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    Orchestrate payments and commerce experiences.

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    Imagine and realize new customer experiences.

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    Extend digital checkouts to all of your customers.

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    Help reduce fraud losses and maximize acceptance.

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

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    Help approve more customers, and manage and reduce risk.

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Benefit Acceptance Payments

Omnichannel payments for all with Benefit Acceptance

Accept the benefit payment methods people need while growing revenue.

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Understand the market and opportunity

Diversifying your payment mix to include payment methods in high demand, like Benefit Acceptance, increases customer retention and repeat business.

5-10%

Total online spend via benefits transactions1

42M+

Monthly benefit participants2

$100B+

Annual government funding2

Extend omnichannel checkouts to all your customers

Allow customers needing benefit assistance to pay wherever, whenever, and however they want across physical and digital channels.

Enables households to use government assistance benefits to purchase goods and services from authorized participating merchants.

Program for the healthcare and nutrition of low-income, pregnant, or breastfeeding women as well as infants and children under the age of five.

Offers additional state-funded rewards for buying healthy foods.

 

Cash benefits for general purchases (that is, shelter, food, personal hygiene, transportation, clothing, home maintenance, fuel). 

The value of Benefit Acceptance

 

For merchants:
  • Single source: One relationship for all benefit types
  • Revenue: Increase cash flow
  • Reach: Engage customers in all 50 states and territories
  • Loyalty: Grow customer base and boost retention
  • Good will: Help low-income families needing assistance
  • Card modernization: Enable benefit chip acceptance

 

For consumers:
  • More options: In-store, contactless, online, in-app transactions; use alternate payments
  • Convenience: Buy online and skip the checkout lines
Man with groceries

Seamless shopping journeys

Facilitate effortless in-store, contactless, online and in-app payment experiences.

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Ideas and inspiration

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Industry news

Prepare for chip and tap technology

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Video

Hear our specialist discuss the ins and outs of Benefit Acceptance

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Article

Online EBT: Grocery success creates more digital opportunity for government benefits

Tell us your vision and we'll bring the 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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Source: (1) internal and client related results, (2) Pew Research Center

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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© 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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