Skip to Contact an Expert Skip to Main Content
Carat logo
  • What we do
    What we do
    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.

    Heading
    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 Optimization

    Grow revenue, lower costs, reduce risk.

    Integration

    Simplify integration and get to market faster.

    Heading
    Local Payments & Wallets

    Unlock revenue in markets that matter to you.

    Stored Value and Loyalty

    Drive customer acquisition, retention, and loyalty.

    Currency Solutions

    Attract more customers and reduce cart abandonment.

    Pay by Bank

    Low-cost ACH payments without chargebacks.

    Payouts / Disbursements

    Deliver fast, more secure, cost-effective payouts.

    Online EBT

    Extend digital checkouts to all of your customers.

    Heading
    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.

    Driving Growth for Retailers cover image
    Driving Growth for Retailers
    Learn more
    Payment Optimization checklist cover image
    Payment Optimization Checklist
    Learn more
    Payment Optimization checklist cover image
    Payment Optimization Checklist
    Learn more
  • Who we serve
    Who we serve
    Retail
    Grocery
    Technology
    Gaming
    Platforms & Marketplaces
    Franchisors
  • Developers
  • Insights
  • location Country Selector
    Country Selector
    North America (English)
    Asia Pacific (English)
    Europe, Middle East & Africa (English)
    Brazil (Português)
  • Contact Us

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.

Get started
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.

01
03
Delivery optimization

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.

curbside pickup

Curbside pickup

Maximize opportunities by allowing customers to safely and more securely order and pay ahead, then pick up at your location.

voice commerce

Voice commerce

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

scan and go

Pay at Pump

Empower your customers with the convenience of fueling up without stepping out of their vehicles.

Ideas and inspiration

article

Article

Navigating the challenges of omnichannel in retail

article

Article

Delivery Optimization: Revolutionize productivity and take back control of your delivery orders

article

Data Sheet

Safely sell in more ways with curbside pickup

store Control CenterControl Center Omnichannel ExperiencesOmnichannel Experiences Payment EnginePayment Engine Payment OptimizationPayment Optimization IntegrationIntegration
Back to top

Explore more solutions from Carat

  • Local Payments & Wallets
  • Pay by Bank
  • Stored Value and Loyalty
  • Currency Solutions
  • Payouts / Disbursements
  • Online EBT
  • Fraud Mitigation
  • Encryption & Tokenization
  • Alternative Credit Data
  • Facebook
  • Twitter
  • LinkedIn

© 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..

  • About Fiserv
  • Investors
  • Careers
  • Payments 101
  • Developers
  • Contact
  • Legal
  • Privacy Notice
  • Site Map

Site Selector