ACI Financial Messaging

A purpose-built financial messaging platform for regional and mid-sized banks. Manage SWIFT MT, ISO 20022, SEPA, instant payments, and more from a single application without replacing your core systems.

Orchestrate every payment message, across every standard

Every standard, one platform:

  • SWIFT MT, ISO 20022 CBPR+, SEPA, T2/TIPS, and instant payments—all managed from a single application.

Deploy without disruption:

  • Go live alongside your existing infrastructure in months. No core payments system replacement. No forced cut-over.

Manage the complexity banks face today

Payment messaging standards aren’t converging, they’re multiplying. ISO 20022 alone comes in multiple flavors: CBPR+ for SWIFT, different structures for SEPA, T2 and TIPS, and domestic variants in markets around the world. SWIFT MT messages remain in active use through a long coexistence period. Instant payment schemes bring their own message formats and annual release cycles. Managing all of these from separate, fragmented systems creates operational risk, compliance exposure, and investigative complexity that grows every year.

ACI Financial Messaging brings every standard under one roof. A modular platform built specifically for regional and mid-sized banks that routes, converts, and governs all your payment messages, without requiring you to replace a single core system.

Handle every standard from one application

  • Translate natively between SWIFT MT and ISO 20022 without a third-party converter
  • Protect banking relationships by managing the SWIFT MT/MX coexistence period without forced cut-over
  • Receive annual standards updates delivered as standard ACI product updates including SWIFT mandates, SEPA scheme releases, and scheme rule changes
Messaging standard ACI Financial Messaging support
SWIFT MT All categories
ISO 20022 CBPR+ Native MT<>MX translation and coexistence management
SEPA/SEPA Instant SCT, SDD, SCT Inst, and annual scheme updates
T2/TIPS & domestic variants Eurosystem and national ISO 20022 flavors

Give your operations team total visibility

Unify all schemes with powerful search, automated message correlation, and full lifecycle traceability to reduce investigations from hours to minutes.

Fits your ecosystem. Runs on your infrastructure.

Deploy alongside your existing environment with flexible integration, modular architecture, and no forced change to core systems.

  • API‑first integration: REST APIs, message queues, and file-based connectivity to any core banking system
  • On‑premises deployment: Customer-managed installation keeps sensitive payments data fully under your control
  • Database agnostic: Compatible with SQL Server, Oracle, and MySQL
  • Modular by design: Activate only the schemes you need today, extend as requirements evolve
  • Standard technology stack: Java/Spring-based platform with Apache Tomcat support

Controls and governance built in as standard

Governance, audit, and standards management are embedded directly into the platform—no custom workflows or bolt-on tooling required.

  • Four‑eyes authorization: Mandatory dual approval for critical payment actions
  • Role‑based access control: Fine-grained permissions with full audit traceability
  • SWIFT LAU & PGP security: Message integrity and network compliance by default
  • AML integration via API: Simple connection to existing sanctions and screening platforms
  • Standards mandates managed by ACI: SWIFT, SEPA, and ISO 20022 updates delivered through the standard release cycle

Faster intelligence with embedded AI

An optional AI module adds advanced analytics and pattern discovery directly to your messaging operations, without exposing sensitive payment data.

  • Anomaly and trend analysis: Detect volume shifts, behavioral anomalies, and emerging patterns
  • Advanced transaction analytics: AI-generated insights that accelerate investigation and reduce manual analysis
  • Secure by design: All AI processing runs inside ACI’s deployment environment—no external models

Expand your banking capabilities

ACI Worldwide delivers payment solutions that enable banks, merchants, and billers to send and receive money in real time.

Related resources

Info Sheet
Banking
ACI’S SWIFT gpi solutions
Full gpi value tailored to your bank
Read Info Sheet

Blog Post
Banking
How SWIFT gpi will change the cross-border payments market
Read Blog Post

Case Study
Merchants
Unlocking €5M in annualized revenue through payments optimization
Read Case Study

Banking
How to meet ISO 20022 migration deadlines for Fedwire and Swift
Read More