Company Database - ACI Worldwide

Driving Real-Time Digital Transformation

ACI Worldwide powers digital payments and banking for more than 6,000 organizations around the world. We have more than 45 years of payments expertise and customers in 95 countries. We serve 19 of the top 20 banks worldwide and more than 80,000+ merchants directly and through payment service providers. More than 5,000 organizations use our electronic bill payment solutions and 1,500 banks, intermediaries and merchants prevent fraud with our solutions.

Target market
  • Merchants (retail, gaming and digital goods, travel, telcommunications, grocery, restaurants, fuel and convenience stores, hospitality) – merchant intermediaries/payment intermediaries,
    banking, consumer finance, insurance, government, higher education, healthcare.
  • Marketplaces
  • PSPs
  • Fintech
  • Banks
  • Brokers, crypto exhange, FX brokers

Contact details

Annett Van de Bunt, Director Marketing, Merchants Payments Solutions

Geographical presence


Year founded

Public listed company

License type
APM agnostic and acquirer independent

Member of industry association and/or initiatives
MRC, NRF, MAG, Vendorcom, EBA, US Faster Payments Council, Open Banking, ATMIA, CEPS/ECRI, InfraGard, IFX, NACHA, NSPO, PSR, SWIFT, US Payments Forum, Women in Payments

Service provider type

Core solution

ACI Worldwide serves the full payment ecosystem, processing and managing digital payments, managing fraud and risk for merchants, banks, and intermediairies.

The company enables omni-commerce payments through secure ecommerce and omni-commerce solutions, while also offering real-time multi layered fraud management, including machine learning.

Payment Service Provider – Gateway
Payments and fraud software solutions provider, powering electronic payments and currently serves more than 80,000 merchants; processing more than a billion transactions annually via our platform.

Payments Orchestration – Payments as a Service

ACI Worldwide provides pay-out/disbursements directly for banks and through partners for merchants. For banking, pay-out/disbursements without partners.

Financial Infrastructure
ACI Worldwide provides an acquirer agnostic solution

Payments Infrastructure
ACI Worldwide provides end-to-end payments and risk management services. ACI’s solution is white-label for Merchant Intermediaries, such as PSPs, ISOs, payment facilitators, ISVs, and acquirers, or can be used directly by merchants. It is a multi-language, multi-currency solution, which is connected to hundreds of local and cross-border acquirers and alternative payment methods across the globe.

B2B payments
ACI Worldwide offers ERP integration, onboarding, factoring, e-invoicing, and AP automation to lending and KYC

Cryptocurrency payments solution

ACI Worldwide offers a pre-certified POS solution with PAX, Oracle, and Elavon. It provides a standard ACI POS interface for vendors to integrate to ACI. mPOS – has an iOS and Android native mSDK – it will either run directly on an Android mPOS device or it will connect to an mPOS device.

Channels - context






Payments capabilities

Hosted pages


Whitelabel solution

Recurring billing
Yes. ACI Worldwide provides scheduled flexible installments for merchants to set up subscriptions and recurring payments with a wide variety of options including monthly, weekly and daily payments.

Payment methods supported

Yes. ACI Worldwide supports hundreds of acquirers and payment methods globally. For more details please click here

Settlement currencies
ACI Worldwide supports acquirers’ settlement currencies

Instant settlement
Collecting and settlement of all major APMs via best-in-class partners

Yes, including merchant omni-tokens. For more information please click here

Yes. With ACI Billpay services for USA only

Dynamic routing
Yes. ACI Smart Transaction Routing, part of the ACI Secure eCommerce Solution, is a comprehensive suite of routing solutions designed to help domestic and cross-border merchants and Merchant Intermediaries improve acceptance, conversion and payments performance in a cost-effective way. ACI Worldwide provides a portal to manage all the different MIDs that must be set up to manage the different routing options.

Intelligent routing/routing optimisation


ERP intergration


E-invoicing (automated)

Yes, with ACI billpay solution for the US only

Reconciliation and reporting

Yes. ACI has unified settlement reporting. A consolidated settlement report format across all acquirers and alternative payment service providers. We don't transfer money.


Supported by our connected partners




Consolidated data and reporting dashboard

Yes. The business intelligence functionality is available via a secure internet portal, accessible anywhere in the world with no local setup or software requirements, with full control in-real time.

Fraud and risk management capabilities

Chargeback management

Yes, integration to both VCR & MCOM and automated dispute management.

Fraud ratio PSD2/SCA

For Financial Institutions only, available with 30 banks.

Fraud and risk management partners

ACI Worldwide augments its fraud management solution with 3rd party partners like Arvato, Neustar, Targus, TransUnion, Ekata, Lexis Nexis, Emailage, Threatmetrix.

Financial and compliance capabilities

FX – number of currencies available

ACI Worldwide is not an acquirer/PayFac, but supports multi currency with secure ecommerce and omni-commerce solutions.

Virtual IBAN

Yes. ACI Worldwide supports virtual IBAN

Multi currencies Virtual IBAN

Yes. ACI Worldwide supports virtual IBAN

Current account/settlement




Instant settlement



Client onboarding (KYC/KYB)

ACI Worldwide helps to facilitate KYC


Main clients/references

More information available upon request

Case studies

For all ACI Worldwide case studies please click here.


Innovation Excellence award from Frost & Sullivan for eCommerce Fraud Prevention 2020 – IDC MarketScape: Worldwide Integrated Payment Platforms 2019-2020 – Frost & Sullivan 2019 Global Product Leadership award

Future Developments

More information available upon request

Transaction volume

225+ billion consumer transactions each year

Transaction value (USD/EUR)

USD 14+ trillion in payments and securities transactions daily