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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
- Payment Methods
- Payment Optimization
- Security & Fraud
- Payouts / Disbursements
- Pay by Bank Account
- 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
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Grow and Optimize
with New
Technologies
Grow and expand your mid-sized business while delighting your customers with a seamless, integrated payment experience in-person and online. Keep up with enterprise-level competitors while breaking down barriers to growth.
Industry Enabling
Solutions
Deep experience and innovation across all levels of commerce, via every channel, makes Fiserv the perfect partner for mid-sized businesses. Quickly and easily address real, modern challenges with industry solutions positioned to help you grow quickly right now.
Restaurant
Seamless dine in/to go, order ahead, order at table, pay ahead, pay at table, and scan-to-pay solutions.
Accept Payments Seamlessly
With a variety of payment methods, help ensure customers all over the world have a seamless payment experience that is faster, more efficient and safer across multiple channels.
Payment Gateway
Easily accept eCommerce and virtual terminal payments with a frictionless purchasing experience.
Contactless Payments
Help ensure your customers’ payments are faster, more efficient and safe.
Global Currency Solutions
Allow clients to pay in their home currency. Easily expand your reach to new global markets.
Drive More Sales
In-Store and Online
Encourage interested shoppers to become purchasers by breaking down their barriers to buying. By offering buy now, pay later solutions and gift solutions, we help you measurably increase sales.
Split Payments
Capitalize on shoppers’ drive to buy now by offering the flexibility of split payments. You get paid in full, immediately.
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Digital & Physical Gift Cards
Reach, brand, recognize and reward instantly to drive growth across all channels.
Learn MoreIncrease Approval Rates and Lower Payment Costs
Maximize your approval rates, reduce your interchange costs, and offset credit processing fees to help lower costs.
Interchange Optimization
Interchange Optimization
Automatically compute the sales tax portion of eligible transactions.
Surcharging
Surcharging
Offset credit card processing fees by adding a percentage fee at checkout to credit card transactions.
Authorization Optimization
Authorization Optimization
Help your online business maximize approval rates.
Manage Chargebacks and Data Security
Help protect customer information and reduce fraud losses without compromising your customer experience. Reach out to us to help select the right security and fraud solutions for your needs.
Help Secure Customer's Information
Help secure PII with end-to-end encryption and tokenization. Remove sensitive data from your environment to help reduce PCI compliance scope.
Prevent, Detect and Resolve Fraud
EMV 3D Secure analyzes contextual and historical data. Help identify and block fraudulent transactions and reduce chargebacks.
Digitize Operations for Cost Savings
Streamline business tasks with digital tools to improve overall efficiency and easily handle back-office operations.
Streamline the B2B Payment Process
Improve your A/R and A/P processes with a cloud-based portal offering a range of features, including easy integration with ERP systems.
Simplify Electronic Payment Delivery
Simplify payment delivery and easily onboard new employees with digital payroll direct to a prepaid card. Leverage our app, digital checks, and offer underbanked employees better account management.
