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.Contact Sales
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.
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
Protect Your Existing Systems and Business Flows
- Leverage complete, end-to-end ISO 20022 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
- Orchestrate real-time payments alongside card and non-card transactions for SLA or least-cost-driven transaction routing
- Deliver improved fraud prevention for real-time payments with digital overlay services that combat the rise in authorized push payment and new account fraud
- Integrate with digital channels, including ACI Universal Online Banker, to enable end-to-end payments transparency for corporate customers
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.
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.