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Drive More Commerce

Carat is a connected omnichannel ecosystem for large businesses that enables more secure commerce across any channel.

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Imagine and Realize New Customer Experiences

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Harness Global and Local Expertise

Slide Controls 1 of 3 Omnichannel Ecosystem
Slide Controls 2 of 3 Commerce Innovation
Slide Controls 3 of 3 Proven Results

Experience the Carat effect

01

Engage More Customers

Engage More Customers
01

Engage More Customers

Optimize online and in-store conversions and increase foot traffic.

Learn More
02

Accept More Payments

Accept More Payments
02

Accept More Payments

Allow your customer to shop and pay any way, anywhere.

Learn More
03

Optimize Commerce

Optimize Commerce
03

Optimize Commerce

Improve payment outcomes and reduce risk.

Learn More
01

Engage More Customers

Engage More Customers

Optimize online and in-store conversions and increase foot traffic.

Learn More
02

Accept More Payments

Accept More Payments

Allow your customer to shop and pay any way, anywhere.

Learn More
03

Optimize Commerce

Optimize Commerce

Improve payment outcomes and reduce risk.

Learn More

Partner with the global commerce leader

As the world’s number one merchant acquirer, with the greatest selection of commerce solutions, we work with the largest global businesses.

70%

of the largest corporate brands1

90%

of the largest grocers1

60%

of the largest QSRs1

Proven results working with the world’s most successful brands

Adidas

Customer Engagement

Google

Google

Omnichannel Commerce

American Airlines Arena

American Airlines Arena

Omnichannel Commerce

Microsoft

Microsoft

Payment Optimization

Church's Chicken

Consumer Engagement

Fanatics

Omnichannel Commerce

Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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First slide

We helped our client, a multinational sports apparel retailer, deploy hyperlocalized experiences in three countries and two languages, which increased online engagement and revenue.

Second slide

Delivered Capabilities and Benefits

Streamlined customer communication during COVID-19

Provided real-time capabilities on store closures/openings, safety precautions and special services

Locally-targeted offers to drive store sales

Provided a way to generate new opportunities to drive targeted foot-traffic for stores that needed it most

Created the sense of local community for online shoppers

Helped customers discover local trends, specific to their community and local market

Third slide

“From fully optimizing search and website usability, to supply chain excellence, to offering apps that will streamline and speed up the shopping experience, the focus is on making use of the very latest technology.”

adidas Executive

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Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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First slide

Our client and partner was looking for an omnichannel partner to expand their digital wallet footprint, create innovative checkout experiences, and optimize their payments performance.

Second slide

Delivered Capabilities

Modern Integration

Single access to Carat merchant ecosystem and market-leading commerce solutions across existing merchant apps, locations and channels

Merchant Ecosystem

Leveraged modern adaptors to quickly connect the next generation of Google Pay to digital and physical site locations

Payment Optimization

Improved bank approval rates and lowered transaction costs

Third slide

Client Benefits

11K New Pay at Pump Locations

Seamlessly integrated the innovative next generation of Google Pay with a leading, national petro merchant

Six Percent Higher Approval Rate

Improved average payment acceptance rate for large merchants

New Commerce Experience

Drove customer satisfaction, acquisition, and retention with safer, touchless checkout experience

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Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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First slide

Our client is a sophisticated, data driven merchant with a clear focus on optimizing around customer experience and improving payment economics.

Second slide

Delivered Capabilities

Global merchant acquiring

Across North America, EMEA and APAC regions, with multiple currency and settlement support

Authorization optimization

With real-time card account updater

Debit routing

Improved bank approval rates with lower costs

Third slide

Client Benefits

Expanded global reach

Satisfying increased market demand for the client’s services

Focus on approval rates

Improved customer experience and more revenue captured

Payment optimization

Reduced cost of payment acceptance by driving U.S. transactions to lower cost debit networks

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Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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First slide

Our client needed the ability to securely accept global payments, offer gift cards and efficiently pay employees.

Second slide

Delivered Capabilities

Core acquiring capabilities

Frictionless payment processing

Electronic payroll and prepaid

Physical and digital gift cards, efficient payroll delivery and more

Clover POS solution

Mobile and pop-up locations expand payment options, encourage purchases

Third slide

Client Benefits

Payroll enablement in 45 days

Scaling temporary labor to meet demand

30+ countries in 60 days

Rapid pre-holiday launch grew business internationally

Increased customer loyalty

Marketing programs help increase basket size and build brand affinity

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Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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Second slide

We helped our client drive a significant increase in online order conversion by instantly connecting customers with the right restaurant at the right time.

First slide

Delivered Capabilities and Benefits

Locally-targeted experiences for mobile customers

27% increase in online conversion for digital orders (pick-up and delivery orders)

Streamlined ordering and more visits to nearby restaurants

Over 10% increase in digital revenue attribution

Second slide

Delivered Capabilities and Benefits

Local-only specials and franchise-specific menu items

65% engagement led to conversion

Deployment of guest messaging per location

Rapid communication of valuable information to loyal customers during COVID-19

Third slide

"More than 85% of our website visitors are on mobile and Radius8’s ability to surface the local store and reduce the clicks to order for the consumer has increased our visibility and sales conversion. The deployment was easy and my team can push out new content and local updates whether it be promotions or store status."


Church’s Executive

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Adidas Google American Airlines Arena Microsoft Church's Chicken Fanatics
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First slide

Our client needed an integrated, cloud-based POS to help accelerate consumer throughput and create new touchless experiences.

Second slide

Delivered Capabilities

POS devices

Clover Station, Mini and Flex facilitate quick and seamless payments

Processing and payment security

Ordering made secure and easy so fans don’t miss the action

Purpose-built software

Bypass Mobile provides menu management, order management and more in one place

Third slide

Client Benefits

28 percent revenue increase

Average top-line growth, plus 22 percent increase in orders1

38 percent faster

Transaction speeds1

Improved customer satisfaction

Touchless will become the norm in a post-COVID19 world

Source: 1Fiserv and client-provided data; individual results may vary

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Unlock revenue through innovation

Collaborate with our global and local experts to imagine and realize new customer experiences. Explore recent innovations in QSR, Grocery, Hospitality, Insurance, and Petro.

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Omnichannel Payments

Enabling hoteliers to accept omnichannel payments securely with consistent reconciliation and reporting across international properties

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Localized Promotions

65% increase in online conversions2

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Digital Collections

Processing subscriptions and insurance premium collections securely with bulk authorizations

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Voice Commerce

11,500 Exxon Gas Stations now accepting “Alexa, Pay for Gas”2

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Create More Unified Commerce

Our single-source commerce engine makes the process seamless, effortless, and more secure. With developer-friendly, flexible communication standards, unified APIs, and pre-certified integrations our powerful tech ecosystem reduces development time and accelerates speed to market.

Commerce Solutions

Stay ahead of changing payment trends by accessing a pre-integrated suite of proven technologies to deliver for your customers:

  • Omnichannel Commerce
  • Payment Methods
  • Payment Acceptance
  • Customer Engagement
  • Payment Optimization
  • Encryption & Tokenization
  • Reporting & Analytics

Plug-Ins

Leverage major third-party platforms from around the world. From social apps to the internet of things, voice to travel-enhanced apps and more, we help you accept payments via every conceivable platform.

  • Pre-certified third-party integrations
  • Out-of-the-box adaptors
    for new integrations

Single Entry Point

A single entry point and intelligent orchestration layer creates a unified payments, reporting, and boarding experience through your existing infrastructure. With less ongoing maintenance and fewer operational costs, you can focus on creating new ways for consumers to discover and interact with your brand.

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Our sales team is available to answer any of your questions at a time that works best for you.
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Sources: 1) Internal data based on client lists, 2) provided by clients and validated with internal resources

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© 2023 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 Pathward, N.A, Sioux Falls, SD. The solutions and offerings outlined under Carat may differ by jurisdiction. Please contact us to learn more about Carat solutions for your business.

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