ACI Retail Commerce Server allows merchant retailers to tailor their payment acceptance strategy to maximize profits, manage transaction fees and optimize the customer purchase experience. Its platform independence provides relief from common application and hardware compatibility issues and it also offers first-in-class protection of customer-sensitive transaction data and positions retailers to obtain PCI (Payment Card Industry) compliance.
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.
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
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
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
Retail Commerce Server has demonstrated the capability of processing in excess of 2,400 transactions per second on a variety of platforms