The retail payments landscape continues to evolve as consumers expect seamless access to financial services across a growing number of channels, devices, and payment methods. From ATMs and mobile banking to digital wallets and real-time transactions, payment providers must support a connected ecosystem that delivers convenience, security, and reliability. As a result, many organizations are investing in retail payments platforms that can simplify operations while enabling innovation and future growth.
Modern payment infrastructures are increasingly focused on flexibility and scalability, allowing financial institutions and service providers to respond quickly to changing consumer behaviors. Payment orchestration technologies play a key role in helping organizations manage multiple payment channels through a unified platform while improving efficiency and accelerating the delivery of new services.
ACI Worldwide (NASDAQ: ACIW), a leading global provider of real-time electronic payment and banking solutions, today announced an extension of its long-term relationship with Cardtronics, the world’s largest ATM operator. Cardtronics, a long-time ACI customer, is modernizing its offerings for merchants and financial service providers through ACI’s UP Retail Payments solution – an integrated platform for all payment channels.
Cardtronics has long relied upon ACI’s Postilion integrated payments engine. Today’s expanding payments ecosystem comprises more channels, devices and payment types, which requires seamless connectivity and faster time to market, as well as flexibility and scalability. The added flexibility of UP Retail Payments, which includes the Universal Payments Framework (UPF), delivers Cardtronics the ability to thrive in today’s environment and expand its global reach.
“As the global consumer financial services industry continues its evolution, we are poised for continued growth, as we not only help our merchant and financial services partners better serve their customers, but also drive more profitability for these partners. And this growth will be supported by ACI’s flexible and scalable UP Retail Payments solution,” said Stuart Mackinnon, CIO and executive vice president, Global Operations and Technology, Cardtronics. “We have a long-standing partnership with ACI, a company with a deep understanding of transaction volumes and an extensive track record of success in working with both merchants and financial services providers.”
“Cardtronics has long delivered industry-leading reliability and services to its many thousands of global customers, which are now challenged more than ever to drive innovation and growth,” said Ruth Fornell, executive vice president, ACI Worldwide. “Leading organizations like Cardtronics continue to broaden their relationship with ACI due to the unmatched solution capabilities within UP Retail Payments.”
ACI’s UP Retail Payments is based on the Universal Payments (UP) Framework and built on open service-oriented architecture for robust payments orchestration. The solution delivers 24×7 secure payment capabilities and is currently used by 8 of the world’s top 10 banks.
As the payments industry becomes more interconnected, organizations need technology platforms that can support both current demands and future opportunities. Flexible retail payments solutions enable providers to manage increasing transaction volumes, connect new payment channels, and deliver consistent customer experiences across a wide range of services.
Investments in payment orchestration and scalable payment infrastructure will remain essential as digital payments continue to expand. Organizations that modernize their payment ecosystems will be better positioned to drive innovation, improve operational efficiency, and meet evolving customer expectations in an increasingly competitive marketplace.