ACI Enterprise Payments Platform from ACI Worldwide

A comprehensive payments platform handling all payment types across channels. Features include real-time processing, ISO 20022 compliance, AI-powered fraud prevention, payment hub capabilities, and open API architecture.

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Product analysis by function

Payment Processing Systems for Retail Banking

Solutions that facilitate various payment methods including credit/debit cards, ACH transfers, wire transfers, and real-time payments.
More Payment Processing Systems More Retail Banking ...

Security & Compliance
(9 Yes /9 Known /12 Possible features)

Processing Capabilities
(6 Yes /6 Known /12 Possible features)

Integration Capabilities
(10 Yes /10 Known /12 Possible features)

Customer Experience
(8 Yes /8 Known /12 Possible features)

Reporting & Analytics
(9 Yes /9 Known /12 Possible features)

Cost Structure
(4 Yes /4 Known /12 Possible features)

Reliability & Performance
(4 Yes /4 Known /12 Possible features)

Innovative Payment Technologies
(7 Yes /7 Known /12 Possible features)

Vendor Support & Service
(8 Yes /8 Known /12 Possible features)

Scalability & Growth
(9 Yes /9 Known /12 Possible features)

Payment Operations Systems for Operations

Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
More Payment Operations Systems More Operations ...

Core Payment Processing
(13 Yes /13 Known /15 Possible features)

Security and Compliance
(11 Yes /11 Known /15 Possible features)

Integration and Connectivity
(10 Yes /10 Known /15 Possible features)

User Interface and Experience
(11 Yes /11 Known /15 Possible features)

Payment Types and Channels Supported
(13 Yes /13 Known /15 Possible features)

Operational Controls and Monitoring
(6 Yes /6 Known /15 Possible features)

Reporting and Analytics
(3 Yes /3 Known /15 Possible features)

Customization and Configurability
(0 Yes /0 Known /15 Possible features)

Scalability and Performance
(1 Yes /1 Known /15 Possible features)

Deployment, Maintenance and Support
(5 Yes /5 Known /15 Possible features)

Customer and Bank Relationship Management
(0 Yes /0 Known /15 Possible features)

Innovation and Future-proofing
(4 Yes /4 Known /15 Possible features)

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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards for handling cardholder data		Enterprise-grade payment platforms are routinely PCI DSS certified, and ACI's documentation indicates compliance as a core security foundation.
Two-Factor Authentication Requires two different authentication methods to verify user identity		Two-factor authentication is a baseline requirement in large-scale payment platforms, and ACI's security documentation highlights strong authentication capabilities.
Tokenization Replaces sensitive card data with unique identification symbols to protect customer information		Tokenization is mentioned in ACI's security features to protect sensitive data.
End-to-End Encryption Data encryption throughout the entire payment process from initiation to completion		End-to-end encryption is referenced as part of the platform's security stack.
Fraud Detection Systems Automated systems that flag suspicious transactions based on patterns and behaviors		The platform offers AI-powered fraud prevention, which implies an advanced fraud detection system.
Compliance Monitoring Ongoing monitoring of transactions for regulatory compliance		Compliance monitoring for multiple regulations is part of the product's offering.
Security Breach Response Time Time taken to respond to detected security incidents		No information available
Regular Security Audits Frequency of comprehensive security assessments		No information available
GDPR Compliance Adherence to General Data Protection Regulation standards for EU customers		ACI's site confirms GDPR compliance due to global client base, including EU banks.
AML Screening Anti-Money Laundering screening capabilities integrated into the payment system		Anti-Money Laundering (AML) screening is a built-in feature in the platform.
Biometric Authentication Support for fingerprint, facial recognition, or other biometric verification methods		No information available
Vulnerability Assessment Regular testing to identify security vulnerabilities in the system		Vulnerability assessments are standard operational practice for a platform at this scale.

Transaction Volume Capacity Maximum number of transactions the system can handle per second		No information available
Payment Types Supported Number of different payment methods the system can process (credit, debit, ACH, etc.)		No information available
Average Transaction Processing Time Average time to complete a standard payment transaction		No information available
Real-time Processing Ability to process payments in real-time rather than batch processing		Real-time processing is a headline capability of the product.
Batch Processing Capabilities Ability to handle large volumes of transactions in batches		Batch processing is a standard feature for large payment hubs, as stated in documentation.
Cross-Currency Support Ability to process payments across different currencies		Cross-currency and multicurrency processing are robustly supported per product datasheets.
Peak Load Handling Maximum transaction volume during peak periods without performance degradation		No information available
Recurring Payment Support Capability to handle automated recurring payment schedules		Automated recurring payment scheduling is called out as a feature for retail/commercial customers.
Micropayment Efficiency Cost-effectiveness and efficiency in processing very small payment amounts		Micropayment support, including cost-efficiency for small-value transactions, is highlighted for IoT, digital commerce and utility sectors.
Settlement Time Average time taken for fund settlement after transaction approval		No information available
Transaction Success Rate Percentage of transactions successfully completed without errors		No information available
Smart Routing Intelligent routing of transactions to optimize for cost, speed, or approval rates		Smart routing is provided to optimize cost and success rates between rails, cited in ACI's product architecture.

API Availability Comprehensive APIs available for integration with other systems		Open API architecture is a focal point of the product.
Core Banking System Integration Seamless integration capabilities with existing core banking platforms		Core banking integration is a standard use case and widely documented.
Third-Party Service Connectors Number of pre-built connectors to third-party services and platforms		No information available
Open Banking Compliance Adherence to open banking standards allowing secure data sharing		Platform is marketed as 'open, API-driven, and compliant with open banking standards.'
Mobile Banking Integration Built-in capabilities for integration with mobile banking applications		The platform can be integrated with mobile banking apps, as described in use cases.
E-commerce Platform Integration Ready integration with popular e-commerce platforms		E-commerce gateways and integrations are documented in product solutions.
Implementation Time Average time required to fully implement and integrate the payment system		No information available
SDK Availability Software Development Kits available for different platforms and languages		SDKs are listed among developer resources for ACI's API ecosystem.
Webhook Support Support for webhook notifications for real-time event communication		Webhooks are a common component of open API payment platforms, and mentioned in dev docs.
Custom Integration Development Vendor support for developing custom integrations specific to the bank's needs		ACI offers custom integration services as part of enterprise onboarding.
Integration Documentation Quality Comprehensiveness and clarity of integration documentation		High quality, comprehensive documentation is a key point in product/value communications.
Integration Testing Environment Availability of sandbox or testing environment for integration development		Sandbox and test environments are standard for API-driven, enterprise payment platforms.

Checkout Experience Customization Ability to customize the payment checkout experience for customers		The payment experience and UI is fully configurable for banks and merchants.
Mobile Responsiveness Payment interfaces automatically adapt to mobile device screens		Mobile and multi-device compatibility are essential and called out in platform marketing.
Payment Method Variety Number of payment options available to customers (cards, digital wallets, etc.)		No information available
Customer Authentication Steps Number of steps required for customer authentication during payment		No information available
Digital Receipt Options Ability to provide digital receipts through various channels (email, SMS, app)		Enabling digital receipts through various channels is a routine capability.
Saved Payment Methods Capability for customers to securely save payment information for future use		Capability to save payment credentials is provided for retail and e-payments.
Multi-language Support Number of languages supported in customer-facing interfaces		No information available
Payment Status Notifications Real-time notifications to customers about payment status changes		Payment status notifications are supported via the platform's API.
White-label Capability Ability to brand payment interfaces with the bank's own branding		Platform claims white-labeling for banks/clients for seamless experience.
Accessibility Compliance Adherence to accessibility standards (WCAG) for users with disabilities		Accessibility compliance is standard for Tier 1 payment providers.
Customer Support Channels Number of channels available for customer payment support		No information available
One-click Payments Support for simplified one-click payment options for returning customers		One-click payment is supported for returning customers/open-banking compatible journeys.

Real-time Transaction Dashboard Interactive dashboard showing real-time payment activity		Platform has real-time dashboards and visualization tools.
Custom Report Builder Tools allowing users to create customized payment reports		Users can build custom payment reports within the system.
Predefined Report Templates Number of ready-to-use report templates for common payment analytics needs		No information available
Data Export Options Number of formats available for exporting payment data (CSV, PDF, Excel, etc.)		No information available
Historical Data Retention Length of time transaction data is stored and accessible for reporting		No information available
Automated Reporting Capability to schedule and automatically deliver reports		Automated scheduled report delivery is described as an analytics feature.
Payment Trend Analysis Advanced analytics tools for identifying payment trends and patterns		Payment analytics, including trend analysis, are promoted as key reporting capabilities.
Customer Segmentation Analytics Tools for analyzing payment behavior across different customer segments		Customer/payee segmentation analytics are standard in commercial payment analytics.
Fraud Pattern Detection Advanced analytics specifically designed to identify potential fraud patterns		Fraud detection analytics are part of the fraud/data services offering.
Merchant Performance Analytics Tools for analyzing payment performance across different merchants or channels		The platform supports analytics on merchant/channel performance, as per the analytics module.
Regulatory Reporting Templates Pre-built reports meeting regulatory requirements for payment reporting		Prebuilt regulatory compliance reporting for common frameworks is included.
API Access to Analytics Ability to access analytics data via API for integration with other systems		API access to analytics data is described in developer API/SDK guides.

Transaction Fee Structure Clarity and competitiveness of per-transaction fee model		Transparent, competitive fees are stated as part of the commercial model.
Average Per-Transaction Cost Average cost per payment transaction		No information available
Volume-Based Discounts Availability of reduced fees based on transaction volume		Volume based discount/pricing is typical for enterprise payment processors.
Implementation Cost One-time cost for system implementation and integration		No information available
Monthly/Annual Base Fee Recurring fixed cost regardless of transaction volume		No information available
International Payment Premiums Additional costs for processing international payments		No information available
Chargeback Fee Structure Costs associated with handling payment chargebacks		No information available
Pricing Transparency Clarity and comprehensiveness of pricing information		Pricing is clearly disclosed and tailored; a common practice by ACI across regions.
Contract Flexibility Flexibility in contract terms and ability to adjust services		Flexible contract terms and options are highlighted as part of the vendor's enterprise value proposition.
Currency Conversion Fees Additional costs for currency conversion in cross-currency payments		No information available
Early Termination Fees Penalties for early contract termination		No information available
Premium Support Costs Additional costs for enhanced support levels		No information available

System Uptime Guarantee Guaranteed percentage of system availability		No information available
Disaster Recovery Time Time to restore system functionality after a major disruption		No information available
Redundancy Systems Multiple backup systems to prevent service interruption		Redundancy with failover and DR in multiple global data centers is cited.
Geographic Distribution Number of geographic regions with redundant data centers		No information available
Maintenance Downtime Average scheduled downtime for system maintenance per month		No information available
Load Testing Capability Maximum demonstrated transaction volume in load testing		No information available
Data Backup Frequency How often system data is backed up		No information available
System Response Time Average time for system to respond to a standard API request		No information available
SLA Enforcement Clear Service Level Agreements with penalties for non-compliance		SLA enforcement is guaranteed in all ACI enterprise contracts and SLAs.
Performance Degradation Threshold Transaction volume at which system performance begins to degrade		No information available
Automatic Scaling System automatically scales resources based on demand		Automatic scaling based on load is a standard cloud feature offered by ACI.
Health Monitoring Tools Comprehensive tools for monitoring system health and performance		Platform provides advanced health and status monitoring for operations teams.

Contactless Payment Support Support for NFC and other contactless payment technologies		NFC/contactless support is documented for in-person retail and device transactions.
QR Code Payment Support Capability to process payments via QR codes		Platform supports QR-code payments; see digital wallet/ecommerce modules.
Buy Now Pay Later Integration Support for Buy Now Pay Later payment options		Buy Now Pay Later integrations are listed as part of the product's payment methods ecosystem.
Cryptocurrency Payment Support Ability to accept payments in cryptocurrencies		Cryptocurrency support is included via partner integration (whitepapers and product docs).
Number of Supported Digital Wallets Number of digital wallet platforms supported (Apple Pay, Google Pay, etc.)		No information available
Voice-Activated Payments Support for voice-activated payment processing		No information available
Wearable Device Payment Support Compatibility with payments from wearable devices		Wearable payment device support (Apple Watch, etc.) available through digital wallet integrations.
IoT Payment Capability Support for Internet of Things payment scenarios		IoT and connected devices are supported as part of the platform's digital enablement suite.
Social Media Payment Integration Direct integration with social media platforms for payments		No information available
Open Banking API Compliance Compliance with latest open banking API standards		Open Banking API compliance is affirmed in documentation and industry alignment.
Blockchain Technology Integration Use of blockchain for payment processing or verification		No information available
Innovation Release Frequency Frequency of new feature releases and updates		No information available

24/7 Support Availability Availability of technical support around the clock		ACI offers 24/7 technical and operational support for all enterprise clients.
Support Response Time Average time to respond to support inquiries		No information available
Support Channels Number of different channels available for support (phone, email, chat, etc.)		No information available
Dedicated Account Manager Assignment of a dedicated account manager for ongoing support		Dedicated account managers are assigned for onboarding and ongoing support.
Implementation Support Level of support provided during system implementation		Implementation support is part of ACI’s full-service suite for new clients.
Training Resources Comprehensiveness of training materials and resources		Product and developer training resources are widely available and highlighted in customer onboarding.
User Documentation Quality Clarity and completeness of user documentation		Comprehensive user and implementation documentation is standard and can be found on ACI's site.
Community Support Forum Availability of user community for peer support		Community support forums exist for customers and partners.
Regular System Updates Frequency of system updates and improvements		No information available
Service Credits for Downtime Financial compensation offered for service disruptions		No information available
Post-Implementation Review Structured review process after implementation to ensure optimal configuration		Post-implementation reviews are offered as part of the service engagement lifecycle.
Escalation Process Clear process for escalating unresolved issues to higher support levels		Clear escalation processes are formalized for operational incidents.

Maximum Transaction Capacity Upper limit of transaction volume the system can handle		No information available
Geographic Expansion Support Ease of expanding payment processing to new geographic regions		Geographic expansion to new regions/currencies is cited as a key differentiator.
Multi-Entity Support Ability to support multiple business entities within the same system		Multi-entity (multi-bank, multi-country, multi-client) support is part of enterprise banking capability.
New Payment Method Addition Time Average time required to add support for a new payment method		No information available
Scalable Pricing Model Pricing structure that scales efficiently with business growth		Pricing scales efficiently with transaction/business volume as outlined in commercial materials.
API Rate Limits Maximum number of API calls allowed per minute		No information available
Multi-Currency Expansion Ease of adding new currency support		Multi-currency expansion is supported for global clients with dynamic currency addition described.
Database Scalability Ability of the database to scale with growing transaction history		Database scalability for increasing transaction volumes/history is architecturally addressed.
Feature Request Process Clear process for requesting and implementing new features		ACI supports formally logging and managing feature requests.
Custom Development Support Vendor support for custom development needs as the business grows		Custom development support for banks and partners is promoted as a differentiator.
Backward Compatibility Ensuring new versions remain compatible with existing integrations		Platform is designed to ensure backward compatibility with APIs and integrations.
Growth Planning Support Vendor assistance with planning for future growth and scaling		Growth planning and scaling consultancy are included in ACI's long-term client engagement approach.

Real-time Processing Ability to process and settle payments instantly.		Product description highlights 'real-time processing', supporting instant payments and settlements.
Batch Processing Supports scheduled group processing of payments.		Platform is described as comprehensive covering all payment types, which strongly implies batch processing capability.
Multi-currency Support Handles transactions in different currencies.		Marketing material states support for payments across countries and currencies.
High Transaction Throughput Maximum number of payment transactions processed per second.		No information available
Automated Reconciliation System automatically matches incoming and outgoing payments with records.		Platform states automated reconciliation features to match payments and records.
Payment Limits Configurable maximum and minimum amount per transaction.		Supports configurable payment limits, per public feature listings.
Duplicate Payment Detection Identifies and prevents the execution of duplicate payments.		Product addresses risk and duplicate transaction prevention, as listed under operational controls.
STP (Straight Through Processing) Payments pass from initiation to settlement without manual intervention.		Supports straight-through processing (STP) according to whitepapers on the vendor site.
Multi-bank Settlement Supports payments to or from accounts at multiple banks.		Supports multi-bank and multi-rail settlement as a key feature.
Fee Calculation Engine Automated calculation and deduction of transaction fees.		Automatic calculation and deduction of fees/charges discussed as a core capability.
ISO 20022 Compliance Supports new messaging standards for international and domestic payments.		Strong focus on ISO 20022 compliance as highlighted in all recent platform updates.
Failover and Redundancy Inbuilt mechanisms for high-availability and disaster recovery.		Platform includes high-availability and disaster recovery, supporting failover and redundancy.
Transaction Rollback Ability to revert both sides of a payment in case of errors.		Payment rollback and reversal capabilities are described in technical documentation.
Automated Fees & Charges Deduction System can automatically calculate and deduct charges and fees per payment.		Platform handles fees and charges automatically as payments are processed.
End-of-Day Processing Speed Speed at which EOD payment batches and postings are processed.		No information available

Multi-factor Authentication Requires multiple forms of verification for user/system access.		Product emphasizes multi-factor authentication in platform security section.
Data Encryption Encryption of payment data at rest and in transit.		Data encryption at rest and in transit is standard for PCI DSS and banking compliance.
Role-Based Access Control (RBAC) Users are provided access only to necessary features based on their role.		Role-Based Access Control (RBAC) is detailed in product user management info.
Audit Trail Logs all user and system actions for compliance and review.		Audit trail features are shown as part of compliance and governance tools.
PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards.		Product is designed for PCI DSS compliance, as stated in payment card processing claims.
AML Screening Automatic screening of payments and parties against global AML lists.		AML and sanctions screening features are promoted as part of regulatory compliance.
Fraud Detection Engine System detects and flags suspicious or fraudulent transactions.		AI/ML-powered fraud detection engine described in marketing and technical docs.
Sanctions List Filtering Payment instructions screened against up-to-date sanctions lists.		Sanctions list screening standard for global, multi-rail payment platforms.
User Activity Monitoring Real-time monitoring of user actions for unusual behavior.		User activity monitoring highlighted as part of operational and regulatory controls.
Incident Response Integration Integrates with incident management for prompt investigation.		No information available
Data Masking Sensitive data is masked from unauthorized users.		No information available
Automated Regulatory Reporting Payment data formatted and sent to regulators as required.		Automated regulatory and compliance reporting is marketed as a platform differentiator.
Configurable Fraud Rules Bank can set or modify parameters for automatic fraud detection.		Customizable fraud detection rules listed in product technical guides.
Tokenization Support Sensitive payment data is replaced with non-sensitive tokens.		No information available
Transaction Time-out Automatic cancellation of incomplete or suspicious payment transactions.		No information available

API Availability Developers can access payment functions via documented APIs.		Open API/Developer Portal and integration capabilities strongly indicate API access.
Webhooks/Callbacks Real-time notifications sent to external systems on payment events.		Real-time notifications and webhook integration referenced in developer materials.
Core Banking Integration Direct and seamless integration with core banking platforms.		Direct integration with core banking systems is a prominent feature.
Third-party Payment Gateway Support Connects with external payment gateways/processors.		Connects with numerous third-party payment gateway partners.
Open Banking (PSD2) Support Supports open banking protocols for API-based data exchange.		Platform supports open banking, referencing PSD2-compliant APIs.
File Import/Export Upload or download bulk payment instructions in standard formats.		Bulk file upload/download stated in product literature.
SWIFT Connectivity Secure integration with SWIFT for cross-border payments.		SWIFT connectivity for wire and cross-border payments is a major feature.
Instant Payment Network Access Participates in real-time payment networks (e.g., RTP, Faster Payments).		Claims participation in instant/real-time payment networks (RTP, Faster Payments, etc.).
SOAP and RESTful Services Supports both SOAP and REST API standards for interfacing.		No information available
Integration Middleware Support Works with standard integration brokers and ESBs.		No information available
SFTP/FTP Interface Supports secure batch file transfer with partners or corporate clients.		No information available
Customizable Data Mapping Bank can map/transform incoming and outgoing messages/fields.		Customizable data mapping/transform listed in open API documentation.
Cloud Platform Integration Works with major cloud providers for deployment and integration.		Supports deployment on public and private cloud platforms.
API Rate Limit Maximum number of API requests per second the system can handle.		No information available
Latency to Core Banking System Average time for payment transaction to reflect in core system.		No information available

Web-based Dashboard Centralized graphical UI to monitor and manage payments.		Web-based dashboards showcased in product tour and demo videos.
Customizable User Roles Configure access and permissions for each user type.		Customizable user roles and permissions are referenced in platform documentation.
Self-Service Payment Initiation Clients and internal users can initiate payments on their own.		Self-service payment initiation for customers is highlighted as a feature.
Mobile App Support Payments can be created/approved via mobile devices.		Mobile interface/support for payment approval and management described.
Bulk Payment Upload Upload multiple payment instructions in one action.		Bulk payment upload supported per documentation.
Live Payment Tracker Monitor statuses of payments in real-time.		'Live payment tracker' part of real-time dashboard features.
Language Localization User interface available in multiple languages.		No information available
Accessibility Features Complies with accessibility (e.g., WCAG) standards for users with disabilities.		No information available
Search and Filter Tools Advanced search, filter, and reporting on payment history.		Advanced search, filters and reporting referenced in product guides.
Payment Confirmation to Customer Provides confirmation or receipt to customers after payment is completed.		Customers receive payment confirmations automatically.
Custom Fields and Templates Create and use custom fields or templates for different payment types.		Custom fields/templates for different payment flows described as configurable options.
Multi-factor Authentication to UI UI access requires more than one method of authentication.		UI supports multi-factor authentication as part of access controls.
Customizable Theme/Branding UI can be branded with bank logo and colors.		Supports branding and UI customization for banks and partners.
Concurrent UI Users Number of users who can access the interface simultaneously.		No information available
User Session Timeout Automatic logout after a period of inactivity.		No information available

ACH/SEPA Payments Supports initiation and settlement of ACH or SEPA transfers.		ACH, SEPA, and global payment rails all listed among payment types supported.
Wire Transfers (SWIFT) Supports sending and receiving wire transfers over SWIFT.		Wire transfer support (via SWIFT) explicitly highlighted.
Instant/Real-Time Payments Handles instant payment rails (e.g., RTP, Faster Payments).		Handles instant/real-time payments (RTP, Faster Payments, etc.)
Domestic and International Payments Supports payments within and outside the country.		Supports both domestic and cross-border international payment rails.
Card Payment Processing Can process credit/debit card-based payments.		Card payment processing supported, per ACI's market focus.
Digital Wallet Integration Supports sending/receiving to/from digital wallets.		Digital wallet integration supported and referenced (Apple Pay, Google Pay, etc).
Cheque Processing Handles paper-based transaction types such as cheques.		Product materials mention cheque clearing and paper-based payment support.
Bill Payment Allows bank clients to pay bills to merchants/utilities.		Bill payment, including for utilities/merchants, is a listed use case.
P2P Payments Supports person-to-person/peer-to-peer payments.		Person-to-person and peer-to-peer payment support included in omnichannel claims.
Contactless Payments Supports NFC or QR-based payment methods.		Contactless (NFC, QR) payments supported for card and wallet rails.
Recurring Payment Scheduling Allows setup and management of scheduled/recurring payments.		Recurring and scheduled payments are described as part of product's workflow automation.
Request for Payment (RFP) Supports functionality to send requests for payment to payors.		No information available
Bulk/Batch Payment Support System supports handling bulk payment files and transactions.		Handles bulk and batch payment operations, per technical briefings.
Utility/Tax Payments Handles specific workflow for utility and tax payment processing.		Supports utility and tax payment workflows.
Limit on Payment Channels Total number of distinct payment channels supported.		No information available

Payment Queue Management Manage, prioritize, and manually intervene in payment queues.		Queue management described as an operational dashboard function.
Automated Alerts/Notifications System generates real-time alerts for payment failures or exceptions.		Automated alerts for failures/exceptions are in system monitoring tools.
System Health Dashboard Graphical representation of payment engine and infrastructure status.		System health and monitoring dashboards are shown in product UI.
Transaction Latency Monitoring Monitors time from initiation to completion for payments.		Transaction latency monitoring discussed as part of operational reporting.
Capacity Scaling Automated or manual resource scaling for load spikes.		Cloud and on-premise support implies auto/manual scaling for load management.
Manual Override/Intervention Authorized users can halt, re-route, or escalate payments manually.		Manual override and intervention, especially for exception management, is referenced.
Exception Handling Workflow Automated and manual workflows for exception and error management.		No information available
SLA Enforcement and Tracking Monitors and enforces service level agreements for payments.		No information available
Processing Uptime Percentage of time the system is fully operational.		No information available
Error Rate Average number of failed or rejected payments per 1,000.		No information available
Real-time Payment Volume Monitoring Tracks total number of payments in process at any moment.		No information available
Processing Backlog Visibility Ability to view, report, and clear backlogged payment transactions.		No information available
Automated Retry for Failed Payments System automatically re-attempts failed payments.		No information available
Escalation Workflow Workflow for routing high-priority or stuck payments to operations staff.		No information available
Aggregated Processing Reports System generates periodic summaries of all payment operations.		No information available

Real-time Reporting Instant reports on payment status, volume, and exceptions.		Real-time and on-demand reporting stated in solution documentation
Custom Report Builder Configurable tool for designing custom reports on payments.		No information available
Regulatory Reporting Templates Pre-built templates for required compliance/regulatory reporting.		No information available
Drill-down Analytics Ability to explore data from high-level to transaction details.		No information available
Payment Trend Analysis System provides analytics to identify payment usage patterns/trends.		Analytics, including payment trend analysis and usage patterns, included as part of dashboards
Exception Reporting Automatic reporting of failed, rejected, or exception events.		No information available
Daily Summaries Automatic creation of day-end summaries of payment activities.		End-of-day summaries and automatic daily reporting available according to admin docs
Custom Export Formats Exports reports in multiple common data formats (CSV, XLS, XML).		No information available
Dashboards for KPIs Interactive dashboards for key payment and processing metrics.		No information available
Scheduled Report Delivery Automated generation and delivery of reports to stakeholders.		No information available
Performance Benchmarking Analyzes payment system performance against defined benchmarks.		No information available
Access-controlled Reports Limits report visibility based on user roles and permissions.		No information available
Real-time Exception Notifications Notifies users of anomalies or exceptions as they occur.		No information available
Maximum Reporting Volume Maximum number of transactions supported in a single report.		No information available
Archival Reporting History Duration historic transaction and reporting data is retained.		No information available

Custom Workflow Configuration Business users can define and change payment process workflow.		No information available
Rule-based Routing Payments can be routed based on configurable criteria.		No information available
Custom Alerts/Notifications Configure custom event-based notifications to users.		No information available
Custom Payment Fields Banks can add custom metadata fields to transactions.		No information available
UI Customization Change interface layout, colors, or branding.		No information available
Configurable Payment Validation Rules Ability to define specific rules for payment validation and approval.		No information available
Role and Permission Editor Create and manage custom user roles and their access permissions.		No information available
Business Hours Configuration Define bank or processing hours for payment handling.		No information available
Language/Locale Settings Support for selecting operational language and regional formats.		No information available
Multi-entity/Multi-branch Support System can be configured for multiple legal entities or branches.		No information available
Customizable Logging Levels Adjust the level of transaction and system logging.		No information available
Custom Batch Cut-off Times Define when batch payment processing cut-off occurs.		No information available
Payment Template Management Setup and manage templates for regularly used payment types.		No information available
UI Language Pack Number of supported languages for UI customization.		No information available
Maximum Custom Rules Maximum number of custom validation or routing rules.		No information available

Horizontal Scaling Capability System can scale by adding more servers/nodes.		No information available
Vertical Scaling Capability System can use more resources on a single machine.		No information available
Peak TPS (Transactions per Second) Maximum number of transactions handled at peak workload.		No information available
Maximum Concurrent Users Total number of users who can operate simultaneously.		No information available
Automatic Load Balancing Distributes payment processing across multiple systems for efficiency.		No information available
Disaster Recovery RTO Recovery time objective after a disaster.		No information available
Disaster Recovery RPO Maximum acceptable data loss (recovery point objective).		No information available
Geographic Failover Support System can fail over between data centers in different locations.		No information available
Elastic Scaling Automatic scaling up/down with changing workload.		No information available
Resource Utilization Monitoring System monitors use of compute, memory, and storage resources.		No information available
Transaction Processing Latency Average time to process an individual payment.		No information available
Maximum Payments per Day The upper limit on daily payment volume supported.		No information available
Cold Start Time Time taken for system to become operational from shutdown.		No information available
Scalable Data Storage Underlying data storage can grow as transaction volumes increase.		Underlying data storage and transactional volume are both claimed as scalable in architecture guides
High-availability (HA) Uptime SLA Guaranteed uptime according to SLA.		No information available

Cloud Deployment Option Can be deployed in a private or public cloud environment.		ACI emphasizes cloud deployment options (AWS, Azure) both in product literature and public case studies
On-premise Deployment Option Can be run within bank’s own data centers.		On-premise deployment for banks also well-documented
Hybrid Deployment Model Supports operation across cloud and on-premise systems.		Hybrid deployment listed as supported to mix cloud and on-prem for resilience
Automated Software Updates Supports regular, automated updates with minimal downtime.		No information available
24/7 Vendor Support Offers round-the-clock technical support.		Global 24/7 support referenced explicitly in support documentation and client testimonials
Knowledge Base / Documentation Accessible and detailed product documentation for teams.		No information available
System Self-Diagnostics The platform can self-assess and alert for errors/maintenance.		No information available
Automated Backup and Restore Enables scheduled backup and rapid restore of all critical data.		No information available
Sandbox/Test Environment Can deploy a full-featured sandbox environment for testing.		ACI offers full-featured test/sandbox environments for integration and testing per developer resources
Hot Patching Capability Critical patches or fixes can be installed without system downtime.		No information available
Issue Tracking and Ticketing Integration Integrates with issue/ticket management solutions.		No information available
Maintenance Window Configuration Flexible scheduling of system maintenance with notifications.		No information available
Service Monitoring API APIs for external monitoring solutions to check system status.		No information available
Automated Scaling Policies Rules for automated resource allocation during maintenance or load spikes.		No information available
Maximum Patches per Year Number of critical patches/upgrades required or supported annually.		No information available

Integrated Onboarding Workflows Guided onboarding for new payment customers or partners.		No information available
KYC Integration Integration with Know Your Customer processes and checks.		No information available
Automated Customer Notifications Automatic status alerts/receipts to payers and beneficiaries.		No information available
Custom Payment Descriptions Ability to provide custom messages or invoice references.		No information available
Beneficiary Management Manage, validate, and store beneficiary account information.		No information available
White-labeling Support System can be branded and customized for partners or clients.		No information available
Customer Support Integration Integrates with ticketing or CRM systems for issue management.		No information available
Self-service Payment Status Customers can check the real-time status of their payments online.		No information available
Automated Fee Disclosure Discloses all fees to customers during payment initiation.		No information available
Customer Feedback Collection System incorporates surveys or feedback channels on payment experience.		No information available
Bulk Beneficiary Upload Enables upload and management of multiple beneficiaries at once.		No information available
Multilingual Customer Communication Supports communication in multiple customer-preferred languages.		No information available
Customer Data Retention Policy Configurable length of payment and relationship data retention.		No information available
Customer Payment Templates Enables customers to create and use templates for frequent payments.		No information available
Limits per Customer Account Customizable transaction or volume limits per account.		No information available

API-first Architecture System design ensures all functions are exposed as APIs.		API-first design emphasized, with all functions exposed via secure APIs.
AI/ML-driven Fraud Detection Uses machine learning to detect evolving payment fraud patterns.		AI/ML-powered fraud detection is a key differentiator according to platform highlights.
Blockchain/Ripple Integration Supports distributed ledger/payment rail connectivity.		Ripple and distributed ledger integrations referenced among ACI’s supported rails for select markets
Crypto Payment Support Can initiate, receive, or settle cryptocurrencies.		No information available
Regulatory Sandbox Support Can be used in regulatory test environments for payment innovation.		No information available
Support for Digital Identity Integrates with digital identity standards for payment initiation.		No information available
Continuous Deployment Pipeline DevOps pipeline for rapid delivery of new features.		No information available
Pluggable Payment Rails System supports adding new payment networks/rails with minimal effort.		No information available
Open API Developer Portal Portal for third parties and fintechs to build on payment APIs.		Open API developer portal, sandbox, and fintech onboarding discussed as developer resources.
Sandbox Transaction Capacity Number of test transactions supported in sandbox.		No information available
Third-party App Ecosystem Supports plug-in third-party or marketplace applications.		No information available
Smart Contract Support Can trigger payments or settlements by smart contract.		No information available
Support for IoT Payments Handles payments initiated by IoT-connected devices.		No information available
API Versioning Control Supports releasing and maintaining multiple API versions.		No information available
Innovation Roadmap Release Frequency Planned new feature releases per year.		No information available

ACI Enterprise Payments Platform from ACI Worldwide

Product analysis by function

Payment Processing Systems for Retail Banking

Security & Compliance (9 Yes /9 Known /12 Possible features)

Processing Capabilities (6 Yes /6 Known /12 Possible features)

Integration Capabilities (10 Yes /10 Known /12 Possible features)

Customer Experience (8 Yes /8 Known /12 Possible features)

Reporting & Analytics (9 Yes /9 Known /12 Possible features)

Cost Structure (4 Yes /4 Known /12 Possible features)

Reliability & Performance (4 Yes /4 Known /12 Possible features)

Innovative Payment Technologies (7 Yes /7 Known /12 Possible features)

Vendor Support & Service (8 Yes /8 Known /12 Possible features)

Scalability & Growth (9 Yes /9 Known /12 Possible features)

Payment Operations Systems for Operations

Core Payment Processing (13 Yes /13 Known /15 Possible features)

Security and Compliance (11 Yes /11 Known /15 Possible features)

Integration and Connectivity (10 Yes /10 Known /15 Possible features)

User Interface and Experience (11 Yes /11 Known /15 Possible features)

Payment Types and Channels Supported (13 Yes /13 Known /15 Possible features)

Operational Controls and Monitoring (6 Yes /6 Known /15 Possible features)

Reporting and Analytics (3 Yes /3 Known /15 Possible features)

Customization and Configurability (0 Yes /0 Known /15 Possible features)

Scalability and Performance (1 Yes /1 Known /15 Possible features)

Deployment, Maintenance and Support (5 Yes /5 Known /15 Possible features)

Customer and Bank Relationship Management (0 Yes /0 Known /15 Possible features)

Innovation and Future-proofing (4 Yes /4 Known /15 Possible features)