# In-Store Merchant Payments

## Dynamic, digital in-store payments

Create brand confidence, promote loyalty and drive repeat in-store visits by giving customers safe, convenient digital payment options.

Connect to a large and growing global network of acquirers to reduce transaction fees.

Protect and remove cardholder data from payment systems for the highest levels of fraud prevention.

Orchestrate payment setup to reduce costs and improve customer experiences.

## Modernize your in-store checkout experience

Keep up with changing consumer demands for faster, secure checkout experiences by updating legacy point-of-sale (POS) and portable electronic device (PED) systems.

- **Leverage** existing hardware without purchasing new devices.
- **Software support** across PAX, Android, Apple, and other leading payment terminal providers.
- **Offer** popular alternative and emerging payment methods, including digital wallets, Venmo, Apple Pay, Alipay, WeChat Pay, Buy Now Pay Later, and QR code payments.
- **Accept** gift cards, private label, or loyalty cards with PEDs.
- **Enable** omnichannel interactions that begin online and are completed in-store.

## Gain a business advantage using multi-acquiring

Build an ideal network with the ability to freely move between acquirers to control operational costs, improve conversion rates, and enhance customer experiences.

- **Eliminate** vendor lock-in and service disruptions.
- **Optimize** rates and fees by combining local and global acquirers.
- **Avoid** transaction drop-offs and costly price changes.
- **Achieve** higher conversions using smart transaction routing.

## Protecting payments and merchant reputations

ACI provides [P2PE](https://www.aciworldwide.com/wp-content/uploads/2021/04/aci-point-to-point-encryption.pdf) and PCI-certified [validated point-to-point encryption](https://www.aciworldwide.com/wp-content/uploads/2021/04/aci-validated-p2p-encryption-with-asset-manager.pdf)(V2PE) capabilities that prevent payment data from being exposed, even when the data is intercepted or your system has been compromised.

- **Securely encrypt** payment card data at the point of interaction.
- **Safeguard** card data throughout the transaction process.
- **Reduce** the risk of usable cardholder data being stolen during transmission.
- **Protect** against the reputational damage of a breach.

## Explore More Solutions

ACI Worldwide offers a wide variety of industry-leading, award-winning solutions to support all types of in-store payments.

Design payment flows that connect to multiple payment providers and maximize customer conversions using ACI Worldwide’s payments orchestration platform.

A true payments orchestration platform with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods.

Gain greater flexibility and control over your acquiring relationships with ACI’s merchant payment offerings.

Reduce chargebacks, fraud, and false positives while increasing conversion with ACI’s machine-learning driven merchant fraud management.

Increase conversions with BNPL: credit acceptance rates of up to 85%, access to larger credit lines and a 0-40% greater spend with BNPL versus credit cards.

ACI Pay by Link provides you with secure payment links so you can maximize all of your channels — providing a seamless customer experience.

Adapt to the modern payments landscape with ACI Worldwide’s digital and mobile wallet solutions.

Accept cryptocurrency payments from around the world and get next-day settlement with ACI Zero-Fee Crypto.

## Related resources

In the past 12-18 months, there has been monumental change in the way that customers interact with merchants, with no sector or vertical left untouched. [Read Blog Post](https://www.aciworldwide.com/blog/new-customer-journeys-and-merchant-payments-innovation-qa-with-ikea-retail-and-vw-payments)

The superheroes of PCI compliance – Point-to-Point Encryption (P2PE) and Tokenization – serve to protect sensitive payments data in flight, or at rest in merchants’ databases. But tokenization has some additional superpowers, beyond protecting payments, which all omni-channel merchants should know about. [Read Blog Post](https://www.aciworldwide.com/blog/protecting-payments-with-point-to-point-encryption-p2pe-and-tokenization)

The mobile app market is predicted to generate up to USD $950 billion by 2023. Merchants must have a mobile app to take full advantage of this growth, but so does everyone else. [Read Blog Post](https://www.aciworldwide.com/blog/making-your-mobile-app-more-engaging)