ACI Instant Pay
The Real-Time Edge You Need Now
Eliminate interchange fees by providing customers a way to pay using their bank accounts across all channels and checkout experiences
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
USD in card fraud losses in 2022
of chargebacks are from stolen cards
of card fraud is eCommerce-based
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.
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