# ACI Worldwide: Powering the world’s payments ecosystem

> An original innovator in global payments technology, ACI delivers transformative software solutions that power intelligent payments orchestration in real time\.

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## Pages
- [ACI Speedpay Biller Impact Study](https://www.aciworldwide.com/aci-speedpay-biller-impact-study): The 2026 ACI Speedpay Biller Impact Study reveals how billers across six industries are responding to consumer expectations and what it takes to stay ahead\.
- [Book a bill pay consultation](https://www.aciworldwide.com/biller-consultation)
- [ACI Speedpay Pulse Utilities Report](https://www.aciworldwide.com/aci-speedpay-utility-payments-report): Our latest utility payments trend report reveals customers' strong and accelerating swing to mobile payment preferences and opportunities for providers to lower costs and improve customer experience\.
- [About ACI](https://www.aciworldwide.com/about-aci)
- [Awards and rankings](https://www.aciworldwide.com/about-aci/awards-and-rankings)

## Posts
- [Why modern bill pay requires more than the lowest\-cost rail](https://www.aciworldwide.com/blog/why-modern-bill-pay-requires-more-than-the-lowest-cost-rail): Modern bill pay isn’t about cheaper rails—it’s about certainty\. Discover how debit and wallet payments lower cost to collect and improve customer confidence\.
- [Top five tips for implementing alternative payment methods](https://www.aciworldwide.com/blog/top-five-tips-for-implementing-alternative-payment-methods): Learn how to implement APMs without hurting conversion\. Discover data‑driven tips to reduce friction, manage risk, and optimize checkout performance\.
- [Visa’s service\-fee update for utilities: What changes and what doesn’t](https://www.aciworldwide.com/blog/visa-service-fee-update-utilities): Visa added utilities \(MCC 4900\) to its Service Fee Program\. See what changed, how it affects autopay, and how to choose the right fee model\.
- [Agentic commerce and the trust problem at checkout: ACI’s Adriana Iordan on what breaks when software starts buying](https://www.aciworldwide.com/blog/agentic-commerce-trust-fraud-liability-checkout): Agentic commerce is reshaping checkout—but trust, fraud, and liability models aren’t ready\. Learn what breaks and what merchants must solve next\.
- [Beyond reimbursement: ACI’s Jackie Barwell on stopping APP scams while the money is still in flight](https://www.aciworldwide.com/blog/app-fraud-real-time-data-sharing-prevention): Fraud prevention is shifting\. Learn how liability changes and real\-time data sharing help banks stop scams before money moves\.

## Solutions
- [Chargeback protection and management](https://www.aciworldwide.com/solutions/chargeback-protection): Don’t allow chargebacks to impact your revenue — safeguard your business with ACI’s chargeback protection service
- [ACI Omni\-Commerce](https://www.aciworldwide.com/solutions/aci-omni-commerce): A secure, scalable, omnichannel payment processing platform with the flexibility to support in\-store, online and mobile payments
- [RTGS/Wires and cross\-border](https://www.aciworldwide.com/solutions/aci-high-value-real-time-payments): Gain multi\-bank, multi\-currency processing capabilities and seamless integration to multiple clearing and settlement mechanisms

- [Real\-time payments](https://www.aciworldwide.com/solutions/aci-low-value-real-time-payments): Global real\-time payment processing, origination, orchestration, fraud detection, connectivity, clearing, and settlement in one pre\-packaged solution
- [ACI Fraud Management for Banking](https://www.aciworldwide.com/solutions/aci-fraud-management-banking): Real\-time, machine\-learning\-driven fraud management solution for banks, processors, acquirers, and payment networks

## Industries
- [Mortgage Servicers](https://www.aciworldwide.com/industries/mortgage-servicers)
- [Grocery](https://www.aciworldwide.com/industries/grocery)
- [Payment Service Providers](https://www.aciworldwide.com/industries/payment-service-providers): Enable merchant growth and a seamless omni\-channel consumer experience, while mitigating risk and reducing the burden of compliance
- [Financial Institutions](https://www.aciworldwide.com/industries/financial-institutions)
- [Fueling and Convenience](https://www.aciworldwide.com/industries/fueling-and-convenience)

## Training
- [Application Processing and Configuration Training](https://www.aciworldwide.com/training/application-processing-and-configuration-training): Receive a detailed overview of the concepts, features and functionality of the BASE24\-eps payments engine and practical hands\-on lab exercises around deployment, implementation and configuration\.
- [Postilion Realtime](https://www.aciworldwide.com/training/postilion-realtime-specialist): This course facilitates an understanding of the architecture and functionality of Postilion Realtime and enables attendees to configure and operate the Realtime component of an ACI payment system\.
- [UP Framework Troubleshooting with Tracing](https://www.aciworldwide.com/training/up-framework-troubleshooting-with-tracing): This instructor\-led course teaches UP Framework technicians essential troubleshooting skills using tracing in UP Framework
- [UP Framework Troubleshooting with Logs](https://www.aciworldwide.com/training/up-framework-troubleshooting-with-logs): This instructor\-led course teaches UP Framework technicians essential troubleshooting skills using logs in UP Framework
- [UP Framework Configuring XML Endpoints](https://www.aciworldwide.com/training/up-framework-configuring-xml-endpoints): This course focuses on the skills needed to create XML endpoints in UP Framework\.

## Case Studies
- [Large California community college achieves Nacha and PCI compliance](https://www.aciworldwide.com/insights/case-studies/large-california-community-college): ACI Speedpay met a large California community college's immediate compliance needs, and is pre\-integrated with Anthology, Ellucian and Oracle Systems to enable a wide variety of additional digital payments and effective back\-office funding and settlement options\.
- [Tier 1 Dutch bank modernizes payments with ACI and IBM](https://www.aciworldwide.com/insights/case-studies/anonymous-dutch-bank-modernizes-payments): A leading Dutch bank upgraded legacy systems to ACI BASE24‑eps on IBM Z, enabling secure, reliable, future‑ready payments\.
- [Rabobank optimizes chargeback processing and financial recovery](https://www.aciworldwide.com/insights/case-studies/rabobank-disputes): Rabobank enhances dispute resolution efficiency using ACI’s Automated Dispute Manager, improving processing speed, standardization, and chargeback handling\.
- [Unlocking €5M in annualized revenue through payments optimization](https://www.aciworldwide.com/insights/case-studies/payments-optimization-ecommerce-case-study): 
See how targeted payments optimization reduced checkout friction and improved approvals, delivering €5M in annualized revenue uplift for a global retailer\.
- [Modernizing payments for a global fuel retailer](https://www.aciworldwide.com/insights/case-studies/modernizing-payments-for-a-global-fuel-retailer): 
A global fuel brand modernized its payments infrastructure with ACI, enabling scalable orchestration, multi‑endpoint routing, and future‑ready capabilities\.

## Partners
- [BioCatch](https://www.aciworldwide.com/about-aci/partners/biocatch): BioCatch partners with ACI to enable secure and seamless online experiences, providing AI\-driven behavioral biometrics across the digital lifecycle\.
- [comforte](https://www.aciworldwide.com/about-aci/partners/comforte): ACI Worldwide and comforte have partnered to enhance payments security by integrating data\-centric protection into ACI’s Retail Payments Solution without disrupting existing systems\. Their combined use of vaultless tokenization and encryption enables organizations to meet compliance requirements while keeping sensitive data usable for analytics, fraud detection, and AI\.
- [IBM](https://www.aciworldwide.com/about-aci/partners/ibm): IBM and ACI have partnered since the mid\-1980s to provide financial institutions with highly reliable and full\-function applications for transaction processing, transaction settlement, and card management applications\. ACI’s payment solutions are deployed on the IBM Z mainframe and also on IBM Power installations globally in Tier 1 financial institutions\.
- [Microsoft](https://www.aciworldwide.com/about-aci/partners/microsoft): ACI has a global strategic collaboration with Microsoft via the Microsoft Partner Network to support the payments industry’s rapid adoption of technology deployed in the public cloud\. As one of Microsoft’s top 10 global ISV partners in the financial services industry, ACI extends the reach of its market\-leading payments portfolio through Microsoft Azure\.
- [Red Hat](https://www.aciworldwide.com/about-aci/partners/redhat): ACI Worldwide strengthens its support for cloud\-native enterprise payment solutions through a partnership with Red Hat\. This collaboration empowers banks, merchants, and billers to drive, choose, and combine any cloud infrastructure for deploying their payment services\.

## Guides
- [Network Tokenization: The Complete Guide for Merchants](https://www.aciworldwide.com/network-tokens): Discover how network tokenization can help you strike the perfect balance between robust security and a frictionless checkout experience
- [Cross Border Payment Processing](https://www.aciworldwide.com/cross-border-payment-processing): Cross\-border payments enable merchants to leverage local payment methods to support commerce strategy in the global marketplace — here’s how\. 
- [A Guide to FedNow](https://www.aciworldwide.com/fednow): With a scheduled launch date in 2023, there is no time like the present for financial institutions to familiarize themselves with the FedNow Service
- [Understanding Debt Collection and Recovery](https://www.aciworldwide.com/debt-collection): Debt collection doesn’t have to be difficult with the right technology; you can optimize recovery efforts while preserving customer relationships
- [Anti\-Money Laundering \(AML\) Compliance](https://www.aciworldwide.com/anti-money-laundering-aml-compliance): Everything you need to know about anti\-money laundering, including AML compliance, AML screening and AML solutions

## Real\-Time
- [The Path to Profit](https://www.aciworldwide.com/real-time/the-path-to-profit): Uncover how banks can counteract the threat of shrinking margins, drive operational efficiencies, and smooth sail into modernization — placing them firmly on the path to profit\.
- [The Netherlands](https://www.aciworldwide.com/real-time/the-netherlands): The Netherlands was an early pioneer in instant payments and is on track to become a European real\-time leader in the coming years\.
- [Malaysia](https://www.aciworldwide.com/real-time/malaysia): As it continues to consolidate and unify services, Malaysia is leading the way as a regional hub for real\-time expansion and inclusion\.
- [Indonesia](https://www.aciworldwide.com/real-time/indonesia): Just two years into its real\-time journey, Indonesia now ranks \#8 in the world's top 10 fastest\-growing real\-time payment markets\.
- [Brazil](https://www.aciworldwide.com/real-time/brazil): In three years, Brazil's real\-time payments have grown to the world’s second largest market in real\-time transactions, after India\.

## History
- [The Beginning](https://www.aciworldwide.com/blog/history/the-beginning)
- [First ATM Project](https://www.aciworldwide.com/blog/history/first-atm-project)
- [ATM Transactions for Banking Launched](https://www.aciworldwide.com/blog/history/atm-transactions-for-banking-launched)
- [Nasdaq Debut](https://www.aciworldwide.com/blog/history/nasdaq-debut)
- [First for EFT Software](https://www.aciworldwide.com/blog/history/first-for-eft-software)

## Training Topics
- [High\-Value Real\-Time Payments](https://www.aciworldwide.com/training-topic/high-value-real-time-payments)
- [UP Framework](https://www.aciworldwide.com/training-topic/up-framework)
- [BASE24\-eps](https://www.aciworldwide.com/training-topic/base24-eps)
- [Postilion Specialized Training \(PST\)](https://www.aciworldwide.com/training-topic/postilion-specialized-training-pst)
- [Payment Testing \(ASSET\)](https://www.aciworldwide.com/training-topic/payment-testing-asset)

## Optional
- [Sitemap index](https://www.aciworldwide.com/sitemap_index.xml)