Fiserv, Inc.

Empower merchants with a customizable, scalable omnichannel payment solution.

Streamline and enhance payments processing with optimal agility and security.

Enhance efficiency and revenue through unified payments and embedded finance solutions on the Commerce Hub.

Empowers software vendors to integrate and monetize payments seamlessly.

Empowers fintechs with real-time banking and payment capabilities.

Connect Fintech Solutions to Thousands of Financial Institutions.

Enhance analytics and decision-making with comprehensive data aggregation capabilities.

Enhances financial service delivery through secure, scalable API access and flexible integrations.

Optimize payment experiences with seamless orchestration across multiple providers.

End-to-end acceptance of online, in-app, and in-store payments with local acquiring, unified commerce capabilities, payment data and financial management, and machine-learning optimization to improve conversions and support market expansion.

Products: Acquiring as a Service, Integrated Payments for ISVs

Centralized control over payment flows, routing and processor coordination to streamline integrations, improve visibility, and optimize transaction routing across multiple payment providers.

Products: Commerce Hub for Payment Orchestration, Commerce Hub for Platforms, Enterprise Payments Platform

Programmatic financial infrastructure and APIs enabling platforms to embed account onboarding, connected accounts, card issuing, payouts, and payment orchestration into their products.

Products: Commerce Hub for Platforms, Fintech Ledger, AppMarket from Fiserv, Open Banking

Open banking integrations that provide instant account verification, balance checks, account linking, and unified bank connectivity for onboarding and payments.

Products: Data Aggregation, Open Banking

Support real-time payment initiation, routing, FX conversion, and settlement across SWIFT, SEPA, local schemes and multiple rails with smart orchestration.

Products: Enterprise Payments Platform, Fintech Ledger

Acquiring as a Service

Acquiring as a Service is a brand‑customised, end‑to‑end merchant acquiring solution that connects merchants to a modern omnichannel payments toolkit. It includes digital onboarding, omnichannel payments and a merchant payment portal with extensive data insights, plus access to the latest point‑of‑sale software and hardware. The service supports over 150 currencies and can be deployed in multiple languages. Designed to scale with growing businesses, the service can be delivered as a fully serviced solution or as a modular service, with built‑in risk and fraud controls. Brand customization helps businesses own relationships with merchants and their customers.

• Reduce Fraud Exposure
  Minimize risk through advanced fraud detection and prevention mechanisms built into the service.
• Own Relationships With Merchants
  Enhance client relations through a tailored experience that retains your brand identity.
• Leverage Data Insights
  Access comprehensive analytics to make informed decisions and optimize services.
• Facilitate Seamless Payments
  Support diverse payment methods through a single integrated platform for a consistent customer experience.
• Simplify Merchant Onboarding
  Accelerate the onboarding process with fully online registration for ease and efficiency.
• Utilize Cutting-Edge Technology
  Ensure merchants are equipped with the latest payment technology to enhance transaction efficiency.

Enterprise Payments Platform

Enterprise Payments Platform is a cloud‑ready, real‑time, regional‑or global‑payment platform that uses modular APIs and an open architecture to work with existing and future solutions. It supports regional and global deployments and a broad set of market infrastructures, enabling payments across channels and types on a single cohesive platform. It emphasizes data‑driven personalization and governance for security and compliance.

• Process Payments Seamlessly
  Delivers immediate transaction processing across various channels and payment types for enhanced user experience.
• Wide Payment Acceptance
  Facilitates transactions across multiple established payment networks, ensuring broad usability and reach.
• Deploy Worldwide
  Supports operations in various regions, adapting to local regulations and currencies.
• Integrate Flexibly
  Easily connects with existing systems and scales alongside future needs using modular API solutions.
• Leverage Customer Insights
  Utilizes comprehensive data analytics to drive personalized customer interactions and refine decision-making.
• Customize Offering
  Allows businesses to enhance their platform's functionality with tailored plug-ins to meet specific operational requirements.

Commerce Hub for Platforms

Commerce Hub for Platforms provides unified access to payments and embedded finance capabilities for platforms. It features a modular platform design with a standard API and flexible integrations, built-in monetization through payments, payouts and embedded financial products, and improved buyer and service provider experiences. The solution offers end-to-end control at scale with configurable settlements, splits, funds holding and centralized reporting, plus fast onboarding for service providers and global compliance support.

• Monetize Money Movement
  Turn money movement into a key revenue feature by optimizing payments and utilizing embedded finance products.
• Manage Complex Commerce
  Gain full control over multi-party transactions with adaptable settlement options and consolidated reporting.
• Integrate Financial Products
  Offer integrated accounts, lending products and more to enhance user engagement.
• Accelerate Time-to-Revenue
  Quickly set up service providers to enhance revenue streams efficiently.
• Improve User Experience
  Provide buyers and service providers with reliable and diverse payment options, improving satisfaction.
• Adapt and Scale
  Seamlessly scale your platform's capabilities with a modular and flexible system that grows with your needs.

Integrated Payments for ISVs

Integrated Payments for ISVs enables software vendors to integrate and monetize payments within their platforms. It follows a three-stage approach—Integrate, Monetize, Grow—supported by dedicated partner resources. The solution covers online and in‑person payments, and offers value‑added services, use cases and partner support to help ISVs scale payments within their software.

• Facilitates Swift Integration
  Get up and running quickly with our suite of integration tools designed for easy adoption.
• Unlocks New Revenue
  Transform the way you earn by monetizing payments directly through your software.
• Accelerates Business Growth
  Leverage expert resources for marketing and sales to boost your software’s payment adoption.
• Streamlines Online Transactions
  Create an efficient payment experience for users with integrated online payment solutions.
• Facilitates In-Person Experiences
  Design flexible, seamless in-person payment experiences across various devices.
• Enhances Software Functionality
  Go beyond payments to provide a comprehensive suite of services that add significant value.

Fintech Ledger

Fintech Ledger provides a real‑time ledger to support banking and payment activity, including secure credit, personal loans and mortgages. It serves as a foundation for fintech‑centric payment and lending offerings, enabling fintechs to manage and move money effectively.

• Supports Secure Credit And Loans
  Enables fintechs to offer a wide range of lending solutions, enhancing their service offerings and meeting consumer needs.
• Tracks Banking And Payment Activities
  Provides immediate visibility into transaction flows, aiding better financial oversight and decision-making.
• Connects To Banking Ecosystems
  Facilitates seamless integration with existing banking infrastructures, allowing for a streamlined user experience and better financial services.
• Integrates Financial Services In Applications
  Enhances user engagement by providing financial functionalities within users' existing applications, streamlining their overall experience.
• Facilitates Custom Integrations
  Allows fintechs to innovate and deliver tailored services quickly by leveraging comprehensive APIs.

AppMarket from Fiserv

AppMarket from Fiserv enables fintechs to connect to thousands of financial institutions and merchants via Fiserv APIs, offering distribution and monetization opportunities. It provides a marketplace-driven path to scale fintech offerings through an established ecosystem.

• Enable Swift Integration
  Developers can effectively utilize APIs for seamless integration of various fintech solutions, expediting time-to-market.
• Expand Market Reach
  Fintechs can offer their services to a vast network of established financial institutions and merchants, broadening their customer base.
• Generate Revenue Streams
  Fintechs leverage the platform to create multiple revenue channels by targeting diverse financial service providers.
• Enable Seamless Transactions
  Fintechs can enhance user experiences by embedding financial tools and services, leading to higher customer satisfaction and retention.

Data Aggregation

Data Aggregation solutions connect data from thousands of sources to enable richer analytics, improved risk assessment and faster decisions across lending, wealth, fintech and payments. It includes components such as AllData PFM, VerifyNow and All Data Connect, with specialized aggregations for lending, wealth management and fintech use cases.

• Links Data Sources
  Connects various data sources for seamless aggregation and improved analytics.
• Tailors Solutions for Fintechs
  Specifically designed solutions that help fintechs efficiently leverage data.
• Supports Lending Decisions
  Enhances credit evaluation processes via precise data integration.
• Enhances Wealth Management
  Improves investment strategies through unified data access.
• Enables Personal Finance Management
  Equips users with insights to effectively manage their finances.
• Faster Account Verification
  Accelerates user onboarding while effectively assessing risks.

Open Banking

Open Banking capabilities enable secure, scalable access to financial data through APIs, supporting platforms, fintechs and banks. The Open Banking offering includes AppMarket integrations and Communicator Open to enable secure, programmable data sharing and monetization across ecosystems.

• Access Third-Party Solutions
  Leverage a broad range of third-party applications to enhance service offerings and customer experience.
• Provide Secure API Access
  Offers a robust set of APIs that ensure secure access to financial information, enabling innovation and integration.
• Ensure Compliance and Safety
  Maintains high security standards to protect sensitive financial data and ensure compliance with regulations.
• Enable Programmable Data Sharing
  Facilitates seamless and secure sharing of financial data across various platforms to enhance customer engagement.
• Support Diverse Client Needs
  Designed to grow alongside fintechs and financial institutions, accommodating diverse operational scales.

Commerce Hub for Payment Orchestration

Commerce Hub for Payment Orchestration provides unified access to payments and embedded finance capabilities to orchestrate payments across multiple providers. It emphasizes modular, API-driven design, flexible integrations and end-to-end control over multi-provider payment flows.

• Enhance Customer Experience
  Provide seamless payment experiences across channels, improving customer satisfaction and retention.
• Integrate Financial Services
  Enable platforms to offer financial products directly, enhancing user engagement and revenue generation.
• Manage Payments Efficiently
  Customize and oversee payment flows, ensuring compliance and transparency in multi-provider environments.
• Adapt Quickly to Changes
  Seamlessly integrate new functionalities and adapt service offerings without major disruptions.
• Accelerate Time to Market
  Streamline the provider setup process, reducing friction and enabling quicker revenue realization.
• Maximize Revenue Streams
  Enhance service provider satisfaction with flexible payout options and faster funds delivery.