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Any payment. Anytime. Anywhere.

Offering goods and services in-physical and digital channels requires payment solutions that are flexible and offer a broad choice of payments options the way the customers wish to pay. This includes traditional, alternative and emerging payment options.

The UP Merchant Payments solution from ACI delivers best-in-class omni-channel payments and fraud management capabilities designed to support your business and revenue growth needs through any channel, anytime and anywhere your customers want to transact.

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The UP Merchant Payments solution:

Provides merchants with a secure omni-channel payments solution which enables them to take control of their payments business by providing independence from control by third-party providers.

Supports all merchant consumer card present (CP) and card-not-present (CNP) payment channels:

  • Brick and mortar / in-store
  • Mobile POS (mPOS),
  • eCommerce and mCommerce
  • Call center/ Phone ordering
  • Bill payment and presentment
  • Alternative and emerging payments

Provides required layered sets of security solutions to protect consumer payments information throughout the payments lifecycle including:

  • Point-to-point encryption (P2PE)
  • Tokenization
  • EMV
  • Network segmentation
  • Fraud prevention and detection

Provides global connectivity to card associations, payments card networks, acquirers, third-party networks, alternative payment providers and value-added services.

Delivers an integrated set of “value-added” solutions that extend and complement the consumer’s payment and buying experience:

  • Loyalty program management, offer management (electronic coupons), check authorization, fraud detection, refunds risk management 

Facilitates multiple deployment options including, licensed software (on-prem) or hosted (ACI hosted and SaaS-based solutions) for minimizing the burden of PCI compliance.



ACI and Ovum

Webinar Replay: Shaping UP Your Payments for Growth

Gone are the days when payments were seen as purely transactional. Today’s merchants recognize that their payments strategy is key to improving customer experience, and they are shaping that strategy to promote retention and growth.

Watch as ACI Worldwide and independent analysts Ovum discuss the findings from two recent research studies that examine the priorities for merchant payments.

Learn more

A Family Business Grows into a Sporting Giant

Like other U.S. retailers, Scheels faced a challenge to maintain safe, convenient and cost-effective payment solutions as new security threats evolve, new payment forms become available and EMV migration moves throughout the marketplace

Read the full case study View all case studies