# Real-time payments processing Enable banks and processors to connect to all real-time global schemes and deliver value-added services to their customers **Grow market share** Capture the rapidly growing volume and value of real-time payment transactions **Attract and retain customers** Meet new customer expectations for real-time payments and experiences, 24/7/365 **Simplify payment systems** Support multiple global schemes and add-on capabilities from a single implementation ## Prepare for real-time and digital payments growth Leverage a complete, end-to-end solution for real-time and digital payments to prepare for growth in transactions and revenues. **Combine** origination, processing, orchestration, clearing and settlement, fraud detection, and connectivity capabilities — all on a single platform **Trust** in a highly scalable, fault-tolerant, proven solution ## Launch value-added services Rapidly launch value-added services with built-in [open banking capabilities](https://www.aciworldwide.com/solutions/digital-overlay-services). **Offer contactless and secure QR code payments**, including merchant-initiated payments using dynamic QR codes **Integrate end-to-end bill payments globally** with self-service portals and onboarding processes **Simplify integration for merchant mobile applications**, including support for [Request to Pay (RtP)](https://www.aciworldwide.com/request-to-pay) **Provide added security** with flexible person-to-person (P2P) payment services based on proxy/alias **Enable [digital payment overlay services](https://www.aciworldwide.com/what-are-digital-payments-overlay-services)** for liquidity management, ERP integration, invoice and accounts payable management, P2P payments, account-to-account payments, PoS, ePoS, and more through ACI’s partnership with Mindgate. ## Build a real-time business Gain additional business functionality to support your organization’s high-volume, data-rich digital payments ecosystem. **Feature** stand-in authorization, liquidity management, batch processing, transaction warehouse, transaction reconciliation, and case management **Support Request to Pay (RtP)**, Person-to-Person (P2P), and recurring payments **Leverage complete capabilities for real-time payments**, including real-time balance, [fraud management for real-time fraud prevention](https://www.aciworldwide.com/solutions/real-time-payments-fraud-prevention), and front-end digital overlay capabilities **Integrate** into any other banking system and data to create a single customer view across the institution ## Trust a proven solution ACI currently supports 18 real-time domestic schemes around the world, including FedNow, Zelle, and TCH in the U.S. **Approximately** 50 percent of the U.K.’s Faster Payments (UKFP) and [75 percent of Hungary’s GIRO transactions](https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-and-partners-capsys-and-t-systems-power-majority) are processed through [ACI Enterprise Payments Platform](https://www.aciworldwide.com/solutions/aci-enterprise-payments-platform) **Utilize** the same core processing infrastructure as [Malaysia’s Real-time Retail Payments Platform (RPP)](https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-powers-successful-launch-duitnow-real-time), and STET’s real-time payments platform for PSPs in Europe **Customers using real-time payments capabilities** to access Singapore FAST and the Australian NPP (New Payments Platform) ## Benefit from flexible deployment options Choose between a licensed or SaaS model — or a hybrid approach — based on your business needs. **Offer real-time Software as a Service** in ACI’s own data centers for customers in the U.K., U.S. and Europe **Lower operational costs** via economies of scale and a shared access approach **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 ## Modernize your payments experience A single solution to centrally monitor and control your entire IT-based payments infrastructure. - Gain real-time visibility, monitoring, and analytics of transaction flows, systems, and queue statuses - Turn data into intelligence with flexible reporting and deep insights for different departments - Deliver a flawless payments experience with reduced downtime ## Real-time ready ACI Worldwide delivers payment solutions that enable banks, merchants and billers to send and receive money in real time ### 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 ### ACI Issuing Single issuing platform for all cards, contactless, mobile and alternative payments and tokens, with global connectivity ### ACI Acquiring Enhance your acquiring business with a highly customizable solution that will transform your merchant experience ### Consumer payment processing End-to-end management of consumer payment instruments, banking channels and transaction processing for both cards and new digital payment types ### Digital overlay services Gain full value from your digital payments solution, drive new revenues and rapidly bring innovative payment offerings and value-added services to market ### 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 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.