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 Zelle and TCH in the U.S., and FedNow as it moves toward production.
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 payments software that enables banks, merchants and billers to send and receive money in real time
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
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
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, transaction acquiring and processing for integrated self-service and digital banking
Related Resources
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FedNow Real-Time Payments
Jumpstart your real-time payments revolution by getting access to the connections you need to seamlessly integrate into the FedNow network.
Trends
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The Rise of Real-Time Payments in Europe
In this report, you will get a consumer-driven case for continued payments modernization in Europe, including insights from the 2021 European consumer payments landscape, why real-time payments are quickly becoming the most popular payment method in the region and how the demand for real-time will impact cross-border, eCommerce purchases.
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EU Instant Payments Legislation – Redrawing the Payments Landscape in Europe
In this exclusive on-demand webinar, our panel of industry experts will discuss key points of the legislative proposal and what it means for your bank, the business and economic case of real-time payments, implications, challenges and opportunities for banks and financial institutions and real-time payments in India — what are the lessons Europe can learn?
