Deliver payouts through a modern, cloud-based platform
Carat makes it easy to pay customers how and when they want. With a single integration, instantly and securely disburse a wide range of popular payout options. Advanced features, such as the ability to split payments or distribute to a group of recipients simultaneously, create positive customer experiences, with tools that help increase efficiency and profit.
of people rank security & speed as top payout priorities1
Carat provides value
5
digital payouts delivery time2
25
%reduction in payment status inquiries3
60
%less expensive than checks and wires3
Unmatched choice. Real-time payout options.
Debit
Money Network®
Digital & Print Checks
Bank Accounts
Social Payments
Crypto Wallets
Help reduce payout fraud
We leverage our data-rich ecosystem, innovative fraud capabilities and industry expertise to analyze the digital footprint, behavior, and payment patterns of users so you can better verify and pay legitimate recipients without disruption.
Facilitate faster payouts with a co-branded recipient portal
From the convenience of their phone or desktop, recipients can log into a highly-intuitive disbursements portal, select the payout method they prefer, and receive their money.
Choose a developer-friendly integration path that meets your needs.
Co-branded portal
Customizable portal for merchants who do not have a digital disbursements mobile app.
Mobile app integration
Single API connection to omnichannel disbursement gateways across the globe.
Payouts built for enterprise businesses
Carat has the size and scale to work with the world’s largest companies, the global reach to help securely deploy payouts that cross borders, and the expertise to create a best-in-class experience that’s right for your business.
Robust connectivity
Robust connectivity
Direct connections to payment networks that process high-volume in markets across the globe.
Single integration
Single integration
Rapid deployment with flexible API, batch file or portal-driven implementation options.
Operational efficiency
Operational efficiency
Standardized settlement, reconciliation and reporting reduces resource demand on staff.
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.
Source: 1. Carat Insights Study, 2022, 2. Fiserv data; speed of delivery may vary based on payment type, 3. Fiserv and client-provided data; individual results may vary.