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.
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.
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.
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
Direct connections to payment networks that process high-volume in markets across the globe.
Single integration
Single integration
Rapid deployment with flexible API, batch file or portal-driven implementation options.
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.
Ideas and inspiration
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
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Digital Payouts
How Hospitals are Managing Healthcare Payments
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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.