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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
Increase Profits with Intelligent Payouts
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 Options
Provide your customers or employees with unmatched choice by offering exclusive digital payout options across the U.S. and Europe. Leverage our direct connections and extensive partnerships with top-tier banks.
Debit Card
Prepaid Card
Digital Wallet
Social Payment
Direct Deposit
Create Seamless User Experiences
Let your customers or employees pull down earned funds quickly and easily in five seconds or less.3 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 wires
Consumer Demand for Digital Payments
44
Of U.S. customers are willing to pay for an instant payout
70
Of U.S. consumers prefer instant payouts
25
Reduction in payment status inquiries
Versatile Digital Disbursements Results
We help create excellent payout 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 and 50% Direct to Debit
By integrating into our electronic disbursements portal, the U.S. federal agency and U.S. Treasury could disburse funds in real-time.
Recipients could receive funds by selecting from their preferred payout options.
40%
Reduction in Call Center Volume
A gig-economy client was able to offer more payout options to drivers by integrating into our disbursement API. They took advantage of our reliable, direct network connections to help virtually eliminate delayed or incomplete payouts.
They also 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 services and set up services to quickly fund Money Network® payroll cards, enabling contactless payouts.
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, mitigate risk and build loyalty. Let us manage the complexities that come with remaining compliant and securing digital payouts. You can focus on staying connected to your employees and customers.
Blue security lock shield icon Security & Fraud
Tokenize payment data and authenticate recipients to help protect consumer data and fight fraudsters.
Compliance Services
KYC, AML, OFAC, bad actor screening and card industry blacklist filter services help mitigate risk.
Communications
Configurable communication preferences, messages and branding seen by your customers and employees.
Complete Payout Workflow Automation
Simplify your operations and reduce the potential for human error. Integrated business operations help to streamline payout experiences and increase operational efficiency.
Automated by Fiserv, Manual for Other Providers
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.
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.
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1. Source: Aite Group. 2. Source: Internal Date. 3. Payout times may vary. 4. Source: Client Provided Data