Global Acquiring
Multi-currency, multi-product, multi-scheme, multi-country capabilities in a single solution
All Payment Types
Support for alternative payment methods (APMs), real-time payments, mobile payments, tokenization, virtual cards and accounts
Compliance and Mandates
Support included for reduced TCO: strong customer authentication (SCA), PA-DSS, scheme mandates (global, regional, domestic) and PCI
Achieve Rapid Growth
Easily expand with the ability to rapidly accept alternative payment methods.
- Offer merchants new eCommerce services with a cloud-based gateway
- Avoid being locked into any one terminal provider or type: traditional POS and ePOS/mobile payments acceptance
- Grow internationally by accepting any local and regional payment types, card or non-card
- Leverage APIs to gain greater network flexibility and connectivity
Optimize Revenue
Gain efficiencies and protect your cash flow to boost your bottom line.
- Utilize the same platform to process small business and large corporate customers
- Ensure compliance with the latest regulations and mandates
- Create high-value POS revenues with dynamic currency conversion
- Guard against chargeback risks
- Balance when and what you pay merchants based on profiles
- Enhance decision making with data-rich dashboards and reporting
Manage Risk in Interchange Fees
Remove cost from interchange fees and improve merchant services without increasing risk.
- Accurately pre-qualify transactions during a clearing
- Integrate merchant calculation mechanism with interchange insights
- Leverage Interchange++ calculations to grow margins
- Take advantage of rich calculations, including for blended rates
Transform Your Merchant Experience
Tailor your merchants’ experience with easy configuration and simplified billing.
- Deliver always-on capabilities with a proven, resilient and scalable front-end authorization switch
- Personalize merchant management across billing, pricing and services
- Streamline and automate end-to-end management of disputes
Merchant Services
Grow margins and revenue with flexible merchant fees (including Interchange++) and services billing options
Customer Management
Disputes management and rejection processing, with options for automation
APIs and Web Services
Extensive catalog of APIs and web services to connect PSPs, merchants and value-added partners.
RELATED SOLUTIONS
Maximize Your Benefits
ACI Worldwide delivers a range of related payments software that supports your ongoing business success.
ACI Fraud Management for Merchants
Multilayered, real-time fraud management and ongoing monitoring of online and mobile transactions for merchants and payment service providers
ACI Enterprise Payments Platform
Enabling banks, processors, national infrastructures and fintechs to rapidly respond to shifting trends, mandates and new competition across all lines of business and payment types
ACI Secure eCommerce
A powerful payments gateway with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods
Fast Start Acquiring
Achieve acquirer and sub-acquirer technical certification 100 days from contract to quickly enable new revenue streams and reduce ongoing implementation costs
Automated Dispute Manager
Advanced solution for automated case management to simplify and streamline your dispute and adjustment process across all payment schemes
ACI Omni-Commerce
A secure, scalable, omni-channel payment processing platform with the flexibility to support in-store, online and mobile payments
Related Resources
Resources
Merchants
Assessing the impact of the MIF Regulation interchange fee caps
The European Regulation on Interchange Fees for Card-based Payments (or the MIF Regulation for short) came into effect in December 2015. Comprised of four main areas—interchange fee caps, acquirer pricing transparency, the separation of card schemes and processing, and other supporting rules—the regulation will have a profound impact upon the European payments industry and has the potential to reshape the eCommerce payments landscape. No area, however, is poised to cause more of a commotion than the interchange fee caps. Acquirers, card issuers, and payment service providers are all affected, but the impact of interchange fee caps—and what it means for their businesses—varies considerably.
Resources
Banking
How to Leverage #NewPayments Transformation in Transaction Banking
Market pressures including new regulation, evolving customer demand, and competitive threats are transforming the payments ecosystem. New kinds of competitors are emerging, from start-up backgrounds, but also well established businesses are entering from non-payment industries. These new competitors are leveraging new technologies to offer new experiences to traditional banking customers. And not just in the consumer payments or retail banking space. It’s just as important for banks servicing corporate customers to adapt to survive and thrive in this New Payments Ecosystem. The hierarchy of payment needs teaches us why we need to build a path to transformation that rests upon a strong foundation of #sleepatnightability. A successful evolution means fast and open payments that don’t break the bank. To guide your journey to the New Payments Ecosystem, here are 10 ways transaction banks can follow the hierarchy of payment needs to jumpstart their digital transformation projects today.
Resources
Banking
Digital Payments Overlay Services: Accelerating Real-Time Payments Growth
The global real-time payments landscape is transforming every day, as the world moves toward payments that offer a multitude of digital payment overlay services that drive consumer experience and adoption. But what are digital payment overlay services? They are ancillary services that often ride the real-time payments rails, and can be flexible, nimble drivers of innovation. These digital services – piggy-backing on the standard real-time payments rails – not only add value to core payments, but also bring about convenience and ease of use for all participants in the payments ecosystem.
