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    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 Optimisation

    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.

    Currency Solutions

    Attract more customers and reduce cart abandonment.

    Payouts / Disbursements

    Deliver fast, more secure, cost-effective payouts.

    Gift & Branded Currency

    Drive customer acquisition, retention, and loyalty.

    Buy Now, Pay Later

    Increase your mix to cater to budget-conscious consumers.

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    Fraud Mitigation

    Help reduce fraud losses and maximize acceptance.

    Encryption & Tokenisation

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

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    Payment Optimization Checklist
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Gift and branded currency

Gift & Branded Currency

Place branded currency into your customers’ wallets to drive customer acquisition, retention, and loyalty.

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Consumers are using gift cards to shop smarter

1 in 4

consumers favor giving gift cards over traditional gifts.1

61%

of consumers will turn to gift cards for milestone events.1

75%

of consumers aged 18-44 received gift cards during the 2022 holiday season.1

Across industries, some of the world’s largest businesses tap into our gift and loyalty expertise

Gift and loyalty client logos

More than a gift

Whether you want to reach customers across town or across the globe, our alternative payment solutions help you sell and accept digital and physical gift cards in-store, online, or in-app to create a seamless customer shopping experience.

Get started today ›

Grow your business

Strengthen the relationship between your brand and your customers while driving business revenue.

Engage more customers

Acquire, retain, and motivate customers to buy from your brand.

Build loyalty and brand

Drive customer loyalty, increase brand awareness, and generate new sales.

Protect your business

Multi-layered fraud protection and data security tools built right into our transaction processing platform.

Gain operational efficiencies

Simplify, integrate, and automate your reporting, monitoring, and alert functions.

Accelerate innovations

Create new ways to engage your customers with modern alternative payment solutions.

Branded currency platform

Why work with us?

As an industry leader, we provide the global scale to keep up with your growth, a trusted platform to ensure your transactions are secure, and the experience to create innovative solutions with a single purpose — to grow your business.

 
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60+


countries with coverage
for gift card processing2

 
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25+


years of industry experience2

 
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12.5B


transactions processed annually
with 100% uptime, 1.5 billion
peak season transactions2

Ideas and inspiration

article

Consumer Survey

How gift cards keep your workforce engaged and productive

article

Consumer Survey

How inflation will impact 2023 holiday shopping

article

Consumer Survey

Gift cards yield power over consumers despite economic uncertainty

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

Sources: 1. Gift Card Gauge proprietary consumer insights survey 2. Fiserv internal data

Explore more Carat solutions

  • Omnichannel Experiences
  • Local Payments & Wallets
  • Gift & Branded Currency
  • Payment Optimisation
  • Currency Solutions
  • Buy Now, Pay Later
  • Payouts & Disbursements
  • Encryption & Tokenisation
  • Fraud Mitigation
  • Facebook
  • Twitter
  • LinkedIn

© 2025 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv and Carat are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Pathward, N.A, Sioux Falls, SD. Outside of the US, Carat may be provided by Fiserv affiliates and/or financial service providers in the applicable region. Carat solution availability and functionality may vary by region. Contact us for further information.

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