ACI Worldwide is a global public company specializing in real-time payments, card issuance, and transaction processing software. Headquartered in Elkhorn, Nebraska (USA), ACI provides mission-critical infrastructure to over 6,000 financial institutions, merchants, and payment processors worldwide—including key players in Africa.
The company’s platforms, ACI Issuing and ACI Switch, are trusted for secure, scalable transaction orchestration, powering national payment systems, ATM/POS acquiring, real-time payments, and digital banking services across cloud and on-premise environments. ACI processes more than 25 billion transactions annually via its cloud infrastructure.
Core Banking and Payment Products:
- ACI Issuing
Full card lifecycle management, including card creation, personalization, fraud control, and transaction monitoring. - ACI Switch
Real-time transaction processing engine for acquiring, routing, and authorizing card and digital payment transactions. - Real-Time Payments (RTP) Hub
Instant payments platform for banks and switches with ISO 20022 compliance, fraud detection, and liquidity management. - UP Retail Payments
Acquiring and settlement platform for ATM, POS, and eCommerce payments. - Digital Wallet Enablement
Tokenization, provisioning, and mobile payments integration.
Key Services:
- Real-time payment infrastructure
- Card issuing and management
- Interbank and scheme routing
- Cloud-native deployment and managed services
- ISO 20022 and EMV compliance support
- Scalable solutions for national switches and regional hubs
Adoption in Africa:
ACI Worldwide works with central banks, national switches, and top-tier banks across Africa to enable real-time payments, card processing, and digital banking transformation. Their clients in Africa include institutions in Nigeria, South Africa, and East Africa using ACI Switch for interbank switching and card processing.
