Carat from Fiserv is the global operating system for our enterprise clients – it is the set of services, connections and applications businesses need to thrive. Carat helps our clients create unified customer experiences – connected across devices, channels and geographies. Carat contains a core set of omnichannel commerce solutions, such as payment acceptance, optimization, omnichannel engagement, digital payouts or disbursements. Whether through acceptance of emerging forms of payments such as buy now, pay later or through more sponsor banks as partners, Carat offers more choice. We help protect our client’s brand by the encryption and tokenization of their data and ensuring services are available reliably and at scale. This builds Read more