Omni-channel payment solutions

The consumer is at the heart of this driving change. Today’s consumers want to buy anytime, anywhere. This demand has changed the way merchants design creative options for selling goods and services in a cost effective way which maximizes sales, delights the consumer, and minimizes risk.

ACI’s UP Retailer Payments offers merchants a secure omni-channel payment solution that provides flexibility to fit your strategic omni-channel needs along with the scalability to power sales today and in the future.

With omni-channel payment solutions from ACI, you can guarantee a seamless customer payment experience in any retailer modality (in-store, mobile, online, etc.) with both on premise and hosted SaaS options for delivery models. 

Our flexible architecture supports the rapid adoption of emerging payment channels. And with cross-border and multi-currency capabilities of our solutions, we offer consolidated payments processing for global retailers.

Our UP Retailer Payments solution is “vendor agnostic”, which allows you to partner and work with the payments vendors that best fit your business needs. In doing so, our solutions help give you leverage to keep your payments costs down and the continued flexibility of a payment solution that allows for growth as new technologies emerge (avoiding the need to invest in a system that needs to be “ripped and replaced”).

The omni-channel payment capabilities within our UP Retailer Payment solution are built on a foundation focused on risk management. They address PCI compliance, payment data security and fraud detection and prevention for any channel.

Postilion for Retailers

Captures and authorizes customer payments at the point of purchase, providing a fast, convenient and cost-effective method for processing a wide variety of electronic payments.


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.

ACI Retail Commerce Server

Single, integrated platform that forms the basis of a customer-centric retailing strategy. Leverage the critical interaction of payments as the foundation for growing profitably by driving new revenue, keeping more spend in store and reducing losses due to fraud and abuse.

  • Gift and Proprietary Card Management supports the issuance and acceptance of prepaid stored value cards and private label credit cards.
  • Rewards Management provides an enterprise-wide online reward system controls multiple concurrent programs for a single customer, allowing maximum flexibility in the way shoppers are rewarded and motivated.
  • Refunds Management detects and stops fraudulent and abusive return behavior as well as increasing sales and customer loyalty.

All available to license on-premise or on the ACI On-demand services.

ACI ReD Shield

ACI ReD Shield is designed to support the business success of customers – to protect revenues, support growth and enhance customers’ experience. Holding down false positives and reducing the need for manual reviews are key criteria against which we assess the value of our service.

ACI ReD Shield is managed by experienced, expert risk analysts and tailored to meet the needs of individual merchants. As a managed solution, ACI ReD Shield provides access to the latest fraud prevention tools and techniques without the need to invest in technologies and resources.

PAYON Gateway Solutions

ACI offers PAY.ON global payment gateway solutions to payment service providers (PSPs), independent sales organizations (ISOs), acquirers, independent software vendors (ISVs), and value-added resellers (VARs), enabling them to fully outsource payment transaction processing or integrate a gateway-to-gateway solution. Our gateway features connectivity to more than 300 alternative payment methods and card acquirers in more than 160 countries and PCI-compliant merchant onboarding.  

A seamless solution for e-commerce, m-commerce, and mobile in-store transactions, we enable payments of any type, anywhere.