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   What we do
   
   
   WHAT WE DO
   
   Explore the Carat Platform
   
   
   EXPLORE THE CARAT PLATFORM
   
   Orchestrate payments and commerce experiences.
   
   
   Alternative Payments
   
   
   ALTERNATIVE PAYMENTS
   
   Engage more customers and lower the cost of payments.
   
   
   Secure Commerce
   
   
   SECURE COMMERCE
   
   Protect your brand.
   
   
   
   HEADING
   
   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.
   
   HEADING
   
   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.
   
   HEADING
   
   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
   Learn more
   Payment Optimization Checklist
   Learn more
   Payment Optimization Checklist
   Learn more
 * 
   Who we serve
   
   
   WHO WE SERVE
   
   RETAIL
   
   GROCERY
   
   TECHNOLOGY
   
   GAMING
   
   PLATFORMS & MARKETPLACES
   
   FRANCHISORS

 * Developers
   
   
 * Insights
   
   

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   Country Selector
   
   COUNTRY SELECTOR
   
   NORTH AMERICA (ENGLISH)
   
   ASIA PACIFIC (ENGLISH)
   
   EUROPE, MIDDLE EAST & AFRICA (ENGLISH)
   
   BRAZIL (PORTUGUÊS)

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STORED VALUE AND LOYALTY

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



Contact Us


ACROSS INDUSTRIES, SOME OF THE WORLD’S LARGEST BUSINESSES TAP INTO OUR GIFT AND
LOYALTY EXPERTISE






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.





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

Consumer Survey

HOW GIFT CARDS DRIVE EMPLOYEE PRODUCTIVITY AND RETENTION

Consumer Survey

CONSUMERS EXPECT ANOTHER EXPENSIVE HOLIDAY SEASON

Buyers Survey

THE TRENDS AND PREFERENCES OF CORPORATE PREPAID INCENTIVE PROGRAM LEADERS




Sponsored Whitepaper

DIGITAL HAS BENEFITS IN LOYALTY AND REWARDS PROGRAMS

Podcast

IT’S A GIFT: THE HIDDEN BENEFITS OF PREPAID CARDS

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


 * 
 * 
 * 

© 2024 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; and Pathward, N.A., Sioux Falls, SD.

 * About Fiserv
 * Investors
 * Careers

 * Payments 101
 * Developers
 * Contact

 * Legal
 * Privacy Notice
 * Site Map



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