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Instant Funds and Confirmation
An immediate payment is an account to account transfer that provides 24x7x365 instant funds availability and confirmation. Payment certainty is based on a “good funds model”.

Driven by Customers and Regulators
The initial push came from regulators. But now, banks are driving this change too as they realize the benefits of overlaying innovative services onto an immediate payments infrastructure.

A Global Phenomenon
Zelle Network plus The Clearing House (TCH) Real-Time Payments, and pan-European SEPA Instant Payments are among new or emerging schemes to go live in 2017. The UK recently took the lead in opening its scheme to everyone with its New Access Model.

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Support Immediate Payments within Your Existing Environment

Re-use capabilities - Immediate payments can leverage the best of your existing environment to process as just another payment. Pre-packaged capabilities from ACI enable immediate payments to utilize the existing authorization, funds availability checking, to process transactions accurately.

Ensure a flexible, customer-centric approach - ACI’s solution, UP Immediate Payments, can help you offer new, innovative services across all channels. With customer use cases varying across segments, it is critical that providers have the ability to continually offer tailored services that are branded and priced according to their targets.

Protect against rising fraud risk - Protecting against fraud in this new processing environment is essential. ACI can help you complete this step in the journey in advance of a network being ready, placing you a step ahead of the competition. Read ACI’s best practices for real-time fraud.

Speed time to market - Aggregator services offer a payment intermediary or financial institution a predictable, low risk approach to get started with immediate payments. ACI’s SaaS offering for UP Immediate Payments is accredited by Faster Payments Scheme Ltd.

ACI Powers Real-Time Schemes Worldwide

ACI has powered real-time payments for an unmatched customer base of financial institutions and PSPs around the world. Our real-time solution, UP Immediate Payments, makes up a part of the U.K Faster Payments infrastructure.

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Of member banks in the U.K. rely on ACI’s solution to power Faster Payments

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ACI’s real-time payments solution is implemented in seven countries worldwide

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Customers and partners leverage ACI’s real-time payments solution

ACI UP Immediate Payments Stands Apart from the Rest

Natively Designed for Real-time

Unlike others, ACI’s UP Immediate Payments solution is natively built for real-time payments. It meets the unique processing requirements of real-time payments for multiple schemes and seamlessly manages enterprise-wide operations that are distinct to a real-time environment.

  • Expand your business to new, global markets with support for multiple global schemes from a single implementation.
  • Transform customer experience with specialized real-time services for fraud prevention, exceptions handling, liquidity management and business intelligence. 
View Business Operations Services Info Sheet

Prepared for Open Payments

Prepared for Open Payments

UP Immediate Payments combines instant and open payments with integration and orchestration of Open APIs managed in the UP Framework. Leverage the rich data available within the latest real-time standards, and unlock the value of that data with Open APIs.

  • Combine instant payments with Open APIs to deliver value-added overlay services
  • Meet corporate customer demands for improved remittance information in real-time including for cross-border instant payments
See how to create new revenue streams with instant open payments

Pre-packaged Cloud Service

To ease your move to real-time, pre-packaged cloud services are offered in collaboration with EBA RT1, The Clearing House Real-Time Payments System, Zelle Network and U.K. Faster Payments. 

  • Accelerate time-to-market and streamline onboarding with pre-tested, pre-configured processing for schemes.
  • Simplify participation with ongoing scheme maintenance and IT support.
  • Lower real-time operation costs with economies of scale and a shared access approach.
View UP Immediate Payments in the Cloud info sheet