In-Store Merchant Payments

Freedom to choose

Connect to a large and growing global network of acquirers to reduce transaction fees

Security and resilience

Protect and remove cardholder data from payment systems for the highest levels of fraud prevention

Maximize margins

Orchestrate payment setup to reduce costs and improve customer experiences

Modernize your in-store checkout experience

Keep up with changing consumer demands for faster, secure checkout experiences by updating legacy point-of-sale (POS) and portable electronic device (PED) systems

Leverage existing hardware without purchasing new devices
Software support across PAX, Android, Apple and other leading payment terminal providers
Offer popular alternative and emerging payment methods, including digital wallets, Venmo, Apple Pay, Alipay, WeChat Pay, Buy Now Pay Later and QR code payments
Accept gift cards, private label or loyalty cards with PEDs
Enable omnichannel interactions that begin online and are completed in-store

Gain a business advantage using multi-acquiring

Build an ideal network with the ability to freely move between acquirers to control operational costs, improve conversion rates, and enhance customer experiences

Eliminate vendor lock-in and service disruptions
Optimize rates and fees by combining local and global acquirers
Avoid transaction dropoffs and costly price changes
Achieve higher conversions using smart transaction routing

Protecting payments and merchant reputations

ACI provides P2PE and PCI-certified validated point-to-point encryption (V2PE) capabilities that prevent payment data from being exposed, even when the data is intercepted or your system has been compromised