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UP is at the core of ACI’s strategy to provide the broadest, most integrated suite of electronic payments solutions in the market. UP is:

  • Our vision of enabling real-time, any-to-any electronic payments for financial institutions, intermediaries, merchants and billers
  • Our unique underlying technology framework, the UP Framework, consisting of flexible, open payment services that enable you to innovate quickly, reduce risk and gain choice, flexibility and control over your payment strategies
ACI Fact Sheet

The UP Framework

As our underlying technology, the UP Framework orchestrates all aspects of payments processing for any payment type, any channel, any currency and any network. When enhanced with this unique foundation, our solutions:

      Support financial institutions' chosen Open API strategy through API manager capabilities

      Provide the ability to invoke and orchestrate reusable business services

      Support ease of integration with other systems

      Provide robustness and high availability in complex environments

      Enable seamless integration of ACI products to create a consistent cross-solution experience


With comprehensive payment solutions for financial institutions, intermediaries, merchants and billers, ACI has a solution to meet your needs.

  1. UP Retail Payments
  2. UP eCommerce Payments
  3. UP Bill Pay
  4. UP Real-Time Payments
  5. UP Immediate Payments
  6. UP Merchant Payments
  7. UP Payments Risk Management
UP framework