Unified Card and Payment Management Platform for Seamless Transactions

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ACI Worldwide Introduces Comprehensive Card Payments Suite

ACI Worldwide has introduced a comprehensive card payments suite, ACI Connetic for Cards, within its cloud-native payments hub, ACI Connetic. This integrated platform unifies account-to-account payments, card payments, and fraud management, providing a scalable and resilient solution for modernizing card processing.

Scalable and Resilient Solution

ACI’s acquiring, issuing, and ATM and self-service banking solutions currently process over 300 billion card transactions annually. ACI Connetic for Cards builds upon this capability by consolidating these functions onto a unified cloud-native platform. The modular suite supports the entire transaction lifecycle, from capturing and authenticating payment data across channels to routing transactions to the appropriate hosts or networks, and authorizing and clearing transactions for settlement between institutions.

Global Card Transactions on the Rise

Despite the growth of real-time payments, cards remain the dominant payment method globally, driven by contactless adoption, e-commerce growth, and B2B digitization. Global card transactions reached 776 billion in 2024 and are projected to reach 1.1 trillion by 2029, representing a 43% increase. As card usage grows, banks are reassessing their existing platforms’ ability to support future demand, making a modernization strategy increasingly important.

Future-Ready Foundation

ACI Connetic for Cards provides an architecture designed to support this transition, offering a future-ready foundation that improves flexibility and agility by enabling a low-risk path to new services, payment types, and continuous innovation.

According to Thomas Warsop, CEO and President of ACI Worldwide, “ACI Connetic for Cards brings our standard for digital economy operations to the heart of retail payments, modernizing issuing, acquiring, and ATM capabilities that banks depend on.” Warsop added that the platform provides institutions with a clear pathway to modernization, improving flexibility and agility.

Key Benefits

The key benefits of ACI Connetic for Cards include trusted card payment processing, unified payments operations, and embedded fraud management and digital identity capabilities.

Bill Farris, head of issuing and acquiring at ACI Worldwide, noted that “banks need payments infrastructure that can evolve without elevating risk.” He added that ACI Connetic for Cards brings card processing and account-to-account payments together on a single, cloud-native platform, enhanced with advanced fraud and identity intelligence.

Peter Hüftlein, head of product accounts at Solaris SE, praised the unified, cloud-native approach of ACI Connetic, stating that it supports simplifying operations, accelerating change, and innovating across payment types with greater control.