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Universal commerce

Omnichannel Commerce Experiences

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

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Revenue Through Innovation

14 of the top 20 global brands use us to power their digital commerce experiences. Our omnichannel technology, industry expertise and actionable data insights create a unified customer journey that helps drive loyalty and revenue growth.

 
  • Item 1 of 4 Outpace Expectations
  • Item 2 of 4 Contactless Payments
  • Item 3 of 4 Simple Integration
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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
Personalised 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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Click and Collect

Click and Collect

Offer Safety and Security

Maximise opportunities by allowing customers to safely and securely order and pay ahead, then pick up at your location.
 

Self-Service

Self-Service

Convenient Contactless Checkouts

Let your customers get what they want, when they want with vending machines and kiosks. Create better experiences and increase "on the go" foot traffic.
 

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.

Transform Phones into a Contactless Payment Terminal

Consumer’s existing Android phones and tablets can become secure, contactless terminals that create faster and more convenient payment experiences. Removing hardware cost and maintenance burdens for your business.

 

Contactless Payment
Contactless Payment
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Global Case Studies

  • Restaurant/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.

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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Ideas and Inspiration

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Global Digital Commerce

Accelerating the Rise of Digital Commerce

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Global Digital Commerce

Safely Sell in More Ways with Click and Collect

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Global Digital Commerce

Maximise Sales with Fast and Secure Checkout Experiences

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Explore Carat Solutions

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