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We Make Possibilities Happen

ACI’s payments-grade Universal Payments (UP) portfolio of solutions enables banks, intermediaries, merchants and corporates to leverage the opportunities in today’s real-time, any-to-any ecosystem. UP gives you the power to innovate and thrive amid today’s unprecedented digital disruption.

UP solutions combine payment capabilities in new and different ways while delivering the performance, security and scalability needed to succeed today – and tomorrow. With UP, your payment possibilities are unlimited.

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  • Founded: 1975
  • Headquarters: Naples, FL
  • Offices: 39 countries
  • Employees: 3,700+
  • 2018 Revenue: $1+ billion
  • NASDAQ Ticker: ACIW

More Facts and Figures


We have more than 40 years of payments expertise and customers in 90+ countries including:
  • 18 of the top 20 banks worldwide
  • 300+ leading retailers globally
  • 3,500+ organizations utilizing our electronic bill payment solutions
  • 1,500+ banks, financial intermediaries and merchants preventing fraud with our solutions.



Our broad and integrated suite of electronic payment software solutions enables payment processing for:
  • $14+ trillion in payments and securities transactions each day
  • 200+ billion consumer transactions each year
  • $94 billion in dollar volume for UP Bill Payment™

RETAIL PAYMENTS – A comprehensive consumer payment solution ranging from core payment engines to back-office support that enables banks and intermediaries to leverage the opportunities found in today’s open, real-time payments environment.

REAL-TIME PAYMENTS – Supports low- and high-value, real-time payment processing for banks and financial intermediaries globally, ensuring multi-bank, multi-currency and 24x7 payment processing capabilities.

MERCHANT PAYMENTS – A vendor-agnostic, flexible and secure omni-channel payments environment through an integration of Postilion, ACI ReD Shield and ACI PAY.ON Payments Gateway.

BILL PAYMENT – Enables corporate customers to electronically present bills and collect payments from consumers through a single, integrated platform that powers the entire bill payments operation.

PAYMENTS INTELLIGENCE – Deliver robust fraud prevention and detection capabilities to bank, financial intermediary, merchant, and corporate customers.

DIGITAL CHANNELS – Offers banks advanced cash management capabilities in a multi-tenant, cloud-based platform.