- Solutions
- Banking
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- ACI ConneticUnified cloud payments platform
- AcquiringDigital acceptance, merchant management
- IssuingDigital payments and accounts issuing
- Fraud managementReal-time enterprise fraud management
- RTGS / Wires and cross-borderMulti-bank, multi-currency processing
- Real-time, instant paymentsComplete real-time payments processing
- ATMsSelf-service, omnichannel digital experience
- Central infrastructureInnovative real-time payment infrastructure
- NEW Redefining the payments hub: Solving today’s banking payment challenges
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- Merchant payments
- ACI Payments Orchestration PlatformEnable customer journeys across commerce channels, accept payments, prevent fraud and optimize your payments journey
- In-storeDynamic, modern in-store payments
- eCommerceOnline and mobile payments
- Alternative payment methodsGive more ways to pay
- Value-added servicesEngagement, optimization and reporting
- Fraud managementEnd-to-end fraud orchestration
- Risk, security, and complianceAchieve and maintain compliance
- NEW Datos names ACI Worldwide best-in-class in payments orchestration
- Industries we serve
- Billing and bill payments
- ACI SpeedpayDrive customer satisfaction with the widest range of bill pay options in the industry.
- Bill payment APIs and SDKsOutsource bill payment processing
- Fraud managementAI-based fraud orchestration technology
- Alternative payment methodsGive more ways to pay
- Loan servicingPreferred loan payment options
- Treasury managementStreamline and integrate your back office
- Automated debt collectionImprove your collections process
- Digital walletsManage digital cards and payments
- PCI compliance and securityAchieve and maintain PCI compliance
- Industries We Serve
- Fraud management and payments intelligence
- Fraud managementFraud solutions to minimize risk and prevent fraud
- Fraud management for bankingEnterprise-wide fraud prevention
- Anti-money launderingStay ahead of money-laundering schemes
- Robotic process automationAutomate payment processing operations
- Fraud management in the cloudProtecting your business in the cloud
- Fraud management for merchantsProtect payments from end to end
- ChargebacksPrevent chargebacks before they happen
- SCA complianceAchieve and maintain SCA compliance
- Digital identity solutionsConfirm identities with behavioral analytics
- NEW Scamscope fraud report: APP scam trends from around the globe
Company
CustomersPartners
Home
Grow market share
Capture the rapidly growing volume and value of real-time payment transactions
Attract and retain customers
Meet new customer expectations for real-time payments and experiences, 24/7/365
Simplify payment systems
Support multiple global schemes and add-on capabilities from a single implementation
Prepare for real-time and digital payments growth
Leverage a complete, end-to-end solution for real-time and digital payments to prepare for growth in transactions and revenues.
Combine origination, processing, orchestration, clearing and settlement, fraud detection, and connectivity capabilities — all on a single platform
Trust in a highly scalable, fault-tolerant, proven solution
Launch value-added services
Rapidly launch value-added services with built-in open banking capabilities.
Offer contactless and secure QR code payments, including merchant-initiated payments using dynamic QR codes
Integrate end-to-end bill payments globally with self-service portals and onboarding processes
Simplify integration for merchant mobile applications, including support for Request to Pay (RtP)
Provide added security with flexible person-to-person (P2P) payment services based on proxy/alias
Enable digital payment overlay services for liquidity management, ERP integration, invoice and accounts payable management, P2P payments, account-to-account payments, PoS, ePoS, and more through ACI’s partnership with Mindgate.
Build a real-time business
Gain additional business functionality to support your organization’s high-volume, data-rich digital payments ecosystem.
Feature stand-in authorization, liquidity management, batch processing, transaction warehouse, transaction reconciliation, and case management
Support Request to Pay (RtP), Person-to-Person (P2P), and recurring payments
Leverage complete capabilities for real-time payments, including real-time balance, fraud management for real-time fraud prevention, and front-end digital overlay capabilities
Integrate into any other banking system and data to create a single customer view across the institution
Trust a proven solution
ACI currently supports 18 real-time domestic schemes around the world, including FedNow, Zelle, and TCH in the U.S.
Approximately 50 percent of the U.K.’s Faster Payments (UKFP) and 75 percent of Hungary’s GIRO transactions are processed through ACI Enterprise Payments Platform
Utilize the same core processing infrastructure as Malaysia’s Real-time Retail Payments Platform (RPP), and STET’s real-time payments platform for PSPs in Europe
Customers using real-time payments capabilities to access Singapore FAST and the Australian NPP (New Payments Platform)
Benefit from flexible deployment options
Choose between a licensed or SaaS model — or a hybrid approach — based on your business needs.
Offer real-time Software as a Service in ACI’s own data centers for customers in the U.K., U.S. and Europe
Lower operational costs via economies of scale and a shared access approach
Utilize a licensed option to run and manage ACI software on your premises, in your private cloud or in the public cloud
Leverage the SaaS model in the public cloud for quicker implementation
Modernize your payments experience
A single solution to centrally monitor and control your entire IT-based payments infrastructure.
- Gain real-time visibility, monitoring, and analytics of transaction flows, systems, and queue statuses
- Turn data into intelligence with flexible reporting and deep insights for different departments
- Deliver a flawless payments experience with reduced downtime
GET MORE FROM YOUR PLATFORM
Real-time ready
ACI Worldwide delivers payment solutions that enable banks, merchants and billers to send and receive money in real time
ACI Connetic
Accept, transform, and transmit any payment, for any purpose, in any form, from any source in real-time, all in one cloud-native platform
ACI Fraud Management for Banking
Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers and payment networks
ACI Issuing
Single issuing platform for all cards, contactless, mobile and alternative payments and tokens, with global connectivity
ACI Acquiring
Enhance your acquiring business with a highly customizable solution that will transform your merchant experience
Consumer payment processing
End-to-end management of consumer payment instruments, banking channels and transaction processing for both cards and new digital payment types
Digital overlay services
Gain full value from your digital payments solution, drive new revenues and rapidly bring innovative payment offerings and value-added services to market
ATM and self-service banking
Complete, end-to-end ATM solutions for terminal handling and transaction acquiring and processing for integrated self-service and digital banking
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
Related Resources
Whitepaper
Banking
The New Payments Era — Embracing change at full speed and future-proofing payments for tomorrow’s needs
By blending expert insights from key leaders in the payments space with forward-looking analysis, this paper offers a practical roadmap for navigating what’s next. It empowers all players in the payments ecosystem to rethink strategy, embrace innovation, and stay ahead in a fast-moving industry.
Episode 1
Video
Inside Real-Time Series
The Rise of Cloud and Managed Services
As customer demands evolve across Europe, could banks outsource to cloud and managed services and improve their overall operational efficiency?
Trends
Banking
Real-Time Payments: Economic Impact and Financial Inclusion – Executive Summary
Instant payments drive financial inclusion and change lives by creating a path for financial institutions to serve hundreds of millions of new customers. By allowing for the transfer of money between consumers and businesses within seconds rather than days, real-time payments improve overall market efficiencies in the economy resulting in substantial net savings for consumers and businesses.
