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Universal Payments Lowers Total Cost of Ownership for Payments Processing

Financial institutions recognize the need to transform their legacy payment environments with next-generation technologies. The UP Retail Payments solution featuring UP BASE24-eps provides choice and flexibility to global financial institutions and processors.

ACI’s payment solutions enable a rapid transformation to an enterprise payments platform that can drive new revenue streams, overcome the barriers to delivering real-time, any-to-any payments while controlling transition costs.

Solution Sheet Find Out More
Enterprise Class Payments
Mobile phone device payments

Device and Channel Management

Financial organizations require solutions that can manage a wide range of payments channels, delivering the relevant device and channel management and providing off-the-shelf support for a broad range of message formats.

Although the underlying functionality of acquiring transactions is the same across all channels, the individual channels – ATM, POS, eCommerce, online, mobile – also have specific processing requirements. An efficient payments engine must be capable of processing all channels and transaction types while delivering channel specific capabilities.

ACI’s participation in a range of standards bodies and partnerships with leading manufacturers delivers valuable direction and insight to ensure our solutions meet the needs of device and channel management now and in the future.

Payments Switching and Authorization

To compete effectively, institutions around the world require efficient, compliant and flexible systems that can acquire, authenticate, switch, and authorize large volumes of financial transactions across multiple channels.

ACI’s products allow companies to deliver traditional and innovative payment services with greater efficiency and at lower cost, thereby improving their competitive position in the market.

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Solution Options

  1. UP Retail Payments combines the features and functionalities of both legacy and next-generation technologies in a coexistence environment.
  2. UP BASE24-eps:  An enterprise class payments solution with choice, control and flexibility that lowers total cost of ownership for current and future payment needs.
  3. Postilion for Banks and Processors:  A Windows-based consumer payments solution that integrates a full-featured payments engine with comprehensive card issuance and merchant acquisition management capabilities, reducing both processing cost and complexity.

White Paper: Real-Time, Any-to-Any Payments: Imagination Realized, Commerce Evolved

cloud delivery

More companies use ACI payment solutions to manage higher payment volumes, of greater diversity, across more platforms and geographies than any other provider in our field.

  • Barclaycard logo
  • State Bank India
  • Union Bank Logo

Barclaycard Delivers "Every Second, Every Day" Service with BASE24

For 20 years Barclaycard has used BASE24 software to manage point-of-sale terminals, route and switch transactions.


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State Bank of India Manages Nation's Largest ATM Network with BASE24

The State Bank of India has over 75 million customers, 9,000 branches and 200,000 employees. When it was time to implement a state-of-the-art ATM system, it moved swiftly. ACI technology helped the State Bank of India reach its goals.


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Union Bank of India Delivers Remittances at Atms Using BASE24

Thanks to its huge population and rapidly growing economy, the value of India’s domestic remittances was US $13 billion in 2010 and has an expected growth rate of 15 percent year on year. Of these remittances, 90 percent are channeled through banks.


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