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Digital Disbursements & Payouts

Increase payout choice and speed for better customer experiences while reducing costs and simplifying operations.

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Deliver payouts thru a modern, cloud-based platform

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.

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%

of people rank security & speed as top payout priorities1

Carat provides value

5

digital payouts delivery time2

25

%

reduction in payment status inquiries3

60

%

less expensive than checks and wires3

Unmatched choice. Real-time payouts.

Provide customers with the most popular payout options 

Debit
Money Network®
Digital & Print Checks
Bank Accounts
Social Payments
Crypto Wallets

Speed of delivery may vary based on payment type.

Help reduce payout fraud

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.

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Fast, convenient recipient portal

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.

 

Watch the demo
Payment Dashboard

Choose a developer-friendly integration path that meets your needs.

 

Co-branded portal

Customizable portal for merchants who do not have a digital disbursements mobile app.

 

Mobile app integration

Single API connection to omnichannel disbursement gateways across the globe.

 

 

Payouts built for enterprise businesses

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.

 
Robust connectivity

Robust connectivity

Robust connectivity

Direct connections to payment networks that process high-volume in markets across the globe.

 
Strong protection

Single integration

Single integration

Rapid deployment with flexible API, batch file or portal-driven implementation options.

 
Operational Efficiency

Operational efficiency

Operational efficiency

Standardized settlement, reconciliation and reporting reduces resource demand on staff.

Tell us your vision. We can build a 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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Ideas and inspiration

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Digital Payouts

Fiserv and State Farm Speed Fire and Auto Claim Payments with Digital Payout Solution

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Digital Payouts

Adapting to a New Normal: Insurers Prioritize Digital Engagement to Deliver Safety and Convenience

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Digital Payouts

How Hospitals are Managing Healthcare Payments

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Digital Payouts

Betting on a Digitally-Enabled Future Beyond COVID-19

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Digital Payouts

Digital Payouts Checklist

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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.

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