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Carat
Digital Payout Platform for FinTech Transactions

Digital Payout Platform for FinTech Transactions

Give your online customers more control and choice for how and when they receive their funds, plus money transfer convenience.

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Speed and Flexibility for Microlending and Neobanking Payments

Download the Data Sheet
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Increase Profits with Payout Solutions

Save time and money with a comprehensive digital payout solution that helps eliminate 60% of related business operating costs and reduces onboarding time.1 We disburse over $800M payouts a month via exclusive disbursement options and direct top-tier bank connections.2

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  • Item 1 of 5 Deliver Payout Options
  • Item 2 of 5 Case Studies
  • Item 3 of 5 Flexible Integration
  • Item 4 of 5 Built-in Services
  • Item 5 of 5 Contact Us

Offer More Digital Payout and Pay-In Options

Provide your customers and employees unmatched choice by offering exclusive digital payout and pay-in options across the U.S. and Europe. Leverage our direct connections and extensive partnerships with top-tier banks.

Debit Card
Prepaid Card or Money Network
Digital Wallet
Social Payment
ACH or PDF Check

Create Seamless User Experiences

Let your customers or employees pull down earned funds quickly and easily in five seconds or less.2  Leverage our technology to improve your mobile or portal payout experience for single or mass payouts - including weekends, holidays and after hours.

Customer View
Customer View
Select Payout Type View
Select Payout Type View
Payout History View
Payout History View

Profit from Consumer Preferences

Instant access to funds is a part of bonding with consumers for the new normal. Technology and consumer demand have permanently accelerated digital payment adoption.

%

Less expensive than traditional checks and wires1

Consumer Demand for Digital Payments

44

%

Of U.S. customers are willing to pay for an instant payout4

70

%

Of U.S. consumers prefer instant payouts4

25

%

Reduction in payment status inquiries5

Versatile Digital Disbursements Results

We help create excellent disbursement experiences for insurance claims, gig economy wages, gaming winnings, government funds and more. Learn about some results from a few of these industries below.

  • US Treasury Success Story
  • Gig Economy Success Story
  • QSR Success Story
 

73K


Informant Payouts at 50% Direct to Debit

 

By integrating into our electronic disbursements portal, the US federal agency and US Treasury could disburse funds in real-time.

 

Recipients could receive funds by selecting from their preferred payout options.

 

Source: Fiserv and client-provided data.

 

40%


Reduction in Call Center Volume

 

A gig-economy client could offer more payout options to drivers by integrating into our disbursement API. They took advantage of our reliable, direct network connections to vitually help eliminate delayed or incomplete payouts.

They realized approximately $1.5M in acceptance and payout savings.

 

Source: Fiserv and client-provided data.

 

30K


Approximately 30K Prepaid Cards 

Ready in One Week

 

A popular restaurant chain closed in-dining service and set up services to quickly fund Money Network payroll cards, 

enabling contactless payments.

 

They also expanded their tip-to-card program allowing the restaurant to pay delivery employees.

 

Source: Fiserv and client-provided data.

Developer-Friendly, Flexible Integrations

Send payouts through the most popular channels to multiple recipients and create custom program configurations. Leverage a single API or portal-driven integration to ease implementation and create tailored consumer experiences.

Payment Dashboard
Intuitive White-Label Payee Portal

A client-branded, customizeable portal designed for

merchants who do not currently have a digital 

disbursement mobile app.

 

Seamlessly Integrate Your Mobile Apps

A comprehensive API is your single connection to omni-

channel disbursement gateways across the globe.

 

Built-In Business Services

Simplify compliance, help mitigate risk and build loyalty. Let us manage the complexities that come with remaining compliant and securing digital payouts. You can focus on stayng connected to your employees and customers.

View the Data Sheet

Security & Fraud

Tokenize payment data and authenticate recipients to help protect consumer data and fight frudsters.

Compliance Services

KYC, AML, OFAC, bad actor screening, and card industry blacklist filter services help mitigate risk.

Communications

Configure communication preferences, messages and branding seen by your customers and employees

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.

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Digital Disbursement Ideas and Resources

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Global Digital Commerce

Fiserv and State Farm Speed Fire and Auto Claim Payments with Digital Payout Solution

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Global Digital Commerce

Adapting to a New Normal: Insurers Prioritize Digital Engagement to Deliver Safety and Convenience

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Global Digital Commerce

How Hospitals are Managing Healthcare Payments

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Global Digital Commerce

Betting on a Digitally-Enabled Future Beyond COVID-19

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Global Digital Commerce

Digital Payouts Checklist

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Global Digital Commerce

Meeting Expectations Through Digital Disbursements

Sources: 1. Client provided data. 2. Fiserv data. 3. Payout times may vary. 4. Aite Group. 5. Fiserv and client provided data.

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