Universal Commerce

Create unique, frictionless consumer experiences across virtually all payment methods, channels, devices and partners - on a global scale.

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Say Hello to Revenue Through Innovation

14 of the top 20 global brands use us to power their digital commerce experiences. Our omni-channel technology, industry expertise and actionable data insights create a unified customer journey that helps drive loyalty and revenue growth.

Powering Global Brands

A Seamless Connection to Outpace Consumer Expectations

In today's connected world, merchants need to delight their customers across the full digital landscape. We offer a seamless customer experience across channels through a single integration.


Ongoing Value & Rewards


On-Demand Fulfillment


Frictionless, Anywhere, Real-Time


Personalized Service


Memorable Experiences

Power New Experiences for Unlimited Opportunities

Design revenue-generating customer experiences that focus on your brand. Tap into 300 million connected consumers through our commerce ecosystem.

Use Case #1 — Leaving work and hungry for dinner.

Revenue innovation: Leverage technology, geo-location and differentiated app capabilities to create frictionless and delightful customer experiences.

  • Remote Ordering
  • Offers & Rewards
  • Line Busting
  • Geo-Location
  • Cloud Authorization
  • Fraud Prevention

Use Case #2 — Driving home and low on gas.

Power of partnerships: Leverage emerging automotive and IoT capabilities, plus the merchant ecosystem, to create seamless omni-channel experiences.

  • Remote Ordering
  • Offers & Rewards
  • Cloud Authorization
  • Indoor Pay
  • Fraud Prevention

Partnering for Success


Revenue Growth

We helped increase mobile ticket size by 30% for a large, taco-loving QSR, resulting in $48 million in revenue.*

*Individual results may vary.


Revenue Growth

We helped increase average ticket size for a large grocery chain that moved orders to new digital apps, resulting in over $100 million in revenue.*

*Individual results may vary.


Cost Savings

We helped reduce mobile fraud for a petro giant by 33%, resulting in $7.5 million in cost savings.*

*Individual results may vary.

Single Integration for Simple and Easy Connections

Across any vertical, our all-in-one, cloud-based platform and modern APIs consolidate hundreds of services and vendors into a single hub. We manage third-party providers, so you can focus on growth and profit.

Examples of

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Connected Consumer

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Any IoT Configuration

Personal Assistant
Connected Car
Smart Home
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Fiserv cloud integrates commerce technology through single entry point, including third-party solutions.

Enterprise Optimization & Intelligence

Authorization Optimization
Least Cost Routing
Reporting & Analytics
Enrollment Vault & Tokenization
Fraud Management&Device Authentication
Back Office&Site Connectivity Management

Direct Consumer Engagement

Mobile Authorizations
Payment Methods & Currencies
Loyalty & Offers
Digital Gifiting
Digital Wallets
Security & Fraud

Actionable Data, Streamlined Reconciliation

We process 10+ billion transactions across the globe. By leveraging our scale, relationships and expertise, we provide data and streamline reconciliation, so you can quickly gain visibility into critical components of your business and make actionable decisions.

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Back Office & Settlement

Simplify transactions, increase profits and optimize performance with alway-on, secure multi-MID innovations. There is no need for separate card-not-present MIDs.

Reporting Tools

Real-time authorization approval dashboard allows you to visually interpret and analyze key aspects of business operations and set custom alerts.

Scalable Solutions for Modern Commerce

Turn payments into a competitive advantage. Our comprehensive portfolio of global, end-to-end solutions are designed to help you grow revenue, increase efficiency and build customer loyalty.

Large Business Solutions

Discover and Share Global Digital Commerce Ideas