ACI High Value Real-Time Payments

ACI High Value Real-Time Payments solution is a payments engine and transaction routing solution for wires, cross-border payments and RTGS transactions.

Enable least-cost, SLA-driven routing, multi-bank, multi-currency, 24×7 payment processing capabilities and seamless integration with multiple clearing and settlement mechanisms, with ACI’s global payments engine

Available in the deployment model of your choice: on premise, in the cloud, or as a managed service in ACI's own data centers.

Seamlessly Integrate

Leverage multi-bank, multi-currency and 24×7 payment processing capabilities in addition to multiple high-value payment clearing and settlement mechanisms, including RTGS, ACH/SEPA and deferred net settlement systems.

Achieve Real-Time Payments Modernization

Benefit from embedded business services including but not limited to:

• Transaction enrichment
• Liquidity management
• Batch processing
• Transaction inquiry
• Settlement and reconciliation
• Fraud and risk management
• Exceptions and case management.

Flexible, Global Payment Processing to Meet Every Need

Delivered as a set of independent business services that can be orchestrated to meet a variety of specific processing requirements.

• High-value payments to enterprise internal or external global messaging
• Packaged to service a range of business customers

Speed Up Cross-Border Payments

Industry-leading SWIFT gpi solution to enable you to quickly offer gpi services through an on-premise or cloud-based deployment.

• Fast, cross-border funds transfer with SWIFT gpi and Visa B2B Connect
• Flexibility, reliability, security and cost-efficiencies
• The proven solution supports around 9 percent of global SWIFT traffic and approximately 30 percent in the U.S.
• First certified vendor of SWIFT gpi solutions and a SWIFT partner for more than 20 years

Protect Your Existing Systems and Business Flows

Progress toward full real-time operations while supporting your existing systems and processes.

• Leverage end-to-end ISO 20022 capabilities including integration into non-ISO systems and canonical orchestration of messages
• Take full advantage of SWIFT gpi and Universal Confirmations for cross-border, real-time payments with complete SWIFT messaging capabilities
• Capitalize on open payments with pre-packaged APIs compliant with PSD2, U.K. Open Banking, Monetary Authority of Singapore API Framework and Australia’s Customer Data Right
• Ensure sensitive data management and compliance with customer controls via the third-party provider dashboard and management console

Engage Flexible Deployment Options

Choose between a licensed or SaaS model — or a hybrid approach — based on your business needs.

• SaaS offering for Wires and SWIFT payments in ACI’s own data centers for customers in the U.K., U.S. and Europe
• Utilize a licensed option to run and manage ACI software on your premises, in your private cloud or in the public cloud
• Leverage the SaaS model in the public cloud for quicker implementation

Gain Full SWIFT Enablement

Provide customers with a better experience for cross-border payments, drastically reduce your costs and compete more effectively with the deployment of your choice.

ACI is the first certified vendor of SWIFT gpi solutions and a SWIFT partner for more than 20 years. Be secure in the knowledge that you have an established and trusted SWIFT partner for your gpi needs.