# 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.