Deliver payouts thru a modern, cloud-based platform
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
Carat provides value
5
digital payouts delivery time2
25
%reduction in call centre volumes3
60
%less expensive than cheques and manual transfers3
Delight your customers with real time payouts.
Faster Processing
Processed instantly, reducing the time and effort required to complete the payment process.
Increased Security
More secure than traditional payment methods through the use of advanced authentication measures.
Greater convenience
Anywhere, at any time, using a variety of devices, including smartphones, tablets, and computers.
Lower transaction costs
Lower transaction fees than traditional payment methods, such as cheques or bank transfers.
Improved tracking and reporting
Real-time tracking and reporting of payment transactions, which can help your business manage finances.
Increased efficiency
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.
Help reduce payout fraud
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.
Fast, convenient recipient portal
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.
Enabling financial inclusion for Polish residents in cooperation with Mastercard & Visa
Cash2Card Deposits
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.
Nationwide Accessibility
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.
Payouts built for enterprise businesses
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.
Robust connectivity
Robust connectivity
Direct connections to payment networks that process high-volume in markets across the globe.
Single integration
Single integration
Rapid deployment with flexible API, batch file or portal-driven implementation options.
Operational efficiency
Operational efficiency
Standardised settlement, reconciliation and reporting reduces resource demand on staff.
Tell us your vision. We can build a 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.
Ideas and inspiration
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Betting on a Digitally-Enabled Future Beyond COVID-19
this link will open in new window.Digital Payouts
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.