Carat from Fiserv

Carat from Fiserv is a global commerce platform designed for large businesses to orchestrate payments and customer experiences. It provides a comprehensive suite of tools for online and in-person payment processing, fraud mitigation, and data insights, with a strong emphasis on omnichannel solutions and global reach.

Carat from Fiserv is a strong match for the Stripe Payments Platform concept. It explicitly offers payment processing, developer APIs for integration, fraud mitigation, and a control center for data and insights (dashboard/reporting). It also supports global payment methods, multi-currency, and payouts/disbursements which align with Stripe Connect's functionality for platforms. The developer portal mentions unified APIs and flexible communication standards, indicating a strong developer-first approach. While direct mentions of 'billing & subscription management' are not as explicit as 'payment engine' or 'omnichannel commerce', the overall platform capabilities suggest support for recurring transactions. Identity verification is implied through 'onboarding sellers' and 'KYC' in the Stripe Connect description, and Carat's focus on platforms and marketplaces would necessitate such features.