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Merchant Solutions
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Commerce Solutions - Carat
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Create payment experiences that help drive more commerce.
- Omnichannel Solutions
- eCommerce Solutions
- Global Currency Solutions
- B2B Payments
- Payment Facilitator & Marketplaces
Value Added Solutions
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Secure commerce and optimize payment and payout strategies
- Payment Methods
- Payment Optimization
- Security & Fraud
- Payouts / Disbursements
- Pay by Bank Account
- Alternative Credit Data
Prepaid Solutions
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Innovate and streamline gift and payroll card programs.
- Gift Solutions
- Payroll Card Solutions
- Incentives & Rewards
Introducing Carat Omnichannel Ecosystem
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- Resources
- Clients
- Partners
- Developers
Say Hello to Global Revenue
We help any size payment facilitator or marketplace provide sub-merchants and sellers with flexible shopping experiences across any device, through a single-source, globally. Our expertise, value-added services and fast onboarding can help you provide best-in-class solutions for more commerce.
Single Source Funding & Payouts
One global contract with a single integration gives you access to the most comprehensive funding and payout options. With instructional funding, you tell us how to pass on the payment to your sub-merchant or sellers and we take care of the rest.
Fast, Flexible Onboarding & Management
Sub-merchant or sellers can often be onboarded in under five minutes with program options designed to cater to the unique needs of your business. Our product-engineers work with you to build out a solution that drives revenue.
- PFAC Single MID Program
- PFAC Multi MID Program
- Marketplace
Single MID
Streamlined services designed to meet card brand guidelines where the Payment Facilitator has a single MID.
Multi MID
Marketplace
Single merchant of record with frictionless seller onboarding and funding designed to meet card brand guidelines and connect with consumers.
Expansive Global Processing
Help your sub-merchants or sellers go global and win internationally with our unmatched worldwide coverage.
40+ Global markets
Top 3 local payment methods in relevant eCom markets
140+ Currencies
Performance-Built Value Adds
Help grow revenue and increase profitability through a suite of value-added solutions that intuitively optimize and protect every step of the payment value chain, strengthening the relationship with your customer base.
Underwriting
Underwriting
Underwriting Financial analysis and risk assessment to help mitigate risk
Routing Optimization
Routing Optimization
A powerful dynamic routing engine that intelligently routes between direct network connections, saving interchange and assessment expenses.
Security & Fraud
Security & Fraud
Best-in-class solutions that help detect fraud and protect data
Actionable Reporting & Analytics
Our portals help you and your sub-merchants or sellers better understand every stage of the payment life cycle, fast-track reconciliation and manage funding flows by visually interpreting and analyzing data. Get better insights into your business operations, so you can focus on your customers.
PFAC or Marketplace Reporting Portal
Analyze and manage chargebacks, returns, funding, processing volumes and more with a 24/7 web-based service. Gain detailed insights into sub-merchant or seller activity with customizable drill-downs and reports.
Sub-Merchant or Seller Reporting Portal
Help your customers gain visibility into critical components of their business with our 24/7 white-labeled sub-merchant or seller portal. Provide the flexibility to visually interpret and analyze transactional data, funding flows, account history, verifications, transfers and more.
Tell Us Your Vision. We'll Bring the Solution.
We will work with you to understand your business needs and show you how to best leverage our solutions to make your vision a reality.