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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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    Introducing Carat Omnichannel Ecosystem

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    eCommerce Omnichannel Commerce Currency Solutions Payment Optimization Payouts Pay By Bank Prepaid Security & Fraud
Carat
  • How it Works
  • Case Studies
  • Solutions
    eCommerce Omnichannel Commerce Currency Solutions Payment Optimization Payouts Pay By Bank Prepaid Security & Fraud
  • Explore Fiserv

Carat Drives More Commerce

Our powerful omnichannel commerce solutions help companies reach untapped markets and expand globally without being limited by borders, currencies or old ways of thinking.

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Carat’s Omnichannel Commerce helps you:

  • icon Drive revenue growth & expand into new markets
    Drive revenue growth & expand into new markets
  • icon Grow at a global scale
    Grow at a global scale
  • icon Reduce Costs
    Reduce Costs

Carat delivers for your customers:

  • Unified shopping experiences
  • Greater control and payment choice
  • Access to multiple brands from one place

Create More Unified Commerce

Carat’s single-source commerce engine makes the process seamless, effortless, and secure. We’ve unified our suite of solutions into a powerful tech ecosystem so you can create commerce.

Commerce Solutions

Stay ahead of changing payment trends by accessing a pre-integrated suite of proven technologies to deliver for your customers:

  • Global Acquiring
  • Commerce Channels
  • Payment Optimization
  • Payment Methods
  • Payouts
  • Prepaid
  • Security & Fraud
  • B2B Payments
  • Data & Insights

Plug-Ins

We give companies the ability to work with any major third-party platform around the world. From social apps to the internet of things, voice to travel-enhanced apps and more, we help you accept payments via every conceivable platform.

  • More than 30 pre-certified
    integrations
  • Mobile-to-POS connectors
  • Out-of-the-box third
    party adapters

Single Entry Point

Always-on APIs enable more than 30 core and advanced features, including an intelligent routing and business logic layer. A common integration connects financial institutions, merchants, experience providers and more, so you can create a growing array of commerce possibilities.

We Work With The Most
Successful Brands in the World

We're constantly evolving our commerce ecosystem and enhancing our technology stack to keep our clients one step ahead in a fast-changing economy.

Fanatics

Fanatics

Our client needed the ability to securely accept global payments, offer gift cards and efficiently pay employees.

Explore Case Study

American

American Airlines Arena

Our client needed an integrated, cloud-based POS to help accelerate consumer throughput and create new touchless experiences.

Explore Case Study

Microsoft

Microsoft

Our client is a sophisticated, data driven merchant with a clear focus on optimizing around customer experience and improving payment economics.

Explore Case Study

dell

Google

Our client and partner was looking for an omnichannel partner to expand their digital wallet footprint, create innovative checkout experiences, and optimize their payments performance.

Explore Case Study

fanatic

Fanatics

Our client needed the ability to securely accept global payments, offer gift cards and efficiently pay employees.

Explore Case Study

American

American Airlines Arena

Our client needed an integrated, cloud-based POS to help accelerate consumer throughput and create new touchless experiences.

Explore Case Study

Microsoft

Microsoft

Our client is a sophisticated, data driven merchant with a clear focus on optimizing around customer experience and improving payment economics.

Explore Case Study

dell

Google

Our client and partner was looking for an omnichannel partner to expand their digital wallet footprint, create innovative checkout experiences, and optimize their payments performance.

Explore Case Study

fanatic

Fanatics

Our client needed the ability to securely accept global payments, offer gift cards and efficiently pay employees.

Explore Case Study

American

American Airlines Arena

Our client needed an integrated, cloud-based POS to help accelerate consumer throughput and create new touchless experiences.

Explore Case Study

Microsoft

Microsoft

Our client is a sophisticated, data driven merchant with a clear focus on optimizing around customer experience and improving payment economics.

Explore Case Study

google

google

Our client and partner was looking for an omnichannel partner to expand their digital wallet footprint, create innovative checkout experiences, and optimize their payments performance.

Explore Case Study

Previous Next
Google American Airlines Arena Microsoft Fanatics
Download PDF
First slide

Our client needed an integrated, cloud-based POS to help accelerate consumer throughput and create new touchless experiences.

Second slide

Delivered Capabilities

POS devices

Clover Station, Mini and Flex facilitate quick and seamless payments

Processing & payment security

Ordering made secure and easy so fans don’t miss the action

Purpose-built software

Bypass Mobile provides menu management, order management and more in one place

Third slide

Client Benefits

28% revenue increase

Average top-line growth, plus 22% increase in orders1

38% faster

Transaction speeds1

Improved customer satisfaction

Touchless will become the norm in a post-COVID19 world

Swipe Previous Next
Google American Airlines Arena Microsoft Fanatics
Download PDF
First slide

Our client needed the ability to securely accept global payments, offer gift cards and efficiently pay employees.

Second slide

Delivered Capabilities

Core acquiring capabilities

Frictionless payment processing

Electronic payroll & prepaid

Physical and digital gift cards, efficient payroll delivery and more

Clover POS solution

Mobile and pop-up locations expand payment options, encourage purchases

Third slide

Client Benefits

Payroll enablement in 45 days

Scaling temporary labor to meet demand

30+ countries in 60 days

Rapid pre-holiday launch grew business internationally

Increased customer loyalty

Marketing programs help increase basket size and build brand affinity

Swipe Previous Next
Google American Airlines Arena Microsoft Fanatics
Download PDF
First slide

Our client is a sophisticated, data driven merchant with a clear focus on optimizing around customer experience and improving payment economics.

Second slide

Delivered Capabilities

Global merchant acquiring

Across North America, EMEA and APAC regions, with multiple currency and settlement support

Authorization optimization

With real-time card account updater

Debit routing

Improved bank approval rates with lower costs

Third slide

Client Benefits

Expanded global reach

Satisfying increased market demand for the client’s services

Focus on approval rates

Improved customer experience and more revenue captured

Payment optimization

Reduced cost of payment acceptance by driving U.S. transactions to lower cost debit networks

Swipe Previous Next
Google American Airlines Arena Microsoft Fanatics
Download PDF
First slide

Our client and partner was looking for an omnichannel partner to expand their digital wallet footprint, create innovative checkout experiences, and optimize their payments performance.

Second slide

Delivered Capabilities

Modern Integration

Single access to Carat merchant ecosystem and market leading commerce solutions across existing merchant apps, locations and channels

Merchant Ecosystem

Leveraged modern adaptors to quickly connect the next generation of Google Pay to digital and physical site locations

Payment Optimization

Improved bank approval rates and lowered transaction costs

Third slide

Client Benefits

11K New Pay at Pump Locations

Seamlessly integrated the innovative next generation of Google Pay with a leading, national petro merchant

6% Higher Approval Rate

Improved average payment acceptance rate for large merchants

New Commerce Experience

Drove customer satisfaction, acquisition, and retention with safer, touchless checkout experience

Swipe Previous Next

Driving Innovation in
Global Commerce

Press Release

Fiserv Enables ExxonMobil to Facilitate Commerce Within Google Pay App

Read the Article

Press Release

Fiserv Enables SNAP Online EBT Payment Acceptance for Grocers

Read the Article

Press Release

“Alexa, Pay for Gas” Goes Live Nationwide

Read the Article

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Our sales team is available to answer any of your questions at a time that works best for you.




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