- Solutions
- Banking
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- ACI ConneticUnified cloud payments platform
- AcquiringDigital acceptance, merchant management
- IssuingDigital payments and accounts issuing
- Fraud managementReal-time enterprise fraud management
- RTGS / Wires and cross-borderMulti-bank, multi-currency processing
- Real-time, instant paymentsComplete real-time payments processing
- ATMsSelf-service, omnichannel digital experience
- Central infrastructureInnovative real-time payment infrastructure
- NEW Redefining the payments hub: Solving today’s banking payment challenges
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- 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
- NEW Datos names ACI Worldwide best-in-class in payments orchestration
- 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
- Fraud managementAI-based fraud orchestration technology
- 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 cloudProtecting your business in 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
- NEW Scamscope fraud report: APP scam trends from around the globe
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For more than 40 years, ACI Worldwide and IBM have been close partners in serving banks and processors, attaining the highest levels of performance, scalability, and resiliency ever contemplated in the financial services industry. In 2025, ACI celebrates 50 years of offering enterprise payments solutions. That heritage began with card processing using our Base24 platform, and five decades later, ACI supports 19 of the world’s top 20 processors and processing banks, handling hundreds of billions of card transactions annually.
Base24-eps is a highly scalable and fault-tolerant payment engine that supports the highest transaction volumes across multiple channels and platforms
Widely used for acquiring, authenticating, routing, switching, and authorizing card- and non-card-based financial transactions, Base24-eps sets the standard for functionality, resiliency, and scalability, and is in production at many of the largest global banks.
Proactive Risk Manager (PRM) is an enterprise fraud management solution that enables the largest financial institutions to detect and prevent fraud
It allows users to respond to fraud quickly and efficiently in real-time. PRM leverages patented, powerful incremental learning capabilities for early warning and action in response to suspect activity, combining proven, business-driven strategies for behavior-based profiling, adaptive and predictive analytics, and Artificial Intelligence with unprecedented scalability and precision. PRM offers flexible inbound and outbound APIs that can be easily integrated with a wide range of backend systems and processes, providing a comprehensive view of customer activity across card transactions, instant payments, cash deposits and withdrawals, cryptocurrency transactions, and more.
This is why it’s so exciting to share that ACI’s partnership with IBM has been further extended by offering two of ACI’s flagship solutions, Base24-eps and PRM, as native 64-bit applications running on IBM’s flagship Z platform. Available in late 2025, Base24-eps and PRM offer full support for Z. Upcoming releases will include support for IBM’s latest z17 platform and the Telum II processor, with enhanced AI integration and advanced security and resiliency features. Base24-eps is also PCI-SSF certified for PCI 4.0, continuing its trusted and secure heritage.
While all global banks and processors are exploring the implications and benefits of cloud-native designs
The largest, especially those in Europe, will continue to face pressure from regulators and central banks to demonstrate their strategies for minimizing concentration risk related to public cloud infrastructure. IBM’s Z platform provides an ideal solution, supporting a hybrid cloud architecture that offers the engineered resiliency, security, and scalability needed for critical infrastructure in the financial services ecosystem.
OpenShift will provide ACI’s new cloud-native platform, ACI Connetic, the ability to operate in containerized workflows on the Z platform and in a hybrid public cloud model. These capabilities are critical not only for managing technical and operational risk, but also for regulatory risks, such as the need to avoid concentration in a single public cloud provider.
I’m eager to share more in the coming months about how IBM, Red Hat, and ACI Worldwide are further collaborating on the future of enterprise payments. It’s an exciting time indeed to be shaping the future together!
Scotty Perkins is a payments, technology, and compliance leader with deep expertise in payments, retail, and consumer financial services. With nearly 30 years of experience, he has held senior positions in operations, compliance, technology, and business development, specializing in complex business process design for large-scale revenue optimization programs.
