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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
- Support
- Partners
- Developers
Meet Gig Workers’ Expectations for Fast Funding
Increase Profits with Payout Solutions
Save time and money with a comprehensive digital payout solution that helps eliminate 60% of related business operating costs and reduces onboarding time.1 We disburse over $800M payouts a month via exclusive disbursement options and direct top-tier bank connections.2
Offer More Digital Payout and Pay-In Options
Provide your customers and employees unmatched choice by offering exclusive digital payout and pay-in options across the U.S. and Europe. Leverage our direct connections and extensive partnerships with top-tier banks.
Debit Card
Prepaid Card or Money Network
Digital Wallet
Social Payment
ACH or PDF Check
Create Seamless User Experiences
Let your customers or employees pull down earned funds quickly and easily in five seconds or less.2 Leverage our technology to improve your mobile or portal payout experience for single or mass payouts - including weekends, holidays and after hours.
Profit from Consumer Preferences
Instant access to funds is a part of bonding with consumers for the new normal. Technology and consumer demand have permanently accelerated digital payment adoption.
Less expensive than traditional checks and wires1
Consumer Demand for Digital Payments
44
%Of U.S. customers are willing to pay for an instant payout4
70
%Of U.S. consumers prefer instant payouts4
25
%Reduction in payment status inquiries5
Versatile Digital Disbursements Results
We help create excellent disbursement experiences for insurance claims, gig economy wages, gaming winnings, government funds and more. Learn about some results from a few of these industries below.
- US Treasury Success Story
- Gig Economy Success Story
- QSR Success Story
73K
Informant Payouts at 50% Direct to Debit
By integrating into our electronic disbursements portal, the US federal agency and US Treasury could disburse funds in real-time.
Recipients could receive funds by selecting from their preferred payout options.
Source: Fiserv and client-provided data.
40%
Reduction in Call Center Volume
A gig-economy client could offer more payout options to drivers by integrating into our disbursement API. They took advantage of our reliable, direct network connections to vitually help eliminate delayed or incomplete payouts.
They realized approximately $1.5M in acceptance and payout savings.
Source: Fiserv and client-provided data.
30K
Approximately 30K Prepaid Cards
Ready in One Week
A popular restaurant chain closed in-dining service and set up services to quickly fund Money Network payroll cards,
enabling contactless payments.
They also expanded their tip-to-card program allowing the restaurant to pay delivery employees.
Source: Fiserv and client-provided data.
Developer-Friendly, Flexible Integrations
Send payouts through the most popular channels to multiple recipients and create custom program configurations. Leverage a single API or portal-driven integration to ease implementation and create tailored consumer experiences.
Built-In Business Services
Simplify compliance, help mitigate risk and build loyalty. Let us manage the complexities that come with remaining compliant and securing digital payouts. You can focus on stayng connected to your employees and customers.
Security & Fraud
Tokenize payment data and authenticate recipients to help protect consumer data and fight frudsters.
Compliance Services
KYC, AML, OFAC, bad actor screening, and card industry blacklist filter services help mitigate risk.
Communications
Configure communication preferences, messages and branding seen by your customers and employees
Tell Us Your Vision. We Can Build a 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.
Digital Disbursement Ideas and Resources
Sources: 1. Client provided data. 2. Fiserv data. 3. Payout times may vary. 4. Aite Group. 5. Fiserv and client provided data.. 6. Ad source: PYMNTS.com