ACI Interchange is the central transaction router for ACI Issuer and ACI Acquirer for processing all incoming and outgoing monetary transactions and maintaining a central transaction database.
ACI Interchange also manages the clearing and settlement interfaces with the major International payment schemes, ensuring ongoing compliance with Visa, MasterCard, JCB and Amex, as well as with additional networks such as domestic payment schemes.
Built around a common core and based on the ISO 8583 (93) specification, ACI Interchange contains separate and independent processes for passing clearing and settlement data to and from each of the international networks. This design greatly facilitates the implementation of compliance upgrades and the introduction of new interfaces.
ACI Interchange supports incoming and outgoing clearing processes for credit, debit and prepaid card transactions. This includes all transactions initiated through EMV and magnetic stripe payment cards. When integrated with ACI Issuer or ACI Acquirer, ACI Intechange creates a complete card issuance or merchant acquiring solution.
The receipt of and entry of dispute transactions (chargebacks, representments, etc.) is also managed through ACI Interchange.
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