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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.

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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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  • Who we serve
    Who we serve
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  • Contact Us
Technology payments

Strategies for driving growth for global digital brands

Learn how a phased, integrated digital strategy can help you best meet customer needs and grow your business.

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A trusted partner to the world's largest digital brands

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90+


clients in the technology industry

 

30B+


global eCommerce transactions

 

8/10


of the top technology companies work with us

Modernize payouts for the on-demand economy

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

Simplicity: Rapid deployment with flexible implementation

Speed: Payouts delivered to multiple endpoints in seconds

Choice: Unmatched selection of real-time payout options

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Ideas and inspiration

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Action Plan

Implement an omnichannel action plan

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Podcast

How payments as a ‘product’ help digital ecosystems modernize money movement

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Video

Fraud mitigation designed to help minimize fraud losses, maximize approval rates and revenue

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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.

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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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