The real truth about merchant real-time payments

RTP represents the future of payments, even though it is sometimes difficult to see beyond the current dominance of card-based payments.

Stop referring to payments as invisible or disappearing

Transparency in payments is essential for consumers, businesses, and the broader payment industry.

Reflecting on Payments Unleashed 2025: A message from our CEO

Payments Unleashed 2025 was a milestone in ACI Worldwide's 50-year history, celebrating our legacy and setting the stage for future payments innovation.

Unlocking the power of PAR 

Leveraging payment account reference numbers to overcome common merchant challenges.

Why merchant acquirers must embrace AI to stay competitive 

Acquirers must move beyond incremental improvement, as the fraud and financial crime landscape continues to accelerate.

Prep for peak season success with 3Ss: Stability, scalability, and security

The 2025 holiday shopping season requires merchants to prepare now for the golden quarter.

The future of payments: Unlocking the power of payments orchestration

On this page Payments orchestration optimizes multiple payment processing providers and methods using a single, unified platform. Think of it as the conductor of an orchestra, ensuring each instrument plays its part harmoniously. This approach not only simplifies payment processing but also enhances overall efficiency and effectiveness.

Visa to begin declining subscriptions enabled by Apple/Google Pay

If you are among the 2 billion people worldwide who use Apple Pay or Google Pay, you may have set up your payment credentials for subscriptions or recurring payments on a merchant’s eCommerce site. When these credentials are configured for payments, they are device tokens (DPANs).

The blended merchant account: A game changer for banks and merchants

On this page The payments landscape is undergoing a fundamental shift. For decades, card payments have dominated merchant acquiring, offering convenience and global acceptance. But the rapid rise of account-to-account (A2A) payments from Brazil’s Pix and India’s UPI to new initiatives like Wero in Europe, is changing the game.

The 6 strategic moves every retail merchant must make

Today’s payment decisions have lasting impacts on more than profitability.

One token to bind them all

On this page Payment tokens are utilized by processors, gateways, acquirers, networks, and mobile devices. How can merchants effectively manage them all? This article explains why merchants need a token strategy. If you need a primer or refresher on the topic, please read Network Tokenization: The Complete Guide for Merchants.

Maximizing the potential of eCommerce plugins

Why fast-tracking payments for eCommerce platforms a gamechanger for payment service providers and merchants