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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

Optimise 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

Optimise 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

Selecta

Omnichannel Commerce

Restaurant Brands International

Omnichannel Commerce

Adidas

Customer Engagement

Google

Google

Omnichannel Commerce

American Airlines Arena

American Airlines Arena

Omnichannel Commerce

Microsoft

Microsoft

Payment Optimisation

Tossing vegetables in a wok with flames

Wagamama

Omnichannel Commerce

Fanatics

Omnichannel Commerce

Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama Fanatics
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First slide

Selecta, the leading distributor of self-service food & beverage solutions in Europe, needed a single cashless payment provider for its unattended POS across 16 markets.

Second slide

Delivered Capabilities

Wide variety of payment choices

Acceptance of local and global payment choices with flexibility to integrate new payment options into the mix over time

Consolidated reporting

A single reporting portal for all countries and all acquirers

New terminal technology

Positive user experience, fast connection speeds, and ongoing terminal monitoring support to detect and correct any issues

Consultative engagement

A flexible, cross-market approach that encompasses all markets and new Selecta solutions

Third slide

Client Benefits

Geographic expansion

A successful rollout of new terminals across sixteen territories

Comprehensive visibility

Improved efficiency through combined reporting

Higher approval rates

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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama Fanatics
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First slide

Restaurant Brands International needed a provider capable of streamlining and future-proofing the payment services for three restaurant brands across EMEA, North America and LATAM.

Second slide

Delivered Capabilities

Omnichannel Integration

Across on-premises and eCommerce

Single, speedy point of entry

Allowing any brand in any market to get connected, fast

Local expert consultation

Offering expertise on POS expansion plans, local regulations and franchisee boarding

Third slide

Client Benefits

One point of contact

Streamlined account management with an experienced single global account manager with access to region-specific insight

Economies of scale

A global pricing model to significantly reduce duplication, churn, and costs, across the portfolio

Speed

Fast paced and seamless boarding for franchisees

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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama 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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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama 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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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama 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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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama 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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Restaurant server taking order on tablet

Restaurant chain wagamama were looking to increase UK and USA sales of their Gift Cards through an end-to-end and seamlessly integrated omnichannel solution.

Holding phone above contactless payment device

Delivered Capabilities

Multi-currency gift card processing

as a single provider across the UK and US

White-labelled eCommerce platform

enabling purchase of gift cards, reloads and balance checking

Gift card APIs

“Pay with Gift Card” & Click and Collect

Connectivity

to gift card malls and aggregators

Printing and fulfilment

of physical cards

Scanning QR code to pay at counter

How We Helped

Increased customer engagement

and gift card sales growth

Best in class processing

in restaurants and online

Increased gift card presence

across retail and B2B distribution channels

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Selecta RBI Adidas Google American Airlines Arena Microsoft Wagamama 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 realise new customer experiences. Explore recent innovations in QSR, Grocery, Insurance, and Petro.

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Localised Promotions

65% increase in online conversions

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Voice Commerce

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

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Create More Unified Commerce

Our expertise, our people, our technology and our proactive service combine globally and locally into a powerful ecosystem so you can create more commerce.

Industry Innovation

We have deep experience and an eye on the future across industries. Whether that’s a traditional sector like Grocery or a newer topic like EV or Unattended Retail, we can help you focus on creating new ways for consumers to discover and interact with your brand for the future.

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 Acceptance
  • Customer Engagement
  • Payment Optimisation
  • Payouts
  • Payment Methods
  • Encryption & Tokenisation
  • Fraud Mitigation

Global & Local

We connect you to more markets - across the globe or on your doorstep with our global presence and local support
And with more partners than anyone else, we can take you wherever new customers are waiting.

Single Entry Point

Explore Carat news and ideas

Take a closer look inside the successful commerce and marketing initiatives driving revenue for our clients. Carat technology is delivering millions of omnichannel experiences daily.

CASE STUDY

Fiserv awarded Best International Deployment for their pan-european self service terminal solution

nexo awards for selecta terminals
Read the Case Study
PRESS RELEASE

Fiserv named Merchant Acquirer of the Year for launch of Carat

MPE Award
Read the Article
PRESS RELEASE

Fiserv named a leader among merchant payment providers for Carat

Forrester wave leader graphic
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The high street goes global, enabling commerce around the corner or across the world

The high street goes global, enabling commerce around the corner or across the world
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PRESS RELEASE

Cashless, self-service payments with Selecta

Cashless, self-service payments with Selecta
Read the Article
PRESS RELEASE

PayPal and Venmo QR code payments enabled at the point of sale

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PRESS RELEASE

Fast fire and auto claim payouts for State Farm®

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PRESS RELEASE

Omnichannel Provider of the Year according to The Strawhecker Group

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PRESS RELEASE

"Alexa, Pay for Gas" goes live nationwide

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Read the Article

Contact Us

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

Explore Carat Solutions

  • Omnichannel Commerce
  • Global Currency
  • Payment Methods
  • Payment Acceptance
  • Payment Optimisation
  • Encryption & Tokenization
  • Fraud Mitigation
  • Reporting & Analytics
  • Facebook
  • Twitter
  • LinkedIn

© 2023 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv and Carat are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. 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. Outside of the US, Carat may be provided by Fiserv affiliates and/or financial service providers in the applicable region. Carat solution availability and functionality may vary by region. Contact us for further information.

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