Carat makes it easy to pay your customers how and when they want. With a single integration, we enable a wide range of payout options that can instantly and securely disburse payouts. Advanced features, such as the ability to split payouts or to distribute to a large group of recipients simultaneously create good customer experiences, with tools that help increase efficiency and profit.
of people rank security & speed as top payout priorities1
5
digital payouts delivery time2
25
%reduction in call centre volumes3
60
%less expensive than cheques and manual transfers3
Processed instantly, reducing the time and effort required to complete the payment process.
More secure than traditional payment methods through the use of advanced authentication measures.
Anywhere, at any time, using a variety of devices, including smartphones, tablets, and computers.
Lower transaction fees than traditional payment methods, such as cheques or bank transfers.
Real-time tracking and reporting of payment transactions, which can help your business manage finances.
Automate many of the payment processing tasks that were previously performed manually, saving time and reducing errors.
Speed of delivery may vary based on payment type.
We leverage our data-rich ecosystem, best-in-class fraud capabilities and industry expertise to meticulously analyse the digital footprint, behavior and payment patterns of users so you can better verify and pay legitimate recipients without disruption.
From their phone or desktop, customers can log in to a co-branded disbursements portal, select the payout method they prefer, and recieve their money.
The Cash2Card solution allows Polish merchants to use existing POS hardware to accept cash deposits in store and disburse funds immediately to a customer's Mastercard debit card.
Given the vast network of more than 10,000 Zabka & Empik stores across Poland, this offers Polish residents access to the digital economy through the Polcard Pay app. The app is available in Polish, English and also in Ukranian to accomodate the recent influx of Ukranian refugees.
Carat has the size and scale to work with the world’s largest companies, the global reach to help securely deploy payouts that cross borders, and the expertise to create a best-in-class experience that’s right for your business.
Direct connections to payment networks that process high-volume in markets across the globe.
Rapid deployment with flexible API, batch file or portal-driven implementation options.
Standardised settlement, reconciliation and reporting reduces resource demand on staff.
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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Digital Payouts Checklist
Source: 1. Carat Insights Study, 2022, 2. Fiserv data; speed of delivery may vary based on payment type, 3. Fiserv and client-provided data; individual results may vary.