ACI Financial Messaging | ACI Worldwide

Every standard, one platform

SWIFT MT, ISO 20022 CBPR+, SEPA, T2/TIPS, and instant payments—all managed from a single application.

Deploy without disruption

Go live alongside your existing infrastructure in months. No core payments system replacement. No forced cut-over.

Manage the complexity banks face today

Payment messaging standards aren’t converging, they’re multiplying. ISO 20022 alone comes in multiple flavors: CBPR+ for SWIFT, different structures for SEPA, T2 and TIPS, and domestic variants in markets around the world. SWIFT MT messages remain in active use through a long coexistence period. Instant payment schemes bring their own message formats and annual release cycles. Managing all of these from separate, fragmented systems creates operational risk, compliance exposure, and investigative complexity that grows every year.

ACI Financial Messaging brings every standard under one roof. A modular platform built specifically for regional and mid-sized banks that routes, converts, and governs all your payment messages, without requiring you to replace a single core system.

Handle every standard from one application

Translate natively between SWIFT MT and ISO 20022 without a third-party converter
Protect banking relationships by managing the SWIFT MT/MX coexistence period without forced cut-over
Receive annual standards updates delivered as standard ACI product updates including SWIFT mandates, SEPA scheme releases, and scheme rule changes


Messaging standard	ACI Financial Messaging support
SWIFT MT	All categories
ISO 20022 CBPR+	Native MT<>MX translation and coexistence management
SEPA/SEPA Instant	SCT, SDD, SCT Inst, and annual scheme updates
T2/TIPS & domestic variants	Eurosystem and national ISO 20022 flavors

Give your operations team total visibility

Unify all schemes with powerful search, automated message correlation, and full lifecycle traceability to reduce investigations from hours to minutes.

Search across schemes simultaneously

Query by message type, content, status, date, or counterparty across SWIFT, SEPA, instant payments, and more in a single search.

Automatically correlate related messages

Give the full picture by presenting original payments, replies, returns, and rejections side‑by‑side, without manual cross‑referencing.

Trace every message through its full lifecycle

Ensure end‑to‑end visibility from submission to resolution with immutable audit trails and auditable PDF exports for every event.

Eliminate complexity across schemes

Centralize cut-off time management, holiday calendars, and scheduling across all schemes from a single interface

Fits your ecosystem. Runs on your infrastructure.

Deploy alongside your existing environment with flexible integration, modular architecture, and no forced change to core systems.

API‑first integration
REST APIs, message queues, and file-based connectivity to any core banking system
On‑premises deployment
Customer-managed installation keeps sensitive payments data fully under your control
Database agnostic
Compatible with SQL Server, Oracle, and MySQL
Modular by design
Activate only the schemes you need today, extend as requirements evolve
Standard technology stack
Java/Spring-based platform with Apache Tomcat support

Controls and governance built in as standard

Governance, audit, and standards management are embedded directly into the platform—no custom workflows or bolt-on tooling required.

Four‑eyes authorization
Mandatory dual approval for critical payment actions
Role‑based access control
Fine-grained permissions with full audit traceability
SWIFT LAU & PGP security
Message integrity and network compliance by default
AML integration via API
Simple connection to existing sanctions and screening platforms
Standards mandates managed by ACI
SWIFT, SEPA, and ISO 20022 updates delivered through the standard release cycle

Faster intelligence with embedded AI

An optional AI module adds advanced analytics and pattern discovery directly to your messaging operations, without exposing sensitive payment data.

Anomaly and trend analysis
Detect volume shifts, behavioral anomalies, and emerging patterns
Advanced transaction analytics
AI-generated insights that accelerate investigation and reduce manual analysis
Secure by design
All AI processing runs inside ACI’s deployment environment—no external models