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The Role of Payments in the customer experience

Deliver a Consistent Customer Experience

ACI commissioned interviews with 30 leading retailers in the U.S., U.K., France and Germany — to explore how they are navigating a fast changing payments landscape. Senior executives address the challenges they face in enabling new payment preferences, ensuring the security of those payments and combining payments systems to deliver a consistent customer experience.

Read the report for retailer insights and expert ACI commentary on:

  • Enabling seamless shopper journeys
  • Choosing the right payment technologies
  • Consolidating payment platforms
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ACI partners with the world’s top General merchandise/Specialty retailers to help them improve the retail on-demand shopping experience. You can rely on ACI's UP Merchant Payments solution to streamline your payments system, expand payment channels, strengthen your customer loyalty, and help you increase revenue.

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Consumers want a streamlined, no-hassle purchase

Globally connected consumers expect a high-quality, personalized purchasing experience, no matter where they shop for goods and services. They want to have the same experience in-store and online, use their mobile phones as wallets, and have it all go smoothly and securely.

Great for customers, a challenge for retailers

While consumers look for a glitch-free transaction, there’s much required behind the scenes to provide that level of service. Retailers are challenged by the growing number of alternative payment options, and payment security issues are greater than ever due to a rise in data breaches. In addition, they must remain compliant with multiple regulations designed to protect payment card data.

Meeting multiple demands in a single solution

For consumers to remain satisfied, you need to offer payment options across all channels, keep customer data secure, and ensure systems are up and running fast all the time. That means you need a system that streamlines payments and expands payment channels, which for your business, leads to increased revenue. ACI’s UP Merchant Payments solution for retailers does all that – and more.

ACI: All you want in one merchant payment processing solution

Can a payment processing platform encourage customers to shop longer and come back for more? You bet. You gain and retain consumer loyalty with secure mobile, in-store and online payment innovations, real-time rewards redemption and fraud-proof purchasing. That’s not all. You also get:

  1. Process payments end-to-end
    ACI’s integrated suite of products acquire, authenticate, route, switch and authorize traditional or alternative payment transactions across multiple channels.
  2. Support omni-channel options
    ACI gives you the widest possible range of payment options, regardless of what purchase channel your customer uses. ACI modules also reduce the cost of PCI compliance and the risk of data breaches.
  3. Enable eCommerce payments technology
    ACI’s leading global payment gateways solutions, enable eCommerce, mCommerce, and in-app payments technology.
  4. Maximize security and fraud prevention
    ACI’s payment security and fraud management capabilities keep customer data secure, transactions safe, and your environment risk averse. ACI secures the POS and all payment data from a possible breach, reducing operating costs and eliminating payment technology siloes, all while promoting a consistent customer experience.
  5. Enjoy freedom of choice
    With ACI’s hosting solution, you choose and control the partners you work with. You have complete flexibility to choose different point-of-sale (POS) and pin entry device (PED) vendors, acquirers and card processors.
  6. Gain uptime, speed and scale
    ACI’s single hosted environment safely scales and increases ordering volume across various channels. Our data centers have never lost transaction speed or volume even during peak event hours.

According to a recent Tech Validate survey, 80% of surveyed retail customers began seeing benefits in the first year or sooner after deploying their ACI merchant solution. 


Percent of surveyed retail customers

Streamlined, single payment solutions for Retailers

Build your business with fast, on-demand customer experiences.

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ACI and Ovum

Webinar Replay: Shaping UP Your Payments for Growth

Gone are the days when payments were seen as purely transactional. Today’s Retailers recognize that their payments strategy is key to improving customer experience, and they are shaping that strategy to promote retention and growth. In fact, 63% of retailers intend to increase their investment in payments over the next two years.

Watch as ACI Worldwide and independent analysts Ovum discuss the findings from two recent research studies that examine the priorities for merchant payments. .

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global perspective


New research by Edgar, Dunn & Company (EDC), sponsored by ACI Worldwide, highlights the critical role of payments in the delivery of a superior customer experience.

Multichannel retailers in Europe increasingly see their payments strategy as a way to improve customer service and provide differentiation in a highly competitive market, as well as enabling improvements in productivity and cost control.

Read the report and hear a recording of the webinar delivered by ACI and EDC, to learn more about the issues uncovered in the research.

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