Kartera is a branded open banking payment and customer rewards solution proven to increase the ‘Average Over Value’ (AOV) and ‘Repeat Purchase Ratio’ (RPR). Kartera's payment system and rewards engine is designed to complement existing payment infrastructures, reducing reliance on them. By facilitating direct, fast, easy, and secure payments from customers' bank accounts, Kartera helps lower payment processing fees, minimize the duration funds are held, and reduce fraudulent activity to nearly zero, thereby enhancing financial efficiency for businesses. At Kartera, we believe payments can be fair and equitable for all parties involved.