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Carat (Fiserv)

Carat (Fiserv)

Enterprise Commerce Platform

VS

Billmate

Swedish e-commerce

Billmate
Fees from
Custom vs 1.4% + SEK 3
Features

0 shared

1 unique to Carat (Fiserv) · 1 unique to Billmate
Regions

1 shared

2 unique to Carat (Fiserv)
Pay methods

3 shared

11 unique to Carat (Fiserv) · 3 unique to Billmate
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 17 payment methods · 3 regions. We don't rank these — they're here for reference.
Carat (Fiserv) Carat (Fiserv)
Billmate Billmate
Quick Facts
Fees
Standard transaction rate
Custom
1.4% + SEK 3
Settlement
Time to receive funds
—
14–30 business days
Founded
2021
2012
Headquarters
United States
Malmo, Sweden
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Carat (Fiserv) leads (14 vs 6)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bnpl
✓
✓
Contactless Unique
✓
—
Direct Debit Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Invoice Unique
—
✓
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Samsung Pay Unique
✓
—
Swish Unique
—
✓
Venmo Unique
✓
—
Visa
✓
✓
Regions
Carat (Fiserv) leads (3 vs 1)
Asia Unique
✓
—
Europe
✓
✓
North America Unique
✓
—

Carat (Fiserv) is best when you...

Enterprise Commerce Platform
Need Enterprise
Not available with Billmate
Want coverage in Asia, North America
Billmate doesn't cover these regions
View Carat (Fiserv)

Billmate is best when you...

Swedish e-commerce
Need Startup Friendly
Not available with Carat (Fiserv)
View Billmate

Frequently Asked Questions

What is the difference between Carat (Fiserv) and Billmate?
They share 3 payment methods and 1 region. Carat (Fiserv) adds ACH, Amex, Apple Pay and 8 more that Billmate does not list; Billmate adds Installments, Invoice, Swish that Carat (Fiserv) does not list; Carat (Fiserv) also covers Asia, North America; only Carat (Fiserv) offers Enterprise.
Which is cheaper, Carat (Fiserv) or Billmate?
Carat (Fiserv) has custom pricing quoted on engagement; Billmate has published rates from 1.4% + SEK 3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Carat (Fiserv) and Billmate?
Carat (Fiserv) lists 3 regions and 14 payment methods; Billmate lists 1 and 6. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Carat (Fiserv) and Billmate compare on integration and settlement?
both offer a sandbox; both support webhooks; Billmate publishes a settlement time of 14–30 business days.

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