ACI Low Value Real-Time Payments

Real-time payments processing

Enable banks and processors to connect to all real-time global schemes and deliver value-added services to their customers

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

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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

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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


Real-time ready

ACI Worldwide delivers payment solutions that enable banks, merchants and billers to send and receive money in real time