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    Orchestrate payments and commerce experiences.

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    Engage more customers and lower the cost of payments.

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    Fraud Mitigation

    Help reduce fraud losses and maximize acceptance.

    Encryption & Tokenization

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

    Alternative Credit Data

    Help approve more customers, and manage and reduce risk.

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encryption-and-tokenization

Encryption & Tokenization

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

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The threat of data breaches is rising

Cyberthreats are quickly becoming more costly and complex. Your customers know this - you need a powerful solution to keep their personal information safe. Carat provides a multi-layered solution to protect sensitive card data at every stage of the payment process. 

8
0

%

of consumers won't buy from a company they have security concerns about1

Data loss by the numbers

4.45

M

average cost of a data breach2

40

%

of lost business is associated with data breaches3

52

%

of all data breaches in 2023 have involved a form of customer PII4

Comprehensive data protection

Confident customers are more likely to repeat business. Optimize customer payment data with a multi-layered data protection strategy to protect data in transit and at rest across omnichannel environments. 

 

Learn more ›

encryption

Encryption

Uninterrupted protection as payment data moves across channels, networks, and partner environments.

tokenization

Tokenization

Replace sensitive payment data with omnichannel tokens which can be used across your environment.

Safeguard your business and customers

Reduce operational costs and stay ahead of regulatory and compliance mandates with the latest industry solutions. You can protect your revenue by removing sensitive customer data from your environment while also reducing PCI compliance scope.

Multi-layered Approach

Help protect data in transit and at rest with encryption and tokenization.

Omnichannel Tokenization

Leverage tokenization seamlessly across your environments.

PCI Compliance Support

Minimize the burden of remaining compliance with data privacy rules and regulations.

Leverage tokens across all channels

Better engage with your customers without storing sensitive data. Every customer has a unique token that follows them across your diverse sales channels, allowing you to better understand their behavior and drive more effective marketing and loyalty programs.

 

Learn more ›

Wearable
Wearable smart watch

1

Wearable smart watch


Smart Car Dashboard
GPS navigation

2

GPS navigation


Mobile Phone
Checkout page on smartphone

3

Checkout page on smartphone


Desktop
eCommerce website on laptop

4

eCommerce website on laptop


Reduce PCI scope with a PCI validated P2PE solution

Reduce your compliance scope up to 90% so you can focus on growing your business.3 Our PCI Validated Point-to-Point Encryption (P2PE) solution delivers better security and significantly increases PCI compliance.

Clover Station

 

Significant Scope Reduction

Leverage our multi layered security solution to fulfill most of your PCI requirements, so you can focus on your customers.

 

Requirement Responsibilities

P2PE reduces your compliance responsibilities to only three requirements. This includes protecting stored paper cardholder data, restricting physical access to cardholder data, and maintaining an information security policy.

Ideas and inspiration

article

Article

What is PCI compliance?

article

Action Plan

Reduce PCI scope with omnichannel tokens

article

Action Plan

Understanding the impact of PSD2

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. McKinsey, 2. IBM Security, 3. CSO, 4. IBM Security 

Explore more solutions from Carat

  • Local Payments & Wallets
  • Pay by Bank
  • Stored Value and Loyalty
  • Currency Solutions
  • Payouts / Disbursements
  • Online EBT
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  • Encryption & Tokenization
  • Alternative Credit Data
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© 2025 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. Merchant services provided by First Data Merchant Services LLC, doing business as Carat, is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA; Deutsche Bank AG, New York, NY; PNC Bank N.A., Pittsburgh, PA; MVB Bank, Fairmont, WV; Pathward, N.A., Sioux Falls, SD; and Citizens Bank, N.A., Providence, RI..

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