Fiserv’s acquisition of CardFree brings a new suite of loyalty and payment options tailored to restaurants. By integrating CardFree’s mobile ordering, pay and loyalty platform into Fiserv’s ecosystem, merchants can now embed seamless reward programs directly into ordering flows, reducing friction and deepening engagement. CardFree’s technology allows restaurants to offer integrated loyalty, rewarding customers automatically at checkout, whether they order in-venue, via kiosk or through delivery partnerships. For hotel operators, loyalty is equally critical to guest retention and spend. The integration of CardFree into Fiserv can extend to lodging, enabling hotels to embed loyalty offers directly into guest interactions, whether ordering room service, checking out via kiosk or engaging with property management systems. With third-party software integration capabilities, Fiserv now supports loyalty programs that travel across guest touch points, making each stay more rewarding and reinforcing brand preference in a competitive hospitality landscape. Moreover, CardFree’s drive-thru and kiosk functionality also serves restaurants and hotels operating quick-service or grab-and-go models. Guests ordering through a drive-thru window or self-ordering kiosk can be rewarded in real time. Through the deal, Fiserv’s Clover gains enhanced loyalty capabilities, from mobile pay-and-earn flows to kiosk-based redemption, housed within Clover and Commerce Hub.