ACI Worldwide customers are accelerating the convergence of their payment systems to better manage business results through important industry dynamics such as:
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Regional and global expansion to grow market share
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Regulation around the relationship with retailers and consumers
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Increasing customer loyalty through efficient and personalized payment services
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Combating fraud across all product lines
With the drive to move more and more transactions to electronic forms, leading banks, processors and retailers are creating innovative products and services while ensuring they have the flexibility to respond to mandated changes.
ACI Worldwide is singularly capable of helping banks, retailers and processors achieve this leadership position. Banks and processors can no longer afford the complexity of managing silos. ACI is able to drive major cost savings for customers through broad efficiency gains across all payment types.
ACI’s BASE24-eps allows customers to remove silos and gain efficiency. Being able to define your unique requirements through configuration or through easily maintained scripting logic gives your systems increased flexibility and responsiveness.
Consolidating all your card and retail transaction processing into a single platform further reduces the cost and complexity of your payments environment.
With the addition of ACI Proactive Risk Manager, fraud detection can be consolidated to give an enterprise view of the customer as well as incorporating real-time risk management into the authorization process.
With ACI Issuer and ACI Acquirer the full card and merchant management functions are available for whatever size of organization consolidating credit, debit and prepaid management into a single solution enabling your innovative product offerings. ACI Worldwide can support your growth into new countries with support for many national, regional and international schemes and networks. ACI’s product support program ensures mandates are applied to these modules so customers will stay compliant at all times.
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Customers range from start-up banks to much larger payments organizations.
- A European switch regularly processes over 30m transactions per day with peak rates over 700 transactions per second.
- An Asian bank drives 1,100 ATMs and 16,000 POS devices processing 38m transactions per month
- A European processor drives 3,000 ATMs for its clients.
- A European financial group is deploying BASE24-eps to support its network of 30,000 ATMs.
- A European retailer authorizes transactions for its 12m cardholders.
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Scripted authorization and the configurability of BASE24-eps gives flexibility.
- A US bank is able to regularly update authorization rules to better control risk.
- A US processor deployed sophisticated card program rules restricting merchant category codes, countries, transaction sources etc.
- A European bank used scripting to implement purchasing controls for mobile top-up transactions setting limits at the merchant and merchant group levels.
- Various customers use scripting to filter transactions for ‘real-time’ fraud checking with rapid adjustment as new fraud sources appear.
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BASE24-eps is designed to be extended to support more than the standard transactions.
- A Middle Eastern bank has implemented utility bill payments and local and international funds transfers.
- A processor in North America uses the product to authorize pre-paid cards for the retail and telco industries.
- A processor in Latin America uses the product to authorize pre-paid luncheon cards.
- Banks in Asia have enabled transactions such as real-time transfers and the purchase of airline tickets.
- UK banks use BASE24-eps for Faster Payments Service which are non card based transactions.
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BASE24-eps is an integrated payment engine that acquires, authenticates, switches, and authorizes financial transactions across multiple channels.
- BASE24-eps is being used to consolidate ATM acquiring, POS acquiring and issuer processing into a single solution.
- Some banks are extending their ATM or POS systems to branch, internet and mobile transactions.
- A Middle East bank has used BASE24-eps as a hub covering all its customers across the region as well as providing links to 5 regional networks.
- An Asian card issuer is consolidating its global card processing on BASE24-eps replacing all regional systems.
35 years of global payments experience gives ACI Worldwide the depth of expertise to support developments in payments, such as EMV, NFC and pre-paid, as they are introduced at different times in different parts of the world.
At ACI Worldwide we ensure our customers are able to make their payments systems a strategic part of their business. We focus on keeping ACI customers ahead of the compliance and security pressures they face which allows them to focus on creating competitive differentiation through new products and services.
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