Pioneering Customer Payments
Many new customer segments are seeking alternatives to traditional payment options. They want more choice, less cost, greater transparency and better control over online and in-store purchases. ACI Instant Pay lets your customers experience the ultimate checkout process — instant and secure with no cash or cards required.
Consumers Are Seeking New Ways To Pay
Innovative payment alternatives help merchants overcome the challenges of traditional payment methods1
12+ Billion
USD in card fraud losses in 2022
30%
of chargebacks are from stolen cards
80%
of card fraud is eCommerce-based
0.6%
of all transactions are chargebacks
A True Omnichannel Payments Solution
ACI Instant Pay lets customers pay merchants straight from their bank accounts in real time. The solution allows merchants to reduce their own costs or pass savings on to their customers through cashback, loyalty points or discounts.
- Directly pass value to the consumer with no card fees, delays and no risk of fraud
- Decrease transaction fees with instant payment settlement
- Eliminate chargebacks by linking directly to consumers’ bank accounts
- Achieve higher approval rates with only NSFs, resulting in a decline
- Enable and expand checkout experiences across all channels
- Increase customer loyalty with incentives like cashback, loyalty points and discounts
- Expand globally with transparent, multi-currency transactions
- Execute payments in real time, eliminating costly interchange fees
ACI Offers Extensive Global Coverage Across the Wallet Hub Network
Gain complete access to a large and ever-growing suite of digital wallets as part of the core API so you can offer the alternative payments your customers prefer at checkout — eCommerce, mobile apps and in-store.
INDUSTRY INSIGHTS
Riding the Digital Payments Wave
Discover the latest trends and how they stand to impact retailers’ omnichannel strategies in our new digital payments eBook.
Related Digital Wallet Solutions
Explore More Solutions
ACI Worldwide offers a wide variety of industry-leading, award-winning solutions to support digital and mobile wallet transactions
ACI Payments Orchestration Platform
Design payment flows that connect to multiple payment providers and maximize customer conversions using ACI Worldwide’s payments orchestration platform
ACI Secure eCommerce
A true payments orchestration platform 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 Fraud Management for Merchants
Reduce chargebacks, fraud and false positives while increasing conversion with ACI’s machine-learning driven merchant fraud management
Digital and Mobile Wallet Solution
Adapt to the modern payments landscape with ACI Worldwide’s digital and mobile wallet solutions
ACI PayAfter
Increase conversions with BNPL: credit acceptance rates of up to 85%, access to larger credit lines and a 0-40% greater spend with BNPL versus credit cards
ACI Revenue Optimizer
Enable the convenience of automation and a single consolidated view of your back office and order to cash management
ACI Pay by Link
ACI Pay by Link provides you with secure payment links so you can maximize all of your channels — providing a seamless customer experience
ACI Smart Engage
Drive revenue from ads and other media with interactive shopping experiences and seamless mCommerce triggered by images, audio and geotags
Zero Fee Crypto
Accept cryptocurrency payments from around the world and get next-day settlement with ACI Zero-Fee Crypto.
1 https://shiftprocessing.com/chargeback-statistics/
Related Resources
eBook
Banking
Prime Time for Real-Time Report: Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit? Explore how 48 global markets are adopting real-time payments and unlocking benefits across the ecosystem as a result.
Resources
Banking
What’s Next for Real-Time and Digital Payment Experiences?
The payments industry is constantly looking at ways to streamline retail payments, reduce costs, increase security and improve the customer experience. But these efforts inevitably introduce more players into the ecosystem, or lower cost and risk on one side (i.e.
