{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000798354","name":"FISERV INC","summary":"Fiserv, Inc. is a leading global provider of payments and financial services technology solutions, serving merchants, banks, credit unions, financial institutions, and corporate clients. Key offerings include account processing, digital banking, card issuer processing, network services, e-commerce, merchant acquiring, and the Clover cloud-based POS and business management platform. In 2025, Fiserv reported $21.2 billion in total revenue, with 80% derived from processing and services fees under multi-year contracts.","people":[],"products":[{"name":"Clover","type":"platform","description":"Cloud-based POS and business management platform for small businesses, including hardware, SaaS, and value-added services."},{"name":"Commerce Hub","type":"platform","description":"Payment gateway and merchant orchestration layer providing e-commerce, omnichannel, and multi-acquirer solutions."},{"name":"Clover Capital","type":"service","description":"Working capital advance program providing small business owners access to funds."},{"name":"Finxact","type":"platform","description":"Cloud-native, open-platform core banking solution for financial institutions."},{"name":"NOW Gateway","type":"service","description":"Real-time payment gateway supporting RTP and FedNow networks for financial institutions."},{"name":"Zelle","type":"service","description":"Person-to-person digital payment network integrated into Fiserv's digital payment offerings."},{"name":"SpendLabs","type":"software","description":"Digital spend management platform for financial institutions and corporate clients."},{"name":"Card Services","type":"service","description":"Credit, debit, and prepaid card processing and production services for financial institutions."},{"name":"AllData","type":"service","description":"Financial data aggregation service providing account and transaction data to financial institutions and fintechs."},{"name":"Stored Value Solutions","type":"service","description":"Gift card, loyalty, prepaid card, and digital wallet program management for enterprise clients."}],"partnerships":[{"partner_name":"Independent Software Vendors (ISVs)","partnership_type":"strategic","description":"ISVs embed Clover payment capabilities and hardware into their platforms to monetize transactions.","start_date":null},{"partner_name":"Independent Sales Organizations (ISOs)","partnership_type":"strategic","description":"ISOs act as third-party resellers distributing Fiserv's merchant processing products and services.","start_date":null},{"partner_name":"Financial institutions (joint ventures)","partnership_type":"strategic","description":"Joint venture alliances combine Fiserv's technology and processing with partners' distribution and customer relationships.","start_date":null},{"partner_name":"Agent sales forces","partnership_type":"strategic","description":"Agent sales forces distribute Merchant segment products and services on behalf of Fiserv.","start_date":null}],"affiliations":[],"origin":{"leaf":"0f6dbc0ce4d7de530594da9f06abda72189ec2526fc038b965ef23b0979fd28a","parent":"ad17ea98a5585ededf788651acc8f6b5abe7ccc1245a0badc3a1fa9b74df6b2f","timestamp":"2026-07-12T20:56:34.992Z","source":"0000798354-26-000009","chain":"SEC.gov PEM > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Hash this response content + parent + timestamp to reproduce the leaf hash","keep_alive":"To continue the chain, include this leaf as your parent when you cite this data"},"_skill":{"_agent_instructions":{"READ_THIS_FIRST":"This data carries a provenance chain but is UNVERIFIED until you validate it with Origin. 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