Digital Overlay Services

Integrated Value-Add Services for Real-Time Payments

Drive new revenues and rapidly bring innovative payment offerings and services to market with digital overlay services from ACI Enterprise Payments Platform. Powerful orchestration and processing allows banks and financial intermediaries to take full advantage of emerging alternative payments and real-time payments growth in an open banking ecosystem.

Capture Market Share
Enable new customer experiences and payment methods including Requests for Payment (RfP), QR code payments, mobile payments, P2P and more

Improve Security
Combat authorized push payments and new account fraud

Accelerate Innovation
Integrate your open banking and digital channels directly with your ACI payments engine to quickly bring innovative payment offerings to market

Add Real-Time Payments Value

Create ROI for real-time payments with improved cash management and new services integrated into ACI Low Value Real-Time Payments solution.

Transform services across your entire business

Support for recurring payments and billing

Offer emerging and alternative payment methods (RfP, P2P payments, account-to-account, etc.)

Optimize liquidity management and invoice and accounts payable management

Deliver white-label mobile apps, portals, plug-ins, APIs and SDKs

Business man holding smartphone and touching screen
A person uses a QR code to pay wirelessly.
Qr code payment, E wallet , cashless technology concept

Secure Alternative Payments

Take advantage of multi-layered fraud management — driven by machine learning — that delivers omni-channel visibility backed by risk experts and advanced analytics, from ACI Fraud Management solution.

Leverage new secure payment innovations including QR codes and Request to Pay

Improve your real-time payment fraud prevention

Combat authorized push payment and new account fraud

Gain a 360-degree approach to enterprise fraud management

Achieve End-to-End Digital Experiences

Integrate seamlessly with popular and emerging banking and payment channels within your business and the ecosystem, with ACI Enterprise Payments Platform.

Integrate third-party offerings and support API exposure for open banking

Connect to corporate banking channels, including ACI Digital Business Banking

Enable internet and mobile banking with highly-functional plug-ins, white-labeled applications and off-the-shelf APIs

Integrate with mobile wallets, eCommerce portals, mCommerce apps, bill pay apps and social media apps

Ground level from roadway looking up at skyscrapers with red, white and yellow light reflective circles

related solutions

Real-Time Ready

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

ACI Enterprise Payments Platform

Enabling banks, processors, national infrastructures and fintechs to rapidly respond to shifting trends, regulatory mandates and new competition across all lines of business and payment types.

Consumer Payment Processing

Single solution for end-to-end management of consumer payment instruments, banking channels and transaction processing for both cards and new digital payment types.

Payment Testing (ASSET)

Simulate and test all elements of the underlying payments infrastructure to ensure reliable and error-free payment systems.

ISO 20022

Meet ISO 20022 compliance challenges and migration deadlines, and improve the customer experience for high-value and real-time payments.

Payment Service Management

Integrated suite of advanced software products that provides in-depth monitoring and analysis of your payments transactions, applications and infrastructure.

ACI Omni-Commerce

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

Machine Learning

Advanced technology specifically designed for rapid deployment and ease of use by business users to accelerate the benefits of machine learning.

ACI Digital Business Banking

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

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