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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
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.
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.
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
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
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
Optimize Payment Authorization and Cost
Intelligent transaction technology helps you grow revenue and minimize costs while enhancing customer satisfaction.
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
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
1Fiserv statistic based on client results. Individual results may vary.
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.
Client Case Study
We recently helped a multi-national tech giant create a seamless global experience:
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+Contact Us
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.
