One issuing solution for multiple payment types

A single issuing platform for all payment types, backed by cutting-edge security, flexible cloud-ready technology and multi-language, multi-currency, multi-institution capabilities

Quickly enable change
Use scripted logic tools to provide a secure authorization process

Reduce payment costs
Replace legacy systems with a modern, agile solution

Eliminate operational risks
Regain control, availability and time to market

Consolidate to personalize
Move authorization, switching, settlement and card management back under your control

How ACI Worldwide supports issuing

As a trusted global technology leader, ACI’s issuing solution helps maximize cost-efficiency by providing customers with componentized API-enabled systems with an articulated path to cloud-native environments.

Deployment options that fit your needs

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

Orchestrate Your Payments With Microservices

Enable channels, services, endpoints and integrations from a single control center to power your issuing needs.

Online Authorization Services

Flexible scripting for ATMs and point-of-sale (POS) devices for real-time authorization, prescreening and stand-in

Card and Account Management

Support and manage any card type, method or payments instrument

Clearing and Settlement

Connect to payment networks’ batch processing to generate settlement files and reconciliations

Integration and Orchestration

Define transaction flows, and manage custom endpoints and solution services

Immediate Payments

Provide validation and pre-authorization services for immediate payment transactions

Dispute Management

Automate the entire dispute process with intelligent workflows and connections to VROL and MCOM

Additional Services

Enhanced ATM Management
Implement next-generation ATM devices and enhanced branch automation

Loyalty and Rewards
Drive customer satisfaction with loyalty and rewards programs designed to engage and retain your customers

Fees and Billing
Sort billing files per transaction for efficient database searches and accurate fee and interest calculations

Token Management
Provide chip card personalization and TSP functionalities

Fraud Prevention
Reduce fraud losses and improve detection rates with community-based fraud signals and insight from expert risk analyst teams

The Modern Issuing Advantage

Extend your payments capabilities with ACI’s superior suite of software solutions.

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

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

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

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

Automated dispute manager
Streamline your dispute and adjustment process across all payment schemes with this advanced solution

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

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.