Fiserv
Fiserv is a global financial technology company providing a broad range of financial services and software solutions to businesses, financial institutions, and government agencies. Founded in 1984 and headquartered in Brookfield, Wisconsin, Fiserv is one of the largest providers of financial technology solutions in the world.
Its offering spans payment processing, electronic bill payment and presentment, fraud detection and prevention, risk management, plus software for core banking, lending and compliance, and wealth management. Fiserv operates in over 150 countries and serves thousands of clients across banking, insurance, credit unions and investment firms.
WS Financial partners with Fiserv to deliver enterprise-grade payment infrastructure to operators in regulated, high-risk verticals — combining Fiserv's global rails with a hands-on, locally accountable merchant experience.
WS Financial offers its payment services as a sub-acquirer under Fiserv.
Flagship platforms
Carat — global enterprise commerce platform
Fiserv's omnichannel commerce operating system for large enterprises. Carat consolidates acquiring, alternative payment methods, tokenisation, fraud, dispute management and reporting behind one set of APIs — letting global brands run a unified payment stack across web, in-store, mobile and emerging channels.
Clover — small-business commerce
Fiserv's point-of-sale and SMB commerce solution. Clover ships hardware, payments, business management software and an app marketplace as a single product — millions of small businesses globally use it to accept cards, manage staff, run loyalty and reconcile takings.
Core banking & financial services software
Beyond merchant acquiring, Fiserv is one of the largest core-banking, lending, electronic bill payment and wealth-management software providers in the world — the same vendor that powers 80% of Australian financial institutions also powers the global rails WS Financial operators settle on.
Fiserv at scale
Recognised globally
Named a FORTUNE World's Most Admired Company® eight years in a row — a recognition reserved for the most consistently high-performing companies in their industry.
Servicing the retail FX space
Seamless integration
Traders integrate with one of Fiserv's preferred gateway partners. Every gateway provides a PCI Level 1 compliant infrastructure, latest-generation card tokenisation, and a virtual-terminal solution that turns any PC into a payment terminal. Simple API documentation makes direct e-commerce integration straightforward.
Multi-currency settling
With a successful legal opinion in place, brokers can settle transactions in multiple currencies — matching client preferences and removing FX friction from cross-border trading.
Original Credit Transactions (OCTs)
OCTs are the modern rail for funding and withdrawing from trading accounts. Pushing winnings back to a tokenised card removes the need to re-validate a bank account against the cardholder name, lowering the underlying AML/CTF burden while improving trader experience.
Merchant Choice Routing
Australia's local debit network EFTPOS is enabled as a scheme inside Fiserv's IPG gateway. ~90% of Australians choose to pay with EFTPOS online, and routing eligible transactions through EFTPOS materially lowers merchant fees compared to international schemes.
Deep reporting & analytics
Comprehensive reports give brokers visibility into transaction data, customer behaviour and financial performance — enabling trend detection, operational optimisation and growth decisions grounded in real numbers.
Local presence with a global reach
Fiserv operates across 150+ countries with direct acquiring in 50+ markets. The footprint covers every region operators ask about, with local relationships in each.
- Canada
- United States
- Argentina
- Brazil
- Chile
- Colombia
- Dominican Republic
- Mexico
- Panama
- Uruguay
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Gibraltar
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Monaco
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- United Arab Emirates
- United Kingdom
- Australia
- China
- Hong Kong
- Japan
- Malaysia
- New Zealand
- Philippines
- Singapore
- South Korea
Fiserv in Australia & New Zealand
Fiserv has nearly three decades of on-the-ground presence in the ANZ region — and its Australian footprint anchors the rail WS Financial operators rely on in the local market.
Investment roadmap
Fiserv is continuing to invest in the Australian business — building out Interchange++ pricing, multi-currency acceptance, online and in-store smart routing, and smart surcharging.
For WS Financial operators, that means the rail you connect to today is being actively expanded with the features high-volume merchants and regulated-sector brokers actually need.
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