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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
High Performance Results*
A QSR
74% reduction in chargebacks
A Petrol Client
64% reduction in chargebacks
A Retail Client
72% reduction in chargebacks
Average Fraud Rate
1.49%
Fraud Risk Mitigation Solution
Customer centricity and link analysis maximize valid sales by acting to increase transactions with viable customers while blocking individuals and networks that cause chargebacks.
Fraud Detection
Use machine learning capabilities to allow you to reduce fraud losses and maximize customer acceptance. Industry leading link analysis maps the entire customer universe to uncover fake accounts and fraud rings.
EMV 3D-Secure Authentication
Enriching the data provided allows the issuer to make a more informed decision and increase authentication rates. This increased security provides a better overall checkout experience with less friction. Most importantly, this shifts chargeback liability away from the merchant.
Smarter Fraud Detection Tools to Learn Your Unique Models
Beyond the benefits of global or industry standard data, Fraud Detect isolates and learns from your data. This approach not only provides unrivaled performance, you can learn from visibility into the breakdown data behind fraud scores and models.
Comprehensive
Dashboard
Customer
Centricity
Merchant Specific
Models
Link Analysis
Machine Learning
Easily Integrate Fraud Mitigation
A full panel of integration possibilities offer abilities like a single call for processing and Fraud Mitigation, automatic chargeback data inclusion due to the processing relationship and many other benefits.
Omnichannel Integration
Omnichannel Integration
Integrate Fraud Mitigation within the Carat Omnichannel Commerce Ecosystem.
Gateway Driven Integration
Gateway Driven Integration
Integrate Fraud Mitigation with the Fiserv Gateway.
API Driven Integration
API Driven Integration
Integrate Fraud Mitigation within the First API specification.
Take a Proactive Approach to
Safeguard Your Brand
$130B
Retailer loss in digital card-
not-present fraud by 2023 1
$9.6B
Annual spend in fraud
protection by online retailers
by 2023 2
$71B
Forecasted retailer loss to card-not-present fraud by 2022 3
Contact Us
Our sales team is available to answer any of your questions at a time that works best for you.
*Results located above describe implementation metrics comparative to current and former providers.
Sources: 1: Juniper Research, Online Payment Fraud 2020 Research Report; 2: LexisNexis, Risk Solutions 2020 True Cost of Fraud Study; 3: Juniper Research, Press Release 2017.