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OVO

OVO

Indonesian market

VS

Carat (Fiserv)

Enterprise Commerce Platform

Carat (Fiserv)
Fees from
Free for consumers vs Custom
Features

0 shared

3 unique to OVO · 1 unique to Carat (Fiserv)
Regions

1 shared

1 unique to OVO · 2 unique to Carat (Fiserv)
Pay methods

1 shared

2 unique to OVO · 13 unique to Carat (Fiserv)
On fees

OVO publishes Free for consumers from. Carat (Fiserv) uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
4 features · 16 payment methods · 4 regions. We don't rank these — they're here for reference.
OVO OVO
Carat (Fiserv) Carat (Fiserv)
Quick Facts
Fees
Standard transaction rate
Free for consumers
Custom
Settlement
Time to receive funds
1–2 business days
—
Founded
2017
2021
Headquarters
Jakarta, Indonesia
United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
OVO leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Carat (Fiserv) leads (14 vs 3)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Contactless Unique
—
✓
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Qr Code Unique
✓
—
Samsung Pay Unique
—
✓
Venmo Unique
—
✓
Visa Unique
—
✓
Regions
Carat (Fiserv) leads (3 vs 2)
Asia
✓
✓
Europe Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
✓
—

OVO is best when you...

Indonesian market
Need Instant Payout
Not available with Carat (Fiserv)
Need Low Fees
Not available with Carat (Fiserv)
Want coverage in Southeast Asia
Carat (Fiserv) doesn't cover this region
View OVO

Carat (Fiserv) is best when you...

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

Frequently Asked Questions

What is the difference between OVO and Carat (Fiserv)?
They share 1 payment method and 1 region. OVO adds Mobile Wallet, QR Code that Carat (Fiserv) does not list; Carat (Fiserv) adds ACH, Amex, Apple Pay and 10 more that OVO does not list; OVO also covers Southeast Asia; Carat (Fiserv) also covers Europe, North America.
Which is cheaper, OVO or Carat (Fiserv)?
OVO has published rates from Free for consumers; Carat (Fiserv) has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use OVO and Carat (Fiserv)?
OVO lists 2 regions and 3 payment methods; Carat (Fiserv) lists 3 and 14. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do OVO and Carat (Fiserv) compare on integration and settlement?
both offer a sandbox; both support webhooks; OVO publishes a settlement time of 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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