# ACI Worldwide: Powering the world’s payments ecosystem

> An original innovator in global payments technology, ACI delivers transformative software solutions that power intelligent payments orchestration in real time\.

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## Pages
- [ACI Worldwide named in the 2026 Datos Insights Fintech 50](https://www.aciworldwide.com/datos-fintech-50): ACI Worldwide is named in the 2026 Datos Insights Fintech 50 for three solutions—more than any other vendor\. View the full report from Datos Insights\.  
- [The new rules of fashion and sportswear payments](https://www.aciworldwide.com/fashion-and-sportswear-shopping-trends): Download ACI Worldwide's Fashion Consumer Trends Report to see how payments, apps, AI, and returns shape conversion and loyalty for fashion retailers\.
- [ACI Speedpay Pulse Utilities Report](https://www.aciworldwide.com/aci-speedpay-utility-payments-report): Our latest utility payments trend report reveals customers' strong and accelerating swing to mobile payment preferences and opportunities for providers to lower costs and improve customer experience\.
- [Newsroom](https://www.aciworldwide.com/newsroom)
- [Our Customers](https://www.aciworldwide.com/our-customers)

## Posts
- [9 key insights from 3,000 fashion shoppers on payments, channel blending, and AI](https://www.aciworldwide.com/blog/fashion-shopper-payments-insights): See what 3,000 fashion and sportswear shoppers reveal about payments, checkout friction, and AI, and what it means for retailer conversion and loyalty\.
- [The modern debit card: The engine behind seamless payments](https://www.aciworldwide.com/blog/the-modern-debit-card-the-engine-behind-seamless-payments): Learn why billers rely on debit cards to reduce costs and false declines while enabling mobile‑first, tokenized payments that deliver seamless customer experiences\.
- [Why lenders should treat debit as a strategic payments rail](https://www.aciworldwide.com/blog/why-lenders-should-treat-debit-as-a-strategic-payments-rail): Discover why lenders are prioritizing debit to reduce payment friction, improve delinquency outcomes, and create better borrower experiences\.
- [Half your customers are stressed about paying you\. Now what?](https://www.aciworldwide.com/blog/financial-stress-and-the-future-of-bill-pay): Two\-thirds of Americans live paycheck to paycheck\. Learn how billers can reduce payment friction, improve trust, and support stressed customers\.
- [When seconds cost millions: Building true payments resilience for enterprise merchants](https://www.aciworldwide.com/blog/payment-resilience-enterprise-merchants): Learn how multi\-acquiring, contactless stand\-in, and fallback payment strategies help merchants reduce downtime and protect revenue\.

## Solutions
- [International payments expansion](https://www.aciworldwide.com/solutions/international-payments-expansion): Single payments platform for flexibility, resilience and cost control in domestic and cross\-border payments processing
- [ACI mobile commerce SDK](https://www.aciworldwide.com/solutions/mobile-commerce-sdk): Deliver seamless in\-app payments with native SDKs, built\-in orchestration, tokenization, fraud protection, and global payment coverage\.
- [Get flexible bill payment experiences with ACI Speedpay](https://www.aciworldwide.com/solutions/intuitive-bill-payment-experience)
- [Digital central infrastructure](https://www.aciworldwide.com/solutions/digital-central-infrastructure): Deploy secure real\-time payment rails, launch new payment methods and schemes with back\-office management using a single, innovative infrastructure solution
- [ACI Acquiring](https://www.aciworldwide.com/solutions/aci-acquiring): Enhance your acquiring business with a highly customizable solution that will transform your merchant experience

## Industries
- [Higher Education](https://www.aciworldwide.com/industries/higher-education)
- [Payment Service Providers](https://www.aciworldwide.com/industries/payment-service-providers): Enable merchant growth and a seamless omni\-channel consumer experience, while mitigating risk and reducing the burden of compliance
- [Accounts Receivable Management](https://www.aciworldwide.com/industries/accounts-receivable-management): Take advantage of the full collections lifecycle with ACI Speedpay's accounts receivable management capabilities, a full suite of products for end\-to\-end communications, presentment, payments, settlement and more
- [Government](https://www.aciworldwide.com/industries/government)
- [Mortgage Servicers](https://www.aciworldwide.com/industries/mortgage-servicers)

## Training
- [Application Processing and Configuration Training](https://www.aciworldwide.com/training/application-processing-and-configuration-training): Receive a detailed overview of the concepts, features and functionality of the BASE24\-eps payments engine and practical hands\-on lab exercises around deployment, implementation and configuration\.
- [Postilion Realtime](https://www.aciworldwide.com/training/postilion-realtime-specialist): This course facilitates an understanding of the architecture and functionality of Postilion Realtime and enables attendees to configure and operate the Realtime component of an ACI payment system\.
- [UP Framework Troubleshooting with Tracing](https://www.aciworldwide.com/training/up-framework-troubleshooting-with-tracing): This instructor\-led course teaches UP Framework technicians essential troubleshooting skills using tracing in UP Framework
- [UP Framework Troubleshooting with Logs](https://www.aciworldwide.com/training/up-framework-troubleshooting-with-logs): This instructor\-led course teaches UP Framework technicians essential troubleshooting skills using logs in UP Framework
- [UP Framework Configuring XML Endpoints](https://www.aciworldwide.com/training/up-framework-configuring-xml-endpoints): This course focuses on the skills needed to create XML endpoints in UP Framework\.

## Case Studies
- [Rising above high\-profile ticketing challenges with ACI](https://www.aciworldwide.com/insights/case-studies/global-ticketing-provider-payment-optimization-case-study): 
See how a global ticketing provider reduced chargebacks by 70%, improved approvals, and expanded internationally using ACI solutions\.
- [Tier 1 Dutch bank modernizes payments with ACI and IBM](https://www.aciworldwide.com/insights/case-studies/anonymous-dutch-bank-modernizes-payments): A leading Dutch bank upgraded legacy systems to ACI BASE24‑eps on IBM Z, enabling secure, reliable, future‑ready payments\.
- [Modernizing payments for a global fuel retailer](https://www.aciworldwide.com/insights/case-studies/modernizing-payments-for-a-global-fuel-retailer): 
A global fuel brand modernized its payments infrastructure with ACI, enabling scalable orchestration, multi‑endpoint routing, and future‑ready capabilities\.
- [Planet Payment offers additional services and wins over new customers](https://www.aciworldwide.com/insights/case-studies/planet-payment): Planet Payment Case Study: Open Technology at the Core of Global Payments
- [Large California community college achieves Nacha and PCI compliance](https://www.aciworldwide.com/insights/case-studies/large-california-community-college): ACI Speedpay met a large California community college's immediate compliance needs, and is pre\-integrated with Anthology, Ellucian and Oracle Systems to enable a wide variety of additional digital payments and effective back\-office funding and settlement options\.

## Partners
- [RS2](https://www.aciworldwide.com/about-aci/partners/rs2): ACI and RS2 have joined forces to offer a comprehensive payment platform solution for acquirers and issuers in the Brazilian market\. The integrated solutions empower rapid deployment of new business opportunities, leveraging cloud infrastructure and streamlined API\-driven connections\.
- [Mastercard](https://www.aciworldwide.com/about-aci/partners/mastercard): Mastercard’s Identity Solutions enable a simple and secure global digital economy no matter how or where people transact\. ACI’s identity verification solutions are powered by Mastercard data and insights, helping businesses reduce fraud, improve customer experiences, and build trust\.
- [TruRating](https://www.aciworldwide.com/about-aci/partners/trurating): Turn every transaction into valuable customer insight with ACI and TruRating\. Capture real\-time feedback, improve experiences, and drive business growth\.
- [BioCatch](https://www.aciworldwide.com/about-aci/partners/biocatch): BioCatch partners with ACI to enable secure and seamless online experiences, providing AI\-driven behavioral biometrics across the digital lifecycle\.
- [comforte](https://www.aciworldwide.com/about-aci/partners/comforte): ACI Worldwide and comforte have partnered to enhance payments security by integrating data\-centric protection into ACI’s Retail Payments Solution without disrupting existing systems\. Their combined use of vaultless tokenization and encryption enables organizations to meet compliance requirements while keeping sensitive data usable for analytics, fraud detection, and AI\.

## Guides
- [Network Tokenization: The Complete Guide for Merchants](https://www.aciworldwide.com/network-tokens): Discover how network tokenization can help you strike the perfect balance between robust security and a frictionless checkout experience
- [Authorized Push Payment \(APP\) Scam](https://www.aciworldwide.com/app-fraud): ACI Fraud Management for Banking turns bank fraud detection and prevention into a competitive differentiator with a seamless fraud analytics solution
- [What are agentic payments? \[The enterprise guide to AI\-driven payment infrastructure\]](https://www.aciworldwide.com/agentic-payments): Digital transformation in banking continues to be a vital initiative\. Discover the obstacles to digital transformation and how banks can overcome them\.
- [Agentic commerce: What it is, how it works \& what it demands from your payments infrastructure](https://www.aciworldwide.com/cross-border-payment-processing): Digital transformation in banking continues to be a vital initiative\. Discover the obstacles to digital transformation and how banks can overcome them\.
- [B2B Payments](https://www.aciworldwide.com/b2b-payments): Fast, seamless B2B payments processing is vital to the success of any business\. Learn more about B2B payments processing, platforms and the future of B2B payments

## Real\-Time
- [The Path to Profit](https://www.aciworldwide.com/real-time/the-path-to-profit): Uncover how banks can counteract the threat of shrinking margins, drive operational efficiencies, and smooth sail into modernization — placing them firmly on the path to profit\.
- [The Netherlands](https://www.aciworldwide.com/real-time/the-netherlands): The Netherlands was an early pioneer in instant payments and is on track to become a European real\-time leader in the coming years\.
- [Malaysia](https://www.aciworldwide.com/real-time/malaysia): As it continues to consolidate and unify services, Malaysia is leading the way as a regional hub for real\-time expansion and inclusion\.
- [Indonesia](https://www.aciworldwide.com/real-time/indonesia): Just two years into its real\-time journey, Indonesia now ranks \#8 in the world's top 10 fastest\-growing real\-time payment markets\.
- [Brazil](https://www.aciworldwide.com/real-time/brazil): In three years, Brazil's real\-time payments have grown to the world’s second largest market in real\-time transactions, after India\.

## History
- [The Beginning](https://www.aciworldwide.com/blog/history/the-beginning)
- [First ATM Project](https://www.aciworldwide.com/blog/history/first-atm-project)
- [ATM Transactions for Banking Launched](https://www.aciworldwide.com/blog/history/atm-transactions-for-banking-launched)
- [Nasdaq Debut](https://www.aciworldwide.com/blog/history/nasdaq-debut)
- [First for EFT Software](https://www.aciworldwide.com/blog/history/first-for-eft-software)

## Training Topics
- [High\-Value Real\-Time Payments](https://www.aciworldwide.com/training-topic/high-value-real-time-payments)
- [UP Framework](https://www.aciworldwide.com/training-topic/up-framework)
- [BASE24\-eps](https://www.aciworldwide.com/training-topic/base24-eps)
- [Postilion Specialized Training \(PST\)](https://www.aciworldwide.com/training-topic/postilion-specialized-training-pst)
- [Payment Testing \(ASSET\)](https://www.aciworldwide.com/training-topic/payment-testing-asset)

## Optional
- [Sitemap index](https://www.aciworldwide.com/sitemap_index.xml)