ACI Worldwide

Fraud Solution Profile

ACI Payments Intelligence serves merchants, banks and billers to mitigate fraud and financial crime, support AML and KYC compliance, and minimise operational overheads. Its platform predicts and prevents fraud across the payments value chain — from pre-authentication and transaction decisioning through to post-authorization.

Built on one of the world’s largest data intelligence consortiums, enabled by its global customer base, it enhances fraud and risk decisioning capabilities by enabling more precise, real-time decision-making. The platform helps organisations detect and prevent third-party fraud (such as synthetic identity, account takeover and anomalous behaviours) as well as identify and manage first-party fraud.

For merchants and billers, ACI provides a combination of patented AI technology (referred to as incremental learning AI models), fraud and payments data, predictive and behavioural analytics, positive profiling, and customisable fraud strategies, supported by expert services and consortium data. These capabilities help mitigate risk, reduce the burden of compliance, and optimise approval rates while minimising customer friction. The solution can be delivered as a multi-tenant platform-as-a-service, or deployed in the public cloud or on premises.

It enables organisations to protect payments end-to-end — from customer interaction through to post-authorization — while enhancing the customer experience. The solution also supports the management of first-party abuse (including returns, coupons, payment aggregators and other behaviours), helping reduce operational costs and enabling better targeting of services and offers to legitimate customers.

For financial institutions, ACI offers banks, intermediaries, and merchant acquirers with private-label portfolios a robust, scalable and easy-to-integrate solution. It delivers precise and actionable intelligence in real time through a combination of AI-powered algorithms, data orchestration, network intelligence, and advanced predictive analytics.

This enables organisations to prevent fraud, support compliance, and optimise decisioning across both risk and revenue objectives. The solution can be delivered as a service or deployed in the public cloud or on premises. Business users are empowered with a full set of AI and expert rule capabilities that can be managed independently, enabling faster strategy deployment and quicker response to emerging threats.