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    Commerce Solutions - Carat
    • Create payment experiences that help drive more commerce.

    • Omnichannel Solutions
    • eCommerce Solutions
    • Global Currency Solutions
    • B2B Payments
    • Payment Facilitator & Marketplaces
    Value Added Solutions
    • Secure commerce and optimize payment and payout strategies

    • Security & Fraud
    • Payment Optimization
    • Payouts / Disbursements
    • Digital ACH
    • Alternative Credit Data
    Prepaid Solutions
    • Innovate and streamline gift and payroll card programs.

    • Gift Solutions
    • Payroll Card Solutions
    • Incentives & Rewards
    • Small Business Solutions
    • Clover POS
    • Partner Solutions
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    Introducing Carat Omnichannel Ecosystem

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Universal commerce

Omni-channel Commerce

Create unique, frictionless consumer experiences across virtually all payment methods, channels, devices and partners - on a global scale.

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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.

  • Outpace Expectations
  • Contactless Payments
  • Partner for Success
  • Simple Integration
  • Power New Experiences

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.

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Curbside Pickup

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
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Voice Commerce

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
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Scan and Go

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
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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.

 

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Partnering for Success

  1. QSR
  2. Grocery/Retail
  3. 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.

 

 

Customer finds nearby gas station through vehicle head unit or mobile app

1

Customer finds nearby gas station through vehicle head unit or mobile app


Drives to gas station, breaking geo-fence

2

Drives to gas station, breaking geo-fence


Vehicle or mobile device retrieves and displays site info (pump #s, loyalty offers) through head unit or mobile app

3

Vehicle or mobile device retrieves and displays site info (pump #s, loyalty offers) through head unit or mobile app


Customer selects pump, applies fuel rewards and pays for gas with vaulted card

4

Customer selects pump, applies fuel rewards and pays for gas with vaulted card


Ability to purchase inside store using mobile app

5

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.

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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.

Large Business Solutions
  • Enterprise eCommerce
  • Global Acquiring
  • Digital Disbursements
  • Payments Facilitator
  • Authorization Optimization
  • Local Payment Methods
  • Security & Fraud
  • Reporting & Analytics
  • Omni-Channel Debit Routing
  • International Currency
  • Network Branded Prepaid Cards
  • Physical & Digital Gift Cards

Discover and Share Global Digital Commerce Ideas

woman with headphones

Global Digital Commerce

Accelerating the Rise of Digital Commerce

woman in city

Global Digital Commerce

Enabling Safer, Contactless Checkouts for All

woman wearing a hat

Global Digital Commerce

Safely Sell in More Ways with Curbside Pickup

industry trends

Global Digital Commerce

Maximize Sales with Fast and Secure Checkout Experiences

Authorization Optimization

Global Digital Commerce

Reduce Passive Customer Churn with Authorization Optimization

Explore Fiserv Merchant Solutions

  • Carat
  • Payment Optimization
  • Omnichannel Solutions
  • eCommerce Solutions
  • Security & Fraud
  • Payouts / Disbursements
FirstData is now Fiserv.
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© 2021 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Metabank, N.A, Sioux Falls, SD.

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