# 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
- [Home](https://www.aciworldwide.com/): An original innovator in global payments technology, ACI delivers transformative software solutions that power intelligent payments orchestration in real time\. 
- [How Americans pay their bills \| Datos Insights](https://www.aciworldwide.com/how-americans-pay-their-bills-datos-insights): New 2026 Datos Insights data on 17\.1B bills and $5\.2T in payments\. See where consumers pay, how debit and autopay are growing, and what's next\.
- [ACI Speedpay/YouGov debit consumer trend report](https://www.aciworldwide.com/debit-consumer-trend-report): New research reveals why debit is the most\-used bill payment method and how billers can reduce friction, increase trust, and improve payment experiences\.
- [Book a Demo \- ACI Connetic Cards](https://www.aciworldwide.com/aci-connetic-cards-demo): Discover how a cloud\-native payments platform unifies card issuing and acquiring, simplifies operations, and enables rapid innovation and scalability\.
- [Book a Demo \- ACI Connetic A2A](https://www.aciworldwide.com/aci-connetic-a2a-demo): See how a secure cloud\-native platform streamlines account\-to\-account payments through a single, modern UI to easily manage complex workflows, allowing operators to configure and deploy in minutes\.

## Posts
- [Agentic commerce in fashion: Shoppers want AI to save them money, not spend it](https://www.aciworldwide.com/blog/agentic-commerce-fashion-retail): Research with 3,000 US and UK shoppers shows fashion buyers want AI to find deals, not buy for them\. See what merchants should build first to get agent\-ready\.
- [Top five tips for implementing local payment methods](https://www.aciworldwide.com/blog/top-five-tips-for-implementing-local-payment-methods): Learn how to implement APMs without hurting conversion\. Discover data‑driven tips to reduce friction, manage risk, and optimize checkout performance\.
- [Debit is gaining ground in bill pay, and raising the stakes for utilities](https://www.aciworldwide.com/blog/debit-is-gaining-ground-in-bill-pay): Debit now leads utility bill payments\. See what's driving adoption, what ACH failures really cost, and how utilities can modernize payment experience\.
- [8 omnichannel payment shifts reshaping fashion retail in 2026](https://www.aciworldwide.com/blog/omnichannel-retailing-fashion-trends-2026): New research into 3,000 US and UK shoppers shows omnichannel fashion journeys are now the default\. Here's what that means for payments, apps and conversion\.
- [9 key insights from 3,000 fashion shoppers on payments, channel blending, and AI](https://www.aciworldwide.com/blog/fashion-shopper-payments-insights): See what 3,000 fashion and sportswear shoppers reveal about payments, checkout friction, and AI, and what it means for retailer conversion and loyalty\.

## Solutions
- [Merchant alternative payment methods](https://www.aciworldwide.com/solutions/merchant-alternative-payment-methods): Increase customer satisfaction, optimize acceptance rates and lower cart abandonment by offering the most popular alternative payment methods
- [ACI mobile commerce SDK](https://www.aciworldwide.com/solutions/mobile-commerce-sdk): Deliver seamless in\-app payments with native SDKs, built\-in orchestration, tokenization, fraud protection, and global payment coverage\.
- [International payments expansion](https://www.aciworldwide.com/solutions/international-payments-expansion): Single payments platform for flexibility, resilience and cost control in domestic and cross\-border payments processing
- [Get flexible bill payment experiences with ACI Speedpay](https://www.aciworldwide.com/solutions/intuitive-bill-payment-experience)
- [Digital central infrastructure](https://www.aciworldwide.com/solutions/digital-central-infrastructure): Deploy secure real\-time payment rails, launch new payment methods and schemes with back\-office management using a single, innovative infrastructure solution

## Industries
- [Higher Education](https://www.aciworldwide.com/industries/higher-education)
- [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
- [Accounts Receivable Management](https://www.aciworldwide.com/industries/accounts-receivable-management): Take advantage of the full collections lifecycle with ACI Speedpay's accounts receivable management capabilities, a full suite of products for end\-to\-end communications, presentment, payments, settlement and more
- [Government](https://www.aciworldwide.com/industries/government)
- [Mortgage Servicers](https://www.aciworldwide.com/industries/mortgage-servicers)

## 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
- [Planet: Open technology at the core of global payments](https://www.aciworldwide.com/insights/case-studies/planet-payment): Planet Payment Case Study: Open Technology at the Core of Global Payments
- [Rising above high\-profile ticketing challenges with ACI](https://www.aciworldwide.com/insights/case-studies/global-ticketing-provider-payment-optimization-case-study): 
See how a global ticketing provider reduced chargebacks by 70%, improved approvals, and expanded internationally using ACI solutions\.
- [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\.
- [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\.
- [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\.

## Partners
- [IR](https://www.aciworldwide.com/about-aci/partners/ir): IR’s solutions, including IR Transact, help find and resolve performance issues in real\-time to ensure your business critical systems are working as they should and user experience is seamless\.
- [RS2](https://www.aciworldwide.com/about-aci/partners/rs2): ACI and RS2 have joined forces to offer a comprehensive payment platform solution for acquirers and issuers in the Brazilian market\. The integrated solutions empower rapid deployment of new business opportunities, leveraging cloud infrastructure and streamlined API\-driven connections\.
- [Mastercard](https://www.aciworldwide.com/about-aci/partners/mastercard): Mastercard’s Identity Solutions enable a simple and secure global digital economy no matter how or where people transact\. ACI’s identity verification solutions are powered by Mastercard data and insights, helping businesses reduce fraud, improve customer experiences, and build trust\.
- [TruRating](https://www.aciworldwide.com/about-aci/partners/trurating): Turn every transaction into valuable customer insight with ACI and TruRating\. Capture real\-time feedback, improve experiences, and drive business growth\.
- [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\.

## 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
- [Authorized Push Payment \(APP\) Scam](https://www.aciworldwide.com/app-fraud): ACI Fraud Management for Banking turns bank fraud detection and prevention into a competitive differentiator with a seamless fraud analytics solution
- [What are agentic payments? \[The enterprise guide to AI\-driven payment infrastructure\]](https://www.aciworldwide.com/agentic-payments): Digital transformation in banking continues to be a vital initiative\. Discover the obstacles to digital transformation and how banks can overcome them\.
- [Agentic commerce: What it is, how it works \& what it demands from your payments infrastructure](https://www.aciworldwide.com/cross-border-payment-processing): Digital transformation in banking continues to be a vital initiative\. Discover the obstacles to digital transformation and how banks can overcome them\.
- [B2B Payments](https://www.aciworldwide.com/b2b-payments): Fast, seamless B2B payments processing is vital to the success of any business\. Learn more about B2B payments processing, platforms and the future of B2B payments

## 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)