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  • 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.

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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 Optimization

    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.

    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.

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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.

    Driving Growth for Retailers cover image
    Driving Growth for Retailers
    Learn more
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    Payment Optimization Checklist
    Learn more
    Payment Optimization checklist cover image
    Payment Optimization Checklist
    Learn more
  • Who we serve
    Who we serve
    Retail
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    Gaming
    Platforms & Marketplaces
    Franchisors
  • Developers
  • Insights
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  • Contact Us

Control Center Take control of your business

Analyze performance with a single view of commerce across locations, regions, and operational segments. Consume your data real-time to access critical intelligence that can help make informed decisions to optimize commerce, grow revenue, reduce risk and enhance customer experiences.

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control center

Configurable analytics & reporting

Save time and effort by leveraging globally consolidated business-critical data. Better understand every stage of your payment lifecycle, fast-track reconciliation and manage funding flows. Better understand your customers with targeted profiles that consider demographics, socioeconomics and intent.

Monitor your transactions

Track, analyze, and monitor all payment transactions across multiple locations, regions, and business segments.

Understand your authorizations

Create better payment outcomes for your customers by tracking authorization activity in real-time. Drill down into decline reasons and act quickly to minimize disruption to your business.

Identify trends
through your
settlements

Identify patterns and trends in sales performance over specific time frames by understanding your settlement data.

Monitor your funding

View multiple deposit types in one report, with detailed information on adjustments, interchange fees, service charges, fees, and chargebacks.

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Stay ahead of any disputes

Analyze, resolve, and respond to inquiries efficiently and effectively with detailed chargeback reporting.

Enhanced reporting capabilities for better insights

Our enhanced capabilities provide you even greater insights into your business and can help you manage your data more efficiently. Set real-time alerts to proactively manage commerce, with the ability to set risk controls that take immediate effect.

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Lobby

Gain better visibility into your business

Monitoring and Alerts

Monitoring and Alerts

Monitor activity and set alerts

Automated Reconciliation

Automated Reconciliation

Easily track and reconcile transactions

Data File Transfer

Data File Transfer

Automate the transfer of data

Fraud Mitigation Control

Fraud Mitigation Control

Set risk controls and create rules

Bulk Statement Data

Bulk Statement Data

Produce your own statements

Actionable data flows at your fingertips

Gain greater insights by consuming data into your own systems

With our Data-as-a-Service, you get ongoing real-time access to reporting data in a secure cloud-based environment, without the cost and overhead of extracting, transforming, loading, and storing your data on site.

Ideas and inspiration

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Article

Leveraging DaaS to strengthen customer relationships

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Article

Enhanced commerce services that drive consumer engagement

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Article

Three ways to optimize for more efficient omnichannel experiences

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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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  • 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..

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