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    Commerce Solutions - Carat
    • Create payment experiences that help drive more commerce.

    • Omnichannel Solutions
    • eCommerce Solutions
    • Global Currency Solutions
    • B2B Payments
    • Payment Facilitator & Marketplaces
    Value Added Solutions
    • Secure commerce and optimize payment and payout strategies

    • Security & Fraud
    • Payment Optimization
    • Payouts / Disbursements
    • Digital ACH
    • Alternative Credit Data
    Prepaid Solutions
    • Innovate and streamline gift and payroll card programs.

    • Gift Solutions
    • Payroll Card Solutions
    • Incentives & Rewards
    • Small Business Solutions
    • Clover POS
    • Partner Solutions
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Payment Facilitator & Marketplace

Payment Facilitator & Marketplace

Frictionless payment processing with value-added services that help increase
your sub-merchant or seller base across the globe.

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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.

  • Flexible Funding
  • Fast Onboarding
  • Global Reach
  • Added Value
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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.

  1. PFAC Single MID Program
  2. PFAC Multi MID Program
  3. Marketplace

Single MID


Streamlined services designed to meet card brand guidelines where the Payment Facilitator has a single MID.

Multi MID


Payment Facilitator and sub-merchants have individual MIDs. We pass the needed data to the card brands while you use the gateways and terminals best suited to your needs.

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.

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Underwriting

Underwriting

Underwriting

Underwriting Financial analysis and risk assessment to help mitigate risk

Routing Optimization

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

Security & Fraud

Best-in-class solutions that help detect fraud and protect data

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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.

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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.

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Scalable Solutions for Modern Commerce

Turn payments into a competitive advantage. Our comprehensive portfolio of global, end-to-end solutions are designed to help you grow revenue, increase efficiency and build customer loyalty.

Large Business Solutions 

  • Enterprise eCommerce
  • Global Acquiring
  • Digital Disbursement
  • Universal Commerce
  • Authorization Optimisation
  • Local Payment Methods
  • Security & Fraud
  • Reporting & Analytics
  • Omni-Channel Debit Routing
  • International Currency
  • Network Branded Prepaid Cards
  • Physical & Digital Gift Cards

Explore Fiserv Merchant Solutions

  • Carat
  • Payment Optimization
  • Omnichannel Solutions
  • eCommerce Solutions
  • Security & Fraud
  • Payouts / Disbursements
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© 2021 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Metabank, N.A, Sioux Falls, SD.

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