Modernize Your Payments Infrastructure in the Cloud

Backed by flexible deployment options and more than two decades of cloud expertise, ACI can speed your transformation and help you derive the full benefits of the cloud

A cloud floats between two walls of servers. A way of showing the idea of what cloud computing is.

Choose Your Ideal Deployment

Licensed Model
License ACI software and run it in your private cloud or in the public cloud of your choice.

SaaS Model
Deploy ACI software in our private cloud or in the public cloud.  

Hybrid Model
Use a combination of licensed and SaaS approaches based on your unique needs.

Cloud Solutions Built for Your Business

Banks and Intermediaries 

Take advantage of today’s opportunities — real-time payments growth, ISO 20022 migration, open banking and more — with ACI’s cloud-ready payment solutions. Gain the full benefits of the cloud, including:

Reduced Total Cost of Ownership including FTE, through full support of ACI’s leading technology and industry experts.

Lower Cost Per Transaction through economies of scale and operational efficiencies.

Complete compliance and outsourced maintenance and operations.

Progressive Payments Modernization in line with your business strategy.

Looking up at the blue cloudy sky with building windows reflecting the clouds


ACI offers comprehensive solutions for merchants and payment providers, supporting both card-present and card-not-present payments and providing industry-leading fraud prevention and detection capabilities through our data centers.

Accelerated innovation through continuous implementation and development

Dynamic elasticity to meet peak volumes and cost savings

Enhanced collaboration between IT, DevOps, and third-party fintechs and partners

Proven performance that ensures high availability, scalability and security

Transforming Your Payments in the Cloud

Billing Organizations 

ACI Speedpay gives insurers, healthcare providers, governments, utilities, colleges and subscription providers a 24x7x365, state-of-the-art processing environment that:

Ensures compliance with PCI, CFPB, HIPAA and numerous other compliance standards

Reduces the costs of ongoing compliance and day-to-day operations

Delivers an integrated platform for rapid innovation

Provides flexibility in offering and managing a broad range of payment channels

A room lined with floor-to-ceiling servers, it's awash in blue light, has white tiled flooring, and 8 hexagonal overhead lights
Line of servers with a cloud floating by them

Take Your Payments to the Cloud with ACI

Focus Your Resources on Your Core Business

related solutions

Maximize Your Benefits

Explore related ACI Worldwide solutions to ensure your ongoing success.

ACI Speedpay

Integrated suite of digital billing, payment, disbursement and communication services that lowers the cost of presenting and accepting bill payments while delivering industry-leading security

ACI Secure eCommerce

A powerful payments gateway with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods

ACI Omni-Commerce

A secure, scalable, omni-channel payment processing platform with the flexibility to support in-store, online and mobile payments

ACI Fraud Management for Merchants

Multilayered, real-time fraud management and ongoing monitoring of online and mobile transactions for merchants and payment service providers

ACI High Value Real-Time Payments

Gain multi-bank, multi-currency processing capabilities and seamless integration to multiple clearing and settlement mechanisms

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

ACI Digital Business Banking

Cloud-based digital banking platform with a vast API library and market-leading payments functionality to enable banks to reduce expenses and increase market share

ACI Fraud Management for Banking

Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers and payment networks