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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
- Security & Fraud
- Payment Optimization
- Payouts / Disbursements
- Digital ACH
- 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
More Revenue, Optimized Transactions
Anywhere your consumer uses a card, help them link to a bank account. With one provider for ACH enrollment, payments and settlement services, streamline across all channels. Optimize funding with a warranty of funds and next-day funding.
Connect with Customers and Save
It only takes a customer 60 seconds to enroll. Merchants realize increased savings, enhanced customer engagement and more opportunities to drive loyalty.
By the Numbers
A glance at the type of anticipated results from eACH backed by TeleCheck platform data. Source: TeleCheck Platform Data
98
%30
%99
%Digital ACH Payment Channels
Design low cost payment channels to fit your business and customer needs under a warranty of funds, without chargebacks and next-day funding. Link customer bank account payments to everything from loyalty cards and payment fobs to a variety of IOT enabled devices. Also accept ACH on file for recurring payments.
Point of Sale
Online
Mobile Apps
At the Pump
Recurring
Easily Enroll Consumers
One time, low friction customer enrollment enables access for easier payments of all types. Allow your customer to use their banking login for app-based consumer facing forms for ACH on-file enrollment, validation and updates.
Optimize Payment Authorization and Cost
- National Grocer Success Story
- Consumer Success Benefits
- Retailer Success Benefits
30%
Savings Re-invested in Customer Loyalty2
we partnered with a leading national grocery chain to provide an electronic ACH solution for consumers to pay in-story, at the pump and with the mobile app.
Program savings and our loyalty program integration resulted in a value-add for customers to decrease payment costs.
2. Source: TeleCheck platform, Fiserv, Internal reporting 2019
One
One Low Friction App Enrollment
Consumers enroll one time and can use loyalty ID or phone number to access their account each time they shop.
More loyalty points are earned by customers as they use the app for each transaction.
Every
Virutally Every Consumer Payment Use Case is Supported
Electronic ACH enables low-cost, real-time authorized payments, no interchange, no chargeback liability.
Complement existing loyalty programs and generate savings to ease funding for loyalty benefits.
End to End in One Easy Integration
Developer-Friendly ACH On-File Solution
Customers use the ConnectPay Mobile ready SDK and are provided with an ACH Payment Token. Add-Mobile Integration Offerings: iOS, Android, Web
View the power of our SDKs in our Enterprise Merchant Guide.
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.
Turn Payments Into a Competitive Advantage
Our dedicated solutions engineers work with you to understand your business needs and how to best leverage our intuitive, secure, and industry leading products to help you grow.