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What is Carat?

Our comprehensive omnichannel commerce solutions enable businesses to explore new markets and grow globally without the limitations imposed by borders, currencies, or outdated perspectives. By utilizing Carat’s all-encompassing commerce engine, the entire transaction process becomes seamless, straightforward, and secure. We have woven our suite of solutions into a powerful technological ecosystem that simplifies commerce development. Our continuously available APIs offer more than 30 essential and advanced features, including an intelligent routing system and a robust business logic layer. A cohesive integration connects financial institutions, merchants, experience providers, and others, providing the opportunity to create a wide array of commerce possibilities. As we persistently refine our commerce ecosystem and enhance our technological framework, we ensure our clients stay at the forefront of a swiftly changing market environment. This dedication to innovation not only helps us adapt to new trends but also allows us to effectively address the dynamic requirements of our clients. Ultimately, our goal is to foster a thriving marketplace where businesses can flourish.

What is First Data?

In the current banking environment, there is a growing demand from customers for customized and convenient services, leading financial institutions to partner with First Data to elevate the quality of every customer engagement. By implementing First Data's intuitive banking solutions, these institutions can effectively cater to their clients' needs for enhanced convenience, leveraging technology that simplifies transactions and strengthens security measures. This collaboration not only fosters deeper customer relationships but also uncovers new avenues for growth through a wide array of solutions designed for both merchants and consumers. Our cutting-edge products provide financial institutions with the means to deliver an electronic commerce experience that is seamless, rapid, secure, and intelligent. The journey toward personalized banking begins here, as First Data presents a consolidated processing platform that accommodates various payment cards, loans, prepaid accounts, and commercial card offerings. Furthermore, First Data’s OmniPay technology distinguishes itself as the ideal choice for affordable and effective payment processing across multiple currencies and countries. With such a broad spectrum of services, First Data empowers financial institutions to excel in a competitive landscape while continuously adapting to evolving customer expectations. This ongoing commitment to innovation and customer satisfaction positions First Data as a leader in the financial technology sector.

Media

Media

Integrations Supported

ACCEO Retail-1
APEXX
Advantage
Chargeback Defense
Freedom Merchants
Lariat Collections Platform
Learning ExpressCE
Lightning Online POS
MANTL
MENU
Midigator
Milano Commerce
Milano Spa
OnPrintShop
PredictSpring
SOLVR
SellersCommerce
SmartPOS by Petrosoft
USAePay
Winpharm

Integrations Supported

ACCEO Retail-1
APEXX
Advantage
Chargeback Defense
Freedom Merchants
Lariat Collections Platform
Learning ExpressCE
Lightning Online POS
MANTL
MENU
Midigator
Milano Commerce
Milano Spa
OnPrintShop
PredictSpring
SOLVR
SellersCommerce
SmartPOS by Petrosoft
USAePay
Winpharm

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Fiserv

Date Founded

1984

Company Location

United States

Company Website

merchants.fiserv.com/en-us/products/merchants/carat/

Company Facts

Organization Name

First Data

Date Founded

1971

Company Location

United States

Company Website

www.firstdata.com/en_br/products/financial-institutions-br.html

Categories and Features

eCommerce

CRM
Catalog Management
Channel Management
Customer Accounts
Data Security
Email Marketing
Inventory Management
Kitting
Loyalty Program
Mobile Access
Multi-Store Management
Order Management
Product Configurator
Promotions Management
Returns Management
Reviews Management
SEO Management
Shopping Cart
Templates

Categories and Features

Banking

ATM Management
Compliance Tracking
Corporate Banking
Credit Card Management
Credit Union
Investment Banking
Multi-Branch
Online Banking
Private Banking
Retail Banking
Risk Management
Securities Management
Transaction Monitoring

Payment Processing

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

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