ACI Low Value Real-Time Payments
Real-Time Payments Processing
Enable banks and processors to connect to all 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
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
RELATED SOLUTIONS
Real-Time Ready
ACI Worldwide delivers payments software that enables banks, merchants and billers to send and receive money in real time
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
ACI Issuing
Single issuing platform for all cards, contactless, mobile and alternative payments and tokens, with global connectivity
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
Info Sheet
Banking
ACI Low Value Real-Time Payments and The Clearing House and Zelle Real-Time Payments Solution
ACI® Low Value Real-Time Payments™ is a full-featured, real-time payments solution designed to speed time to market, reduce implementation risk and lay the foundation for rapidly addressing demand for real-time digital banking.
Info Sheet
Banking
ACI Low Value Real-Time Payments in the Cloud
ACI’s cloud service for ACI® Low Value Real-Time Payments™ is designed to ease your move to real-time payments. ACI enables institutions and PSPs to more quickly go to market with faster payments innovations and effortlessly manage participation in any real-time network across the globe.
Resources
Banking
Real-Time Payments: A Mix of Simple, Smart and Secure Will Be Crucial for Further Adoption
In our global payments report, we predicted that 2020 would be Prime Time for Real-Time. And that was before the COVID-19 pandemic accelerated the adoption of real-time and digital payments around the world, which quickly became a necessity in keeping citizens safe and businesses afloat. During the recent ACI Edge Virtual event for banks and intermediaries, we discussed the challenges of real-time adoption with some of the industry’s leading experts. I caught up after the event with Lisa Neary, head of payments at Co-op Bank UK, Ian Gausden, head of real-time payments at Mastercard, Vincent Brennan, head of group payments and business continuity management at Bank of Ireland and Enrico Albertelli, head of payments and digital banking solutions at Nexi.
