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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
    Retail
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    Platforms & Marketplaces
    Franchisors
  • Developers
  • Insights
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  • Contact Us

Hey Zurich, tell us your vision. We'll help meet your goals.

We have a comprehensive suite of solutions to support your drive towards digital transformation. Create innovative policyholder experiences that will differentiate Zurich from your competitors and drive more revenue.

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Innovative experiences for the insurance industry

Fast claims payouts for improved client satisfaction

Deliver faster claim payouts to multiple parties through our digital disbursements platform. Ensure your claims payouts are cost-effective, secure, and in the payment method preferred by your policyholders.

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Insurance

Bill payments

Meet consumers' growing demands with payment and presentment solutions that are more convenient for your customers and more efficient for your business.

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Transactional print communications

Comprehensive policyholder communications that deliver exceptional consumer experiences, accelerate digital adoption, and drive profitability while reducing your operational complexities and risks.

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Systems Integration Services

We provide a range of IT consultative and development services to help Zurich during your digital transformation. Let us help maximize the value of your technology investments.

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Payment Optimization

Improve payment outcomes by preventing or recovering any declines. Reduce network through interchange optimization. Provide a frictionless experience for your policyholders.

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Ideas and inspiration

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Global Digital Commerce

State Farm gives customers option to receive claim payouts into their PayPal account

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Global Digital Commerce

Adapting to a new normal: Insurers prioritize digital engagement to deliver safety and convenience to customers

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Global Digital Commerce

WEBINAR: Increasing insurance efficiency with Robotic Process Automation (RPA)

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
  • Facebook
  • Twitter
  • 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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