Carat is the global commerce platform from Fiserv that orchestrates payments and experiences for the world’s largest businesses. We enable our clients to imagine and realize innovative payment-related experiences that drive revenue growth, such as order ahead, omnichannel wallets, and digital payouts. Carat optimizes commerce by improving payment outcomes, lowering costs, and reducing fraud by leveraging the unique global data pool from thousands of financial institutions and merchants that process across Fiserv systems. We enable 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. Carat is recognized as an industry leader among merchant payment providers by Forrester Research. Honored as the Omnichannel Provider of the Year by The Strawhecker Group. Carat has driven innovation, contributing to Fiserv's recognition as one of the World's Most Innovative Companies by Fast Company.