ACI Retail Commerce Server

ACI Retail Commerce Server is an integrated software solution to acquire, authenticate, route, switch and authorize financial transactions across multiple channels. Retail Commerce Server provides a full range of functionality to support payment transactions — both traditional, mainstream transactions, such as debit and credit at the point of sale (POS), as well as newer types of transactions, which include mobile commerce and internet banking.

Retail Commerce Server offers a comprehensive electronic payment and authorization system that facilitates a broad range of business applications, including automated clearing house (ACH); check and refunds authorization; credit, debit and electronic benefits transfer (EBT) processing; phone card activation; value card fulfillment; issuance and redemption; and loyalty cards and program management.

Key benefits

  • Increase profitability

    Eliminate duplicate functionality and provide a single point of integration to back-office systems
  • Open methods and widely used middleware standards

    Enable organizations to add support for new delivery channels without disrupting existing operations
  • Enhance customer service

    Integrate real-time data from multiple sources within the enterprise to allow for a more complete view of each customer
  • Improve flexibility

    Leverage off-the-shelf support for leading card types, devices, acquirers, networks and host systems, improving speed-to-market 
  • Improve customer loyalty

    Tailor authorization decisions by customer type to provide more personalized services
  • Reduce risk

    Authorize transactions based on data from a variety of sources across the enterprise, including real-time transaction processing, host and customer relationship management (CRM) systems providing strong risk management capabilities for fraudulent transactions, credit risk, potential bad debt and the reduced credit-worthiness of customers
  • State-of-the-art object technology enables software reuse for rapid development of new functionality and engineered for scalability, accommodating growth in transaction volumes

Additional information

  • Retail Commerce Server has demonstrated the capability of processing in excess of 2,400 transactions per second on a variety of platforms