Fiserv

Fiserv operates a B2B fintech infrastructure model. It supplies payment processing and orchestration, billing and communications software, embedded finance capabilities, developer access, data aggregation and marketplace distribution tools to enterprises, banks, fintechs and software partners. Value is created by abstracting payment complexity, improving transaction performance, integrating into existing finance and banking systems, and enabling partners to launch or monetise financial services more quickly. Revenue is generated from recurring platform relationships plus usage tied to payment volume, API consumption, partner activity and managed operations.

Fiserv is a US-listed financial technology company that provides payments infrastructure, software and managed services to merchants, financial institutions, fintechs, software providers and enterprise finance teams. Based on the supplied product set, its core activities include payment gateway and orchestration, bill payment and presentment, embedded finance, financial data aggregation, developer tooling and fintech app distribution. It sells primarily to businesses rather than end consumers, even where its products support consumer-facing payment journeys.

The company makes money through a mix of transaction-based payment fees, recurring software and platform charges, usage-based API and processing fees, licensing and managed service fees. Its value proposition is to help enterprises and financial institutions embed, route, reconcile and monetise payments and related financial workflows through a combination of infrastructure, software and partner ecosystem access.