DRIVES HIGHER PROFITS
FROM PAYMENTS
SOLUTION FLYER
 CONSUMER
PAYMENTS™: ISSUING
SOLUTION
•IMPROVE AGILITY, BRINGING PRODUCT TO
MARKET FASTER
•
PREVENT FRAUD AT TIME OF AUTHORIZATION
AND GAIN ACTIONABLE INSIGHT ON FRAUD
PATTERNS
•
REDUCE OPERATING EXPENSE, LOWER COSTS
OF COMPLIANCE AND REDUCE RISK OF
FINANCIAL PENALTIES
Issuing has long been an attractive
industry, delivering sustainable income
with high profitability. In the past few
years the market has seen increased
technological innovation, regulatory
change, transaction growth and market
consolidations. These are driving
change in the consumer and provider
relationship and the expected services
are growing exponentially.
Issuers today need to respond to a
number of key opportunities and threats,
such as:
• Increasing competition
• Cross-border growth
• Simplifying complex systems
• Reductions in interchange revenue
• EMV and mobile payment developments
• Increased risk and compliance pressure
•The need for speed to market and
innovation
 CONSUMER PAYMENTS™:
ISSUING SOLUTION ENABLES
FLEXIBLE AND ROBUST
ISSUANCE AND SERVICING
OF PROFITABLE CONSUMER
ACCOUNTS
FEATURES AT A GLANCE
•ISSUANCE AND MANAGEMENT OF THE ACCOUNT/
PLASTIC/ALTERNATIVE FORM FACTOR
•MANAGEMENT AND PROCESSING OF ANY TYPE OF
PAYMENTS AUTHORIZATION
•INTERFACES TO ALL INTERNATIONAL AND KEY
DOMESTIC PAYMENT NETWORKS
•CLEARING AND SETTLEMENT, FOLLOWING
INTERNATIONAL AND/OR DOMESTIC RULES
• DISPUTES WORKFLOW AND CASE MANAGEMENT
•FRAUD DETECTION, PREVENTION, CASE
MANAGEMENT AND CONSUMER ALERTING
• EMV AND MOBILE TOKEN ISSUANCE
•FLEXIBLE INTERNAL/EXTERNAL INTEGRATION,
BUSINESS PROCESS MONITORING AND TEST SUITE
REDUCE RISK
•Utilize software proven to scale to support the
largest issuing solutions in the world
•Increase speed to market and delivery by utilizing
off-the-shelf end point connections functionality
•Reduce implementation and processing risk due
to the provision of a proven end-to-end solution
INCREASE REVENUE EARNING POTENTIAL
•Maintain/increase customer base and increase
profitability by harnessing the mobile payments
innovations of host card emulation (HCE), secure
element (e.g., Apple Pay) and tokenization
services
•Enable swift international expansion with
multi-language support including multi-byte
character sets
• Support revenue growth through scalability
SPEED TO MARKET
•Increase speed of function and end point
development through utilization of the
embedded  Framework™ and SOA
•Lower costs and increase productivity through a
single application to manage all card types
•Launch new products faster with off-the-shelf
global and domestic functionality, across all
channels, with no development effort
•Respond quickly to market pressures by
coordinating business services across the entire
 Consumer Payments™ solution and into the
bank’s intra- and extranets
•Create and deploy new products easier from a
functionally rich graphical user interface without
the need for any coding, as well as manage the
full account lifecycle
•Minimize time to market with flexible rules-based
product definitions and authorization scripting
capabilities, while generating revenue streams
faster
LOWER COST, IMPROVED PROFITABILITY
•Lower costs, protect revenue and increase
customer experience and retention through full
support for issuing EMV chip cards
•Defend against threats posed by evolving fraud
trends, prevent fraud at time of authorization and
gain actionable insight on fraud patterns
• Reduce false positives and retain more customers
•Reduce the compliance burden of network
mandates and PA-DSS compliance, maintained
as part of the solution
•Reduce write-offs, improving productivity
through utilization of disputes workflow and
native integration with MasterCom and VROL
2
•Lower cost and project pain points associated
with PA-DSS and scheme compliance mandates,
due to ACI’s commitment to maintaining
compliance
•Lower total cost of ownership through provision
of an end-to-end solution
GLOBAL FLEXIBILITY FOR TODAY’S WORLD
•The solution manages any consumer payment
type, including but not limited to:
-Credit/debit/prepaid
- Corporate/commercial/family card
- Cardless/mobile/virtual card
•Integrate easily with external systems enabling
multi-leg processing for transactions such as
mobile top-ups, bill payments, and remittance of
mobile- or web-initiated transfers, payments and
cash advances, helping match speed of demand
•Available to all geographies, all currencies and all
channels: EMV, mag stripe, contactless, mobile
and eCommerce; multi-institution and multicurrency capable all on one issuing solution
CONSUMER PAYMENTS
END-TO-END SOLUTIONS
DEVICE DRIVING,
ROUTING AND
BASE24-eps®
AUTHORIZATION
ACCOUNT LIFECYCLE
MANAGEMENT
RECONCILIATION,
CLEARING AND
ACI Issuer™
ACI
Interchange™
SETTLEMENT
ACI’S ADVANTAGES
Any financial services organization issuing any
type of consumer payments product regionally or
globally can benefit from:
•Reduced time to market and faster revenue
generation with flexible rules-based product
definitions
• Enhanced ability to grow profitably
• Cost-effective and reliable way to stay compliant
• Effective risk management and fraud control
•Ability to better attract and retain customers,
lower cost and simplify systems
FRAUD
PREVENTION,
DETECTION AND
ACI Proactive
Risk Manager™
MANAGEMENT
CHIP CARD,
TOKENIZATION,
SECURE ELEMENT,
HOST CLOUD
ACI
Token Manager™
EMULATION
DISPUTE
PROCESSING
TESTING
ACI Automated
Dispute Manager™
ACI Payment
Testing™
 FRAMEWORK FOR
PAYMENTS INTEGRATION
Innovation layer
3
REVOLUTIONIZES
PAYMENTS
ACI Worldwide, the Universal Payments company,
powers electronic payments and banking for more
than 5,600 financial institutions, retailers, billers
and processors around the world. ACI software
processes $13 trillion each day in payments and
securities transactions for more than 300 of the
leading global retailers, and 18 of the world’s 20
largest banks. Universal Payments —  — is ACI’s
strategy to deliver the industry’s broadest, most
unified end-to-end enterprise payment solutions.
Through our comprehensive suite of software
products and hosted services, we deliver solutions
for payments processing; card and merchant
management; online banking; mobile, branch and
voice banking; fraud detection; trade finance; and
electronic bill presentment and payment. To learn
more about ACI, please visit www.aciworldwide.
com. You can also find us on Twitter
@ACI_Worldwide.
www.aciworldwide.com
4
Americas +1 402 390 7600
Asia Pacific +65 6334 4843
Europe, Middle East, Africa +44 (0) 1923 816393
© Copyright ACI Worldwide, Inc. 2015
ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP,
the UP logo, ReD and all ACI product names are trademarks or registered
trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United
States, other countries or both. Other parties’ trademarks referenced are
the property of their respective owners.
AFL5789 07-15