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    Explore the Carat Platform

    Orchestrate payments and commerce experiences.

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    Engage more customers and lower the cost of payments.

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    Protect your brand.

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    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.

    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.

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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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  • Contact Us
Gift and branded currency

Stored Value and Loyalty

Place branded currency into your customers’ wallets to drive customer acquisition, retention, and loyalty.

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Across industries, some of the world’s largest businesses tap into our gift and loyalty expertise

Gift and loyalty client logos

Consumers are using gift cards to shop smarter

74%

of consumers have taken advantage of a gift card loyalty incentive.1

1 in 3

consumers prefer gift cards for day-to-day essential items over luxury items.1

71%

of consumers have downloaded a merchant app to manage loyalty rewards, gift cards and more.1

More than a gift

Whether you want to reach customers across town or across the globe, our alternative payment solutions help you sell and accept digital and physical gift cards in-store, online, or in-app to create a seamless customer shopping experience.

Get started today ›

Grow your business

Strengthen the relationship between your brand and your customers while driving business revenue.

Engage more customers

Acquire, retain, and motivate customers to buy from your brand.

Build loyalty and brand

Drive customer loyalty, increase brand awareness, and generate new sales.

Protect your business

Multi-layered fraud protection and data security tools built right into our transaction processing platform.

Gain operational efficiencies

Simplify, integrate, and automate your reporting, monitoring, and alert functions.

Accelerate innovations

Create new ways to engage your customers with modern alternative payment solutions.

Branded currency platform

Why work with us?

As an industry leader, we provide the global scale to keep up with your growth, a trusted platform to ensure your transactions are secure, and the experience to create innovative solutions with a single purpose — to grow your business.

 

60+


countries with coverage
for gift card processing2

 

25+


years of industry experience2

 

12.5B


transactions processed annually
with 100% uptime, 1.5 billion
peak season transactions2

Ideas and inspiration

article

Consumer Survey

How gift cards drive employee productivity and retention

article

Consumer Survey

Consumers expect another expensive holiday season

article

Buyers Survey

The trends and preferences of corporate prepaid incentive program leaders

article

Consumer Survey

Consumer's top priorities for 2025 gift cards: speed, convenience, and security

article

Podcast

It’s a gift: the hidden benefits of prepaid cards

article

Podcast

Prepaid-powered loyalty programs drive customer engagement for merchants

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. Fiserv proprietary consumer insights survey 2. Fiserv internal data

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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