# Digital payments acceptance for merchant acquirers

Increase transaction volume and optimize margins with one simple, secure solution.

**Increase revenue**  
Offer billing services, accept new payment types and reduce cost per transaction

**Manage risk**  
Reduce false positives and stay compliant with PCI-SSF, strong customer authentication (SCA)

**Reduce operational costs**  
Process authorizations efficiently through a scalable transaction engine and rapid initial implementation.

## Acquiring for all channels and interfaces

Build and scale end-to-end payments from instant onboarding to global payouts.

Enable acquirers to define business rules and parameters.  
Allow approved merchant applications to be created, including complex hierarchies.  
Open new revenue streams for merchants.  
Identify patterns based on major credit card schemes — segment and build risk rules.  
Support large merchant hierarchies and cover multiple time zones by processing transactions several times a day.  
Pay merchants using net or gross options.  
Hold part of the settlement in reserve if needed.  
Maximize margins by selecting Interchange++ for accurate fee calculation while presenting transaction and non-transaction based fees in one bill.

## Customize your deployment

**Licensed software**  
Run it on premise or in the private/public cloud.

**SaaS**  
Simplify your payment applications as a managed service in the cloud.

**Hybrid**  
Leverage the best of both worlds by combining licensed software and SaaS into one solution.

### Ready for technical certification in only 100 days

Trust a modern, secure, reliable platform that delivers digital innovation and effortless global expansion to handle new payment types when entering new markets. A fully automated deployment into Microsoft Azure allows you to focus on your core business implementation.

### Modernize your payments experience

Centrally monitor and control your entire IT-based payments infrastructure.

- Gain real-time visibility, monitoring and analytics of transaction flows and systems.
- Deliver a flawless payments experience with reduced downtime.
- Turn data into intelligence with flexible reporting and deep insights.

Moneris Reduces Operating Costs While Providing Top-Tier Customer Service  
Read the Case Study

### The Acquiring Advantage

Securing payments acceptance for real-time payments.

- **ACI Connetic**  
Accept, transform, and transmit any payment, for any purpose, in any form, from any source in real time, all in one cloud-native platform.

- **Fast Start Acquiring**  
Achieve acquirer and sub-acquirer technical certification 100 days from contract to quickly enable new revenue streams and reduce ongoing implementation costs.

- **ATM and self-service banking**  
Complete, end-to-end ATM solutions for terminal handling and transaction acquiring and processing for integrated self-service and digital banking.

- **ACI Issuing**  
Single issuing platform for all cards, contactless, mobile and alternative payments and tokens, with global connectivity.

- **Digital central infrastructure**  
Deploy secure real-time payment rails, launch new payment methods and schemes with back-office management using a single, innovative infrastructure solution.

- **ACI Payments Monitoring**  
Integrated suite of advanced software products that provides in-depth monitoring and analysis of your payments transactions, applications and infrastructure.

- **ACI Fraud Management for Banking**  
Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers, and payment networks.

- **ACI Enterprise Payments Platform**  
Enabling banks, processors, national infrastructures and fintechs to rapidly respond to shifting trends, mandates and new competition across all lines of business and payment types.

- **Fraud scoring services**  
Effortlessly stay ahead of real-time fraud with a fully managed, automated fraud scoring service driven by ACI’s patented incremental learning capabilities deployed in the Microsoft Azure public cloud.

- **Consumer payment processing**  
End-to-end management of consumer payment instruments, banking channels and transaction processing for both cards and new digital payment types.

- **Real-time payments**  
Global real-time payment processing, origination, orchestration, fraud detection, connectivity, clearing, and settlement in one pre-packaged solution.

- **Machine learning**  
Enhance fraud detection and financial crime prevention with AI-driven, self-learning algorithms that ensure compliance with PCI DSS v4.0, AML, KYC, and sanction screening.

- **Fraud management in the cloud**  
Gain greater control of your fraud strategy with a cloud-based, fully managed fraud management solution.