ACI Worldwide: The Leader In Real-Time Payments

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Solutions Banking ACI Connetic Merchant payments ACI Payments Orchestration Platform Bill payments ACI Speedpay Fraud management Payments intelligence By industry Show all industries ACI Connetic Built to help you stay ahead, today and tomorrow

Built for account-to-account

• RTGS / Wires Integrate multiple payment processing capabilities at the lowest cost
• Real-time, instant payments Let banks and processors connect to all real-time global schemes
• Cross-border payments Use local payment methods, anywhere in the world

Built for cards

• Acquiring Increase revenue and manage risk with a single, secure solution
• Issuing Get a single, secure, cloud-ready issuing solution for all payment types
• ATMs Give customers a welcoming experience and reduce your costs

Built for central infrastructure

• Digital central infrastructure Get to market faster with a single, innovative payments infrastructure solution

Built for fraud

• Fraud management for banking Integrated real-time fraud management

Take charge now: Discover transformative strategies driving payment innovation worldwide. Learn More ACI Payments Orchestration Platform Built to be your competitive advantage

• Multi-acquiringGet more flexibility and control over acquiring
• Alternative payment methodsGive customers the payment options they trust
• Cross-border eCommerceGet all the payment partners you need in a single integration

• Payments intelligenceStay ahead of financial crime and fraud with AI
• Omni-tokensKeep customer data safe across all channels and stay compliant
• Connectors and plug-insConnect to leading eCommerce software platforms, AI-powered fraud capabilities, and more

• Built for omni-commerce
• Built for eCommerce
• Built for in-store
• Built for PSPs
• Built for developers

Orchestrate smarter payments: Streamline complexity and drive performance with a flexible approach to orchestration. Learn More ACI Speedpay Give your customers what they want with one platform

• Intuitive user experienceCreate custom user experiences with powerful bill payment capabilities
• Consumer lending payment solutionsLet customers pay their bills quickly and securely
• Optimized interchange controlsGet paid faster and simplify reconciliation with a single solution

• PCI DSS compliant solutionsKeep data safe and stay ahead of compliance requirements
• Digital wallets & APMsProvide fast, easy, secure, and cost-effective digital payment options
• AI-powered fraud managementProtect your customers across all channels with a single API powered by AI

• Real-time disbursementsUse the latest payment options to send money in real time
• Bill pay APIs & SDKsEasily outsource billing and payment processing

Stay ahead of the bill pay curve: Uncover key trends and consumer insights shaping smarter billing strategies. Learn More Payments Intelligence Built to outpace, outsmart, and outperform fraud

• Anti-money launderingManage risk and remain compliant
• Robotic process automationAutomate repetitive tasks and reduce fraud losses
• Chargeback protection and managementImprove profitability with advanced chargeback protection

• Digital identity solutionsOrchestrate consumer data to establish trust
• ACI Fraud ManagementGet full-service fraud management in the cloud
• SCA complianceGet strong customer authentication (SCA) compliance

• Built for banking
• Built for merchant payments
• Built for billing and bill payments

Combat scams with smarter insights: Explore global trends and strategies to strengthen trust and fraud defenses. Learn More Industries Solutions that scale for every industry

• Accounts receivable management
• Airlines
• Auto finance
• Central infrastructure
• Financial institutions
• Fueling and convenience

• Gaming and digital entertainment
• Government
• Grocery
• Healthcare payers
• Higher education
• Mortgage servicers

• Payment service providers
• Property and casualty insurance
• Restaurants
• Retailer
• Telecommunications
• Travel and transportation

Company

About

• About ACI
• Careers
• Corporate sustainability

Resources

• Blog
• Events
• Knowledge hub
• Inside real-time
• Industry guide
• Industry associations
• Newsroom

Payment gateways vs. payments orchestration: what’s the difference, and why it matters Learn More Navigating the future of payments: tackling fraud, risk, and compliance Learn More

Customers

Partnership

Investors

Search Log In Contact Sales Menu Authoring the next chapter of intelligent payments orchestration

Transformative payments software that empowers you with the flexibility, intelligence, and scalability to deliver a seamless experience.

Consumer transactions processed annually:

777,521,989,072

Estimated transactions based on ACI internal data

• Banking
• Merchant Payments
• Billing and Bill Payments
• Fraud Management

Banking

Stay ahead, today and tomorrow, with ACI Connetic

ACI Connetic

Innovate while you operate with a unified, future-proof, cloud-first platform for all payment types, plus fraud protection.

Explore ACI Connetic

• Account-to-Account
• Card
• Payments Intelligence

Merchant Payments

Get a competitive advantage with a single platform that streamlines complexity

ACI Payments Orchestration Platform

Optimize and grow your business with everything you need in one place, on our cloud-native merchant payments platform.

Explore ACI Payments Orchestration Platform

• Omni-Commerce
• eCommerce
• In-Store

Billing and bill payments

Never miss a payment

ACI Speedpay

Make bill pay fast, easy, and secure for you and your customers with one resilient, modern platform.

Explore ACI Speedpay

• Auto Finance
• Utility
• Insurance
• Telecommunications
• Digital Entertainment
• Mortgage Servicers
• Financial Institutions

Fraud management

Outpace, outsmart, and outperform fraud

Precisely predict and prevent fraud with AI-powered journeys built on one of the largest intelligence networks.

Explore Payments Intelligence

• Banking
• Merchant Payments
• Bill Payments

Find solutions that scale for every industry

The world’s most impressive companies have one thing in common—they all rely on ACI to power their payments.

• Fueling and convenience

  Go the extra mile for your customers.

  

• Auto finance

  Collect more for less.

  

• Healthcare payers

  Keep members happy with easier ways to bill and pay.

  

• Grocery

  Meet shopper expectations in-store and online.

  

• Accounts receivable management

  Drive collections and improve engagement.

  

• Government

  Simplify and modernize citizens’ payments.

  

• Retailer

  Provide the payment options your customers want.

  

80,000

merchants use ACI’s solutions to grow their businesses

View All Industries

Trusted by clients in 94 countries… and counting

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Built to lead for speed to scale for security for you

• We’ve been redefining the payments landscape for 50 years, staying ahead of payment trends and bringing visionary leadership to payments orchestration, so you can excel in the market.

• Our cutting-edge, cloud-based technology makes it easier for you to keep up with the accelerating rate of payments modernization by onboarding new solutions faster and accelerating speed to market.

• Our software solutions handle billions of transactions that move trillions of dollars every day—with rock-solid reliability so you can sleep at night.

• Our AI-powered payments intelligence and data security solutions serve peace of mind to thousands of banks, intermediaries, and merchants and deliver compliance and security you can count on.

• Our flexible, compliant solutions support the new payment experiences that fuel your growth and drive innovation, today and tomorrow.

See intelligent payments orchestration in action

Here are some real-life stories from the world’s best banks, merchants, and others who power their payments with ACI.

• 

  How KTC leveraged AI for precise fraud management

  Cash-out scam initial detection rate increase from 33% to

  50%

• 

  Moneris reduces operating costs and improves service

  Average loss per merchant incident file has gone down by

  25%

• 

  Aegean airlines flies ahead of online fraud

  Proven fraud defense, stopping threats with

  97% accuracy

• 

  Oklahoma Wesleyan University transforms its payments experience

  ACI Speedpay fully deployed in

  60 days

• 

  Mango increases acceptance, reduces risk and expands eCommerce reach

  ACI fraud management solution boosted acceptance rates to

  97%

• 

  Octane drives seamless, self-service mobile wallet experiences

  Increase in NPS score

  83%

Powering the world’s payments ecosystem

ACI is working towards a world where everyone can access and exchange money quickly, easily, and securely.

• 777.5B

  estimated annual consumer transactions

• 25

  billion cloud transactions processed annually

Learn More About ACI

• CNBC World’s Top Fintech Companies: 2025

  Recognized as a World’s Top Fintech Company –Payments

• Datos Insights Report 2025

  Leading Provider of Fraud Orchestration Solutions – ACI Payments Intelligence Framework

• Global Financial Tech Innovation Awards 2025

  The Asian Banker Best Corporate Banking and Payment Technology Initiative in Asia Pacific – ACI Enterprise Payments Platform

• Datos Insights Report 2024

  Best in class in Payments Orchestration – ACI Payments Orchestration Platform

Let’s get to work

Contact Us

• Banking
• Merchant Payments
• Billing and Bill Payments
• Fraud Management

Learn more about payments—browse ACI’s library for tips, trends, and insights from the experts

View All

• 

  Whitepaper

  Redefining the payments hub

• 

  Trends

  Datos Report: Banks must centralize payments and move forward with urgency

• 

  ACI Blog

  How Click to Pay turns seamless payments into a competitive advantage

• 

  ACI Blog

  Payment gateways vs. payments orchestration: what’s the difference, and why it matters

• 

  ACI Blog

  Navigating the future of payments: Tackling fraud, risk, and compliance

• 

  Trends

  2025 ACI Speedpay Pulse Report: The need for speed is accelerating

• 

  ACI Blog

  AI and the next frontier in account takeover (ATO) detection

• 

  ACI Blog

  The digital wallet wave: Why lenders can’t afford to miss it

Search Clear Home

• Home
• Solutions
  • Banking
  • Merchant payments
  • Bill payments
  • Fraud management
  • By industry
• Company

  About

  • About ACI
  • Careers
  • Corporate sustainability

  Resources

  • Blog
  • Events
  • Knowledge hub
  • Inside real-time
  • Industry guide
  • Industry associations
  • Newsroom
  • Payment gateways vs. payments orchestration: what’s the difference, and why it matters Learn More
  • Navigating the future of payments: tackling fraud, risk, and compliance Learn More
• Customers
• Partnership
• Investors

Contact Sales Log In Close Dialog Banking ACI Connetic ACI Connetic Built to help you stay ahead, today and tomorrow

Built for account-to-account

• RTGS / Wires Integrate multiple payment processing capabilities at the lowest cost
• Real-time, instant payments Let banks and processors connect to all real-time global schemes
• Cross-border payments Use local payment methods, anywhere in the world

Built for cards

• Acquiring Increase revenue and manage risk with a single, secure solution
• Issuing Get a single, secure, cloud-ready issuing solution for all payment types
• ATMs Give customers a welcoming experience and reduce your costs

Built for central infrastructure

• Digital central infrastructure Get to market faster with a single, innovative payments infrastructure solution

Built for fraud

• Fraud management for banking Integrated real-time fraud management

Take charge now: Discover transformative strategies driving payment innovation worldwide. Learn More Close Dialog Merchant payments ACI Payments Orchestration Platform ACI Payments Orchestration Platform Built to be your competitive advantage

• Multi-acquiring Get more flexibility and control over acquiring
• Alternative payment methods Give customers the payment options they trust
• Cross-border eCommerce Get all the payment partners you need in a single integration
• Payments intelligence Stay ahead of financial crime and fraud with AI
• Omni-tokens Keep customer data safe across all channels and stay compliant
• Connectors and plug-ins Connect to leading eCommerce software platforms, AI-powered fraud capabilities, and more

• Built for omni-commerce
• Built for eCommerce
• Built for in-store
• Built for PSPs
• Built for developers

Orchestrate smarter payments: Streamline complexity and drive performance with a flexible approach to orchestration. Learn More Close Dialog Bill payments ACI Speedpay ACI Speedpay Give your customers what they want with one platform

• Intuitive user experience Create custom user experiences with powerful bill payment capabilities
• Consumer lending payment solutions Let customers pay their bills quickly and securely
• Optimized interchange controls Get paid faster and simplify reconciliation with a single solution
• PCI DSS compliant solutions Keep data safe and stay ahead of compliance requirements
• Digital wallets & APMs Provide fast, easy, secure, and cost-effective digital payment options
• AI-powered fraud management Protect your customers across all channels with a single API powered by AI
• Real-time disbursements Use the latest payment options to send money in real time
• Bill pay APIs & SDKs Easily outsource billing and payment processing

Stay ahead of the bill pay curve: Uncover key trends and consumer insights shaping smarter billing strategies. Learn More Close Dialog Fraud management Payments intelligence Payments Intelligence Built to outpace, outsmart, and outperform fraud

• Anti-money laundering Manage risk and remain compliant
• Robotic process automation Automate repetitive tasks and reduce fraud losses
• Chargeback protection and management Improve profitability with advanced chargeback protection
• Digital identity solutions Orchestrate consumer data to establish trust
• ACI Fraud Management Get full-service fraud management in the cloud
• SCA compliance Get strong customer authentication (SCA) compliance

• Built for banking
• Built for merchant payments
• Built for billing and bill payments

Combat scams with smarter insights: Explore global trends and strategies to strengthen trust and fraud defenses. Learn More Close Dialog By industry Show all industries Industries Solutions that scale for every industry

• Accounts receivable management
• Airlines
• Auto finance
• Central infrastructure
• Financial institutions
• Fueling and convenience
• Gaming and digital entertainment
• Government
• Grocery
• Healthcare payers
• Higher education
• Mortgage servicers
• Payment service providers
• Property and casualty insurance
• Restaurants
• Retailer
• Telecommunications
• Travel and transportation

Close Dialog