Digital Central Infrastructure

Cutting Edge Real-Time Payment Infrastructures

Deploy secure real-time payment rails, launch new payment methods and schemes with back-office management using a single, innovative infrastructure solution

Trusted by 9 Central Infrastructures Across the Globe

ACI’s Digital Central Infrastructure: One Partner, One Solution

Transform payment ecosystems using a proven, tailored, real-time payment solution with onsite professional consultations.

Promote financial inclusion and unlock revenue streams with new payment use cases

Maximize the benefits of real-time payments with ISO 20022 messaging and an API-friendly solution

Reduce complexities and monetize the real-time payments revolution

Increase speed to market with an integrated digital overlay solution and back-office capabilities

A Single Solution for the Entire Payments Ecosystem

ACI provides an edge to central banks and financial institutions by bringing together real-time rails with integrated overlay services including back-office management in a single solution that increases speed to market.

  • Improve liquidity management and cash flows with an all-in-one inclusive solution
  • Introduce innovative payment use cases like QR codes, Request to Pay and more
  • Reduce illegal cash-based activities by leveraging network intelligence
  • Enable integrated back-office reporting and settlement to increase fund traceability

Delivering a Next-Generation Payments System

Research from ACI and GlobalData forecasts that real-time payments will account for 27.8% of all electronic payments globally by 2027*. Here are the top considerations on how to best take advantage of the new opportunities ushered in by next-generation payments.

Meet Global Standards for Real-Time Payments

Whether it is mandated by government, driven by businesses or citizen demands, the real-time revolution is here. Update to global standards and facilitate scheme interoperability to benefit from real-time payments adoption.

Enable country-side processing of instant payments

Maintain the liquidity position for each participant

Process both financial and non-financial ISO 20022 messages

Generate settlement and reconciliation reports for participants

Connect to a rich suite of APIs to realize new payment use cases

Increase interoperability with global real-time schemes

Accelerate Real-Time Payments Adoption

Benefit the entire payments ecosystem with ACI’s digital central infrastructure and keep pace as the market demands for new and innovative payment cases increase.

  • Stay competitive and strengthen the country’s global economic position
  • Foster innovation and remain tech-relevant
  • Combat money laundering in real time
  • Meet customer demands and reduce barriers to business


Transforming Payment Systems

How Central Infrastructures Provide a Foundation for Real-Time Growth

While fintechs grab the headlines with innovative digital replacements for cash, there’s no escaping the fact that it is a country’s central infrastructure that does much of the heavy lifting

Create Immediate Business Opportunities Through Central Infrastructure Initiatives

Governments and leaders of central banks have decided that the finance industry needs investment to be fit for the demands of digital economies

Three Critical Factors for Successful Central Infrastructures in a Real-Time World

Central infrastructures have a critical role to play within this environment and therefore need to be resilient, scalable and trustworthy

How New Zealand’s Banks Can Prepare for Upcoming Account-to-Account Real-Time Payments

Most major markets are now either live with national account-to-account (A2A) instant payment capabilities or have them in development


Real-Time Payments Advantage

Offer in-demand features and services to drive new growth.