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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
    Learn more
  • Who we serve
    Who we serve
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Payment Engine Simplify global payments

Drive revenue with an effective payment model that can scale your footprint and reach more customers. Our global commerce platform makes it easy to take money in and pay money out, with a wide range of local and alternative payment methods.

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190+

Countries supported

50+

Countries with local acquiring

100+

Local payment methods

We take the complexity out of payments

Our expertise and technology allow us to manage the complexity of global payments, making it more efficient for you to focus on customers as you grow your business. With Carat as your partner, you don’t need a long list of acquirers, bank sponsors, funding sources, or reporting platforms.

Help secure your business and customers with multiple layers of protection that includes encryption and omnichannel tokenization.

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Expand payment choice

Make it easy for your customers to shop and make purchases the way they want. We offer the fastest-growing global, local, and alternative payment methods in all major countries and markets.

curbside pickup

Increase sales conversion

Enable payment options that are familiar and preferred by buyers.

local payment icon Local Payments link arrow icon Digital Wallet icon Digital Wallets link arrow icon
voice commerce

Attract new customers

Increase your mix to cater to budget- conscious and underserved consumers.

Online EBT icon Online EBT link arrow icon Buy Now Pay Later Buy Now, Pay Later link arrow icon
scan and go

Reduce payment costs

Add alternative payment methods that lower expenses and drive loyalty.

Pay By Bank icon Pay By Bank link arrow icon Gift icon Gift link arrow icon

Modernize payouts for the on-demand economy

Instant disbursements that meet customer needs. One seamless integration and a wide range of secure, cost-effective payout choices.

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Simplicity

Rapid deployment with flexible implementation

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Speed

Payouts delivered to multiple endpoints in seconds

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Choice

Unmatched selection of real-time payout options

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your payout is ready

Ideas and inspiration

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Checklist

Enable Payments Action Plan

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Article

Why optimization is key for cross-border growth

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Article

Expand globally while delivering localized experiences

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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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