Carat makes it easy to pay your customers how and when they want. With a single integration, we enable a wide range of payout options that can instantly and securely disburse payouts. Advanced features, such as the ability to split payouts or to distribute to a large group of recipients simultaneously create good customer experiences, with tools that help increase efficiency and profit.
of people rank security & speed as top payout priorities1
5
digital payouts delivery time2
25
%reduction in payment status inquiries3
60
%less expensive than checks and wires3
Speed of delivery may vary based on payment type.
We leverage our data-rich ecosystem, best-in-class fraud capabilities and industry expertise to meticulously analyze the digital footprint, behavior and payment patterns of users so you can better verify and pay legitimate recipients without disruption.
From their phone or desktop, customers can log in to a co-branded disbursements portal, select the payout method they prefer, and recieve their money.
Customizable portal for merchants who do not have a digital disbursements mobile app.
Single API connection to omnichannel disbursement gateways across the globe.
Carat has the size and scale to work with the world’s largest companies, the global reach to help securely deploy payouts that cross borders, and the expertise to create a best-in-class experience that’s right for your business.
Direct connections to payment networks that process high-volume in markets across the globe.
Rapid deployment with flexible API, batch file or portal-driven implementation options.
Standardized settlement, reconciliation and reporting reduces resource demand on staff.
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.
this link will open in new window.Digital Payouts
Fiserv and State Farm Speed Fire and Auto Claim Payments with Digital Payout Solution
![]()
Digital Payouts
Adapting to a New Normal: Insurers Prioritize Digital Engagement to Deliver Safety and Convenience
![]()
Digital Payouts
How Hospitals are Managing Healthcare Payments
![]()
Digital Payouts
Betting on a Digitally-Enabled Future Beyond COVID-19
this link will open in new window.Digital Payouts
Digital Payouts Checklist
Source: 1. Carat Insights Study, 2022, 2. Fiserv data; speed of delivery may vary based on payment type, 3. Fiserv and client-provided data; individual results may vary.