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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 for Enterprises

eCommerce for Enterprises

Create seamless online payment experiences anywhere, anytime, and on any device - with the biggest servicer in the world.

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Say Hello to Global Digital Commerce

Start accepting payments quickly and easily with a payment technology stack that’s trusted by 7 of the top 10 largest global digital merchants. With our eCommerce platform, ensure a seamless customer experience across channels through a single integration while optimizing and managing performance.

  • Revenue Growth
  • Payment Optimization
  • Simple Integration
  • Global Reach
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Drive More Commerce

Grow revenue and increase profitability through a suite of value-added enterprise eCommerce and omni-channel solutions that intuitively optimize every step of the payment value chain, strengthening the relationship with your customers.

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Omni Commerce

Omni Commerce

Omni Commerce

Experiences that Drive Revenue

Our technology and relationships create unified customer journeys that help drive loyalty and revenue growth. Create contactless experiences across all payment methods, channels, devices and partners, on a global scale.

  • Powering 14 of the top 20 global brands
  • Single integration consolidates hundreds of services
  • Business optimization and secure customer engagement
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Installment Payments

Installment Payments

Installment Payments

Increase Spending Power

Online or in-store, enable customers to split purchases into four installment payments over six weeks. You get paid today, and your customers pay in equal installments of 25% deducted from their linked payment card.

  • Increase conversion rate, topline sales and average basket size
  • No point of sale or eCommerce API integration required
  • Supports customer spend of up to $1,000
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Dynamic Pricing

Dynamic Pricing

Dynamic Pricing

Reach New Customers, Globally

Allow online consumers across the world to shop in their own currency without hidden charges or fees. Dynamic Pricing is an easy way for merchants to offer multi-currency pricing in over 70 currencies.

  • Reduce cart abandonment and increase sales conversions
  • Dynamically set pricing unique to specific geographic markets
  • Helps eliminate exposure to foreign exchange rate risk
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Optimize Payment Authorization and Cost

Intelligent transaction technology helps you grow revenue and minimize costs while enhancing customer satisfaction.

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Increase Revenue, Maximize Approval Rates

Authorization Optimization can help your online business increase revenue and reduce passive churn. By combining machine learning and partnerships with card brands and issuing banks, we drive the highest approval rates in the industry.

  • Identify trends and transaction patterns utilizing data science
  • Recoup and prevent declines with best-in-class AI technology
  • Update card-on-file and recurring payments information in real time
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Support Debit Growth, Optimize Routing Costs

Our proprietary dynamic routing engine delivers secure, end-to-end debit solutions for in-store, online and mobile payments. We help merchants optimize cost of acceptance, grow revenue and enhance customer loyalty.

  • Average savings of 25 – 45 BPS on debit transaction costs1
  • Real-time reporting and analytics to track performance and trends
  • Cost-optimized routing across virtually all U.S. networks
Download Data Sheet

1Fiserv statistic based on client results. Individual results may vary.

Simple, Comprehensive Integration

Capitalize on online payments opportunities. Whatever your business needs, our developer friendly portal and single, global integration make it simple. Create and deliver secure, feature-rich, and omni-channel checkout experiences through a single entry point.

 

Check Out Our Developer Portal

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Wearable smart watch
Smart Home
Smart speaker
Smart Car Dashboard
GPS navigation
Mobile Phone
Checkout page on smartphone
Desktop
eCommerce website on laptop

Broad, Immediate Global Reach

Expand into new markets quickly, offer your customers high demand local payment methods, and leverage our in-country multi-currency expertise.

+

Global markets

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Local payment methods and settlement currencies

Client Case Study

We recently helped a multi-national tech giant create a seamless global experience:

40

Countries launched

90

Days from implementation go-live

160

+

Local payment methods

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

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.

Large Business Solutions
  • Universal Commerce
  • Global Acquiring
  • Digital Disbursements
  • Payments Facilitator
  • Authorization Optimization
  • Local Payment Methods
  • Security & Fraud
  • Reporting & Analytics
  • Omni-Channel Debit Routing
  • International Currency
  • Network Branded Prepaid Cards
  • Physical & Digital Gift Cards

Discover and Share Global Digital Commerce Ideas

Woman wearing headphones

Global Digital Commerce

5 Trends for Digital Commerce in 2019

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Global Digital Commerce

Reduce Passive Customer Churn with Authorization Optimization

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Global Digital Commerce

Democratization of Digital Commerce

Three people on smartphones

Global Digital Commerce

Digital Commerce in Latin American Markets

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Global Digital Commerce

Meeting Expectations Through Digital Disbursements

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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