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Meet Your Current Instant Payment Requirements

The critical need to deliver real-time payment experiences now for customers in your retail banking business can be met with UP Immediate Payments, whilst creating a simple path to become a fully real-time enabled bank.

UP Immediate Payments can be quickly and easily deployed to meet all real-time scheme gateways in the regions where you do business

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UP Immediate Payments data sheet

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.

The Immediate Payments Business Case for Banks

By adopting immediate payments, banks can regain revenue that they are currently losing to non-bank payment providers and offer innovative payment products that win new customers. Banks also have the opportunity to pursue internal enterprise payments renovation and retire outdated legacy systems. Such internal harmonization and efficiency can create benefits for customers that go beyond real-time payments, including enabling them to create products and services that consolidate a bank's role as the provider of choice for financial services.

Bring Value to Corporates