In-store payments processing

Any POS application, or payment device such as PIN Pads, that handles sensitive card data is within the scope of PCI. With the evolution and enforcement of the Payment Card Industry (PCI) standards to protect this sensitive data over the past few years, retailers and point of sale (POS) software vendors face significant investments of time and money to achieve and maintain compliance. 

ACI’s In-Store solutions connect directly to the payment switch, bypassing the POS system, thereby reducing the number of direct and indirect systems that process sensitive cardholder data. This solution reduces the costs associated with achieving and maintaining PCI compliance and further reduces the risk of data theft with additional security controls on the in-lane devices.


Replaces the traditional role of the POS applications to drive the customer interaction of payment devices such as pin pads; thus reducing the scope of PCI from the POS.

Integration Tool Kit

A software call routine that automatically formats transactional input data into a standard message format.

Isolated Payment Appliance

An in-store hardware device that reduces the PCI scope of the POS network by isolating the payment portion of the purchase experience by being the operating system for ACI’s in-store software

Isolated Payment Appliance Manager

A centralized server that oversees the daily upkeep of the Isolated Payment Appliances distributed throughout a retailer’s organization.


An in-store solution that manages the interaction with the payment devices located at the retailer’s check-out terminals.  Controlling the customer payment experience at the point of purchase, eSocket.POS manages these devices on behalf of the POS application; thus reducing the PCI scope of the POS network.

Store and Forward Timeout Reversal

For payment transaction connections from the store to the payment switch, SAFTOR manages automatic timeout reversals, store-and-forward events, and alternate routing to the payment switch.