |
EthocaCurrent | 34/100 | D | 47/100 | |
30/100 | D | N/A | View ProfileView | |
25/100 | F | N/A | View ProfileView | |
23/100 | F | N/A | View ProfileView |
Security Comparison Insight
8 alternative(s) have higher overall security scores. Review the comparison to understand security tradeoffs for your specific requirements.