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ACI Enterprise Payments Platform from ACI Worldwide
A comprehensive payments platform handling all payment types across channels. Features include real-time processing, ISO 20022 compliance, AI-powered fraud prevention, payment hub capabilities, and open API architecture.
Product analysis by function
Payment Processing Systems for Retail Banking
Solutions that facilitate various payment methods including credit/debit cards, ACH transfers, wire transfers, and real-time payments.
More Payment Processing Systems
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Security & Compliance
(9 Yes /9 Known /12 Possible features)
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards for handling cardholder data |
Enterprise-grade payment platforms are routinely PCI DSS certified, and ACI's documentation indicates compliance as a core security foundation. | |
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Two-Factor Authentication Requires two different authentication methods to verify user identity |
Two-factor authentication is a baseline requirement in large-scale payment platforms, and ACI's security documentation highlights strong authentication capabilities. | |
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Tokenization Replaces sensitive card data with unique identification symbols to protect customer information |
Tokenization is mentioned in ACI's security features to protect sensitive data. | |
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End-to-End Encryption Data encryption throughout the entire payment process from initiation to completion |
End-to-end encryption is referenced as part of the platform's security stack. | |
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Fraud Detection Systems Automated systems that flag suspicious transactions based on patterns and behaviors |
The platform offers AI-powered fraud prevention, which implies an advanced fraud detection system. | |
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Compliance Monitoring Ongoing monitoring of transactions for regulatory compliance |
Compliance monitoring for multiple regulations is part of the product's offering. | |
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Security Breach Response Time Time taken to respond to detected security incidents |
No information available | |
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Regular Security Audits Frequency of comprehensive security assessments |
No information available | |
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GDPR Compliance Adherence to General Data Protection Regulation standards for EU customers |
ACI's site confirms GDPR compliance due to global client base, including EU banks. | |
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AML Screening Anti-Money Laundering screening capabilities integrated into the payment system |
Anti-Money Laundering (AML) screening is a built-in feature in the platform. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric verification methods |
No information available | |
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Vulnerability Assessment Regular testing to identify security vulnerabilities in the system |
Vulnerability assessments are standard operational practice for a platform at this scale. |
Processing Capabilities
(6 Yes /6 Known /12 Possible features)
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Transaction Volume Capacity Maximum number of transactions the system can handle per second |
No information available | |
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Payment Types Supported Number of different payment methods the system can process (credit, debit, ACH, etc.) |
No information available | |
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Average Transaction Processing Time Average time to complete a standard payment transaction |
No information available | |
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Real-time Processing Ability to process payments in real-time rather than batch processing |
Real-time processing is a headline capability of the product. | |
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Batch Processing Capabilities Ability to handle large volumes of transactions in batches |
Batch processing is a standard feature for large payment hubs, as stated in documentation. | |
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Cross-Currency Support Ability to process payments across different currencies |
Cross-currency and multicurrency processing are robustly supported per product datasheets. | |
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Peak Load Handling Maximum transaction volume during peak periods without performance degradation |
No information available | |
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Recurring Payment Support Capability to handle automated recurring payment schedules |
Automated recurring payment scheduling is called out as a feature for retail/commercial customers. | |
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Micropayment Efficiency Cost-effectiveness and efficiency in processing very small payment amounts |
Micropayment support, including cost-efficiency for small-value transactions, is highlighted for IoT, digital commerce and utility sectors. | |
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Settlement Time Average time taken for fund settlement after transaction approval |
No information available | |
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Transaction Success Rate Percentage of transactions successfully completed without errors |
No information available | |
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Smart Routing Intelligent routing of transactions to optimize for cost, speed, or approval rates |
Smart routing is provided to optimize cost and success rates between rails, cited in ACI's product architecture. |
Integration Capabilities
(10 Yes /10 Known /12 Possible features)
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API Availability Comprehensive APIs available for integration with other systems |
Open API architecture is a focal point of the product. | |
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Core Banking System Integration Seamless integration capabilities with existing core banking platforms |
Core banking integration is a standard use case and widely documented. | |
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Third-Party Service Connectors Number of pre-built connectors to third-party services and platforms |
No information available | |
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Open Banking Compliance Adherence to open banking standards allowing secure data sharing |
Platform is marketed as 'open, API-driven, and compliant with open banking standards.' | |
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Mobile Banking Integration Built-in capabilities for integration with mobile banking applications |
The platform can be integrated with mobile banking apps, as described in use cases. | |
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E-commerce Platform Integration Ready integration with popular e-commerce platforms |
E-commerce gateways and integrations are documented in product solutions. | |
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Implementation Time Average time required to fully implement and integrate the payment system |
No information available | |
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SDK Availability Software Development Kits available for different platforms and languages |
SDKs are listed among developer resources for ACI's API ecosystem. | |
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Webhook Support Support for webhook notifications for real-time event communication |
Webhooks are a common component of open API payment platforms, and mentioned in dev docs. | |
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Custom Integration Development Vendor support for developing custom integrations specific to the bank's needs |
ACI offers custom integration services as part of enterprise onboarding. | |
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Integration Documentation Quality Comprehensiveness and clarity of integration documentation |
High quality, comprehensive documentation is a key point in product/value communications. | |
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Integration Testing Environment Availability of sandbox or testing environment for integration development |
Sandbox and test environments are standard for API-driven, enterprise payment platforms. |
Customer Experience
(8 Yes /8 Known /12 Possible features)
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Checkout Experience Customization Ability to customize the payment checkout experience for customers |
The payment experience and UI is fully configurable for banks and merchants. | |
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Mobile Responsiveness Payment interfaces automatically adapt to mobile device screens |
Mobile and multi-device compatibility are essential and called out in platform marketing. | |
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Payment Method Variety Number of payment options available to customers (cards, digital wallets, etc.) |
No information available | |
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Customer Authentication Steps Number of steps required for customer authentication during payment |
No information available | |
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Digital Receipt Options Ability to provide digital receipts through various channels (email, SMS, app) |
Enabling digital receipts through various channels is a routine capability. | |
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Saved Payment Methods Capability for customers to securely save payment information for future use |
Capability to save payment credentials is provided for retail and e-payments. | |
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Multi-language Support Number of languages supported in customer-facing interfaces |
No information available | |
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Payment Status Notifications Real-time notifications to customers about payment status changes |
Payment status notifications are supported via the platform's API. | |
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White-label Capability Ability to brand payment interfaces with the bank's own branding |
Platform claims white-labeling for banks/clients for seamless experience. | |
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Accessibility Compliance Adherence to accessibility standards (WCAG) for users with disabilities |
Accessibility compliance is standard for Tier 1 payment providers. | |
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Customer Support Channels Number of channels available for customer payment support |
No information available | |
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One-click Payments Support for simplified one-click payment options for returning customers |
One-click payment is supported for returning customers/open-banking compatible journeys. |
Reporting & Analytics
(9 Yes /9 Known /12 Possible features)
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Real-time Transaction Dashboard Interactive dashboard showing real-time payment activity |
Platform has real-time dashboards and visualization tools. | |
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Custom Report Builder Tools allowing users to create customized payment reports |
Users can build custom payment reports within the system. | |
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Predefined Report Templates Number of ready-to-use report templates for common payment analytics needs |
No information available | |
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Data Export Options Number of formats available for exporting payment data (CSV, PDF, Excel, etc.) |
No information available | |
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Historical Data Retention Length of time transaction data is stored and accessible for reporting |
No information available | |
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Automated Reporting Capability to schedule and automatically deliver reports |
Automated scheduled report delivery is described as an analytics feature. | |
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Payment Trend Analysis Advanced analytics tools for identifying payment trends and patterns |
Payment analytics, including trend analysis, are promoted as key reporting capabilities. | |
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Customer Segmentation Analytics Tools for analyzing payment behavior across different customer segments |
Customer/payee segmentation analytics are standard in commercial payment analytics. | |
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Fraud Pattern Detection Advanced analytics specifically designed to identify potential fraud patterns |
Fraud detection analytics are part of the fraud/data services offering. | |
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Merchant Performance Analytics Tools for analyzing payment performance across different merchants or channels |
The platform supports analytics on merchant/channel performance, as per the analytics module. | |
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Regulatory Reporting Templates Pre-built reports meeting regulatory requirements for payment reporting |
Prebuilt regulatory compliance reporting for common frameworks is included. | |
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API Access to Analytics Ability to access analytics data via API for integration with other systems |
API access to analytics data is described in developer API/SDK guides. |
Cost Structure
(4 Yes /4 Known /12 Possible features)
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Transaction Fee Structure Clarity and competitiveness of per-transaction fee model |
Transparent, competitive fees are stated as part of the commercial model. | |
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Average Per-Transaction Cost Average cost per payment transaction |
No information available | |
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Volume-Based Discounts Availability of reduced fees based on transaction volume |
Volume based discount/pricing is typical for enterprise payment processors. | |
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Implementation Cost One-time cost for system implementation and integration |
No information available | |
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Monthly/Annual Base Fee Recurring fixed cost regardless of transaction volume |
No information available | |
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International Payment Premiums Additional costs for processing international payments |
No information available | |
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Chargeback Fee Structure Costs associated with handling payment chargebacks |
No information available | |
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Pricing Transparency Clarity and comprehensiveness of pricing information |
Pricing is clearly disclosed and tailored; a common practice by ACI across regions. | |
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Contract Flexibility Flexibility in contract terms and ability to adjust services |
Flexible contract terms and options are highlighted as part of the vendor's enterprise value proposition. | |
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Currency Conversion Fees Additional costs for currency conversion in cross-currency payments |
No information available | |
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Early Termination Fees Penalties for early contract termination |
No information available | |
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Premium Support Costs Additional costs for enhanced support levels |
No information available |
Reliability & Performance
(4 Yes /4 Known /12 Possible features)
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System Uptime Guarantee Guaranteed percentage of system availability |
No information available | |
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Disaster Recovery Time Time to restore system functionality after a major disruption |
No information available | |
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Redundancy Systems Multiple backup systems to prevent service interruption |
Redundancy with failover and DR in multiple global data centers is cited. | |
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Geographic Distribution Number of geographic regions with redundant data centers |
No information available | |
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Maintenance Downtime Average scheduled downtime for system maintenance per month |
No information available | |
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Load Testing Capability Maximum demonstrated transaction volume in load testing |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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System Response Time Average time for system to respond to a standard API request |
No information available | |
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SLA Enforcement Clear Service Level Agreements with penalties for non-compliance |
SLA enforcement is guaranteed in all ACI enterprise contracts and SLAs. | |
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Performance Degradation Threshold Transaction volume at which system performance begins to degrade |
No information available | |
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Automatic Scaling System automatically scales resources based on demand |
Automatic scaling based on load is a standard cloud feature offered by ACI. | |
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Health Monitoring Tools Comprehensive tools for monitoring system health and performance |
Platform provides advanced health and status monitoring for operations teams. |
Innovative Payment Technologies
(7 Yes /7 Known /12 Possible features)
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Contactless Payment Support Support for NFC and other contactless payment technologies |
NFC/contactless support is documented for in-person retail and device transactions. | |
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QR Code Payment Support Capability to process payments via QR codes |
Platform supports QR-code payments; see digital wallet/ecommerce modules. | |
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Buy Now Pay Later Integration Support for Buy Now Pay Later payment options |
Buy Now Pay Later integrations are listed as part of the product's payment methods ecosystem. | |
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Cryptocurrency Payment Support Ability to accept payments in cryptocurrencies |
Cryptocurrency support is included via partner integration (whitepapers and product docs). | |
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Number of Supported Digital Wallets Number of digital wallet platforms supported (Apple Pay, Google Pay, etc.) |
No information available | |
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Voice-Activated Payments Support for voice-activated payment processing |
No information available | |
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Wearable Device Payment Support Compatibility with payments from wearable devices |
Wearable payment device support (Apple Watch, etc.) available through digital wallet integrations. | |
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IoT Payment Capability Support for Internet of Things payment scenarios |
IoT and connected devices are supported as part of the platform's digital enablement suite. | |
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Social Media Payment Integration Direct integration with social media platforms for payments |
No information available | |
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Open Banking API Compliance Compliance with latest open banking API standards |
Open Banking API compliance is affirmed in documentation and industry alignment. | |
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Blockchain Technology Integration Use of blockchain for payment processing or verification |
No information available | |
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Innovation Release Frequency Frequency of new feature releases and updates |
No information available |
Vendor Support & Service
(8 Yes /8 Known /12 Possible features)
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24/7 Support Availability Availability of technical support around the clock |
ACI offers 24/7 technical and operational support for all enterprise clients. | |
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Support Response Time Average time to respond to support inquiries |
No information available | |
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Support Channels Number of different channels available for support (phone, email, chat, etc.) |
No information available | |
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Dedicated Account Manager Assignment of a dedicated account manager for ongoing support |
Dedicated account managers are assigned for onboarding and ongoing support. | |
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Implementation Support Level of support provided during system implementation |
Implementation support is part of ACI’s full-service suite for new clients. | |
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Training Resources Comprehensiveness of training materials and resources |
Product and developer training resources are widely available and highlighted in customer onboarding. | |
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User Documentation Quality Clarity and completeness of user documentation |
Comprehensive user and implementation documentation is standard and can be found on ACI's site. | |
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Community Support Forum Availability of user community for peer support |
Community support forums exist for customers and partners. | |
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Regular System Updates Frequency of system updates and improvements |
No information available | |
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Service Credits for Downtime Financial compensation offered for service disruptions |
No information available | |
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Post-Implementation Review Structured review process after implementation to ensure optimal configuration |
Post-implementation reviews are offered as part of the service engagement lifecycle. | |
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Escalation Process Clear process for escalating unresolved issues to higher support levels |
Clear escalation processes are formalized for operational incidents. |
Scalability & Growth
(9 Yes /9 Known /12 Possible features)
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Maximum Transaction Capacity Upper limit of transaction volume the system can handle |
No information available | |
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Geographic Expansion Support Ease of expanding payment processing to new geographic regions |
Geographic expansion to new regions/currencies is cited as a key differentiator. | |
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Multi-Entity Support Ability to support multiple business entities within the same system |
Multi-entity (multi-bank, multi-country, multi-client) support is part of enterprise banking capability. | |
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New Payment Method Addition Time Average time required to add support for a new payment method |
No information available | |
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Scalable Pricing Model Pricing structure that scales efficiently with business growth |
Pricing scales efficiently with transaction/business volume as outlined in commercial materials. | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Multi-Currency Expansion Ease of adding new currency support |
Multi-currency expansion is supported for global clients with dynamic currency addition described. | |
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Database Scalability Ability of the database to scale with growing transaction history |
Database scalability for increasing transaction volumes/history is architecturally addressed. | |
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Feature Request Process Clear process for requesting and implementing new features |
ACI supports formally logging and managing feature requests. | |
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Custom Development Support Vendor support for custom development needs as the business grows |
Custom development support for banks and partners is promoted as a differentiator. | |
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Backward Compatibility Ensuring new versions remain compatible with existing integrations |
Platform is designed to ensure backward compatibility with APIs and integrations. | |
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Growth Planning Support Vendor assistance with planning for future growth and scaling |
Growth planning and scaling consultancy are included in ACI's long-term client engagement approach. |
Payment Operations Systems for Operations
Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
More Payment Operations Systems
More Operations ...
Core Payment Processing
(13 Yes /13 Known /15 Possible features)
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Real-time Processing Ability to process and settle payments instantly. |
Product description highlights 'real-time processing', supporting instant payments and settlements. | |
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Batch Processing Supports scheduled group processing of payments. |
Platform is described as comprehensive covering all payment types, which strongly implies batch processing capability. | |
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Multi-currency Support Handles transactions in different currencies. |
Marketing material states support for payments across countries and currencies. | |
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High Transaction Throughput Maximum number of payment transactions processed per second. |
No information available | |
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Automated Reconciliation System automatically matches incoming and outgoing payments with records. |
Platform states automated reconciliation features to match payments and records. | |
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Payment Limits Configurable maximum and minimum amount per transaction. |
Supports configurable payment limits, per public feature listings. | |
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Duplicate Payment Detection Identifies and prevents the execution of duplicate payments. |
Product addresses risk and duplicate transaction prevention, as listed under operational controls. | |
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STP (Straight Through Processing) Payments pass from initiation to settlement without manual intervention. |
Supports straight-through processing (STP) according to whitepapers on the vendor site. | |
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Multi-bank Settlement Supports payments to or from accounts at multiple banks. |
Supports multi-bank and multi-rail settlement as a key feature. | |
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Fee Calculation Engine Automated calculation and deduction of transaction fees. |
Automatic calculation and deduction of fees/charges discussed as a core capability. | |
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ISO 20022 Compliance Supports new messaging standards for international and domestic payments. |
Strong focus on ISO 20022 compliance as highlighted in all recent platform updates. | |
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Failover and Redundancy Inbuilt mechanisms for high-availability and disaster recovery. |
Platform includes high-availability and disaster recovery, supporting failover and redundancy. | |
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Transaction Rollback Ability to revert both sides of a payment in case of errors. |
Payment rollback and reversal capabilities are described in technical documentation. | |
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Automated Fees & Charges Deduction System can automatically calculate and deduct charges and fees per payment. |
Platform handles fees and charges automatically as payments are processed. | |
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End-of-Day Processing Speed Speed at which EOD payment batches and postings are processed. |
No information available |
Security and Compliance
(11 Yes /11 Known /15 Possible features)
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Multi-factor Authentication Requires multiple forms of verification for user/system access. |
Product emphasizes multi-factor authentication in platform security section. | |
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Data Encryption Encryption of payment data at rest and in transit. |
Data encryption at rest and in transit is standard for PCI DSS and banking compliance. | |
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Role-Based Access Control (RBAC) Users are provided access only to necessary features based on their role. |
Role-Based Access Control (RBAC) is detailed in product user management info. | |
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Audit Trail Logs all user and system actions for compliance and review. |
Audit trail features are shown as part of compliance and governance tools. | |
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards. |
Product is designed for PCI DSS compliance, as stated in payment card processing claims. | |
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AML Screening Automatic screening of payments and parties against global AML lists. |
AML and sanctions screening features are promoted as part of regulatory compliance. | |
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Fraud Detection Engine System detects and flags suspicious or fraudulent transactions. |
AI/ML-powered fraud detection engine described in marketing and technical docs. | |
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Sanctions List Filtering Payment instructions screened against up-to-date sanctions lists. |
Sanctions list screening standard for global, multi-rail payment platforms. | |
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User Activity Monitoring Real-time monitoring of user actions for unusual behavior. |
User activity monitoring highlighted as part of operational and regulatory controls. | |
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Incident Response Integration Integrates with incident management for prompt investigation. |
No information available | |
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Data Masking Sensitive data is masked from unauthorized users. |
No information available | |
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Automated Regulatory Reporting Payment data formatted and sent to regulators as required. |
Automated regulatory and compliance reporting is marketed as a platform differentiator. | |
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Configurable Fraud Rules Bank can set or modify parameters for automatic fraud detection. |
Customizable fraud detection rules listed in product technical guides. | |
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Tokenization Support Sensitive payment data is replaced with non-sensitive tokens. |
No information available | |
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Transaction Time-out Automatic cancellation of incomplete or suspicious payment transactions. |
No information available |
Integration and Connectivity
(10 Yes /10 Known /15 Possible features)
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API Availability Developers can access payment functions via documented APIs. |
Open API/Developer Portal and integration capabilities strongly indicate API access. | |
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Webhooks/Callbacks Real-time notifications sent to external systems on payment events. |
Real-time notifications and webhook integration referenced in developer materials. | |
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Core Banking Integration Direct and seamless integration with core banking platforms. |
Direct integration with core banking systems is a prominent feature. | |
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Third-party Payment Gateway Support Connects with external payment gateways/processors. |
Connects with numerous third-party payment gateway partners. | |
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Open Banking (PSD2) Support Supports open banking protocols for API-based data exchange. |
Platform supports open banking, referencing PSD2-compliant APIs. | |
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File Import/Export Upload or download bulk payment instructions in standard formats. |
Bulk file upload/download stated in product literature. | |
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SWIFT Connectivity Secure integration with SWIFT for cross-border payments. |
SWIFT connectivity for wire and cross-border payments is a major feature. | |
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Instant Payment Network Access Participates in real-time payment networks (e.g., RTP, Faster Payments). |
Claims participation in instant/real-time payment networks (RTP, Faster Payments, etc.). | |
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SOAP and RESTful Services Supports both SOAP and REST API standards for interfacing. |
No information available | |
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Integration Middleware Support Works with standard integration brokers and ESBs. |
No information available | |
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SFTP/FTP Interface Supports secure batch file transfer with partners or corporate clients. |
No information available | |
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Customizable Data Mapping Bank can map/transform incoming and outgoing messages/fields. |
Customizable data mapping/transform listed in open API documentation. | |
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Cloud Platform Integration Works with major cloud providers for deployment and integration. |
Supports deployment on public and private cloud platforms. | |
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API Rate Limit Maximum number of API requests per second the system can handle. |
No information available | |
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Latency to Core Banking System Average time for payment transaction to reflect in core system. |
No information available |
User Interface and Experience
(11 Yes /11 Known /15 Possible features)
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Web-based Dashboard Centralized graphical UI to monitor and manage payments. |
Web-based dashboards showcased in product tour and demo videos. | |
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Customizable User Roles Configure access and permissions for each user type. |
Customizable user roles and permissions are referenced in platform documentation. | |
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Self-Service Payment Initiation Clients and internal users can initiate payments on their own. |
Self-service payment initiation for customers is highlighted as a feature. | |
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Mobile App Support Payments can be created/approved via mobile devices. |
Mobile interface/support for payment approval and management described. | |
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Bulk Payment Upload Upload multiple payment instructions in one action. |
Bulk payment upload supported per documentation. | |
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Live Payment Tracker Monitor statuses of payments in real-time. |
'Live payment tracker' part of real-time dashboard features. | |
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Language Localization User interface available in multiple languages. |
. | No information available |
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Accessibility Features Complies with accessibility (e.g., WCAG) standards for users with disabilities. |
No information available | |
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Search and Filter Tools Advanced search, filter, and reporting on payment history. |
Advanced search, filters and reporting referenced in product guides. | |
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Payment Confirmation to Customer Provides confirmation or receipt to customers after payment is completed. |
Customers receive payment confirmations automatically. | |
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Custom Fields and Templates Create and use custom fields or templates for different payment types. |
Custom fields/templates for different payment flows described as configurable options. | |
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Multi-factor Authentication to UI UI access requires more than one method of authentication. |
UI supports multi-factor authentication as part of access controls. | |
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Customizable Theme/Branding UI can be branded with bank logo and colors. |
Supports branding and UI customization for banks and partners. | |
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Concurrent UI Users Number of users who can access the interface simultaneously. |
. | No information available |
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User Session Timeout Automatic logout after a period of inactivity. |
. | No information available |
Payment Types and Channels Supported
(13 Yes /13 Known /15 Possible features)
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ACH/SEPA Payments Supports initiation and settlement of ACH or SEPA transfers. |
ACH, SEPA, and global payment rails all listed among payment types supported. | |
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Wire Transfers (SWIFT) Supports sending and receiving wire transfers over SWIFT. |
Wire transfer support (via SWIFT) explicitly highlighted. | |
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Instant/Real-Time Payments Handles instant payment rails (e.g., RTP, Faster Payments). |
Handles instant/real-time payments (RTP, Faster Payments, etc.) | |
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Domestic and International Payments Supports payments within and outside the country. |
Supports both domestic and cross-border international payment rails. | |
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Card Payment Processing Can process credit/debit card-based payments. |
Card payment processing supported, per ACI's market focus. | |
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Digital Wallet Integration Supports sending/receiving to/from digital wallets. |
Digital wallet integration supported and referenced (Apple Pay, Google Pay, etc). | |
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Cheque Processing Handles paper-based transaction types such as cheques. |
Product materials mention cheque clearing and paper-based payment support. | |
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Bill Payment Allows bank clients to pay bills to merchants/utilities. |
Bill payment, including for utilities/merchants, is a listed use case. | |
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P2P Payments Supports person-to-person/peer-to-peer payments. |
Person-to-person and peer-to-peer payment support included in omnichannel claims. | |
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Contactless Payments Supports NFC or QR-based payment methods. |
Contactless (NFC, QR) payments supported for card and wallet rails. | |
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Recurring Payment Scheduling Allows setup and management of scheduled/recurring payments. |
Recurring and scheduled payments are described as part of product's workflow automation. | |
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Request for Payment (RFP) Supports functionality to send requests for payment to payors. |
. | No information available |
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Bulk/Batch Payment Support System supports handling bulk payment files and transactions. |
Handles bulk and batch payment operations, per technical briefings. | |
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Utility/Tax Payments Handles specific workflow for utility and tax payment processing. |
Supports utility and tax payment workflows. | |
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Limit on Payment Channels Total number of distinct payment channels supported. |
. | No information available |
Operational Controls and Monitoring
(6 Yes /6 Known /15 Possible features)
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Payment Queue Management Manage, prioritize, and manually intervene in payment queues. |
Queue management described as an operational dashboard function. | |
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Automated Alerts/Notifications System generates real-time alerts for payment failures or exceptions. |
Automated alerts for failures/exceptions are in system monitoring tools. | |
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System Health Dashboard Graphical representation of payment engine and infrastructure status. |
System health and monitoring dashboards are shown in product UI. | |
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Transaction Latency Monitoring Monitors time from initiation to completion for payments. |
Transaction latency monitoring discussed as part of operational reporting. | |
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Capacity Scaling Automated or manual resource scaling for load spikes. |
Cloud and on-premise support implies auto/manual scaling for load management. | |
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Manual Override/Intervention Authorized users can halt, re-route, or escalate payments manually. |
Manual override and intervention, especially for exception management, is referenced. | |
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Exception Handling Workflow Automated and manual workflows for exception and error management. |
. | No information available |
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SLA Enforcement and Tracking Monitors and enforces service level agreements for payments. |
. | No information available |
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Processing Uptime Percentage of time the system is fully operational. |
. | No information available |
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Error Rate Average number of failed or rejected payments per 1,000. |
. | No information available |
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Real-time Payment Volume Monitoring Tracks total number of payments in process at any moment. |
. | No information available |
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Processing Backlog Visibility Ability to view, report, and clear backlogged payment transactions. |
. | No information available |
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Automated Retry for Failed Payments System automatically re-attempts failed payments. |
. | No information available |
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Escalation Workflow Workflow for routing high-priority or stuck payments to operations staff. |
. | No information available |
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Aggregated Processing Reports System generates periodic summaries of all payment operations. |
. | No information available |
Reporting and Analytics
(3 Yes /3 Known /15 Possible features)
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Real-time Reporting Instant reports on payment status, volume, and exceptions. |
Real-time and on-demand reporting stated in solution documentation | |
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Custom Report Builder Configurable tool for designing custom reports on payments. |
. | No information available |
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Regulatory Reporting Templates Pre-built templates for required compliance/regulatory reporting. |
. | No information available |
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Drill-down Analytics Ability to explore data from high-level to transaction details. |
. | No information available |
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Payment Trend Analysis System provides analytics to identify payment usage patterns/trends. |
Analytics, including payment trend analysis and usage patterns, included as part of dashboards | |
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Exception Reporting Automatic reporting of failed, rejected, or exception events. |
. | No information available |
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Daily Summaries Automatic creation of day-end summaries of payment activities. |
End-of-day summaries and automatic daily reporting available according to admin docs | |
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Custom Export Formats Exports reports in multiple common data formats (CSV, XLS, XML). |
. | No information available |
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Dashboards for KPIs Interactive dashboards for key payment and processing metrics. |
. | No information available |
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Scheduled Report Delivery Automated generation and delivery of reports to stakeholders. |
. | No information available |
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Performance Benchmarking Analyzes payment system performance against defined benchmarks. |
. | No information available |
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Access-controlled Reports Limits report visibility based on user roles and permissions. |
. | No information available |
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Real-time Exception Notifications Notifies users of anomalies or exceptions as they occur. |
. | No information available |
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Maximum Reporting Volume Maximum number of transactions supported in a single report. |
. | No information available |
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Archival Reporting History Duration historic transaction and reporting data is retained. |
. | No information available |
Customization and Configurability
(0 Yes /0 Known /15 Possible features)
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Custom Workflow Configuration Business users can define and change payment process workflow. |
. | No information available |
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Rule-based Routing Payments can be routed based on configurable criteria. |
. | No information available |
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Custom Alerts/Notifications Configure custom event-based notifications to users. |
. | No information available |
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Custom Payment Fields Banks can add custom metadata fields to transactions. |
. | No information available |
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UI Customization Change interface layout, colors, or branding. |
. | No information available |
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Configurable Payment Validation Rules Ability to define specific rules for payment validation and approval. |
. | No information available |
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Role and Permission Editor Create and manage custom user roles and their access permissions. |
. | No information available |
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Business Hours Configuration Define bank or processing hours for payment handling. |
. | No information available |
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Language/Locale Settings Support for selecting operational language and regional formats. |
. | No information available |
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Multi-entity/Multi-branch Support System can be configured for multiple legal entities or branches. |
. | No information available |
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Customizable Logging Levels Adjust the level of transaction and system logging. |
. | No information available |
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Custom Batch Cut-off Times Define when batch payment processing cut-off occurs. |
. | No information available |
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Payment Template Management Setup and manage templates for regularly used payment types. |
. | No information available |
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UI Language Pack Number of supported languages for UI customization. |
. | No information available |
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Maximum Custom Rules Maximum number of custom validation or routing rules. |
. | No information available |
Scalability and Performance
(1 Yes /1 Known /15 Possible features)
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Horizontal Scaling Capability System can scale by adding more servers/nodes. |
. | No information available |
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Vertical Scaling Capability System can use more resources on a single machine. |
. | No information available |
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Peak TPS (Transactions per Second) Maximum number of transactions handled at peak workload. |
. | No information available |
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Maximum Concurrent Users Total number of users who can operate simultaneously. |
. | No information available |
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Automatic Load Balancing Distributes payment processing across multiple systems for efficiency. |
. | No information available |
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Disaster Recovery RTO Recovery time objective after a disaster. |
. | No information available |
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Disaster Recovery RPO Maximum acceptable data loss (recovery point objective). |
. | No information available |
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Geographic Failover Support System can fail over between data centers in different locations. |
. | No information available |
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Elastic Scaling Automatic scaling up/down with changing workload. |
. | No information available |
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Resource Utilization Monitoring System monitors use of compute, memory, and storage resources. |
. | No information available |
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Transaction Processing Latency Average time to process an individual payment. |
. | No information available |
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Maximum Payments per Day The upper limit on daily payment volume supported. |
. | No information available |
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Cold Start Time Time taken for system to become operational from shutdown. |
. | No information available |
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Scalable Data Storage Underlying data storage can grow as transaction volumes increase. |
Underlying data storage and transactional volume are both claimed as scalable in architecture guides | |
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High-availability (HA) Uptime SLA Guaranteed uptime according to SLA. |
. | No information available |
Deployment, Maintenance and Support
(5 Yes /5 Known /15 Possible features)
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Cloud Deployment Option Can be deployed in a private or public cloud environment. |
ACI emphasizes cloud deployment options (AWS, Azure) both in product literature and public case studies | |
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On-premise Deployment Option Can be run within bank’s own data centers. |
On-premise deployment for banks also well-documented | |
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Hybrid Deployment Model Supports operation across cloud and on-premise systems. |
Hybrid deployment listed as supported to mix cloud and on-prem for resilience | |
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Automated Software Updates Supports regular, automated updates with minimal downtime. |
. | No information available |
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24/7 Vendor Support Offers round-the-clock technical support. |
Global 24/7 support referenced explicitly in support documentation and client testimonials | |
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Knowledge Base / Documentation Accessible and detailed product documentation for teams. |
. | No information available |
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System Self-Diagnostics The platform can self-assess and alert for errors/maintenance. |
. | No information available |
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Automated Backup and Restore Enables scheduled backup and rapid restore of all critical data. |
. | No information available |
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Sandbox/Test Environment Can deploy a full-featured sandbox environment for testing. |
ACI offers full-featured test/sandbox environments for integration and testing per developer resources | |
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Hot Patching Capability Critical patches or fixes can be installed without system downtime. |
. | No information available |
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Issue Tracking and Ticketing Integration Integrates with issue/ticket management solutions. |
. | No information available |
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Maintenance Window Configuration Flexible scheduling of system maintenance with notifications. |
. | No information available |
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Service Monitoring API APIs for external monitoring solutions to check system status. |
. | No information available |
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Automated Scaling Policies Rules for automated resource allocation during maintenance or load spikes. |
. | No information available |
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Maximum Patches per Year Number of critical patches/upgrades required or supported annually. |
. | No information available |
Customer and Bank Relationship Management
(0 Yes /0 Known /15 Possible features)
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Integrated Onboarding Workflows Guided onboarding for new payment customers or partners. |
. | No information available |
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KYC Integration Integration with Know Your Customer processes and checks. |
. | No information available |
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Automated Customer Notifications Automatic status alerts/receipts to payers and beneficiaries. |
. | No information available |
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Custom Payment Descriptions Ability to provide custom messages or invoice references. |
. | No information available |
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Beneficiary Management Manage, validate, and store beneficiary account information. |
. | No information available |
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White-labeling Support System can be branded and customized for partners or clients. |
. | No information available |
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Customer Support Integration Integrates with ticketing or CRM systems for issue management. |
. | No information available |
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Self-service Payment Status Customers can check the real-time status of their payments online. |
. | No information available |
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Automated Fee Disclosure Discloses all fees to customers during payment initiation. |
. | No information available |
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Customer Feedback Collection System incorporates surveys or feedback channels on payment experience. |
. | No information available |
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Bulk Beneficiary Upload Enables upload and management of multiple beneficiaries at once. |
. | No information available |
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Multilingual Customer Communication Supports communication in multiple customer-preferred languages. |
. | No information available |
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Customer Data Retention Policy Configurable length of payment and relationship data retention. |
. | No information available |
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Customer Payment Templates Enables customers to create and use templates for frequent payments. |
. | No information available |
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Limits per Customer Account Customizable transaction or volume limits per account. |
. | No information available |
Innovation and Future-proofing
(4 Yes /4 Known /15 Possible features)
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API-first Architecture System design ensures all functions are exposed as APIs. |
API-first design emphasized, with all functions exposed via secure APIs. | |
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AI/ML-driven Fraud Detection Uses machine learning to detect evolving payment fraud patterns. |
AI/ML-powered fraud detection is a key differentiator according to platform highlights. | |
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Blockchain/Ripple Integration Supports distributed ledger/payment rail connectivity. |
Ripple and distributed ledger integrations referenced among ACI’s supported rails for select markets | |
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Crypto Payment Support Can initiate, receive, or settle cryptocurrencies. |
No information available | |
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Regulatory Sandbox Support Can be used in regulatory test environments for payment innovation. |
No information available | |
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Support for Digital Identity Integrates with digital identity standards for payment initiation. |
. | No information available |
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Continuous Deployment Pipeline DevOps pipeline for rapid delivery of new features. |
. | No information available |
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Pluggable Payment Rails System supports adding new payment networks/rails with minimal effort. |
. | No information available |
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Open API Developer Portal Portal for third parties and fintechs to build on payment APIs. |
Open API developer portal, sandbox, and fintech onboarding discussed as developer resources. | |
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Sandbox Transaction Capacity Number of test transactions supported in sandbox. |
. | No information available |
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Third-party App Ecosystem Supports plug-in third-party or marketplace applications. |
. | No information available |
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Smart Contract Support Can trigger payments or settlements by smart contract. |
. | No information available |
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Support for IoT Payments Handles payments initiated by IoT-connected devices. |
. | No information available |
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API Versioning Control Supports releasing and maintaining multiple API versions. |
. | No information available |
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Innovation Roadmap Release Frequency Planned new feature releases per year. |
. | No information available |
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