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  • What we do
    What we do
    Explore the Carat Platform

    Orchestrate payments and commerce experiences.

    Alternative Payments

    Engage more customers and lower the cost of payments.

    Secure Commerce

    Protect your brand.

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    Control Center

    Take control of your business with data and insights.

    Omnichannel Commerce

    Imagine and realize new customer experiences.

    Payment Engine

    Simplify global payments and offer more choice.

    Payment Optimization

    Grow revenue, lower costs, reduce risk.

    Integration

    Simplify integration and get to market faster.

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    Local Payments & Wallets

    Unlock revenue in markets that matter to you.

    Stored Value and Loyalty

    Drive customer acquisition, retention, and loyalty.

    Currency Solutions

    Attract more customers and reduce cart abandonment.

    Pay by Bank

    Low-cost ACH payments without chargebacks.

    Payouts / Disbursements

    Deliver fast, more secure, cost-effective payouts.

    Online EBT

    Extend digital checkouts to all of your customers.

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    Fraud Mitigation

    Help reduce fraud losses and maximize acceptance.

    Encryption & Tokenization

    Help secure your business with multiple layers of end-to-end protection.

    Alternative Credit Data

    Help approve more customers, and manage and reduce risk.

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    Driving Growth for Retailers
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    Payment Optimization Checklist
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    Payment Optimization Checklist
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  • Who we serve
    Who we serve
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The next generation platform to
drive more commerce

Carat is the global commerce platform from Fiserv that orchestrates payments and experiences for the world’s largest businesses.

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Trusted by 70%
of the world's leading brands
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Take control of commerce with scalable technology that enables you to imagine and realize new customer experiences

Control Center

Take control of your business. Analyze performance and seek alpha with a single view of commerce across locations, regions, and operational segments.

Consume your data real-time to access critical intelligence that can help make informed decisions to optimize commerce, grow revenue, reduce risk, and enhance customer experiences.

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Omnichannel
Experiences

Imagine and realize new omnichannel customer experiences via a service orchestration layer that includes a full range of payment options and value-added services capabilities.

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Payment Engine

Take the complexity out of payments so you can grow revenue and connect with customers in markets that matter to your business.

Reduce the challenges of working with local schemes, regulations and compliance. Carat enables access to a broad range of global, local, and alternative payment methods with world-class encryption and tokenization techniques to help keep commerce secure.

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Payment
Optimization

Create better customer experiences with higher approval rates, while lowering transaction costs and reducing fraud. Take control of commerce with scalable technology and data intelligence that is unique to Fiserv.

Leverage our own STAR and Accel debit networks to enable fast, secure and flexible transactions, positioning you to drive accountholder loyalty and meet consumer debit payment expectations.

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Integration

Our integration 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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Ideas and inspiration

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Report

Fall 2024 Carat Insights Report

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Article

Carat product principles and vision for 2024

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Report

The PayFac economy and the embedded payments revolution

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Explore more solutions from Carat

  • Local Payments & Wallets
  • Pay by Bank
  • Stored Value and Loyalty
  • Currency Solutions
  • Payouts / Disbursements
  • Online EBT
  • Fraud Mitigation
  • Encryption & Tokenization
  • Alternative Credit Data
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  • LinkedIn

© 2025 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. Merchant services provided by First Data Merchant Services LLC, doing business as Carat, is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA; Deutsche Bank AG, New York, NY; PNC Bank N.A., Pittsburgh, PA; MVB Bank, Fairmont, WV; Pathward, N.A., Sioux Falls, SD; and Citizens Bank, N.A., Providence, RI..

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