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Any Payment, Every Possibility

Turn the disruption of today’s payments ecosystem into opportunity with Universal Payments — UP. This family of solutions helps you innovate and thrive by combining payment capabilities in new and different ways while maintaining the performance, security and scalability you’ve come to expect from ACI.

With UP, your payment possibilities are unlimited.

  • Powerful Payments Orchestration – Navigate the complexities of payments by streamlining connections between disparate systems and networks with simple, secure, open interfaces.
  • More Ways to Pay – Let your customers pay their way – on any device, through any channel, in any currency, anywhere in the world.
  • More Payment Capabilities – UP helps you transform your business by delivering any payment capability simply, quickly and securely.
  • Peace of Mind – Trust ACI to deliver high-performing, reliable, scalable and secure payment solutions you can rely on while you focus on your core business.
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Why UP?

Whether installed on your premises or managed by our experts in the ACI cloud, UP solutions feature qualities and attributes that are unmatched in the industry. Combined with open, modern, low-cost platforms and databases, UP delivers the highest value with lowest total cost of ownership.

  • Capacity End-to-end concurrent payments processing with high reliability and predictable resource consumption
  • Availability Uptime ensuring ability to accept and process payments all the time
  • Serviceability Automated deployment and upgrade capabilities
  • Scalability Ability to adapt as needs change over time
  • Globality Support for an industry-leading number of ways to pay for unmatched connectivity
  • Security Highly sophisticated protection from data breaches and unauthorized transactions

The Open Payments Opportunity

UP’s advanced API management capabilities support financial institutions’ open banking strategies and regulatory requirements such as PSD2 and GDP2. Maximize the open payments opportunity with UP.

Learn how you can:

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UP Solutions for Your Business

Whether you're a financial institution or intermediary seeking the opportunity to move beyond the complexities of legacy networks, or a merchant or biller looking to streamline the experience you deliver, our solutions open up avenues for new innovation, new business models and new relationships with customers. Learn more about our solutions.

  1. UP Retail Payments – An enterprise payments solution for acquiring and authorizing transactions across all digital payment channels
  2. UP Real-Time Payments – A single solution offering corporate and retail, high-value and low-value, domestic and international real-time payments
  3. UP eCommerce Payments – The simple, global, secure payments solution combining more than 350 card acquirers and alternative payment methods with real-time fraud prevention capabilities
  4. UP Merchant Payments – A seamless, secure omni-channel solution for merchants, including card present and card-not-present payment channels
  5. UP Bill Pay – Electronic bill presentment and payment solutions giving consumers the options they want
  6. UP Payments Risk Management – ACI’s next-generation real-time fraud detection and prevention solution
  7. Universal Online BankerA cloud-based digital banking platform for companies ranging from small businesses to large corporates
Universal Payments