ACI and RS2

To meet industry needs, ACI Worldwide and RS2 have collaborated to introduce a comprehensive solution that serves both acquirers and issuers to streamline the payment process and enhance customer experience.

The certified platform, powered by cloud technology, merges RS2’s comprehensive acquiring and card issuing capabilities with ACI’s sophisticated fraud management and payments intelligence. ACI’s fraud orchestration includes advanced machine learning, predictive analytics, and expertly defined rules to mitigate the escalating risk of fraud.

The growing demand for efficient, secure, and innovative payment solutions in Brazil creates a promising landscape for flexible offerings targeting both acquirers and issuers.

In response, acquirers seek a modern SaaS solution — a certified issuing platform that offers seamless integration with local card schemes, complies with regulatory standards, and provides advanced fraud and payments intelligence expertise. Additionally, they seek a solution that facilitates rapid business launches through cloud-based, API-driven capabilities.

On the other hand, issuers and processors face the challenge of unifying platforms for various card types — including debit, credit, and pre-paid cards — while also delivering sophisticated fraud prevention measures. Consumers seek the flexibility to make payments when, where, and how they prefer, driving issuers to craft a single, secure, and adaptable payment issuing platform.

As businesses continue to embrace cloud-based solutions, the demand for SaaS offerings remains high. Similarly, payment companies operating within the financial ecosystem require comprehensive solutions that cover the entire value chain.

Together RS2 and ACI Worldwide provide a unified and consolidated solution for acquirers and issuers offering the following benefits:

For acquirers

• Managed service for all payment methods: Our single platform seamlessly combines all payment methods, streamlining the experience for acquirers and providing competitive fees
• Cloud-based, multi-tenant solution: The fully automated platform ensures scalability and efficiency
• Compliance excellence: We are committed to rapidly adopting and consistently adhering to the latest compliance regulations
• Market-ready certification: Our solution is out-of-the-box certified for market-readiness emphasizing speed to market
• Fully managed solution: The solution handles hosting, connectivity to card schemes, certification, security, and technical operations, allowing acquirers to focus on running the business and serving merchants
• Advanced security and analytics: Combined advanced fraud protection, payment intelligence, and predictive analytics enhance transaction security and anticipate risk

For Issuers

• Single consolidated platform: A unified platform caters to all card types and payment methods, enhancing service flexibility and security
• Enhanced service offering: The solution delivers superior customer service, diverse payment options, and robust fraud protection
• Operational benefits: Consolidating multiple issuing platforms streamlines operations and enriches the cardholder experience.
• Comprehensive solution: Retailers and issuer banks gain an all-in-one solution for efficiently managing cards and loyalty programs
• Advanced security and analytics: Combined advanced fraud protection, payment intelligence, and predictive analytics enhance transaction security and anticipate risk

RS2 is a leading provider of payments processing technologies, supporting some of the world’s largest Financial Institutions, acquirers, fintechs and payments businesses who rely on RS2’s technology and expertise to power their international issuing and acquiring activities. RS2’s platform is a cloud-native, modular solution that enables a fully configurable payments setup, combined with fast time to market through a single API integration.