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UP Retail Payments bridges the features and functionalities of current systems with next-generation technologies to deliver a preeminent digital payments experience.

This complete and customizable end-to-end enterprise payments solution supports Open API strategies by leveraging ACI's extensive API library and provides a path for handling real-time payments.

Organizations can continue business as usual while adding new services and innovating in a protected environment.

Find the right solution for your business needs or contact us to get started.

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Take Advantage of the Evolving Payments Ecosystem with Industry-Proven Technology

  • Deliver robust payments orchestration, enabling ease of integration with multiple systems for an enterprise view of customers, accounts and transactions, and simplified API management
  • Reduce the effective cost per transaction by moving to modern technology, including Linux/x86 on premise or in the cloud 
  • Flexibility to operate this solution on a range of hardware options, including x86/Linux, IBM System z, IBM System p, HP NonStop and Oracle Solaris servers
 

Transform Your Legacy Consumer Payment Systems to a Next-Generation Technology Environment

  • Combine features and functionalities of current systems and next-generation technologies in a coexistence environment
  • Meet authentication and regulatory requirements
  • Transform your legacy systems at your own pace  

Cloud-Powered Capabilities

Run your technology at the pace of business by launching your retail payments solution in the cloud. Through this flexible deployment option, you get all the benefits the cloud offers, including:

  • Dynamic elasticity to meet peak volumes and save on costs
  • Accelerated innovation through continuous implementation and continuous development
  • Enhanced collaboration between IT, DevOps, and third-party FinTechs and partners
  • Proven performance that ensures high availability, scalability and security

Realize Innovation Through the Convergence of Card, Open Banking and Real-Time Payments Capabilities

  • Supports your chosen Open API strategies and provides a path for handling real-time payments
  • Deepens the customer experience by providing choice, control and consistency across all payment channels
  • Drives additional revenue by delivering high-margin products and services

Serving the Entire Retail Payments Ecosystem

End-to-end management of payment instruments, banking channels and transaction processing for both cards and new digital payment types

• Issue and manage cards and token-based digital payments
• Enable consumer payment processing for online transactions
• Converge cards and real-time payments to support digital innovation
• Guarantee real-time reliability and availability for any payment type
• Clear and settle with all major international payment card schemes
• Manage ATMs and digital banking channels, including emerging open banking trends
• Enable comprehensive real-time fraud detection
Lower total cost of ownership for current and future payment needs, card or non-card, and real-time transactions

See how you can deepen your customer experience 

End-to-end payments acceptance and processing across in-store and eCommerce environments, regardless of the consumer payments acquiring, and offers greater control of the merchant accounting and settlement lifecycle

• Enable payments acceptance across channels, including in-store, mobile POS, eCommerce and mobile commerce 
• Differentiate your payments acceptance services with real-time and alternative payment types
Transform payments, switching to a full value-add services environment
• Expand your merchant portfolio and improve productivity through flexible merchant management capabilities
• Clear and settle with all major international card and alternative payment schemes in a manner that maximizes profits
Detect suspicious cardholder transactions and reduce revenue loss from merchant fraud in a 24/7 reality
• Deliver real-time, multi-tiered protection that's tailored to the needs of your eCommerce merchants

Read how Moneris saved $10 million in two years

Take consumer payment processing and acquiring beyond cards and deliver real-time payments experiences for customers while protecting against fraud

• Enable real-time payments and fraud prevention in advance of a network being ready, placing you a step ahead of the competition
Extend the value of your payment processing with real-time and open banking capabilities
• Deploy real-time balance capabilities to better serve customers without disrupting legacy systems
• Leverage our experience powering real-time schemes worldwide