Fiserv builds payments and financial technology for banks, credit unions, merchants, and billers, including merchant acquiring, card issuing, core banking, and digital banking platforms. It earns revenue through transaction processing, software licensing, and managed services across POS (Clover), bill pay, ACH and card networks, and risk/compliance. The public company is headquartered in Milwaukee, trades on NASDAQ/BMV, acquired First Data in 2019, and serves clients in more than 100 countries.