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    What we do
    Explore the Carat Platform

    Orchestrate payments and commerce experiences.

    Alternative Payments

    Engage more customers and lower the cost of payments.

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    Protect your brand.

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    Control Center

    Take control of your business with data and insights.

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    Imagine and realize new customer experiences.

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    Simplify global payments and offer more choice.

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    Grow revenue, lower costs, reduce risk.

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    Simplify integration and get to market faster.

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    Local Payments & Wallets

    Unlock revenue in markets that matter to you.

    Stored Value and Loyalty

    Drive customer acquisition, retention, and loyalty.

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    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.

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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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    Driving Growth for Retailers
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    Payment Optimization Checklist
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    Payment Optimization Checklist
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Online EBT Payments

Digital payments for all with Online EBT

Accept the benefit payment methods people need while growing revenue.

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Extend digital checkouts to all your customers

Allow all your customers to pay where, when and how they want across multiple channels and experiences. We have partnered with the U.S. Department of Agriculture (USDA) and the U.S. Department of Health and Human Services to make Online Electronic Benefits Transfer (EBT) programs a reality for clients like Walmart, Amazon, and Wakefern.

Offer all your customers digital checkout experiences like curbside pickup, delivery, and more.

 

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Leverage the original digital scramble PINpad to better secure and validate transactions.

 

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Access our connected partner ecosystem to enhance customer experiences and engagement.

 

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Understand the market and opportunity

Diversifying your payment mix to include payment methods in high demand, like Online EBT, increases customer retention and repeat business.

5-15%

Average portion of overall payment mix attributed to Online EBT for grocers1

41M+

Americans who recieve subsidized benefits2

50/50

US states offering consistent experiences

Enable high-demand experiences

Allow customers needing benefit assistance to shop with the most popular digital experiences - curbside pickup, delivery, contactless, and more.

 

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Curbside Pickup
Curbside Pickup

1

Curbside Pickup


Delivery
Food Delivery

2

Food Delivery


Contactless
Drive thru Order

3

Drive thru Order


+ More
Gas Station

4

Gas Station


Secure and validate
transactions

First to market, our award-winning scramble PIN-on-glass technology, selected by USDA and approved by the debit networks, makes it possible for you to accept Online EBT Payments.

A simple integration gives you access to our sophisticated algorithms, enabling the same security requirements used in the highly regulated gaming industry. With more secure payments and a customizable interface, you can focus on increasing customer engagement with your brand.

EBT pin pad screenshot

Grow your business with our partner ecosystem

Carat Online EBT partner logos

Ideas and inspiration

article

Article

The democratization of digital commerce

article

Article

The push to offer EBT Online: Enabling safer touchless checkouts

article

Article

U.S. grocery industry responds to tidal wave of demand in early weeks of pandemic

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

Source: (1) internal and client related results, (2) Pew Research Center

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
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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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