- Solutions
- Banking
- Enterprise Payments PlatformRapidly respond to shifting trends, regulatory requirements and new competition with a flexibly deployed payments platform.
- AcquiringDigital acceptance, merchant management
- IssuingDigital payments and accounts issuing
- Fraud ManagementReal-time enterprise fraud management
- ATMsSelf-service, omnichannel digital experience
- High Value Real-Time PaymentsMulti-bank, multi-currency processing
- Low Value Real-Time PaymentsComplete real-time payments processing
- Digital Central InfrastructureCutting edge real-time payment infrastructures
- NEW Download the 2024 Prime Time for Real-Time Report
- Merchant Payments
- ACI Payments Orchestration PlatformEnable customer journeys across commerce channels, accept payments, prevent fraud and optimize your payments journey
- In-StoreDynamic, modern in-store payments
- eCommerceOnline and mobile payments
- Alternative Payment MethodsGive more ways to pay
- Value-Added ServicesEngagement, optimization and reporting
- Fraud ManagementEnd-to-end fraud orchestration
- Risk, Security and ComplianceAchieve and maintain compliance
- Industries We Serve
- Billing and Bill Payments
- ACI SpeedpayDrive customer satisfaction with the widest range of bill pay options in the industry.
- Bill Payment APIs and SDKsOutsource bill payment processing
- Digital DisbursementsSimple, satisfying payment options
- Alternative Payment MethodsGive more ways to pay
- Loan ServicingPreferred loan payment options
- Treasury ManagementStreamline and integrate your back office
- Automated Debt CollectionImprove your collections process
- Digital WalletsManage digital cards and payments
- PCI Compliance and SecurityAchieve and maintain PCI compliance
- Industries We Serve
- Fraud Management and Payments Intelligence
- Fraud ManagementFraud solutions to minimize risk and prevent fraud
- Fraud Management for BankingEnterprise-wide fraud prevention
- Anti-Money LaunderingStay ahead of money-laundering schemes
- Robotic Process AutomationAutomate payment processing operations
- Fraud Management in the CloudProtect your business from the cloud
- Fraud Management for MerchantsProtect payments from end to end
- ChargebacksPrevent chargebacks before they happen
- SCA ComplianceAchieve and maintain SCA compliance
- Digital Identity SolutionsConfirm identities with behavioral analytics
CompanyPrime Time for Real-TimeDiscover the Real-Time Landscape in 2024 and Beyond
How are real-time payments redefining the global economy?
Customers
Home
Strategic Partnerships
ACI and IBM
Partnership Overview
ACI and IBM have a close partnership with multiple Tier 1 clients using applications deployed on IBM System z and System p configurations. Through a strategic alliance, IBM worked to enable ACI products on the System z infrastructure, giving clients a path to benefit from the System z fundamentals and support their data center consolidations and rationalizations.
ACI continues to deliver, support and enhance BASE24-eps for IBM’s back-office solutions deployed on IBM System z. ACI also offers a high-value payments solution called ACI Money Transfer System deployed on the IBM System p AIX stack.
Partnership Benefits
Clients deploying ACI solutions on the IBM System z benefit from:
- Scalability – Both horizontal and vertical scale
- Availability – For both scheduled and unscheduled changes to deliver 99.9999% availability to avoid any business disruptions achieved via a reliable hardware platform, advanced automation and disk mirroring to support failover
- Simplified systems management – A base design point of IBM’s Parallel Sysplex Architecture
- Capacity – Dynamic adjustment/activation of capacity needs
- Consistent response times – Achieved through tight integration between the hardware, hypervisor and operating system/sub-systems
- Security – The System z processor is EAL-5 Certified
- Low total cost of ownership – Achieved via specialty engines, sharing of hardware resources, advanced virtualization technology and technology dividend
These benefits combined with ACI’s industry-proven business applications offer clients deploying on System z a world-class solution for their clients and business services.
ACI Products for IBM System z
BASE24-eps
ACI’s flagship online payment transaction processing and authorization solution, BASE24-eps is available on IBM System z and System p using DB2 for database services. BASE24-eps supports financial transaction acquisition from devices such as ATMs, point-of-sale devices and other transaction-originating mediums. BASE24-eps routes these transactions to endpoint bank issuers and card schemes for authorization or can authorize them internally using limits and various client verification techniques.
ACI Issuer
ACI Issuer provides the backbone of any issuing operation and consists of batch and online transaction processing services. ACI Issuer not only manages traditional instruments like debit, prepaid, gift, credit and commercial cards. ACI Issuer can be used to manage other payment instruments such as unsecured fixed-term loans, tokens, wearables, buy now pay later, Request to Pay, person-to-person payments, etc. ACI Issuer is available as part of ACI’s managed service offering as well as via on-premises deployments. Multiple platforms are available, including IBM System z, IBM AIX and Red Hat Linux.
ACI Acquirer
ACI Acquirer supports any merchant acquiring operation by enabling the management of all merchant accounts. It enables acquirers to increase revenue by offering billing services, accepting new payment types and reducing cost per transaction. With ACI Acquirer, merchant acquirers can also manage risk by reducing false positives and staying compliant with PCI-SSF and strong customer authentication (SCA). Finally, ACI Acquirer enables merchant acquirers to reduce operational costs by processing authorizations efficiently through a scalable transaction engine and rapid initial implementation. ACI Acquirer is available as part of ACI’s managed service offering as well as via on-premises deployments. Multiple platforms are available, including IBM System z, IBM AIX and Red Hat Linux.
ACI Interchange
ACI Interchange handles clearing and settlement interfaces with international and domestic card schemes. It handles multiple card schemes in one system, enabling international and domestic interchange formats. All the main international card schemes are supported, including Visa, Mastercard, JCB, American Express, (GNS and CAPN), Discover and Union Pay International.
As well as standard clearing and settlement functions, ACI Interchange provides sophisticated and accurate interchange fee qualification and calculation of fee rates for acquirers and single-message reconciliation.
ACI Interchange is available as part of ACI’s managed service offering as well as via on-premises deployments. Multiple platforms are available, including IBM System z, IBM AIX and Red Hat Linux.
