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Transforming Payment Environments

UP Retail Payments solution combines the features and functionalities of current systems and next-generation technologies in a coexistence environment to deliver a digital payment experience. The solution supports your chosen Open API strategies through the Universal Payments Framework’s API Manager capabilities and provides a path for handling real-time payments. This holistic solution delivers clear business value and benefits for transforming your payments environment while protecting the investments made in existing systems.

ACI has defined a practical path to the future called “Navigating the Five C’s.” It allows banks and intermediaries to maintain business as usual and add new services while transforming to an enterprise payment solution at your own pace.

With a secure foundation, you can move to a real-time and open digital banking environment and compete successfully in the New Payments Ecosystem.

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Erste Bank Hungary Readies for Immediate Payments and Open Banking Era

UP Retail Payments drives its open banking strategy, to meet PSD2 and regional instant payments compliance and support new revenue streams.

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5 Key Strategies

Your Path to the Future

Embrace your technology transformation knowing you can continue business as usual while adding new services at your own pace.

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evolution of payments

API Manager

Connect and protect your existing infrastructure while embracing the opportunities that the open ecosystem offers.

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Speed to market

Achieve Speed to Market

ACI Universal Payments offers Banred the flexibility to rapidly adapt to market changes.

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The Power of UP Framework

The power of the UP Retail Payments solution lies within the UP Framework, built on an open service-oriented architecture to deliver robust payments orchestration enabling:

  • Easy integration with multiple systems for an enterprise view of customers, accounts and transactions
  • Simplified API management of all API connections across all systems
  • Rapid delivery of new payment types including any-to-any payments, mobile banking and payments, etc.
  • Extended support from card to non-card alternative payments
  • Full optimization of regulatory mandates
The Power of UP Framework