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Achieve Real-Time Payments Modernization

UP Real-Time Payments brings real-time hub and API capabilities to payments at banks, processors, merchant acquirers and fintechs.

Connect with all global real-time payments schemes, as well as real-time and digital payments within your existing payments environment, including the orchestration of RTGS (Real-Time Gross Settlement), SWIFT messaging, ACH and instant payments across your business. All with the power to quickly create differentiated products and services.

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UP eCommerce Modernization

Modernize Payments in Record Time

With many pending changes in the North American payments landscape, BMO chose to modernize their payment systems to meet the evolving demands of their customers and create a platform for future innovation.

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BMO modernizing payments record time

Quickly Connect to Any Real-Time Payments Scheme

  • Prepare for new scheme launches and rapidly enable new gateways cost-effectively, such as the upcoming FedNow and P27 initiatives, as well as real-time schemes in Saudi Arabia, New Zealand, Thailand, Canada and more
  • Leverage multi-bank, multi-currency and 24x7 payment processing capabilities, in addition to seamless integration with multiple high-value payment clearing and settlement mechanisms, including RTGS, ACH/SEPA and deferred net settlement systems
  • Comply with Fedwire Payment Notification, the SEPA EPC Rulebook and EBA STEP2, as well as SWIFT standards for MT and MX/ISO20022
Any Real Time Payments Scheme

Protect Your Existing Systems and Business Flows

  • Leverage complete, end-to-end ISO ISO20022 capabilities, including integration into non-ISO systems and canonical orchestration of messages to provide a pathway to full real-time operations
  • Take full advantage of SWIFT gpi and Universal Confirmations for cross-border, real-time payments with complete SWIFT messaging capabilities
  • Capitalize on open payments with five pre-packaged APIs compliant with PSD2, U.K. Open Banking, Monetary Authority of Singapore (MAS) API Framework and Australia’s Customer Data Right (CDR) within UP Framework API manager capabilities. 
  • Meet regulatory requirements and underpin new services: account information, payment initiation, customer authentication (AUTHN), access controls & limits (AUTHZ), and eCredential management (OAUTH TOKEN)
  • Manage new ecosystem partners and protect customers via the third-party provider (TPP) dashboard and management console to ensure sensitive data management and compliance with customer controls

Unlock the Value of Real-Time Payments with Digital Overlay Services

  • Launch digital overlay services across your business including: Request to Pay, liquidity management, ERP integration, invoice and accounts payable management, P2P payments, account-to-account payments, PoS, ePoS and more
  • Leverage the only end-to-end real-time and digital overlay services solution for Request for Payment and more via ACI and Mindgate
  • Integrate with digital channels, including ACI Universal Online Banker, to enable end-to-end payments transparency for corporate customers
Digital Overlay Services

Flexible Deployment to Fit Your Needs

UP Real-Time Payments solution is available in the deployment model of your choice.

Discover ACI’s on-premise, public cloud, hybrid deployment and SaaS offerings and see which best meets the needs of your business.

ACI Cloud Powered Capabilities

Extend Your Existing ACI Solution Capabilities with UP Real-Time Payments

UP Retail Payments solution
UP Real-Time Payments enables real-time-ready capabilities for all of your retail payments, including card issuing, merchant acquiring, card and merchant management, alternative payment processing and instant payments.

UP Immediate Payments
As part of the UP Real-Time Payments solution, UP Immediate Payments brings connectivity, liquidity management, exceptions handling and business intelligence to your instant payments. See how you can bring instant payment capabilities to your card and non-card engines.

Money Transfer System
Money Transfer System is the global RTGS payments engine that is part of the UP Real-Time Payments solution. Discover the processing power of Money Transfer System, explore the SWIFT gpi capabilities and see how you can upgrade to a full real-time payments hub.

UP Payments Risk Management
UP Payments Risk Management brings real-time fraud prevention and anti-money laundering (AML) capabilities to your payments hub by leveraging machine learning for decisioning in real time and improving the operational efficiency of fraud management. See how UP Payments Risk Management can prepare your fraud prevention for real-time payments.