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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
    Learn more
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    Payment Optimization Checklist
    Learn more
  • Who we serve
    Who we serve
    Retail
    Grocery
    Technology
    Gaming
    Platforms & Marketplaces
    Franchisors
  • Developers
  • Insights
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  • Contact Us
Franchise solutions

The future of franchise service is here

Accelerate your growth, scale with confidence, and deliver consistent brand experiences to your customers.

Contact an expert
Words engage, tap to pay, purchase complete

Best-in-class consumer experiences

  • Touch-free payment acceptance
  • Digital commerce enablement across
    channels and devices
  • Physical and digital gift cards
  • GPS-enabled local consumer
    marketing experiences

Safe secure seamless operations

Safe, secure, seamless operations

  • Payment acceptance with built-in
    economies of scale
  • Multi-layered, end-to-end encryption
    and tokenization
  • PCI compliance
  • Digital payroll delivery

Specialized sales

Specialized sales, service, and support model

  • Extensive service and response model
    built for the complexities of franchise
  • Personalized contract issuance and
    management for owners of single locations
    and 100+ locations
  • Process specific to change of ownership
    and add locations

High tech high touch franchise experiences

High-tech, high-touch
franchise experiences

  • Personalized underwriting, onboarding,
    and funding processes for franchises
  • Dedicated program development
    and deployment for a smooth rollout
  • Complimentary demand generation
    marketing for 100% adoption
  • Seamless sales alignment and 1:1
    consultation before, during, and
    after boarding

Slide Controls 1 of 4 Engage
Slide Controls 2 of 4 Protect
Slide Controls 3 of 4 Customize
Slide Controls 4 of 4 Optimize
120+

Franchise brands1

243k+

Franchise locations1

$500m

in omnichannel commerce powered by Fiserv1

Deliver consistent brand experiences

Grow brand loyalty by offering seamless, secure consumer experiences with in-person contactless payment options, online orders, Buy Now, Pay Later, and more.

Get started ›

Clover station franchise

Ideas and inspiration

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How inflation will impact 2023 holiday shopping

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Webinar

Revolutionize productivity with delivery optimization

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Conquering the never-ending fight against payment fraud

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

1Based on 2019-2020 Fiserv performance 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
  • Facebook
  • Twitter
  • 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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