Secure Omni-Channel Payment Processing

ACI’s payment platform provide the flexibility to support in-store, online and mobile needs, and the scalability to power sales today and in the future.

Payments Security
Ensure advanced payments security with smart tokenization (including omni-tokens) and P2P encryption.

Protect Against Fraud
Protect customers and penetrate new markets safely with robust, multi-layered fraud prevention capabilities.

A Global Payments Network
Accept all payment types and access a global network of alternative payment methods through a single eCommerce payments gateway connection.

Seamless Payments Across Multiple Merchant Shopping Channels

Serve your customers globally using their preferred payment methods anytime, any place

Deliver payment services across digital channels and in-store from the same payments platform

Support true multi-channel customer journeys with a consistent, seamless payments experience

Gain a single view of your customers across channels and enable personalized service and closer relationships

Bring digital payment experiences in-store with pay-by-mobile capabilities

Comply with nexo standards for fast, interoperable and borderless payments acceptance

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Secure Your Ideal Payment Processing Platform

Choose a deployment model including in your private data center, public cloud or as a fully managed merchant payments service

Support the growth and deliver mission-critical payment solutions with a stable and scalable platform, with fully redundant data center facilities

Select your preferred acquirers, terminal vendors, etc. for a full omni-channel solution. Also offered as a packaged, pre-certified solution for easy implementation and fast onboarding

Reduce the burden and costs of compliance

Stay Flexible and in Control Through Multi-Acquiring

Achieve acquirer independence to increase conversions and add flexibility, resilience and cost savings.

  • Access local and cross-border acquirers through a simple integration to an independent eCommerce gateway
  • Route transactions to the acquirers best suited to your business, location and transaction type
  • Retry declined transactions without making further demands on your customers
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Measure Revenue Uplift and Cost Reduction

ACI Worldwide’s payments acceptance rate of 98% consistently outperforms the industry average of 77%.* Get in touch with an ACI payments expert to realize your organization’s potential gains from investing in a payment optimization strategy.

Industry Expertise

Enable omni-commerce payments

Accept Anywhere

ACI Worldwide delivers payments software that enables banks, merchants and billers to send and receive money in real time.

Risk Analysts

Dedicated support from a global team of experienced fraud and risk analysts, working closely with merchants to develop and manage tailored, real-time risk strategies.


Protect your customer data and reduce PCI-compliance obligations with single- and multi-use tokens.

In-Store Merchant Payments

Modern payments solution to support in-store digital innovation to meet growing demand for emerging payment methods.

P2P Encryption

Point-to-Point Eccryption protects payment data with instantly encrypted card and customer information from the terminal through to the payments switch.


Gain greater flexibility and control over your acquiring relationships with ACI’s merchant payment offerings.

Payment Analytics for Merchants

Omni-channel payment analytics with customer dashboards, reporting and more to help merchants maximize profits with actionable data insights.

*According to the 2021 MRC Global Fraud Survey