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Postilion for Banks and Processors is an integrated Consumer Payments Processing solution for banks, processors and financial institutions who require a full-featured Payments Engine with strong capabilities in Card Acceptance and Merchant Acquisition, integrated with Back-Office capabilities and Card Management functions, providing fast time to market, reduced cost and complexity.

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Postilion for banks and processors

Complete Off-the-Shelf Solution for Card Processing

Postilion for Banks and Processors offers all the capability you need to bring your Retail Payments business into the 21st century, with full compliance with all the industry regulations and ample choice of functionalities.

Reduce Costs While Increasing Productivity

Postilion for Banks and Processors runs on commodity, off-the-shelf hardware, which significantly reduces infrastructure costs. Its integrated payments engine coupled with card and merchant management capabilities increase overall productivity while removing duplicate functionality, helping to reduce both cost and risk.

Bring Products to Market Faster

Postilion for Banks and Processors comes with extensive software development toolkits (SDKs), enabling the rapidly deployment of new features, significantly reducing time to market. This helps reduce overall development costs and drive new revenue streams.

Card Acceptance: POS & ATM


Central Management of all your POS Portfolios parameters

Vendor Independence: Choose from an ample selection of supported POS protocols to lower your acquisition costs

PCI Compliant solutions to your Merchant customers, with P2P Encryption

Integrated Electronic Cash Registers and Self-Service kiosks to provide maximum flexibility to your Multi-Lane retailers

DCC and Voucher functionalities for Additional Value.

Omni-channel payment experience supporting both physical and virtual payments through integration with ACI Pay-On platform

Risk and Fraud Management through integration with ACI Proactive Risk Management



Central Management of all your ATM landscape from a single User interface, Including Application update and State and Screen management

Support Cash Dispensing, Full Function, Advanced and Kiosk devices enabling a full range of devices and services to your cardholders

Bulk deposits, Cash deposits and Check Image Deposits on advanced ATMs supported

Automated Key Distribution to enable centralized Key management for your ATM network

DCC functionalities for Additional Value, with rates managed by yourself or through a service partner such as Monex

Wide range of Devices Supported including NCR, Wincor, Diebold, Triton

Transaction Processing

Multi-Institution Processing enabling processors to deliver payment services to multiple financial institutions from a single instance

Least Cost Routing and Advanced Routing to provide better alternatives for authorization at the lowest possible rate

EMV and Contactless payment processing

Stand-In authorization capability through velocity checking and Balance tracking

PA-DSS validated to reduce Compliance burdens

Time to Market improved through fast implementation and flexible SDK

Continuous Availability through Active-Active deployments

Off-the-Shelf Interfaces to host systems and regional, national and international schemes

Card Management

Card Management system for Debit and pre-paid cards

Card Lifecycle Management for production, activation, redemption and reporting of Issued Cards

Bulk Issuance, Breakage and Float Management to enable efficient Issuing of Plastics

New Payments Instrument, transaction or channel through flexible product architecture

Secure PIN Management support and EMV processing through leading hardware security modules

Extensive Reports to view account status, track usage and improve decision making

Back Office Processing

Central Repository for consolidated transactional data, storing it for extended periods of time

Settlement and Reconciliation with networks and card acceptance systems

Fee Calculations and distributing revenue owing to all stakeholders

Posting Files for GL accounting systems

Comprehensive Reporting system, including the creation of merchant statements

Adjustments Handling including processing of copy requests and chargebacks

Multi-Party Settlement cycles several times a day, without needing end-of-day batch reports from EFT networks

Fully Compliant with card scheme mandates

UP Merchant Payments

Postilion is a core component of ACI’s UP Merchant Payments solution (linked) designed to address your omni-channel payments and fraud management needs. Hosted in ACI’s secure data centers, the solution provides the flexibility, choice and control required by today’s merchants to deliver on the promise of anytime, anywhere commerce.