- Solutions
- Banking
- Payments hubAccept, transform, and transmit any payment, for any purpose, in any form, from any source in real-time, all in one cloud-native platfor
- AcquiringDigital acceptance, merchant management
- IssuingDigital payments and accounts issuing
- Fraud managementReal-time enterprise fraud management
- ATMsSelf-service, omnichannel digital experience
- High value real-time paymentsMulti-bank, multi-currency processing
- Low value real-time paymentsComplete real-time payments processing
- Digital central infrastructureCutting edge real-time payment infrastructures
- NEW Payment Hubs: Why Banks Must Move Forward With Urgency
- Merchant payments
- ACI Payments Orchestration PlatformEnable customer journeys across commerce channels, accept payments, prevent fraud and optimize your payments journey
- In-storeDynamic, modern in-store payments
- eCommerceOnline and mobile payments
- Alternative payment methodsGive more ways to pay
- Value-added servicesEngagement, optimization and reporting
- Fraud managementEnd-to-end fraud orchestration
- Risk, security, and complianceAchieve and maintain compliance
- NEW Datos names ACI Worldwide best-in-class in payments orchestration
- Industries we serve
- Billing and bill payments
- ACI SpeedpayDrive customer satisfaction with the widest range of bill pay options in the industry.
- Bill payment APIs and SDKsOutsource bill payment processing
- Fraud managementAI-based fraud orchestration technology
- Alternative payment methodsGive more ways to pay
- Loan servicingPreferred loan payment options
- Treasury managementStreamline and integrate your back office
- Automated debt collectionImprove your collections process
- Digital walletsManage digital cards and payments
- PCI compliance and securityAchieve and maintain PCI compliance
- Industries We Serve
- Fraud management and payments intelligence
- Fraud managementFraud solutions to minimize risk and prevent fraud
- Fraud management for bankingEnterprise-wide fraud prevention
- Anti-money launderingStay ahead of money-laundering schemes
- Robotic process automationAutomate payment processing operations
- Fraud management in the cloudProtect your business from the cloud
- Fraud management for merchantsProtect payments from end to end
- ChargebacksPrevent chargebacks before they happen
- SCA complianceAchieve and maintain SCA compliance
- Digital identity solutionsConfirm identities with behavioral analytics
- NEW Scamscope fraud report: APP scam trends from around the globe
CompanyPrime Time for Real-TimeDiscover the Real-Time Landscape in 2024 and Beyond
How are real-time payments redefining the global economy?
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Payments orchestration for business success
The ACI Payments Orchestration Platform can help deliver competitive advantages over payment gateways including payment processing optimization and advanced analytics through a single integration. Manage payments across multiple P2Ps, acquirers and banks across all channels — in-store, online, mobile, recurring and wearables — using a strategic, streamlined approach.
- Increase consumer payment choices using consumer form factors and embedded payments
- Comply with key regulations based on payment method, geography, and type of purchase
- Adjust operating rules by payment method, acceptance device, network, and financial institution
- Fast-track eCommerce checkout experiences with ready plugins and the latest payments types
- Improve user experiences beyond payment gateway limitations with advanced payments orchestration technology
Alternative payment methods are in high demand
Offer new ways to pay in-store and online with new merchant acceptance mechanisms, one-click payments and integrated mobile payment experiences to increase customer satisfaction and lower cart abandonment rates.
Empower your teams with the latest technology
Integrate directly into the entire payments ecosystem and payment-adjacent services without the need for additional coding or adding more layers to your payments strategy.
- Compare KPIs from multiple acquirers by splitting live traffic with A/B testing
- Deliver customer-centric buying experiences and holistic real-time fraud prevention and launch new payments innovation, with the option to white label as needed
- Leverage network tokens to lower costs, increase authorization rates, and optimize transactions
- Design payment journeys that span multiple end-points, including acquirers, APMs, and customer touchpoints
Go beyond payment processing
Effectively track, manage and account for money end-to-end to improve financial accuracy, lower operational costs and increase engagement
Deliver real-time decisioning with fraud orchestration technology
Combat fraud using ACI Fraud Management for Merchants.
A smart, data-driven decisioning engine with guaranteed best-in-class performance metrics.
- Consolidate multiple fraud signals to drive conversions and acceptance rates
- Identify and assess anomalous behavior and unexpected patterns
- Achieve growth and fraud protection with a payments risk optimization team
Reduce operational costs and maintain compliance
Orchestrate your payments setup to improve customer experiences, accelerate conversion uplift and lower your cost of ownership.
Redirect resources to your core business by reducing the number of people dedicated to managing payment processing and regulations
Enhance process efficiency across multiple endpoints with unified settlements and reporting
Develop stronger partnerships, lower vendor management costs, and expand your influence roadmap
Eliminate unnecessary chargebacks using payments optimization specialist support
ACI’s payment service provider ecosystem
Directly connect to hundreds of payment service providers, including global and local acquirers, digital wallets, and alternative payment methods through a single payments layer.
RELATED SOLUTIONS
Create a Framework for Optimization
ACI Worldwide’s payments orchestration platform streamlines connectivity to the payments and fraud ecosystem so you can design seamless payment flows.
Multi-acquiring
Gain greater flexibility and control over your acquiring relationships with ACI’s merchant payment offerings
International payments expansion
Single payments platform for flexibility, resilience and cost control in domestic and cross-border payments processing
Strong customer authentication compliance
Secure electronic payments and reduce your PSD2 compliance burden with ACI Worldwide’s strong customer authentication solutions
ACI PayAfter
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
Digital identity solutions
Real-time fraud prevention technology designed to increase conversion and block savvy fraudsters
Tokenization
Protect your customer data and reduce PCI compliance obligations with single and multiuse tokens
Incremental machine learning
Avoid chargebacks and protect your business’s reputation by leveraging machine learning for fraud detection and prevention
ACI Revenue Optimizer
Enable the convenience of automation and a single consolidated view of your back office and order to cash management
Digital and mobile wallet solution
Adapt to the modern payments landscape with ACI Worldwide’s digital and mobile wallet solutions
ACI Secure eCommerce
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
ACI Omni-Commerce
A secure, scalable, omnichannel payment processing platform with the flexibility to support in-store, online and mobile payments
Related Resources
Resources
Merchants
Can payments orchestration help business sing? Here are 10 questions that merchants must ask themselves
Payments orchestration is the process of working with — or orchestrating — multiple payment providers, acquirers and banks to optimize customer experience and conversion, enhance cost savings, ensure regulatory compliance, improve fraud prevention processes and enable global coverage.
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Decrypting Crypto: Nakamoto’s Bitcoin Vision and What it Means Today for Merchants
The first online cryptocurrency transaction was recorded on May 22, 2010 – 10,000 Bitcoin for two pizzas. Worth $41 dollars at that time, those “coins” are now worth tens of millions of dollars. Since then, cryptocurrencies and digital currencies have come a long way.
Resources
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Learn how the payments gateway drives eCommerce and mobile commerce
Merchant Payment Fundamentals: The Payments Gateway Payments is a complex area for merchants with technology and consumer trends constantly changing. eCommerce and mobile commerce are booming and the lines between physical and digital shopping experiences are increasingly blurred as consumers shop across channels.
