What we do

What we do

Explore the Carat Platform

Explore the Carat Platform

Orchestrate payments and commerce experiences.

Alternative Payments

Alternative Payments

Engage more customers and lower the cost of payments.

Secure Commerce

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.

Driving Growth for Retailers

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Payment Optimization Checklist

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Payment Optimization Checklist

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Omnichannel experiences Create unique, frictionless omnichannel experiences

Create unique, frictionless consumer experiences across virtually all payment methods, channels, devices and partners - on a global scale.

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“The partnership we built here with Fiserv has been fantastic and we’re really looking forward to the next several years together.”

- Marissa Celette, Chief Strategy Officer, Selecta

Omnichannel wallet

Take back control of the digital wallet to enrich the customer experience and boost profitability. Transform your app from a payment channel to a one-stop shop for storing branded currency that drives increased customer engagement.

Embedded finance

Leverage the power of Fiserv to embed financial tools into your merchant ecosystem to create new revenue streams and deeper customer relationships.

Delivery optimisation

Let your customers pay with their preferred method while reducing operational costs.

Our partnership with 40+ of the most popular delivery services means less cost for you and better experiences for your customers.

Create more contactless
payment experiences

Accept payments in the markets that matter to your business, with global, local, and alternative payment methods that can grow revenue and lower the cost of acceptance.

Click & collect

Offer safety and security. Maximise opportunities by allowing customers to safely and securely order and pay ahead, then pick up at your location.

Voice commerce

Streamline the way consumers make purchases. Deliver hands-free, multi-channel experiences across the entire shopping journey.

Scan & go

Create innovative convenience. Allow customers to scan, add items and checkout without satisfaction while diversifying your channels with innovative new experiences.