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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.

    Driving Growth for Retailers cover image
    Driving Growth for Retailers
    Learn more
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    Payment Optimization Checklist
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    Payment Optimization checklist cover image
    Payment Optimization Checklist
    Learn more
  • Who we serve
    Who we serve
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  • Contact Us
Local payment methods and wallets

Local Payment Methods & Wallets

Enable more payment options to meet customer preferences, optimize checkout experiences, and help increase sales.

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Local payment methods from Carat can help your business:

Expand into new markets
Reach more consumers
Reduce cart abandonment
Improve conversion rates
Increase customer loyalty
Stay competitive

Unlock revenue in markets that matter to you

Tap into our network of 100+ secure, accessible local payment methods to drive growth and market share. Carat offers the top LPMs in all key regions worldwide. Integrated settlement, plus consolidated funding and reporting, helps minimize complexity.

Grow-revenue-in-markets

Map is an illustrative example of the top payment methods in select countries,
not representative of all the local payment methods available through Carat.

Offer the most popular global digital wallets

Allow customers to instantly check out through a click, tap, wave, or even voice. Create better payment experiences by providing more choice and convenience.

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Global digital wallet options

Enable touchless payments with QR codes

Remove the need to handle cash or cards through secure, convenient QR codes. Help protect your employees and customers across a range of payment experiences such as curbside pickup, scan & go, order ahead, and more.

QR Scan View
QR Scan View

1

QR Scan View


Payment Approval View
Payment Approval View

2

Payment Approval View


Payment Confirmed View
Payment Confirmed View

3

Payment Confirmed View


Ideas and inspiration

article

Article

Expand your business while delivering localized experiences

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Action Plan

Enable payments action plan

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Data Sheet

UnionPay: Accept the preferred card for Chinese and Asian customers

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.

Contact us

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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  • 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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