ACI Acquirer and Issuer

Content
• ACI Acquirer Overview
• Introduction
• The Acquirer Business
• ACI Acquirer Functions
• ACI Back Office Suite
• Life of Transaction

• ACI Issuer Overview

• Introduction
• The Issuing Business
• ACI Issuer Functions
• ACI Back Office Suite
ACI Acquirer Overview
• Introduction
• Merchant management system
• Install in acquiring institution
The Acquirer Business

Process debit and/

Provide card
Or credit payments
The Acquirer Business Con’d

Issue
The Acquirer Business Con’d

Issue

Initiate
The Acquirer Business Con’d

Send

Issue
Receive

Initiate
The Acquirer Business Con’d

Send route

Issue
Receive

Initiate
The Acquirer Business Con’d
 ACI Acquirer Functions
1. Agreement Terms – maintain the merchant account details in the form of a
merchant agreement which includes processing parameters for that merchant.
2. Account opening – fee, event, contact and other configuration
3. Merchant services – provides access to merchant and transaction data
including the ability to enter financial adjustments to merchant accounts
4. Fraud Monitoring – automatically block a merchant's based on current
configured fraud control settings
5. Posting
6. Settlement
7. Billing
ACI Back Office Suite
ACI Back Office Suite Con’d
Life of a Transaction

ATM or POS
Life of a Transaction Con’d
Life of a Transaction Con’d
Life of a Transaction Con’d
Life of a Transaction Con’d
ACI Issuer Overview
• Introduction
• Handles the customer services function for issuing
organization
• Manage card and account
The Issuing Business
The Issuing Business Con’d
ACI Issuer Functions
ACI Back Office Suite
ACI Back Office Suite Con’d