Many new customer segments are seeking alternatives to traditional payment options. They want more choice, less cost, greater transparency and better control over online and in-store purchases. ACI Instant Pay lets your customers experience the ultimate checkout process — instant and secure with no cash or cards required.
Consumers are seeking new ways to pay
Innovative payment alternatives help merchants overcome the challenges of traditional payment methods1
12+ billion
USD in card fraud losses in 2022
30%
of chargebacks are from stolen cards
80%
of card fraud is eCommerce-based
0.6%
of all transactions are chargebacks
A True Omnichannel Payments Solution
ACI Instant Pay lets customers pay merchants straight from their bank accounts in real time. The solution allows merchants to reduce their own costs or pass savings on to their customers through cashback, loyalty points or discounts.
Directly pass value to the consumer with no card fees, delays and no risk of fraud
Decrease transaction fees with instant payment settlement
Eliminate chargebacks by linking directly to consumers’ bank accounts
Achieve higher approval rates with only NSFs, resulting in a decline
Enable and expand checkout experiences across all channels
Increase customer loyalty with incentives like cashback, loyalty points and discounts
Expand globally with transparent, multi-currency transactions
Execute payments in real time, eliminating costly interchange fees
ACI offers extensive global coverage scross the ACI wallets network
Gain complete access to a large and ever-growing suite of digital wallets as part of the core API so you can offer the alternative payments your customers prefer at checkout — eCommerce, mobile apps and in-store.
ACI Worldwide offers a wide variety of industry-leading, award-winning solutions to support digital and mobile wallet transactions
ACI Payments Orchestration Platform
Design payment flows that connect to multiple payment providers and maximize customer conversions using ACI Worldwide’s payments orchestration platform
A true payments orchestration platform with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods
Increase conversions with BNPL: credit acceptance rates of up to 85%, access to larger credit lines and a 0-40% greater spend with BNPL versus credit cards
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