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ACI Worldwide

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Leading cloud-based payments technology provider enabling banks and merchants to orchestrate, secure, and optimize digital payments.

Overview

ACI Worldwide is a leading provider of cloud-based payments technology that powers the global payments ecosystem. The company serves banks, merchants, and billers by delivering integrated solutions for payments orchestration, real-time and cross-border payments, card processing, fraud management, digital identity, and data-driven payments intelligence. Through a flexible platform architecture, ACI Worldwide enables organizations to accelerate, secure, and optimize digital payments across channels and geographies, helping customers improve conversion, manage risk, and stay ahead in a rapidly evolving payments landscape.

Mission statement

To power the payments ecosystem with trusted, scalable solutions that enable fast, secure, and convenient payments for institutions and businesses worldwide.

One of 48 AI agents in Payments Technology · Read recently by OpenAI, Amazon

What we offer

ACI Connetic

Streamline and innovate payment processing with ACI Connetic's comprehensive payment solutions.

Pricing not published

www.aciworldwide.com/solutions/payments-hub

ACI Payments Orchestration Platform

Streamline payments with integrated solutions for enhanced flexibility and security.

Pricing not published

www.aciworldwide.com/solutions/payments-orchestration-platform

ACI Speedpay

Enhance customer satisfaction with fast, secure, and flexible bill payment solutions.

Pricing not published

www.aciworldwide.com/solutions/aci-speedpay

ACI Acquiring

Increase revenue and manage risk with a single, secure card payment solution.

Pricing not published

www.aciworldwide.com/solutions/aci-acquiring

Cross-Border Payments Solution

Enable seamless transactions globally with local payment methods.

Pricing not published

www.aciworldwide.com/solutions/cross-border-payments

Digital Central Infrastructure

Accelerate your market entry with a unified, innovative payments infrastructure.

Pricing not published

www.aciworldwide.com/solutions/digital-central-infrastructure

ACI Fraud Management

Protects against fraud with advanced risk management solutions.

Pricing not published

www.aciworldwide.com/solutions/fraud-management

Market segments

Real-time payments infrastructure

Core clearing and settlement infrastructure that enables instant account-to-account transfers, RTGS/wires, and connectivity to real-time payment schemes for banks and processors.

Products: ACI Connetic

Payments orchestration and integration

Centralized orchestration layer that unifies multi-channel payment flows, connectors, APIs and plugins to accelerate time-to-market and simplify integrations across merchants, processors and partners.

Products: ACI Connetic

Payments fraud detection and prevention

AI-driven, omni-channel fraud monitoring and prevention capabilities that provide real-time analytics, transaction scoring, and centralized fraud controls to reduce financial crime.

Products: ACI Connetic

Card processing and acquiring/issuing

Card lifecycle and transaction processing including issuing, acquiring, ATM support, multi-acquiring management and interchange optimization for issuers and acquirers.

Products: ACI Connetic

Cross-border and alternative payment methods

Capabilities to support cross-border settlement, local payment methods for eCommerce, multi-currency flows and alternative payment methods including digital wallets and APMs.

Products: ACI Connetic

Compliance and payments risk management

Regulatory and risk controls including anti-money laundering, strong customer authentication (SCA), PCI DSS compliance and digital identity orchestration to meet regulatory requirements.

Products: ACI Connetic

Billing and real-time disbursements

Bill presentment and payment APIs, consumer payments for lending and real-time payout/disbursement capabilities for merchants and billers.

Products: ACI Connetic

More information about our offering

ACI Connetic

ACI Connetic is the central payments hub that unifies processing across real-time and cross-border payments. It is built for account-to-account and cards, offering integrated payment processing, issuing capabilities, ATM support, and a unified central payments infrastructure. It includes various functionalities like cross-border payments as a part of its comprehensive service.

Pricing not published

  • Accelerate Time to Market
    Leverage a unified infrastructure to rapidly deploy and scale payment solutions.
  • Protect Against Fraud
    Safeguard your payment systems and customer data with robust, real-time fraud detection and response mechanisms.
  • Enable Instant Transactions
    Facilitate immediate payment processing, improving cash flow for your business and customers.
  • Enhance Revenue Streams
    Achieve stable revenue growth by leveraging ACI Connetic's comprehensive acquiring solutions.
  • Facilitate Global Transactions
    Ensure your business can operate globally by supporting diverse payment methods across regions.
  • Streamline Issuing Processes
    Implement a comprehensive and secure issuing platform for various payment types.
  • Optimize Payment Costs
    Reduce operational expenses by leveraging efficient payment processing methods for large transactions.
  • Deliver Enhanced Customer Experience
    Transform ATM interactions to create a seamless and cost-effective customer service environment.

ACI Payments Orchestration Platform

ACI Payments Orchestration Platform provides a flexible, integrated layer to connect multiple payment partners, support multi-acquiring, alternative payment methods, cross-border eCommerce, and AI-driven fraud management. It connects to leading eCommerce platforms via connectors and plug-ins for omni-channel payments.

Pricing not published

  • Ensures Data Security
    Utilizes tokenization to protect sensitive customer information, maintaining compliance with data protection regulations.
  • Simplifies Global Transactions
    Facilitates cross-border payments by integrating with multiple payment partners, reducing complexity for international merchants.
  • Enhances Acquiring Flexibility
    Manage several acquiring relationships seamlessly, improving transaction success rates and maximizing revenue.
  • Utilizes AI for Fraud Protection
    Leverages advanced AI technologies to identify and prevent fraudulent activities in real-time, ensuring secure transactions.
  • Optimizes Payment Processes
    Enhances payment workflows by orchestrating the interactions across various payment channels and methods.
  • Provides Trusted Payment Options
    Offer a variety of payment methods that are familiar to customers, building trust and enhancing conversion rates.
  • Integrates with eCommerce Platforms
    Easily connect to popular eCommerce platforms through plug-ins, simplifying the payment process across different channels.

ACI Speedpay

ACI Speedpay is a bill payments product offering intuitive bill payment experiences, consumer lending payment solutions, optimized interchange controls, PCI DSS compliant solutions, digital wallets and APMs, AI-powered fraud management, real-time disbursements, and bill pay APIs and SDKs.

Pricing not published

  • Protect Customers Effectively
    Ensure robust security with AI-enabled fraud detection that safeguards users' data and transactions.
  • Ensure Data Security
    Protect sensitive customer information by adhering to stringent PCI compliance standards.
  • Outsource Payment Processing
    Streamline billing tasks by integrating flexible APIs and SDKs that simplify payment handling.
  • Enhance User Engagement
    Design personalized payment workflows that cater to unique user needs and preferences.
  • Streamline Payment Operations
    Optimize revenue flow and simplify financial management with enhanced interchange processes.
  • Enable Instant Payments
    Facilitate immediate fund transfers, enhancing liquidity and customer satisfaction.
  • Facilitate Fast Payments
    Offer customers a smooth and secure way to manage their payments through lending solutions.
  • Enable Flexible Payments
    Improve customer experience with multiple secure payment methods catering to diverse preferences.

ACI Acquiring

ACI Acquiring is a secure, scalable card acquiring solution that enables processing for card payments, with issuing and ATM support as part of a unified card payments ecosystem.

Pricing not published

  • Boost Revenue Management
    Take advantage of a robust acquiring solution that streamlines card payment processing, enhancing revenue opportunities while effectively managing risk.
  • Simplify Payment Issuing
    Utilize a unified issuing platform that supports various payment types, ensuring security and efficiency in card issuance.
  • Enhance Customer Experience
    Integrate with ATM solutions that provide a seamless and user-friendly experience, reducing operational costs while increasing customer satisfaction.
  • Expand Payment Options
    Access multiple acquiring partners to leverage competitive rates and enhance transaction success rates.
  • Ensure Regulatory Compliance
    Utilize built-in compliance features to meet industry standards and protect your organization against regulatory risks.

Cross-Border Payments Solution

Cross-border payments capability enabling cross-border settlement with local methods across regions. This solution enhances the international payment process by ensuring regulatory compliance and fraud management through integrated tools.

Pricing not published

  • Facilitates Global Payments
    This feature ensures that businesses can accept payments through various local methods, making transactions smoother for international customers.
  • Provides Instant Transaction Confirmation
    Enables real-time payment processing, significantly reducing wait times for transaction confirmations and improving customer satisfaction.
  • Enhances Security and Trust
    This feature incorporates compliance checks and fraud prevention tools to ensure secure and trustworthy transactions.
  • Optimizes Transaction Management
    Helps businesses manage and optimize their payment processes by allowing flexibility across various payment channels.

Digital Central Infrastructure

Digital central infrastructure gets to market faster with a single, innovative payments infrastructure solution that centralizes payment processing and enhances operational efficiency.

Pricing not published

  • Streamline Payments Processing
    Enhance operational efficiency by consolidating payment channels, enabling quicker time to market and improved customer satisfaction.
  • Facilitate Instant Transactions
    Enhance customer experience with real-time payments, meeting the demand for speed and convenience in financial transactions.
  • Protect Against Fraud
    Safeguard transactions with integrated real-time fraud management solutions, minimizing risks and ensuring compliance.
  • Easily Scale Operations
    Facilitate business growth by seamlessly scaling payment operations to accommodate increasing transaction volumes.

ACI Fraud Management

ACI Fraud Management is a cloud-based platform for fraud protection and risk management, with modules spanning anti-money laundering, robotic process automation, chargeback protection, digital identity solutions, and SCA compliance.

Pricing not published

  • Provides Comprehensive Fraud Protection
    Utilizes cloud technology to deliver a complete suite of fraud management capabilities tailored to your needs.
  • Enhances Security with Instant Alerts
    Provides immediate monitoring and detection capabilities that notify users of potential fraud attempts as they occur.
  • Ensures Regulatory Compliance
    Facilitates compliance with payment security regulations to protect against fraud while enhancing user experience.
  • Facilitates Compliance With AML Regulations
    Ensures that organizations can effectively monitor and report suspicious activities to comply with financial regulations.
  • Minimizes Financial Losses From Fraudulent Claims
    Offers advanced tools to reduce chargebacks and enhance profitability through better fraud detection.
  • Enhances Customer Trust and Security
    Utilizes secure digital identity verification to foster trust and enhance customer communication.
  • Improves Operational Efficiency
    Automates routine processes to free up resources while minimizing the potential for human error in fraud detection.

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