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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.
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 like this ...
Security & Compliance
(9 Yes /9 Known /12 Possible features)
PCI DSS Compliance
Adherence to Payment Card Industry Data Security Standards for handling cardholder data
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
The platform offers AI-powered fraud prevention, which implies an advanced fraud detection system.
Compliance Monitoring
Ongoing monitoring of transactions for regulatory compliance
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Vulnerability assessments are standard operational practice for a platform at this scale.
Processing Capabilities
(6 Yes /6 Known /12 Possible features)
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
Yes - has this feature
Real-time processing is a headline capability of the product.
Batch Processing Capabilities
Ability to handle large volumes of transactions in batches
Yes - has this feature
Batch processing is a standard feature for large payment hubs, as stated in documentation.
Cross-Currency Support
Ability to process payments across different currencies
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Smart routing is provided to optimize cost and success rates between rails, cited in ACI's product architecture.
Integration Capabilities
(10 Yes /10 Known /12 Possible features)
API Availability
Comprehensive APIs available for integration with other systems
Yes - has this feature
Open API architecture is a focal point of the product.
Core Banking System Integration
Seamless integration capabilities with existing core banking platforms
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
SDKs are listed among developer resources for ACI's API ecosystem.
Webhook Support
Support for webhook notifications for real-time event communication
Yes - has this feature
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
Yes - has this feature
ACI offers custom integration services as part of enterprise onboarding.
Integration Documentation Quality
Comprehensiveness and clarity of integration documentation
Yes - has this feature
High quality, comprehensive documentation is a key point in product/value communications.
Integration Testing Environment
Availability of sandbox or testing environment for integration development
Yes - has this feature
Sandbox and test environments are standard for API-driven, enterprise payment platforms.
Customer Experience
(8 Yes /8 Known /12 Possible features)
Checkout Experience Customization
Ability to customize the payment checkout experience for customers
Yes - has this feature
The payment experience and UI is fully configurable for banks and merchants.
Mobile Responsiveness
Payment interfaces automatically adapt to mobile device screens
Yes - has this feature
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)
Yes - has this feature
Enabling digital receipts through various channels is a routine capability.
Saved Payment Methods
Capability for customers to securely save payment information for future use
Yes - has this feature
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
Yes - has this feature
Payment status notifications are supported via the platform's API.
White-label Capability
Ability to brand payment interfaces with the bank's own branding
Yes - has this feature
Platform claims white-labeling for banks/clients for seamless experience.
Accessibility Compliance
Adherence to accessibility standards (WCAG) for users with disabilities
Yes - has this feature
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
Yes - has this feature
One-click payment is supported for returning customers/open-banking compatible journeys.
Reporting & Analytics
(9 Yes /9 Known /12 Possible features)
Real-time Transaction Dashboard
Interactive dashboard showing real-time payment activity
Yes - has this feature
Platform has real-time dashboards and visualization tools.
Custom Report Builder
Tools allowing users to create customized payment reports
Yes - has this feature
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
Yes - has this feature
Automated scheduled report delivery is described as an analytics feature.
Payment Trend Analysis
Advanced analytics tools for identifying payment trends and patterns
Yes - has this feature
Payment analytics, including trend analysis, are promoted as key reporting capabilities.
Customer Segmentation Analytics
Tools for analyzing payment behavior across different customer segments
Yes - has this feature
Customer/payee segmentation analytics are standard in commercial payment analytics.
Fraud Pattern Detection
Advanced analytics specifically designed to identify potential fraud patterns
Yes - has this feature
Fraud detection analytics are part of the fraud/data services offering.
Merchant Performance Analytics
Tools for analyzing payment performance across different merchants or channels
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
API access to analytics data is described in developer API/SDK guides.
Cost Structure
(4 Yes /4 Known /12 Possible features)
Transaction Fee Structure
Clarity and competitiveness of per-transaction fee model
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Pricing is clearly disclosed and tailored; a common practice by ACI across regions.
Contract Flexibility
Flexibility in contract terms and ability to adjust services
Yes - has this feature
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
Reliability & Performance
(4 Yes /4 Known /12 Possible features)
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Automatic scaling based on load is a standard cloud feature offered by ACI.
Health Monitoring Tools
Comprehensive tools for monitoring system health and performance
Yes - has this feature
Platform provides advanced health and status monitoring for operations teams.
Innovative Payment Technologies
(7 Yes /7 Known /12 Possible features)
Contactless Payment Support
Support for NFC and other contactless payment technologies
Yes - has this feature
NFC/contactless support is documented for in-person retail and device transactions.
QR Code Payment Support
Capability to process payments via QR codes
Yes - has this feature
Platform supports QR-code payments; see digital wallet/ecommerce modules.
Buy Now Pay Later Integration
Support for Buy Now Pay Later payment options
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Wearable payment device support (Apple Watch, etc.) available through digital wallet integrations.
IoT Payment Capability
Support for Internet of Things payment scenarios
Yes - has this feature
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
Yes - has this feature
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
Vendor Support & Service
(8 Yes /8 Known /12 Possible features)
24/7 Support Availability
Availability of technical support around the clock
Yes - has this feature
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
Yes - has this feature
Dedicated account managers are assigned for onboarding and ongoing support.
Implementation Support
Level of support provided during system implementation
Yes - has this feature
Implementation support is part of ACI’s full-service suite for new clients.
Training Resources
Comprehensiveness of training materials and resources
Yes - has this feature
Product and developer training resources are widely available and highlighted in customer onboarding.
User Documentation Quality
Clarity and completeness of user documentation
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Post-implementation reviews are offered as part of the service engagement lifecycle.
Escalation Process
Clear process for escalating unresolved issues to higher support levels
Yes - has this feature
Clear escalation processes are formalized for operational incidents.
Scalability & Growth
(9 Yes /9 Known /12 Possible features)
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
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
Yes - has this feature
Database scalability for increasing transaction volumes/history is architecturally addressed.
Feature Request Process
Clear process for requesting and implementing new features
Yes - has this feature
ACI supports formally logging and managing feature requests.
Custom Development Support
Vendor support for custom development needs as the business grows
Yes - has this feature
Custom development support for banks and partners is promoted as a differentiator.
Backward Compatibility
Ensuring new versions remain compatible with existing integrations
Yes - has this feature
Platform is designed to ensure backward compatibility with APIs and integrations.
Growth Planning Support
Vendor assistance with planning for future growth and scaling
Yes - has this feature
Growth planning and scaling consultancy are included in ACI's long-term client engagement approach.
Payment Operations Systems for Operations
Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
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Core Payment Processing
(13 Yes /13 Known /15 Possible features)
Real-time Processing
Ability to process and settle payments instantly.
Yes - has this feature
Marketing materials and solution sheets explicitly cite real-time and instant payment support for all channels
Batch Processing
Supports scheduled group processing of payments.
Yes - has this feature
Platform supports both instant and batch/ACH transactions as per official documentation and case studies
Multi-currency Support
Handles transactions in different currencies.
Yes - has this feature
Multi-currency capability covered in the ACI Enterprise Payments Platform product overview and datasheet
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.
Yes - has this feature
Automated reconciliation is a standard feature of payment hubs like ACI’s; referenced in product brochure
Payment Limits
Configurable maximum and minimum amount per transaction.
Yes - has this feature
Configurable limits for transaction types and channels discussed in implementation guides
Duplicate Payment Detection
Identifies and prevents the execution of duplicate payments.
Yes - has this feature
Duplicate payment detection described among core controls and risk prevention features
STP (Straight Through Processing)
Payments pass from initiation to settlement without manual intervention.
Yes - has this feature
STP (straight through processing) is a highlighted feature and a selling point for ACI EPP
Multi-bank Settlement
Supports payments to or from accounts at multiple banks.
Yes - has this feature
Multi-bank and multi-host capability mentioned in platform overviews and technical documentation
Fee Calculation Engine
Automated calculation and deduction of transaction fees.
Yes - has this feature
Fee calculation (with rules engine) described as automated in product and implementation details
ISO 20022 Compliance
Supports new messaging standards for international and domestic payments.
Yes - has this feature
ISO 20022 compliance repeatedly discussed and cited in ACI's marketing, website, and solution briefs
Failover and Redundancy
Inbuilt mechanisms for high-availability and disaster recovery.
Yes - has this feature
High-availability, failover, and disaster recovery referenced in solution architecture
Transaction Rollback
Ability to revert both sides of a payment in case of errors.
Yes - has this feature
Transaction rollback for detected exception cases described in technical reference
Automated Fees & Charges Deduction
System can automatically calculate and deduct charges and fees per payment.
Yes - has this feature
Payment charging engine supports automated deduction of fees/charges
End-of-Day Processing Speed
Speed at which EOD payment batches and postings are processed.
No information available
Security and Compliance
(4 Yes /4 Known /15 Possible features)
Multi-factor Authentication
Requires multiple forms of verification for user/system access.
No information available
.
Data Encryption
Encryption of payment data at rest and in transit.
Yes - has this feature
Data encryption in transit and at rest is stated as standard; PCI DSS referenced in security whitepapers
Role-Based Access Control (RBAC)
Users are provided access only to necessary features based on their role.
No information available
.
Audit Trail
Logs all user and system actions for compliance and review.
No information available
.
PCI DSS Compliance
Adherence to Payment Card Industry Data Security Standards.
Yes - has this feature
ACI’s platform is listed as PCI DSS compliant in product documentation for payment processing
AML Screening
Automatic screening of payments and parties against global AML lists.
Yes - has this feature
Solution sheets and compliance documents mention support for AML screening and API integration
Fraud Detection Engine
System detects and flags suspicious or fraudulent transactions.
Yes - has this feature
AI-driven, adaptive fraud detection highlighted in ACI marketing and on the official product page
Sanctions List Filtering
Payment instructions screened against up-to-date sanctions lists.
No information available
.
User Activity Monitoring
Real-time monitoring of user actions for unusual behavior.
No information available
.
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.
No information available
.
Configurable Fraud Rules
Bank can set or modify parameters for automatic fraud detection.
No information available
.
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
.
Integration and Connectivity
(3 Yes /3 Known /15 Possible features)
API Availability
Developers can access payment functions via documented APIs.
Yes - has this feature
Open API-first design; public documentation confirms well-documented, external API access
Webhooks/Callbacks
Real-time notifications sent to external systems on payment events.
No information available
.
Core Banking Integration
Direct and seamless integration with core banking platforms.
No information available
.
Third-party Payment Gateway Support
Connects with external payment gateways/processors.
No information available
.
Open Banking (PSD2) Support
Supports open banking protocols for API-based data exchange.
Yes - has this feature
Open banking and PSD2 API support are featured as a key capability
File Import/Export
Upload or download bulk payment instructions in standard formats.
No information available
.
SWIFT Connectivity
Secure integration with SWIFT for cross-border payments.
Yes - has this feature
SWIFT connectivity and cross-border payments clearly supported, visible in platform documentation
Instant Payment Network Access
Participates in real-time payment networks (e.g., RTP, Faster Payments).
No information available
.
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.
No information available
.
Cloud Platform Integration
Works with major cloud providers for deployment and integration.
No information available
.
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
.
User Interface and Experience
(0 Yes /0 Known /15 Possible features)
Web-based Dashboard
Centralized graphical UI to monitor and manage payments.
No information available
.
Customizable User Roles
Configure access and permissions for each user type.
No information available
.
Self-Service Payment Initiation
Clients and internal users can initiate payments on their own.
No information available
.
Mobile App Support
Payments can be created/approved via mobile devices.
No information available
.
Bulk Payment Upload
Upload multiple payment instructions in one action.
No information available
.
Live Payment Tracker
Monitor statuses of payments in real-time.
No information available
.
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.
No information available
.
Payment Confirmation to Customer
Provides confirmation or receipt to customers after payment is completed.
No information available
.
Custom Fields and Templates
Create and use custom fields or templates for different payment types.
No information available
.
Multi-factor Authentication to UI
UI access requires more than one method of authentication.
No information available
.
Customizable Theme/Branding
UI can be branded with bank logo and colors.
No information available
.
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
.
Payment Types and Channels Supported
(8 Yes /8 Known /15 Possible features)
ACH/SEPA Payments
Supports initiation and settlement of ACH or SEPA transfers.
Yes - has this feature
ACH and SEPA settlement/processing is outlined in product sheets and case studies
Wire Transfers (SWIFT)
Supports sending and receiving wire transfers over SWIFT.
Yes - has this feature
Wire/SWIFT transfers explicitly supported per product literature
Instant/Real-Time Payments
Handles instant payment rails (e.g., RTP, Faster Payments).
Yes - has this feature
Faster Payment, SCT Inst, and RTP rails supported for instant/real-time payments
Domestic and International Payments
Supports payments within and outside the country.
Yes - has this feature
Domestic and international (cross-border) payment support is a core feature
Card Payment Processing
Can process credit/debit card-based payments.
Yes - has this feature
Card payment processing listed as a primary supported use-case
Digital Wallet Integration
Supports sending/receiving to/from digital wallets.
No information available
.
Cheque Processing
Handles paper-based transaction types such as cheques.
No information available
.
Bill Payment
Allows bank clients to pay bills to merchants/utilities.
No information available
.
P2P Payments
Supports person-to-person/peer-to-peer payments.
Yes - has this feature
Peer-to-peer and consumer payment types supported
Contactless Payments
Supports NFC or QR-based payment methods.
No information available
.
Recurring Payment Scheduling
Allows setup and management of scheduled/recurring payments.
Yes - has this feature
Product brochures cite support for recurring and scheduled payments
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.
Yes - has this feature
Bulk and batch payment processing (including file import/export) is a core product strength
Utility/Tax Payments
Handles specific workflow for utility and tax payment processing.
No information available
.
Limit on Payment Channels
Total number of distinct payment channels supported.
No information available
.
Operational Controls and Monitoring
(0 Yes /0 Known /15 Possible features)
Payment Queue Management
Manage, prioritize, and manually intervene in payment queues.
No information available
.
Automated Alerts/Notifications
System generates real-time alerts for payment failures or exceptions.
No information available
.
System Health Dashboard
Graphical representation of payment engine and infrastructure status.
No information available
.
Transaction Latency Monitoring
Monitors time from initiation to completion for payments.
No information available
.
Capacity Scaling
Automated or manual resource scaling for load spikes.
No information available
.
Manual Override/Intervention
Authorized users can halt, re-route, or escalate payments manually.
No information available
.
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
.
Reporting and Analytics
(3 Yes /3 Known /15 Possible features)
Real-time Reporting
Instant reports on payment status, volume, and exceptions.
Yes - has this feature
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.
Yes - has this feature
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.
Yes - has this feature
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
.
Customization and Configurability
(0 Yes /0 Known /15 Possible features)
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
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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
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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
.
Scalability and Performance
(1 Yes /1 Known /15 Possible features)
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
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Maximum Concurrent Users
Total number of users who can operate simultaneously.
No information available
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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
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Elastic Scaling
Automatic scaling up/down with changing workload.
No information available
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Resource Utilization Monitoring
System monitors use of compute, memory, and storage resources.
No information available
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Transaction Processing Latency
Average time to process an individual payment.
No information available
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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.
Yes - has this feature
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
.
Deployment, Maintenance and Support
(5 Yes /5 Known /15 Possible features)
Cloud Deployment Option
Can be deployed in a private or public cloud environment.
Yes - has this feature
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.
Yes - has this feature
On-premise deployment for banks also well-documented
Hybrid Deployment Model
Supports operation across cloud and on-premise systems.
Yes - has this feature
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.
Yes - has this feature
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.
Yes - has this feature
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
.
Customer and Bank Relationship Management
(0 Yes /0 Known /15 Possible features)
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
.
Innovation and Future-proofing
(3 Yes /3 Known /15 Possible features)
API-first Architecture
System design ensures all functions are exposed as APIs.
Yes - has this feature
Open API-first system is a selling point; ACI developer portal confirms every function is API-exposed
AI/ML-driven Fraud Detection
Uses machine learning to detect evolving payment fraud patterns.
Yes - has this feature
AI/ML-based fraud detection in production as highlighted on product and corporate pages
Blockchain/Ripple Integration
Supports distributed ledger/payment rail connectivity.
Yes - has this feature
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.
No information available
.
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
.
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