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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
Tech-Forward Solutions. Tangible Performance Improvements.
Deliver payment transaction security to provide comprehensive data security, help grow revenue and increase customer retention.
Multi-layer Protection for Every Aspect of your Business
Protect
Help protect transactional data and customers’ personal data from being exposed?
Prevent
Help prevent PCI non-compliance by requesting guidance on complexity of security measures.
Detect
Help detect and resolve fraudulent activities before financial or reputation damage occurs.
Constant Global Threats Require Innovative Strategies
Million records exposed in data breaches
Data breaches continue to accelerate, harming consumers and merchants.1
Of merchants are PCI non compliant
Too many merchants are non-PCI compliant, with monumental business risk.2
Growth in PII exposed by data breaches
More volumes of data and more types of sensitive data are on sale on the dark web.3
Fraud losses expected worldwide in 2020
Fraudsters increasingly focusing on card not present vulnerabilities.4
Hear From a Few of the 1.62 Million Merchants Being Protected by Us
- QSR
- Retail
- Mass Merchant
$452K
Monthly gift card sales protected for a digital QSR client
$400K
Chargebacks prevented in 30 days for a high performance online retailer
80%
Fraudulent transactions identified before they happened for a digital mass merchant
Comprehensive Capabilities That Help Accelerate Revenue
Our solutions help ensure your revenue is protected so you can stay competitive, focus on your core value and drive loyalty.
Encryption & Tokenization
Encryption & Tokenization
TransArmor’s multi-layered, end-to-end solutions help protect your most vital asset, your customers’ data.
Fraud Mitigation
Fraud Mitigation
Fraud Detect® solution leverages machine learning technology to adapt to changes and trends using real-time analysis.
Regulation & Compliance
Regulation & Compliance
Resources to help securely process payments, reduce risk for data security and privacy, and help meet compliance requirements.
TransArmor
Secure systems with end-to-end data protection
By using the TransArmor® P2PE validated solution you are removing sensitive data from your environment and help ensure reducing PCI compliance scope. This enables you to cut operational costs and ensure an improved customer experience.
Fraud Detect
Reduce the overall exposure and cost of fraud
Fraud Detect helps ensure you accurately identify fraudulent transactions (friendly fraud and account take over) in real time and ensure that your good customers have a frictionless experience.
PSD2
Stay ahead of regulatory and compliance mandates
We continually invest in tools and technology to help you maximize efficiencies when keeping up with regulatory compliance helping you avoid costly penalties.
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.
