ACI Worldwide – Services, pricing, comparisons and reviews

Last updated on 18 September 2023

ACI Worldwide, a prominent global payment systems company, has been increasingly piquing the interest of UK businesses in the domain of payment processing. As payment handling becomes a pivotal focus in our digital age, it’s crucial for businesses to make an informed choice about their payment processors.

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This article provides an in-depth review of ACI Worldwide, shedding light on its features, fees, pros, cons, and more.

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Overview of ACI Worldwide – what’s on offer?

ACI Worldwide boasts a rich history spanning more than four decades. With its roots in the US, the company has expanded its reach to cater to international clients, including those in the UK. It offers an impressive suite of electronic banking and payment solutions for a myriad of sectors, ranging from retail to financial institutions.

Their primary appeal stems from their comprehensive offerings that provide both real-time and batch payment solutions. Their platform supports global payment types including ACH, wire, credit, debit, and more. This broad spectrum ensures that businesses, irrespective of their size or niche, can find a payment solution tailored to their needs.

Moreover, with its emphasis on fraud prevention, ACI Worldwide offers security features that are indispensable in today’s cyber-threat landscape. This commitment to security, combined with their robust and flexible payment systems, has garnered them significant attention in the UK market.

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Pros and cons of ACI Worldwide


  • Wide range of payment options: From traditional bank transfers to modern card payments, ACI has it all.
  • Global reach: Beneficial for businesses with an international client base.
  • Robust security measures: Prioritising fraud prevention and security in all their offerings.
  • Customisable solutions: Allows for businesses to tailor the payment solutions to their unique requirements.
  • Stellar reputation: Over 40 years in the industry speaks to their experience and reliability.


  • Complex pricing: Some businesses find their fee structure a bit convoluted.
  • Learning curve: Given the breadth of services, there’s a steep learning curve for those unfamiliar with payment systems.
  • Integration challenges: Some users have reported issues while integrating ACI’s services with existing platforms.
  • Customer support: Although generally reliable, some users have experienced delays in response times.

ACI Worldwide products and services

ACI Worldwide offers a plethora of products and services designed to cater to different business needs:

Universal Payments (UP) Framework

This acts as a backbone for all of ACI’s offerings, allowing businesses to access any payment type, any channel, and any currency.

Real-time Payments

Catering to the need for instant transactions, this ensures businesses can handle payments in real-time, enhancing customer experience.

Retail Payments

Specifically tailored for retail businesses, this includes a POS system, online payments, and mobile payments.

Merchant Services

Providing solutions for merchant acquiring, management, and more, this is ideal for businesses that have their own merchant accounts.

Online Banking

Offering a comprehensive internet banking solution, it ensures that businesses can manage their finances digitally.

Fraud Management

Tools and services specifically designed to detect, mitigate, and prevent fraudulent transactions.

ACI Worldwide pricing, fees and charges

ACI Worldwide’s pricing is multifaceted, given the extensive suite of services they offer. Typically, businesses can expect:

  • Setup fees: A one-time charge for setting up the system.
  • Monthly fees: Depending on the services availed, there’s a recurring monthly fee.
  • Transaction fees: A charge for each transaction processed, which might vary depending on the payment method used.
  • Service-specific fees: For additional features or customisations, there might be extra charges.

It’s recommended for businesses to directly consult with ACI Worldwide representatives for precise quotations, as prices can differ based on individual business needs.

Alternatives to ACI Worldwide

While ACI Worldwide is a notable player, there are other options in the market:

  1. Stripe: Known for its user-friendly interface and robust API, Stripe caters to businesses of all sizes.
  2. PayPal: A globally recognised platform offering a variety of payment solutions.
  3. Adyen: Catering especially to large enterprises with a focus on international payments.
  4. Square: Ideal for small businesses and retailers, offering both online and POS solutions.

Company history of ACI Worldwide

ACI Worldwide has its origins steeped in ambition and innovation. Established in 1975, the company embarked on a mission to change the landscape of electronic payments. Over the years, it has grown exponentially from a small-scale endeavour to a global powerhouse in the payment processing domain.

In its nascent years, ACI was primarily focused on domestic markets, gradually expanding its horizons as the demand for sophisticated electronic payment solutions surged. As technology evolved, so did ACI, consistently staying ahead of the curve by investing in research, development, and acquisitions that bolstered its offerings.

Throughout the 1980s and 1990s, ACI made several strategic moves, acquiring pivotal technologies and partnering with major industry players. These alliances were not only instrumental in enhancing its product portfolio but also expanded ACI’s global footprint.

Entering the new millennium, ACI continued its trajectory of growth by tapping into emerging markets and introducing innovative solutions that catered to the burgeoning e-commerce sector. Their foray into real-time payment solutions and fraud prevention systems is a testament to their commitment to staying relevant and meeting the evolving needs of businesses worldwide.

In the UK, ACI Worldwide made significant inroads in the early 2000s, becoming a go-to choice for businesses looking for reliable, secure, and comprehensive payment solutions. Its reputation for upholding the highest standards of security and consistently innovating its services solidified its position in the UK market.

Today, with over four decades of experience and a presence in more than 90 countries, ACI Worldwide stands as a testament to resilience, innovation, and a relentless pursuit of excellence. Their legacy is intertwined with the history of electronic payments, and they continue to shape its future.

Conclusion – Is ACI Worldwide a good choice?

Given its extensive history, comprehensive suite of offerings, and robust security measures, ACI Worldwide certainly stands out in the payment processing landscape.

However, businesses should consider their individual requirements, potential learning curves, and budget constraints before making a decision.

For those seeking an all-in-one solution with a global reach, ACI Worldwide can undoubtedly be a formidable choice.


What is ACI Worldwide?

ACI Worldwide is a global payment systems company offering a range of payment processing solutions.

How long has ACI Worldwide been in the industry?

They have over 40 years of experience.

Do they offer real-time payment solutions?

Yes, ACI Worldwide provides real-time payment services.

Is ACI Worldwide secure?

ACI prioritises fraud prevention and implements robust security measures.

Can I customise ACI Worldwide’s services?

Yes, they offer customisable solutions to cater to specific business needs.

How does ACI Worldwide’s pricing work?

ACI Worldwide has a varied pricing structure, including setup fees, monthly fees, transaction fees, and additional charges for specific services. It’s best to liaise directly with them for detailed pricing.

Is ACI Worldwide suitable for small businesses?

Yes, ACI Worldwide offers solutions tailored for businesses of all sizes, including small enterprises.

Which industries can benefit most from ACI’s services?

A variety of sectors ranging from retail to financial institutions can benefit from ACI’s payment solutions.

How does ACI Worldwide handle fraudulent transactions?

ACI offers specific tools and services for fraud management to detect, mitigate, and prevent suspicious activities.

Do they offer mobile payment solutions?

Yes, ACI Worldwide provides mobile payment solutions as part of their retail payment offerings.

What kind of customer support does ACI Worldwide offer?

While ACI Worldwide provides customer support, response times can vary. It’s always best to consult their official website or contact them directly for support details.

How does ACI Worldwide stand in comparison to other payment processors like Stripe or PayPal?

ACI Worldwide is distinguished by its comprehensive suite of offerings, global reach, and emphasis on security. However, the best choice depends on specific business needs and preferences.

Are there any hidden fees with ACI Worldwide?

Businesses should always discuss and understand the complete fee structure with ACI representatives to ensure clarity on all charges.

Does ACI Worldwide offer POS (Point Of Sale) systems?

Yes, ACI offers POS systems tailored for retail businesses.

Can I integrate ACI’s services with my existing business platforms?

ACI provides integration options, though some users have reported challenges. It’s advisable to discuss integration details with their team.

Is ACI Worldwide’s platform user-friendly?

While ACI’s platform is comprehensive, there can be a learning curve for those unfamiliar with payment systems.

How does ACI ensure data protection and compliance?

ACI Worldwide places significant emphasis on security and compliance, regularly updating its systems in line with international data protection regulations.

Can I process international payments with ACI Worldwide?

Yes, ACI Worldwide supports global payment types and has a strong international reach.

How long does it take to set up an account with ACI Worldwide?

Setup duration can vary based on business needs and the solutions chosen. It’s best to consult ACI representatives for specifics.

Are there any long-term contracts or commitments with ACI Worldwide?

Contract terms depend on the services availed. Businesses should discuss contract specifics with ACI Worldwide before finalising any agreement.

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Reviewed by , Managing Director


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