# ACI Worldwide
*Also known as ACI*

- Website: https://www.aciworldwide.com
- Agent profile: https://directory.haycion.ai/agents/aciworldwide-com

> Leading cloud-based payments technology provider enabling banks and merchants to orchestrate, secure, and optimize digital payments.

ACI Worldwide is a leading provider of cloud-based payments technology that powers the global payments ecosystem. The company serves banks, merchants, and billers by delivering integrated solutions for payments orchestration, real-time and cross-border payments, card processing, fraud management, digital identity, and data-driven payments intelligence. Through a flexible platform architecture, ACI Worldwide enables organizations to accelerate, secure, and optimize digital payments across channels and geographies, helping customers improve conversion, manage risk, and stay ahead in a rapidly evolving payments landscape.

**Mission:** To power the payments ecosystem with trusted, scalable solutions that enable fast, secure, and convenient payments for institutions and businesses worldwide.

## Products & Services

### [ACI Connetic](https://www.aciworldwide.com/solutions/payments-hub)
*Platform*
Streamline and innovate payment processing with ACI Connetic's comprehensive payment solutions.

- **Digital Central Infrastructure** — Accelerate Time to Market
- **Fraud Management for Banking** — Protect Against Fraud
- **Real-time Payments** — Enable Instant Transactions
- **Acquiring** — Enhance Revenue Streams
- **Cross-border Payments** — Facilitate Global Transactions
- **Issuing** — Streamline Issuing Processes
- **RTGS / Wires** — Optimize Payment Costs
- **ATMs** — Deliver Enhanced Customer Experience

### [ACI Payments Orchestration Platform](https://www.aciworldwide.com/solutions/payments-orchestration-platform)
*Platform*
Streamline payments with integrated solutions for enhanced flexibility and security.

- **Omni-Tokens** — Ensures Data Security
- **Cross-border eCommerce** — Simplifies Global Transactions
- **Multi-acquiring** — Enhances Acquiring Flexibility
- **Payments Intelligence** — Utilizes AI for Fraud Protection
- **Smart Payment Orchestration** — Optimizes Payment Processes
- **Alternative Payment Methods** — Provides Trusted Payment Options
- **Connectors and Plug-ins** — Integrates with eCommerce Platforms

### [ACI Speedpay](https://www.aciworldwide.com/solutions/aci-speedpay)
*Product*
Enhance customer satisfaction with fast, secure, and flexible bill payment solutions.

- **AI-Powered Fraud Management** — Protect Customers Effectively
- **PCI DSS Compliant Solutions** — Ensure Data Security
- **Bill Pay APIs & SDKs** — Outsource Payment Processing
- **Intuitive Bill Payment Experience** — Enhance User Engagement
- **Optimized Interchange Controls** — Streamline Payment Operations
- **Real-Time Disbursements** — Enable Instant Payments
- **Consumer Lending Payment Solutions** — Facilitate Fast Payments
- **Digital Wallets & APMs** — Enable Flexible Payments

### [ACI Acquiring](https://www.aciworldwide.com/solutions/aci-acquiring)
*Product*
Increase revenue and manage risk with a single, secure card payment solution.

- **Acquiring** — Boost Revenue Management
- **Issuing** — Simplify Payment Issuing
- **ATMs** — Enhance Customer Experience
- **Multi-Acquiring** — Expand Payment Options
- **Compliance Solutions** — Ensure Regulatory Compliance

### [Cross-Border Payments Solution](https://www.aciworldwide.com/solutions/cross-border-payments)
*Solution*
Enable seamless transactions globally with local payment methods.

- **Global Payment Method Integration** — Facilitates Global Payments
- **Real-Time Payment Capabilities** — Provides Instant Transaction Confirmation
- **Compliance and Fraud Prevention** — Enhances Security and Trust
- **Payment Orchestration** — Optimizes Transaction Management

### [Digital Central Infrastructure](https://www.aciworldwide.com/solutions/digital-central-infrastructure)
*Platform*
Accelerate your market entry with a unified, innovative payments infrastructure.

- **Innovative Payments Infrastructure** — Streamline Payments Processing
- **Real-Time Payment Capability** — Facilitate Instant Transactions
- **Fraud Management Integration** — Protect Against Fraud
- **Scalability** — Easily Scale Operations

### [ACI Fraud Management](https://www.aciworldwide.com/solutions/fraud-management)
*Platform*
Protects against fraud with advanced risk management solutions.

- **Full-Service Fraud Management** — Provides Comprehensive Fraud Protection
- **Real-Time Fraud Monitoring** — Enhances Security with Instant Alerts
- **SCA Compliance** — Ensures Regulatory Compliance
- **Anti-Money Laundering** — Facilitates Compliance With AML Regulations
- **Chargeback Protection** — Minimizes Financial Losses From Fraudulent Claims
- **Digital Identity Solutions** — Enhances Customer Trust and Security
- **Robotic Process Automation** — Improves Operational Efficiency

## Market Segments

- **Real-time payments infrastructure**: Core clearing and settlement infrastructure that enables instant account-to-account transfers, RTGS/wires, and connectivity to real-time payment schemes for banks and processors.
- **Payments orchestration and integration**: Centralized orchestration layer that unifies multi-channel payment flows, connectors, APIs and plugins to accelerate time-to-market and simplify integrations across merchants, processors and partners.
- **Payments fraud detection and prevention**: AI-driven, omni-channel fraud monitoring and prevention capabilities that provide real-time analytics, transaction scoring, and centralized fraud controls to reduce financial crime.
- **Card processing and acquiring/issuing**: Card lifecycle and transaction processing including issuing, acquiring, ATM support, multi-acquiring management and interchange optimization for issuers and acquirers.
- **Cross-border and alternative payment methods**: Capabilities to support cross-border settlement, local payment methods for eCommerce, multi-currency flows and alternative payment methods including digital wallets and APMs.
- **Compliance and payments risk management**: Regulatory and risk controls including anti-money laundering, strong customer authentication (SCA), PCI DSS compliance and digital identity orchestration to meet regulatory requirements.
- **Billing and real-time disbursements**: Bill presentment and payment APIs, consumer payments for lending and real-time payout/disbursement capabilities for merchants and billers.