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New Access Model, £200M in Business Opportunity

In this era of instantaneous information, businesses and consumers expect to be able to transact with speed and certainty. UK Faster Payments has proven the demand for such payments exist. Now it’s time to expand this capability and truly allow faster payments to be realized by all participants.

The UK Faster Payments organization is driving the New Access Model with the  goal to enable a competitive market through aggregated services allowing a broad range of participants to realize economies of scale through a shared approach. Faster Payments anticipates the New Access Model could create a £200m business opportunity while simultaneously lowering barriers to real-time payments.

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UP Immediate Payments, FPSL Accredited

UP Immediate Payments, accredited by Faster Payments Scheme Ltd (FPSL), enables payment organizations of all sizes -  payment intermediaries, fintechs, banks - any firm seeking to offer real-time payments  - to readily connect to the UK Faster Payments scheme.   We take care of the infrastructure, regulatory updates and manage fraud prevention so that you can focus on offering new capabilities and a better customer experience. Whether you are new to faster payments or transitioning from an indirect member relationship, ACI is here to help.


ACI manages the complete data center for the immediate payments solution, including connectivity and technical compliance. ACI makes the necessary investment in hardware and software to ensure every client’s solution operates optimally 24x7x365 within the most modern, state-of-the-art processing environment possible.

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A Trusted Partner

Used by over 50% of the direct members - ACI has been providing solutions to connect to the UK Faster Payments scheme since its inception in 2008.  Our solution offers ready access to the payment services offered by UK Faster Payments, with a low risk, predictable cost approach. Today ACI UP Immediate Payments on a SaaS model offers:


  • Accreditation by Faster Payments Services Limited
  • Active-active deployment ensures continuous 24x7 service to you and your customers when continuous up time is required


  • Offers speed to revenue - we on-board you quickly with a predictable budget
  • Flexibility to adjust as country schemes expand to growing eCommerce needs


  • Enterprise risk and vulnerability management program
  • Comprehensive internal audit program that focuses on IT and business processes, risk management and mitigation


  • Consultation to efficiently guide end-to-end testing
  • Ongoing support for scheme changes

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Payment Experts

ACI participates in numerous industry initiatives to lead the industry forward in faster, immediate payments.  Our experts can help you to determine the best path forward as you consider your approach to real-time payments.  Our solutions are recognized as best in class by the industry.

  • UK Payments Council participants
  • Participate in ISO20022 Real Time Payments group, Euro Banking Association (EBA) Instant Payments Forum, European Payments Council Scheme Technical Forum (ESTF), US Federal Reserve task forces for payments and security
  • ACI’s payment professionals deliver dynamic solutions, built upon 40 years’ experience in electronic payments
  • ACI payment solutions delivered in a SaaS model process 4+ billion transactions annually
  • Follow ISO 8583 and ISO 20022 best practices
  • Experience with country clearing across the globe and ready to expand the clearing options to include the European instant payments initiative
  • Extensive fraud, sanctions and AML controls to manage and reduce risk
  • Implementation Services Methodology to manage projects to completion on time and within budget


Awarded by PayFORUM

ACI Worldwide’s UP Immediate Payments wins the 2016 PayFORUM Award.

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real time

Driving Real-Time Revenue

Real-time payments can drive new product and service offerings to meet unique customer demand.

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Real-Time Payments Roundtable

Experts discuss how real-time is shaping the future banking ecosystem and what’s to learn from the journey so far.

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Learn More



Robin Setty
+44 (0) 7879 841455

Simon Stroud
+44 (0) 1923 813929


Payment intermediaries

(alternative payment providers and fintechs) 

Gareth Ellis
+44 (0) 7786 732845

Andy Morris
+44 (0) 7825 635041