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ACI Payments Orchestration Platform

Company overview

About ACI Worldwide

What the company provides

  • Orchestrator
  • Gateway
  • Acquiring platform technology provider

Available countries, payment methods, data access, contracts and funds handling depend on the selected product.

ACI Worldwide supplies payment software.

The merchant-facing ACI Payments Orchestration Platform provides an acquirer-independent gateway, routing, alternative-payment-method connections, omni-tokenisation, fraud decisioning and consolidated payment data. ACI Acquiring is separate software that banks and merchant acquirers use to run their own acquiring operations. In both products ACI provides technology; the merchant or PSP contracts with its chosen acquirers and payment providers, and those parties provide any merchant account or MID, underwrite payment acceptance, hold funds and settle transactions.

Founded 1975aciworldwide.comUpdated Aug 15, 2026

Selected product

ACI Payments Orchestration Platform

ACI merchant payments orchestration

Product account & client activation

  1. Product account

    Not included with this product

  2. Client activation

    ACI Worldwide reviews the platform account application

    This review covers access to ACI merchant payments orchestration. Merchant-account approval is outside this product.

Primary legal entity

ACI Worldwide, Inc.

Jurisdiction
United States
Registration number
47-0772104
Company type
Delaware corporation

Legal entities by jurisdiction

One legal entity registered in United StatesOne jurisdiction

Operating scale

Connected acquirer expansion reach
≥160 countries reachable through connected acquirers and payment partners

The legal entity supplying a product can differ by product and country.

Product portfolio

ACI Worldwide products

Compare payment orchestration and acquirer processing technology by account setup, approval, payment or data flow, and contract terms.

ACI Payments Orchestration Platform

Role in this product

  • Payment orchestration provider
  • Payment routing and token vault

A cloud or managed merchant-payment technology stack combining an independent eCommerce gateway, multi-acquirer routing, omnichannel acceptance, alternative-payment-method connections, omni-tokens, fraud decisioning and payment analytics.

ACI connects the configured providers; the merchant or PSP keeps the external acquiring and payment-provider relationships that control acceptance and funds.

Related services
Alternative payment methodsDecline recoveryFraud preventionPayment orchestrationPayment routingPayment vault
Features
OrchestrationPayment operationsFraud and riskReportingClient onboardingUnderwritingPricingComplianceSupport

ACI Acquiring software

Role in this product

  • Acquiring platform technology provider

Licensed, SaaS or hybrid processing software for a bank, processor or merchant acquirer to operate onboarding, authorization, merchant hierarchies, risk, clearing, settlement, reserves and billing under that client's own acquiring permissions and scheme relationships.

Buying ACI Acquiring software does not make ACI the merchant's acquirer and does not give the merchant an ACI MID or merchant account.

Related services
Fraud preventionPayment routing
Features
Payment operationsClient onboardingUnderwritingPricingComplianceSupport

Selected product

ACI Payments Orchestration Platform

Related services
6 capabilities
Features
9 capabilities

Orchestration platform, provider connections & funds boundary

Who supplies the orchestration layer, which processors or acquirers connect to it, who activates live processing and who handles merchant funds.

01 · Role in this product
Payment orchestration provider · Payment routing and token vault
02 · Orchestration platform
Not included with this product
03 · Production activation
Separate approval from the merchant's PSP or acquirer
04 · Connected-provider funds
ACI Worldwide does not hold merchant funds or provide merchant settlement

Selected product: ACI Payments Orchestration Platform.

Payment orchestration

ACI Payments Orchestration Platform: routing, retries & provider failover

Review routing rules, retry behavior, provider failover, configuration ownership and the connected accounts required for live payments.

Selected product: ACI merchant payments orchestration

Included in ACI Payments Orchestration Platform

Features included with this product.

Solutions
Alternative payment methodsDecline recoveryFraud preventionPayment orchestrationPayment routingPayment vault
Capabilities
OrchestrationPayment operationsPayment vaultFraud and riskReportingClient onboardingUnderwritingPricingComplianceSupport

Routing, retries & connected providers

Who controls routing and failover, and which connected PSPs or acquirers process and settle payments for ACI Payments Orchestration Platform.

Included

Payment gateway, PSP and acquirer connections

Integration options, connected PSPs and acquirers, tokenization, 3DS and merchant tools.

Gateway features

Integration → security → merchant tools

  1. 01Merchant integrationIntegration options and connected payment providers
  2. 02Payment securityTokenization, authentication and transport security
  3. 03Development & operations

Gateway connections

Merchant integration, PSP and acquirer connections

Integration options

No integration option is listed

Gateway

Payment technology

Connected payment provider

No connected acquirer or processor is listed

Security controls

Tokens and payment authentication

Operations

Webhooks, Control Panel and test environment

Tools used to test an integration and manage live payments.

API-oriented
Yes
Gateway included
Yes
Merchant chooses merchant services
Yes
Onboarding included
Yes
Role in this product
Payment orchestrator
Questions to confirm

What account setup, data retention, export, support and termination terms apply to this product?

These product-account and data terms are not fully specified.

Product account · ACI merchant payments orchestration

What is required to activate this product?

ACI Worldwide reviews the platform account application. Merchant-account approval remains separate.

Client company country

Eligible client countries are not specified

Company offices do not establish client eligibility or merchant-account eligibility.

Product account review

ACI Worldwide reviews the platform account application

The provider reviews the company and product use before activating the technology account.

Account review
Platform account review
Product
ACI merchant payments orchestration
01Product eligibility & acceptable use

Which businesses and uses are accepted for this product?

The product's acceptable-use rules determine which businesses and use cases can activate an account.

Eligibility requirements

01

High-volume processing

Available

02

Eligibility information

ACI reviews the technology client; it does not underwrite the merchant's payment acceptance or merchant account. For the merchant orchestration path, every connected acquirer or PSP controls its own merchant approval, MID, reserves and settlement. For ACI Acquiring software, the client acquirer performs merchant underwriting under its own policies and permissions.

03

Platform account decision

ACI's technology-client and implementation decision is separate from the payment acceptance and merchant-account decisions made by each connected acquirer or by the client acquirer operating ACI software.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Product account application

What is needed to activate the product account?

Company information, intended product use, commercial terms and integration details required before activation.

Product account application

Open product account → agree terms → configure integration → test → activate

Product access begins after account review, configuration and testing are complete.

Platform account documents

Documents to prepare

  1. 01Business and use case information
  2. 02Technical and security requirements
  3. 03Connected provider and channel map
  4. 04Business and implementation requirements
  5. 05Payment flow and channel map
  6. 06Connected provider contracts and credentials
  7. 07Security and PCI scope information

Platform account setup

  1. 01

    Define whether the buyer is a merchant or PSP selecting orchestration, or an acquirer selecting processing software.

  2. 02

    Map channels, payment methods, existing acquirers, processors, fraud services and target markets.

  3. 03

    For orchestration, maintain or obtain each external provider agreement, approval, merchant account and credentials.

  4. 04

    Choose hosted, managed, licensed, SaaS or hybrid deployment components applicable to the product.

  5. 05

    Configure routing, tokenisation, fraud, authentication, reporting and operational controls.

  6. 06

    Complete provider, scheme and production certification required for each live route.

Product account requirements

Account setup and activation

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Account review requirements

Company, ownership, sanctions, license and integration requirements are not specified

Account setup tasks

The onboarding tasks performed by the provider are not specified

Before applying

Provider setup requirements to confirm

Company eligibility, acceptable-use restrictions, account requirements and activation timing are not fully specified.

Provider activation & restrictions

Required provider accounts, production credentials, prohibited activities and country restrictions.

  1. 01

    Who provides the merchant account and approves live payment processing for this configuration?

    ACI Worldwide reviews the platform account; merchant-account approval is a separate decision.

  2. 02

    Who underwrites the merchant account, and what trading-history, credit, volume, ticket-size, guarantee and chargeback requirements apply?

    These approval requirements are not specified.

  3. 03

    Which business activities and product uses are prohibited by the acceptable-use policy?

    Product-specific acceptable-use restrictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 04

    How long does ACI Worldwide platform account review take after all required information is submitted?

    Platform account review timing is not specified.

Payment methods & countries · ACI merchant payments orchestration

Which client countries, provider connections and payment methods are available for this orchestration setup?

Connected payment providers determine payment-method, country and currency coverage for this configuration.

Selected product

ACI merchant payments orchestration

Payment setup not specified

Selected product

Client company

Eligible client countries are not specified

Business availability and connected-service coverage are separate requirements.

Payment connection capabilities

Payment connection capabilities are not specified

Availability depends on

  • Connected provider
  • Business country
  • Payment method
  • Currency

ACI Worldwide supplies payment technology. The merchant-account provider, merchant underwriter, processor, acquirer and configuration-specific payment coverage are not specified.

01Selected product

ACI merchant payments orchestration capabilities and connections

These capabilities belong to the selected product. Connected-provider and regional availability is set during configuration.

02Countries & availability

Where can the client use the platform, which connected providers cover each market, and where can customers pay?

Client eligibility, connected-provider coverage, customer country, payment method and currency are separate parts of the setup.

Country coverage

Client, connected-provider, customer and product countries

  1. 01

    Client location

    Where can the company using the orchestration platform be registered?

    Eligible client countries are not specified

    This is where the client company is registered; it does not determine connected-provider or customer-country coverage.

    Client and provider-account eligibility
  2. 02

    Connected provider coverage

    Which connected provider accounts cover each target market?

    The acquirer for each target country is not specified

    Across all products
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which gateways, PSPs, processors and acquirers are available for each business country, payment method and currency?

    Payment methods, countries and currencies depend on the connected provider accounts and the merchant configuration.

  2. Which connected providers require a separate agreement, approval or production credentials?

    Commercial and account requirements differ by connected provider.

Pricing & funds · ACI merchant payments orchestration

What does ACI merchant payments orchestration cost, and which related charges are governed by another agreement?

Orchestration quote, billable events, minimum commitment and order-form terms

Pricing

Orchestration quote, billable events, minimum commitment and order-form terms

Pricing method

No public rate card; obtain the quote and order form

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

Quote & order form

No public rate card; obtain the quote and order form

02Billable events

Which billable events terms apply?

The payment, connection or workflow events that generate charges.

Billable events & unit prices

Not specified in the public pricing information

The quote or order form must identify each billable event, included allowance and overage rate.

03Settlement & payouts

Which provider settles merchant funds, and are payouts included?

The merchant settlement provider and terms are not specified unless listed below. Customer or third-party payouts are a separate service and may use another provider.

Merchant settlement & customer payouts

Sale proceeds and customer payouts

Settlement makes processed sale proceeds available to the merchant. A payout sends separate funds to a customer or third party.

01 · Minimum commitment

Minimum commitment

Any minimum monthly or annual spend required by the agreement.

Minimum commitment

Amount not specified

The applicable commitment is set in the order form.

02 · Order-form terms

Order-form terms

Initial term, renewal, cancellation notice, billing cycle and invoice currency.

Contract & invoicing

Initial term, renewal, billing cycle and invoice currency are not specified

Pricing & settlement terms

Terms to confirm in the agreement

Other terms

  1. What total price and included usage appear in the quote or order form?

    The public pricing information does not provide a usable total price.

  2. Which events or account units are billable, and what is the unit price for each?

    Billable events, included allowances and overage rates are not specified.

  3. What monthly or annual minimum commitment applies?

    The minimum commitment amount is not specified.

  4. What initial term, renewal rule, cancellation notice, billing cycle and invoice currency appear in the order form?

    The contract and invoicing terms are not specified.

Route decision flow · ACI merchant payments orchestration

How do routing, provider failover, decline recovery and decision logs work?

Routing rules, provider failover, decline recovery and decision logs

Route decision flow

Routing inputs → provider selection → outcome → retry & logs

The orchestration setup determines routing inputs, provider selection, retry rules, failover and route-decision visibility.

Selected product

ACI merchant payments orchestration

Routing rules, connected providers, decline recovery and operational logs.

  1. Routing inputs

    Multi acquirer payment flow design · Rules and ai assisted routing

  2. Routes & failover

    Smart retry · Alternate acquirer routing

  3. Payment routing responsibilities

    ACI Worldwide applies routing and recovery rules · Connected PSP or processor authorizes each transaction

  4. Routing controls & logs

    Included

01

Routing inputs

Which fields and rules can drive payment routing?

Transaction fields, merchant rules and provider state used to select a route.

Routing capabilities

  • Multi acquirer payment flow design
  • Rules and ai assisted routing
  • Cost and acceptance optimisation
  • Provider outage routing
  • Alternative payment method selection
  • Authentication and fraud decisioning
02

Routes & failover

How are providers selected, retried and failed over?

Provider selection, volume splits, conditional routes, retries and failover.

Selected setup

Routing entry point

How requests enter this product and which integration boundary applies.

Routing modes

  • Acquirer routing
  • Payment method routing
  • Cost based routing
  • Acceptance rate routing
  • Location and transaction type routing

Routes & failover

Routing, retry and failover controls

Routing
01

Decline recovery

  • Smart retry
  • Alternate acquirer routing
  • Provider disruption failover

Recurring payment recovery

Recurring payment recovery

Retries, provider failover and controls for recurring payment recovery.

Recovery support
Not specified

Not specified

03

Payment routing responsibilities

Who selects routes, authorizes transactions and handles merchant funds?

ACI Worldwide selects and submits routes; connected payment providers authorize transactions and handle funds.

Payment routing responsibilities

  • ACI Worldwide applies routing and recovery rules
  • Connected PSP or processor authorizes each transaction
  • Connected acquirer or PSP handles merchant funds

Available controls

ACI Worldwide selects and submits routes; connected payment providers authorize transactions and handle funds.

  1. 01

    Connected provider types

    Which controls are available with this product?

    Connected provider types

    Not specified

    Connected provider types are not specified

04

Routing controls & logs

Which route decisions, provider-health signals and retry outcomes are available?

Rule management, route decisions, provider health, retries and operational logs.

Routing controls & logs

Routing inputs → route decision → provider outcome → retry & logs

Rule changes, route decisions, provider health, retries and operational logs.

  1. 01

    Routing controls & logs

    Rule management, route decisions, provider health, retries and operational logs.

    Control panel

    Included

    Route-decision logs and provider-health fields are not specified.

Before integration

Integration details not specified

  1. 01

    Which fields can drive routing, how are rule priorities resolved and when do changes take effect?

    Routing inputs, priority rules and deployment timing are not specified.

  2. 02

    Which declines can be retried through another provider, and how are duplicate authorizations prevented?

    Retry eligibility and duplicate-authorization controls are not specified.

  3. 03

    Which route decisions, provider-health signals, retries and outcomes are available in logs or webhooks?

    Routing observability and event fields are not specified.

Routing, failover & support

ACI Payments Orchestration Platform: risk, licenses & support

Connected providers, routing rules, retries, failover, change controls, contracting entity and support.

ACI Payments Orchestration PlatformService: ACI merchant payments orchestration
01 / Routing & service continuity

What happens when a payment provider fails?

Routing rules, retry limits, failover behavior, duplicate-payment protection, rule permissions and rollback.

Routing & failover

ACI Worldwide routes transactions across connected payment providers

Payment routing and gateway connections do not make ACI Worldwide the processor or funds holder. Authorization and settlement remain with the selected connected payment providers under their own agreements. The ACI merchant payments orchestration agreement controls routing rules, retries, failover and access to routing data.

Role in this product
Payment orchestration provider · Payment routing and token vault
Connected providers & merchant funds
ACI Worldwide does not hold merchant funds or provide merchant settlementThe funds holder and merchant settlement provider are not specified.

Provider outages & routing continuity

How are failed routes retried, switched or rolled back?

Timeout handling, retry limits, failover, duplicate-payment protection and routing-rule change controls belong in the agreement.

  • What happens when a connected gateway, processor or acquirer is unavailable or returns an uncertain result?

  • Who can change routing rules, and how are rule changes tested, approved and rolled back?

Fraud rules, 3-D Secure & provider disputes

Controls in the orchestration layer and risks held by connected providers

Fraud screening and 3-D Secure are available. The orchestration platform controls workflow routing, fraud-provider calls and available 3-D Secure options. Refunds, chargebacks, negative balances and settlement holds remain subject to the applicable connected-provider agreements.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Real time fraud decisioningMachine learning risk modelsBehavioral analyticsCustomer profilingMerchant configured rules3-D Secure decisioning
Screening · Model
ACI supplies fraud prediction and rules technology. It does not replace the connected acquirer's merchant underwriting or scheme compliance decision.

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

Authentication · Model
ACI can place EMV 3-D Secure and strong-customer-authentication decisions in the merchant's payment flow; issuer and acquirer requirements still determine the final authentication and authorization outcome.
Before signingRouting, retry, failover, duplicate-payment and rule-change terms2 items to confirmReview contract terms
02 / Contracting entity & connected providers

Which legal entity signs the software agreement, and which connected-provider agreements are required?

The software contracting entity and each connected payment provider's regulated services are separate. The connected-provider agreements identify who processes and settles each payment.

For this product

Software contracting entity and connected providers

Payment orchestration. The contracting legal entity for ACI Payments Orchestration Platform is not specified. ACI Payments Orchestration Platform is a technology product; payment processing, merchant-account services and settlement remain with the selected connected providers under their own agreements and authorizations.

A software company registration or PCI DSS certification does not identify which connected provider processes or settles a payment.

  1. 01 · Software contracting entity

    Not specified for this product

  2. 02 · Product role

    Payment orchestration

  3. 03 · Connected payment services

    Separate provider agreements and authorizations

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

0 entities · license or registration not specified

Security & regulatory information

Certifications, safeguarding arrangements and cross-border permissions for this product.

01

Security controls

Privacy and security controls

Security controls
Token vaultPayment data encryptionPoint to point encryption optionsEMV 3-D Secure supportFraud decisioning
Security
https://www.aciworldwide.com/solutions/merchant-risk-security-compliance
Before signingContracting entity, payment services license and legal terms2 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover ACI merchant payments orchestration and routing errors, failed retries or connected-provider outages. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and routing errors, failed retries or connected-provider outages are not specified.

Other company contacts

Support hours are not specified for these contacts.

Sales

aciworldwide.com/about-aci/contact-us

Security

aciworldwide.com/solutions/merchant-risk-security-compliance

General

aciworldwide.com/solutions/international-payments-expansionaciworldwide.com/solutions/payments-orchestration-platform

Merchant support

aciworldwide.com/standard-customer-support
Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
ACI merchant payments orchestration / Before signing

What should the payment orchestration agreement include?

Confirm connected-provider agreements, pricing, routing rules, retries, failover, duplicate-payment protection, logs, support and termination.

Before signing

ACI merchant payments orchestration: terms to confirm

Confirm which providers can be connected, how routes and retries work, and who handles outages and uncertain payment results.

Providers, routing & pricing

Connected providers, usage allowances, route inputs and priorities, retry eligibility and premium features

Failover, control & observability

Provider outages, uncertain results, duplicate protection, rule permissions, rollback, logs and webhooks

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Payment continuity & routing controlsProvider outages, uncertain results, duplicate-payment protection, permissions and rule rollback.
  2. 02Contracting entity & payment responsibilitiesPlatform contract, connected-provider agreements, data roles and any regulated payment service involved.
  3. 03Routing & provider supportContacts and response targets for routing errors, failed retries and provider outages.
Payment orchestration agreement

Routing and provider terms to confirm

Review pricing, connected-provider requirements, routing rules, retries, failover, duplicate-payment controls, logs, support and termination.

Payment continuity & routing controlsProvider outages, uncertain results, duplicate-payment protection, permissions and rule rollback.

  1. What happens when a connected gateway, processor or acquirer is unavailable or returns an uncertain result?

    Timeout handling, retry limits, failover behavior and duplicate-payment protection are not specified.

  2. Who can change routing rules, and how are rule changes tested, approved and rolled back?

    Routing-rule permissions, testing and rollback controls are not specified.

Contracting entity & payment responsibilitiesPlatform contract, connected-provider agreements, data roles and any regulated payment service involved.

  1. Which legal entity will sign the agreement for this product?

    The contracting legal entity is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

Routing & provider supportContacts and response targets for routing errors, failed retries and provider outages.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Which support hours and contact channels cover ACI merchant payments orchestration, and where should a business report routing errors, failed retries or connected-provider outages?

    The support scope for ACI merchant payments orchestration and the contacts for routing and connected-provider issues are not specified.

  3. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What the orchestration product includes, which provider restrictions apply and which routing terms are not specified.

Included capabilities

Capabilities included with ACI merchant payments orchestration.

  • Multi acquirer payment flow design, Rules and ai assisted routing, Cost and acceptance optimisation, Provider outage routing, Alternative payment method selection, Authentication and fraud decisioning, Acquirer routing, Payment method routing, Cost based routing, Acceptance rate routing, Location and transaction type routing, Smart retry, Alternate acquirer routing, and Provider disruption failover

  • Payment orchestration technology

Provider and routing conditions

Connected-provider approvals, agreements, credentials, operating limits and market coverage.

  • Connected-provider requirements, operating limits, event coverage and service levels depend on the selected configuration.

Terms to confirm

Pricing, provider, routing, retry, failover, observability and termination terms to include in the agreement.

  • Unit prices, usage allowances, overage rates, contract length, minimum spend and renewal terms are not specified.