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UP - Our Solution Suite Connecting More Ways to Pay with More Payment Capabilities

UP orchestrates thousands of payment capabilities — business services such as authorization, authentication, tokenization and more. These capabilities are combined in unique ways, forming the UP solutions that perform the payment functions you need. 

UP connects to the latest ways to pay globally, including acquirers, networks, emerging schemes, and local and alternative payment types, using powerful API management. Whether you license UP solutions or run as a tenant on our platform, only UP can deliver the payments-grade capabilities required in today’s real-time, open world of payments.

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UP Solutions

UP Retail Payments – An enterprise payments solution for acquiring and authorizing transactions across all digital payment channels
Ideal for: Banks, Intermediaries

UP Real-Time Payments – A single, universal solution offering corporate and retail, high- and low-value, domestic and international real-time payments 
Ideal for: Banks, Intermediaries

UP eCommerce Payments – A global, secure solution for online merchants and merchant service providers, offering an optimal customer journey, regardless of channel or country
Ideal for: Merchants, Intermediaries

UP Merchant Payments – A seamless omni-channel solution that transcends channel, geography or payment type
Ideal for: Merchants

UP Bill Payment – A secure solution for electronic bill presentment, payment and consumer communications
Ideal for: Corporates

UP Payments Risk Management – A next-generation real-time fraud detection and prevention solution, offering a 360-degree approach to enterprise fraud management
Ideal for: Banks, Intermediaries

Universal Online Banker – A cloud-based digital banking platform featuring a vast open API library, feature-rich functionality and extensive reporting capabilities
Ideal for: Banks

UP is Payments Grade

UP solutions are underpinned by a set of quality characteristics that are essential to world-class payment solutions.
  • Capacity End-to-end concurrent payments processing with high reliability and predictable resource consumption
  • Availability Accepting and processing payments all the time
  • Serviceability Easily and quickly installing, upgrading and deploying a system
  • Scalability Cost to operate per transaction is consistent, regardless of scale
  • Security Authenticating, authorizing and auditing all interactions in the end-to-end payments ecosystem
  • Globality Ability to work with existing and new payment networks around the world with ever-decreasing cost

Capture the Open Payments Opportunity

UP’s advanced API management capabilities support financial institutions’ open banking strategies, while ensuring compliance with regulatory requirements including PSD2 and GDP2. 

Ready to maximize the open payments opportunity? Learn how UP can help you:

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More than 1,000 of the largest financial institutions and intermediaries, as well as thousands of global merchants, rely on ACI to execute $14 trillion each day in payments and securities.