www.carat.fiserv.comCarat Global Platform | Carat U.S. | Fiserv

What we do What we do Explore the Carat Platform Explore the Carat Platform Orchestrate payments and commerce experiences. Alternative Payments Alternative Payments Engage more customers and lower the cost of payments. Secure Commerce Secure Commerce Protect your brand. Heading Control Center Take control of your business with data and insights. Omnichannel Commerce Imagine and realize new customer experiences. Payment Engine Simplify global payments and offer more choice. Payment Optimization Grow revenue, lower costs, reduce risk. Integration Simplify integration and get to market faster. Heading Local PaymentsWallets Unlock revenue in markets that matter to you. Stored Value, Gift, and Loyalty Drive customer acquisition, retention, and loyalty. Currency Solutions Attract more customers and reduce cart abandonment. Pay by Bank Low-cost ACH payments without chargebacks. Payouts / Disbursements Deliver fast, more secure, cost-effective payouts. Online EBT Extend digital checkouts to all of your customers. Heading Fraud Mitigation Help reduce fraud losses and maximize acceptance. EncryptionTokenization Help secure your business with multiple layers of end-to-end protection. Alternative Credit Data Help approve more customers, and manage and reduce risk. Driving Growth for Retailers Learn more Payment Optimization Checklist Learn more Payment Optimization Checklist Learn more Who we serve Who we serve Retail Grocery Technology Gaming PlatformsMarketplaces Franchisors Developers Insights Country Selector Country Selector North America (English) Asia Pacific (English) Europe, Middle EastAfrica (English) Brazil (Português) Search Contact Us Payment Optimization Create better payment outcomes and customer experiences Increase approval rates while lowering transaction costs and reducing fraud. Take control of commerce with scalable technology and data intelligence that is unique to Fiserv. Get startedThe next generation platform to drive more commerce Carat is the global commerce platform from Fiserv that orchestrates payments and experiences for the world’s largest businesses. Get started Trusted by 70% of the world's leading brands Take control of commerce with scalable technology that enables you to imagine and realize new customer experiences Control CenterTake control of your business. Analyze performance and seek alpha with a single view of commerce across locations, regions, and operational segments. Consume your data real-time to access critical intelligence that can help make informed decisions to optimize commerce, grow revenue, reduce risk, and enhance customer experiences. Learn More Omnichannel ExperiencesImagine and realize new omnichannel customer experiences via a service orchestration layer that includes a full range of payment options and value-added services capabilities. Learn More Payment EngineTake the complexity out of payments so you can grow revenue and connect with customers in markets that matter to your business. Reduce the challenges of working with local schemes, regulations and compliance. Carat enables access to a broad range of global, local, and alternative payment methods with world-class encryption and tokenization techniques to help keep commerce secure. Learn More Payment OptimizationCreate better customer experiences with higher approval rates, while lowering transaction costs and reducing fraud. Take control of commerce with scalable technology and data intelligence that is unique to Fiserv. Leverage our own STAR and Accel debit networks to enable fast, secure and flexible transactions, positioning you to drive accountholder loyalty and meet consumer debit payment expectations. Learn More 01 03IntegrationOur integration and intelligent orchestration layer creates a unified payments, reporting, and boarding experience through your existing infrastructure. With less ongoing maintenance and fewer operational costs, you can focus on creating new ways for consumers to discover and interact with your brand. Learn More Ideas and inspiration Article Carat product principles and vision for 2024 Report The PayFac economy and the embedded payments revolution Article Navigating the challenges of omnichannel in retail Control Center Omnichannel Experiences Payment Engine Payment Optimization Integration Explore more solutions from Carat Local PaymentsWallets Pay by Bank Stored Value, Gift, and Loyalty Currency Solutions Payouts / Disbursements Online EBT Fraud Mitigation EncryptionTokenization Alternative Credit Data © 2024 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. Merchant services provided by First Data Merchant Services LLC, doing business as Carat, is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA; Deutsche Bank AG, New York, NY; PNC Bank N.A., Pittsburgh, PA; MVB Bank, Fairmont, WV; and Pathward, N.A., Sioux Falls, SD. About Fiserv Investors Careers Payments 101 Developers Contact Legal Privacy Notice Site Map Site Selector × Select Site Europe United Kingdom United States Canada(English) Canada(French) Asia Pacific Australia Hong KongMacau (English) Hong KongMacau (Chinese) India Malaysia Singapore South Korea Latin America Argentina Brazil Mexico Save my Preference...