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Sankey diagram of Fiserv Inc. A complete text table follows the diagram.
Clover-centered merchant commerce and bank infrastructure contribute nearly equal revenue, but their internal economics and current momentum differ
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Every flow is an exact reported business-line revenue amount reconciling to its reported segment. The editorial selection maps Fiserv's merchant-commerce and financial-infrastructure networks; no allocation was modeled.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Merchant Solutions | 1 | $2.4B | Commerce enablement for merchants |
| Financial Solutions | 1 | $2.3B | Infrastructure for financial institutions |
| Corporate & other | 1 | $352M | Primarily postage and other activities |
| Small Business & Clover | 2 | $1.6B | 68% of Merchant revenue |
| Enterprise commerce | 2 | $512M | Omnichannel systems for large businesses |
| Merchant processing | 2 | $252M | Banks, alliances and resellers |
| Digital payments | 2 | $947M | Debit, bill pay and money movement |
| Card issuing | 2 | $769M | Credit, prepaid and card production |
| Core banking | 2 | $586M | Loan, deposit and digital banking systems |
| Corporate and postage revenue | 2 | $352M | Outside the two operating segments |
| From | To | Value |
|---|---|---|
| Merchant Solutions | Small Business & Clover | $1.6B |
| Merchant Solutions | Enterprise commerce | $512M |
| Merchant Solutions | Merchant processing | $252M |
| Financial Solutions | Digital payments | $947M |
| Financial Solutions | Card issuing | $769M |
| Financial Solutions | Core banking | $586M |
| Corporate & other | Corporate and postage revenue | $352M |