Fraud & Security

SFRA Version:


ACI Worldwide

ACI's UP Merchant payments service is a full omni-channel solution tailored to meet the evolving needs of today’s merchants. This includes the ability to quickly accept new payment types, connect to chosen acquirers and deliver a fast, seamless and secure customer experience for all payment types, channels, devices and geographies.

With a single cartridge, SFRA merchants can quickly subscribe to ACI’s payments service to power online sales and reduce risk and cost. The scalable platform supports business success across in-store, mobile and online channels.

UP Merchant Payments gives merchants connectivity to hundreds of local and cross-border acquirers and alternative payment methods, for payment acceptance anytime and anywhere. The solution gives merchants control of the checkout process with the freedom to decide which acquirers and payment methods to work with.

Merchants can install one single cartridge from ACI to rapidly on-board to ACI’s payments and fraud management services with no additional infrastructure costs or integrations.

ACI’s PCI compliant payments service not only makes for a simple on-boarding process but also simplifies PCI compliance down to a SAQ-A process.

Sample ACI customers include ICA Banken (Sweden), Co-op (UK), Decathlon (Europe), Auchan (France), Mango (Europe), Wendy’s (US), Belk (US), Tesco Mobile (UK), EE (Global), PayU (Africa), HyperPay (Middle East) and Singapore Airlines (Global).

Integration Overview

ACI’s cartridge is up-to-date and compliant with the latest version of SFRA (version 4.2+) and ACI is committed to keeping up with the latest version and features of the platform.

The cartridge acts a single plug-in so that merchants can rapidly on-board to the ACI UP Merchant Payments cloud service for payments acceptance and fraud management. Once plugged-in, merchants can enjoy access to ACI’s large library of payments services allowing payments to be processed by many local and international acquirers and alternative payment methods like PayPal, Klarna, iDEAL, Swish, WeChat Pay, Alipay, ApplePay, Samsung Pay and hundreds of others. ACI’s payments service gives merchants the freedom to choose the acquirers they use and payments they accept. New payment methods can be turned on at the flick-of-a-switch.

Integration Features

  • Most up to date integration to simply payment-enable SFRA merchants 
  • Single integration for payment acceptance and fraud management 
  • Credit and debit card acceptance Alternative payment method acceptance 
  • Choice of acquirers and hundreds of payment methods PSD2 Strong Customer 
  • Authentication (SCA) inline processing to minimize customer disruption 
  • Cloud-based payments service that also supports full omni-channel processing with in-store payments 
  • Real-time fraud management services - machine learning, rules, PSD2 SCA exemption handling 
  • Global payments service designed to maximize customer conversion, minimizing basket abandonment and fraud costs 
  • Allows merchants to support modern omni-channel customer journeys - click and collect, return to store, endless aisle