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    Benefit from our global scale and local expertise.

    Optimize Commerce

    Grow revenue, improve economics and protect your brand.

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    Consolidated global reporting and Data-as-a-Service.

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    Payment Acceptance

    Simplify your global payments model.

    Omnichannel Commerce

    Imagine and realize new customer experiences.

    Global Currency

    Reach more customers worldwide.

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    Pay any way, anywhere with 70+ payment methods.

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    Buy Now, Pay Later

    Drive sales by offering options to pay over time.

    Platforms & Marketplaces

    Boarding, credit and risk, and money movement for sub-merchants.

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    Payment Optimization

    Improve payment outcomes and lower costs.

    Fraud Mitigation

    Help reduce fraud losses and maximize acceptance.

    Encryption & Tokenization

    Help secure your business with multiple layers of end-to-end protection.

    AR Automation

    Achieve accounts receivable automation to improve efficiency and reduce costs.

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    Reporting & Analytics

    Consolidated global reporting and Data-as-a-Service.

    Alternative Credit Data

    Help approve more customers, manage and reduce risk.

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    Driving Growth for Global Digital Brands
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    Payment Optimization Checklist
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    Enhancing Consumer Experiences with Data-as-a-Service
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Reporting & Analytics

Reporting & Analytics

Understand your business activity across the commerce spectrum - 

track, analyze and monitor, globally.

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Consolidate Reporting for Better Insights

Save time and effort by leveraging a single, global data and reporting platform. Create a consistent experience regardless of country, region or payment method. Better understand your customers with targeted profiles that consider demographics, socioeconomics and intent.

Access and manage business-critical data through a one-stop platform

 

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Stay vigilant with real-time monitoring and automated alerts

 

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Compare your data with other merchants to see how you are stacking up.

 

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Easily integrate multiple reporting systems with global data sharing.

 

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Drive greater value with data

Access information across over 90 billion transactions.1 Quickly leverage cloud-based data services or data sharing services without a heavy technology lift.

Save Time and Effort
Reduce Fraud Risk and Expense
Understand Global Omnichannel Activity
Lower Development Costs
Better Interchange and Fee Visibility

Streamline Transaction Management

Access and manage business-critical data through a one-stop, omnichannel platform. Better understand every stage of your payment lifecycle, fast-track reconciliation and manage funding flows.

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Transaction Activity
Review critical processing metrics.
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Authorization Summary
View real-time Authorization activity.
Authorization Summary
Competitor Benchmarking
Compare your data to similar business types.
Competitor Benchmarking

Agile, Efficient, Automated, Flexible

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Agile Cloud-Based Architecture
Save on development time and resource costs.
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Data Sharing and Transmission
Move data more efficiently for faster reconciliation.
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Automated Reconciliation
Determine dispute outcomes quickly to manage funding.
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Flexible File Options
Leverage existing file formats for simpler integration.

Real-time Monitoring and Automated Alerts

Stay vigilant with real-time notifications and enhanced reporting that unifies multiple hierarchies, outlets and terminals. Drill down into detail across issuer, network and decline trends, abnormal activity alerts and MID/location-based notifications via a customizable interface.

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Benchmark your performance against competitors

Leverage data across over 90 billion transactions to create rich customer profiles.1 Better understand your customer’s preferences from the items they buy to where else they are shopping.

 

Customer Profiles

Customer Profiles

Understand your customer’s intent while also considering demographics and socioeconomics.

 

Timeline Trends

Timeline Trends

Compare your data over time to identify key business insights.

 

Competitor Benchmarking

Competitor Benchmarking

See how you stack up next to other similar business types.

Gain greater insights by consuming data into your own systems

Our Data-as-a-Service provides access critical intelligence to help reduce risk, optimize commerce, and enhance customer experiences.

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Actionable data flows at your fingertips

 

With our Data-as-a-Service, you get ongoing real-time access to reporting data in a secure cloud-based environment, without the cost and overhead of extracting, transforming, loading and storing your data on site.

 

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Why Carat Data-as-a-Service

Optimize commerce

  • Remove the need to build ETL (extract, transform, and load) integrations
  • Real-time transactional data to enhance payment performance

 

Grow revenue

  • Identify new trend opportunities and reduce inefficient marketing spend
  • Improve customer loyalty by understanding customer needs and offering personalized customer experiences

 

Risk management

  • Access intelligence to help make informed risk management decisions
  • Securely share and access governed data, tools, applications, other technologies, and data services

 

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Tell Us Your Vision. 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.

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Source: 1) internal data

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