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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 Optimisation

    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.

    Currency Solutions

    Attract more customers and reduce cart abandonment.

    Payouts / Disbursements

    Deliver fast, more secure, cost-effective payouts.

    Gift & Branded Currency

    Drive customer acquisition, retention, and loyalty.

    Buy Now, Pay Later

    Increase your mix to cater to budget-conscious consumers.

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    Fraud Mitigation

    Help reduce fraud losses and maximize acceptance.

    Encryption & Tokenisation

    Help secure your business with multiple layers of end-to-end protection.

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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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Payment Engine Simplify global payments

Drive revenue with an effective payment model that can scale your footprint and reach more customers. Our global commerce platform makes it easy to take money in and pay money out, with a wide range of local and alternative payment methods.

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190+

Countries supported

50+

Countries with local acquiring

100+

Local payment methods

We take the complexity out of payments

Our expertise and technology allow us to manage the complexity of global payments, making it more efficient for you to focus on customers as you grow your business. With Carat as your partner, you don’t need a long list of acquirers, bank sponsors, funding sources, or reporting platforms.

Help secure your business and customers with multiple layers of protection that includes encryption and omnichannel tokenisation.

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Expand payment choice

Make it easy for your customers to shop and make purchases the way they want. We offer the fastest-growing global, local, and alternative payment methods in all major countries and markets.

curbside pickup

Increase sales conversion

Enable payment options that are familiar and preferred by buyers.

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voice commerce

Attract new customers

Increase your mix to cater to budget- conscious and underserved consumers.

Online EBT icon Currency Solutions link arrow icon Buy Now Pay Later Buy Now, Pay Later link arrow icon
scan and go

Reduce payment costs

Add alternative payment methods that lower expenses and drive loyalty.

Pay By Bank icon Gift link arrow icon

 

Modernize payouts for the on-demand economy

Instant disbursements that meet customer needs. One seamless integration and a wide range of secure, cost-effective payout choices.

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Simplicity

Rapid deployment with flexible implementation

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Speed

Payouts delivered to multiple endpoints in seconds

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Choice

Unmatched selection of real-time payout options

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your payout is ready

Ideas and inspiration

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Checklist

Enable Payments Action Plan

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Article

Why optimisation is key for cross-border growth

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Article

Expand globally while delivering localised experiences

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Explore more Carat solutions

  • Omnichannel Experiences
  • Local Payments & Wallets
  • Gift & Branded Currency
  • Payment Optimisation
  • Currency Solutions
  • Buy Now, Pay Later
  • Payouts & Disbursements
  • Encryption & Tokenisation
  • Fraud Mitigation
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  • LinkedIn

© 2025 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv and Carat are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Pathward, N.A, Sioux Falls, SD. Outside of the US, Carat may be provided by Fiserv affiliates and/or financial service providers in the applicable region. Carat solution availability and functionality may vary by region. Contact us for further information.

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