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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 Revenue Through Innovation
14 of the top 20 global brands use us to power their digital commerce experiences. Our omni-channel technology, industry expertise and actionable data insights create a unified customer journey that helps drive loyalty and revenue growth.
A Seamless Connection to Outpace Consumer Expectations
In today's connected world, merchants need to delight their customers across the full digital landscape. We offer a seamless customer experience across channels through a single integration.
Ongoing Value & Rewards
On-Demand Fulfillment
Frictionless, Anywhere, Real-Time
Personalized Service
Memorable Experiences
Accept More Contactless Payment Options
Expand your channels with commerce innovation that provides safety, security and streamlined payments.
Curbside Pickup
Curbside Pickup
Offer Safety and Security
Maximize opportunities by allowing customers to safely and securely order and pay ahead, then pick up at your location. Transform your parking lot into serviceable spaces with seamless curbside experiences.
- Leverage existing app or Clover
- Safe and secure checkout experiences for everyone
- Integrate loyalty programs
Voice Commerce
Voice Commerce
Capture Hands-Free Purchases
Streamline the way consumers make purchases. Deliver hands-free, multi-channel experiences across the entire shopping journey.
- Simplify the process for frequent purchases
- Get ahead of commerce trends
- Allow consumers to make purchases while multi-tasking
Scan and Go
Scan and Go
Create Innovative Convenience
Allow customers to scan, add items and checkout without having to stand in line. Increase customer satisfaction while diversifying your channels with innovative new experiences.
- Neutralize issues with lines, payment speed and acceptance
- Increase shopping insights with access to more data
- Helps eliminate the need to search for CPU codes
Increase Safer Orders with Online EBT
Expand your online purchasing customer base and order size. Securely accept Electronic Benefit Transfer (EBT) payments across connected devices with our easy integration to your existing EBT programs. Innovators in this technology, we are enabling this technology in each state as Online EBT becomes available.
Partnering for Success
- QSR
- Grocery/Retail
- Petro
$48M
Revenue Growth
We helped increase mobile ticket size by 30% for a large, taco-loving QSR, resulting in $48 million in revenue.*
*Individual results may vary.
$100M
Revenue Growth
We helped increase average ticket size for a large grocery chain that moved orders to new digital apps, resulting in over $100 million in revenue.*
*Individual results may vary.
$7.5M
Cost Savings
We helped reduce mobile fraud for a petro giant by 33%, resulting in $7.5 million in cost savings.*
*Individual results may vary.
Power New Experiences for Unlimited Opportunities
Design revenue-generating customer experiences that focus on your brand. Tap into 300 million connected consumers through our commerce ecosystem.
Use Case — Driving home and low on gas.
Power of partnerships: Leverage emerging automotive and IoT capabilities, plus the merchant ecosystem, to create seamless omni-channel experiences.
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Customer finds nearby gas station through vehicle head unit or mobile app
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Drives to gas station, breaking geo-fence
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Vehicle or mobile device retrieves and displays site info (pump #s, loyalty offers) through head unit or mobile app
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Customer selects pump, applies fuel rewards and pays for gas with vaulted card
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Ability to purchase inside store using mobile app
Tell Us Your Vision. We'll Bring the 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.
Scalable Solutions for Modern Commerce
Turn payments into a competitive advantage. Our comprehensive portfolio of global, end-to-end solutions are designed to help you grow revenue, increase efficiency and build customer loyalty.
