Carat from Fiserv

Carat from Fiserv
Booth # 5909
New York, NY
United States

Carat is the global commerce operating system from Fiserv. It’s the services, connections, and applications enterprise-sized companies use to run their business. Carat enables our clients to imagine and realize innovative payment-related experiences that drive revenue growth such as pay by plate, staged white label wallets, and digital payouts. By leveraging the unique global data pool from thousands of financial institutions and millions of merchants that process across Fiserv systems, Carat optimizes commerce by improving payment outcomes, lowering costs, and reducing fraud. Carat enables payments in more than 150 countries with global wallets and local payment methods along with an extensive list of alternative payments such as pay-by-bank, buy now pay later, and online EBT.  

In 2022, Carat was recognized as an industry leader among merchant payment providers by Forrester Research, named Omnichannel Provider of the Year by The Strawhecker Group, and powered the innovative experiences that led Fiserv to be selected as a World’s Most Innovative Company by Fast Company.


Payment Enablement

Carat helps merchants engage customers by offering more choice with localized omnichannel experiences. Carat can simplify global payment models by allowing merchants to consolidate acquiring partners, bank sponsors, and funding sources.

Commerce Optimization

​Improve payment outcomes, reduce cost and provide a frictionless payment experience for your customers. With Carat, you can increase approval rates, reduce declines and fraud, and enhance debit performance resulting in lower cost of payments.

Omnichannel Commerce Experiences

Carat allows retailers to create innovative omnichannel payment experiences such as Buy Online, Pick-up In Store (BOPIS), Scan and Go, and Delivery Optimization, on a global scale.

Fraud Mitigation

Carat builds custom models, specifically created for each merchant. Carat proactively prevents fraud by utilizing link analysis to precisely and instantaneously map connections between customers.