ACI MOBILE COMMERCE SDK
Native in-app payments that convert
A fully embedded, secure checkout inside your iOS and Android apps. Improve conversion at the payment step.
THE MOBILE OPPORTUNITY
Where mobile revenue is won or lost
Your customers are already on mobile. The challenge is converting intent into completed purchases. Every redirect, form field, and authentication step adds friction. A seamless in-app payments flow helps capture more of the demand you’ve already paid to acquire.
- 85% mobile cart abandonment, the highest of any channel (ACI Worldwide)
- 3x apps convert around three times mobile web (Criteo)
- 18% abandon a checkout that is too long or complicated (Baymard Institute)
Flexible by design
Built for any revenue model
One SDK, adaptable to however your app makes money: from one-tap purchases to recurring subscriptions and global marketplaces
- Retail and eCommerce
Turn app traffic into completed orders with a checkout that never leaves your app and lets returning customers buy in one tap. - Subscriptions and digital goods
Protect recurring revenue. Stored credentials and tokenized cards keep renewals from failing at the payment step. - Global marketplace expansion
Open a new market without a new build. Local payment methods, currencies, and fraud rules are already in place.
THE BUSINESS IMPACT
Four ways it shows up in the numbers
Every capability below exists to move one line on your P&L.
FULL CAPABILITY SET, BUILT-IN
Everything you need to power mobile payments
A complete solution, not a bolt-on. Orchestration and fraud management come with the platform rather than as products to buy alongside it.
NATIVE CHECKOUT
A payments experience that feels like part of your app
Shoppers never leave your environment. No browser redirects, no context switching, no carts abandoned at the payment step.
- Fully native UI components for iOS and Android
- Pre-built checkout screens, ready to brand
- One-click checkout with stored credentials
- Apple Pay, Google Pay, and Samsung Pay out of the box
- NFC tap-to-pay and card scanning on Android
Checkout Flow
Customer taps “Buy now” in app
mSDK renders the native payments sheet
Customer authenticates (biometric/3DS)
Routed via ACI Payments Orchestration Platform
Confirmed, still inside your app
SECURITY & AUTHENTICATION
Enterprise-grade protection, seamlessly integrated
Security that adds steps costs you sales. Typing card details on a small screen is the single biggest source of mobile checkout friction, so tokenization, native 3DS, and biometrics collapse it into one authenticated tap.
- Native 3DS authentication, no browser redirect required
- Biometric validation (face ID, fingerprint) supported
- Tokenization replaces sensitive card data end to end
- Real-time fraud detection and transaction monitoring
- PCI DSS-compliant architecture, maintained by ACI
GLOBAL REACH
One integration, payments anywhere
Entering a new market should not mean a new development cycle
- Cards, digital wallets, and 200+ alternative payment methods
- Multi-currency processing with local acquiring
- Region-specific fraud rules and compliance built in
- Multi-language SDK with extensible language packs
- Intelligent orchestration routes each transaction optimally
Getting Started
Integrate in hours, not months
Interactive developer documentation and a live sandbox mean you can be processing payments today.
Connect to the ACI platform
Create your merchant configuration and enable the payment methods for your markets.
Add the SDK to your app
A few lines of code initialize the SDK and connect it to the platform.
Test on the sandbox
Validate against real payment flows before a line of production code is touched.
Go live with a configuration change
Switch from sandbox to production by updating one setting. No new build. No delay.
Simple. Global. Secure.
The three things every merchant needs from a mobile payments solution.
FOR PAYMENT SERVICE PROVIDERS
Give merchants in-app checkout under your own brand, without building it
Offer native mobile payments on infrastructure that is already certified, connected, and live. Launch faster, expand your offering, and create more value for the merchants you serve.