ACCELERATE DEPLOYMENT• A pre-integrated, real-time

payments clearing and settlement system

• A pre-packaged solution to process on The Clearing House RTP network

• Transformation and stand-in processing capabilities to facilitate real-time processing into the back office

REDUCE RISKS• A packaged solution

pre-tested with The Clearing House to reduce testing efforts

• A proven methodology for managing compliance, XSD and system updates

DRIVE CUSTOMER SATISFACTION• Connects, through one

platform, to additional real-time networks

• Offers economies of scale full market access through further advancement of real-time offerings and interoperability

• Facilitates continued innovation going forward, such as Request to Pay capabilities

PARTNERING TO MAKE REAL-TIME PAYMENTS A REALITY IN THE U.S.The partnership between ACI Worldwide and VocaLink offers The Clearing House participants in the real-time payments network a comprehensive solution to deploy real-time payments. The Clearing House is committed to launching a real-time payments system to support a broad array of transaction types that increase the efficiency of payments — B2B, B2C, P2P. ACI and VocaLink have partnered to help bring together the community to foster collaboration and innovation.

REAL-TIME, ALL THE TIME Financial institutions are striving to offer “anytime, anywhere, anyhow”

banking that matches customer expectations for real-time payments,

with security and simplicity. Yet, institutions in the U.S. have multiple

initiatives straining for priority. Same-day ACH has been a priority

for the payments community, alongside mobile initiatives, increased

security and ongoing compliance. At the same time, emerging

regulatory initiatives designed to digitize cash, open core banking

services and boost innovation are putting pressure on revenues and

the use of traditional business models.

Faced with these demands, financial institutions should focus on

solutions that position them for the future by helping them better

address three critical goals: acquiring and retaining customers,

reducing costs and ensuring regulatory compliance. Innovative

opportunities are plentiful in categories such as emergency payments,

bill payment, corporate disbursements and data enhancements,

and benefits have been identified for improvements for the utilities

industry, insurance, government and healthcare. Now is the time

to capitalize on real-time payments and enhance the product and

services banks can offer.

FEATURES AT A GLANCE

2

ACI AND VOCALINK JOIN FORCES VocaLink is providing the central infrastructure for The Clearing

House’s real-time payments initiative in the United States. ACI’s

UP® Immediate Payments™ solution is available to all The Clearing

House member banks and participants. This reduces testing cycles and

provides assurance that ongoing scheme changes will be managed

as part of the continuous oversight and support provided by the

partnership.

All participants of The Clearing House network benefit from the

combined solution by joining a larger community that shares best

practices and promotes innovation under the guidance of the

partnership. ACI and VocaLink share common data standards to

ensure effective compatibility and will coordinate when managing

the introduction of changes to the standards and rules. Together we

will provide effective compliance with any of The Clearing House

scheme changes.

ACI UP® IMMEDIATE PAYMENTS™ACI’s immediate payments solution provides comprehensive real-

time payments processing and a clearing connection to the central

infrastructure. The solution is configured to fit within your environment

and manage the real-time payments as an extension of your existing

processing or as a payments hub to centralize your payments

processing.

Business operations services provide the capabilities to seamlessly

manage real-time payments and provide a consistent level of service to

your customers. Exceptions handling, authorization services, business

intelligence and more help simplify the management of payments.

The solution is available as a SaaS offering managed in ACI-owned

data centers or as an on-premise solution. In an “always on” world,

UP Immediate Payments provides the reliability and scalability to

confidently grow your business. Built for real-time processing, the

solution is based on modern technology designed to be available

24x7x365.

With the added value of the VocaLink partnership to streamline

integration efforts and minimize testing cycles, UP Immediate

Payments is the solution of choice for real-time payments processing.

WWW.ACIWORLDWIDE.COM

@ACI_WORLDWIDE

WWW

LEARN MORE

Americas +1 402 390 7600 Asia Pacific +65 6334 4843 Europe, Middle East, Africa +44 (0) 1923 816393

© Copyright ACI Worldwide, Inc. 2016 ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the UP logo 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.

AFL6116 11-16

“The ACI/VocaLink partnership further supports the ubiquity

of real-time payments and will accelerate adoption in the U.S.”Steve Ledford SVP, Product and Strategy The Clearing House