ACI Worldwide

aid: aci-worldwide
url: https://raw.githubusercontent.com/api-evangelist/aci-worldwide/refs/heads/main/apis.yml
name: ACI Worldwide
kind: company
description: 'ACI Worldwide (NASDAQ: ACIW) is a US-headquartered payment-software company that builds real-time payment, card,
  merchant/eCommerce, and bill-payment technology for banks, processors, merchants, and billers around the world. Its enterprise
  portfolio spans BASE24 card and ATM switching, the ACI Enterprise Payments Platform for real-time and ISO 20022 account-to-account
  rails, and ACI Speedpay bill payment — most of which ship as licensed, on-premise or hosted software rather than public
  self-serve APIs. ACI''s genuinely API-native surface is the ACI Open Payment Platform (the PAY.ON global payment gateway):
  a unified RESTful API documented at docs.aciworldwide.com that lets merchants and PSPs accept and manage card and alternative-payment
  transactions through Server-to-Server, COPYandPAY, Mobile SDK, BackOffice, and Pay By Link integrations, authenticated with
  an Authorization Bearer access token plus a channel entityId and complemented by PAYMENT and REGISTRATION webhook notifications.
  Its home market is the United States, inside the deep, fragmented, API-native US payments landscape.'
image: https://www.aciworldwide.com/wp-content/uploads/2021/05/cropped-android-chrome-512x512-1-192x192.png
tags:
- Payments
- United States
- Payment Gateway
- Payment Processing
- Acquiring
- Card Payments
- eCommerce
- Fraud
- Tokenization
- 3D Secure
- Bill Payment
- Real-Time Payments
- ISO 20022
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: aci-worldwide:open-payment-platform-server-to-server
  name: ACI Open Payment Platform — Server-to-Server API
  description: The core RESTful payment API of the ACI Open Payment Platform (PAY.ON gateway). Server-to-Server integration
    lets merchants and PSPs run end-to-end payment workflows — preauthorization, debit, capture, refund, and reversal — across
    cards and alternative payment methods. Requests are authenticated with an Authorization Bearer access token plus a channel
    entityId. Production host is https://eu-prod.oppwa.com and test host is https://eu-test.oppwa.com.
  humanURL: https://docs.aciworldwide.com/integrations/server-to-server
  baseURL: https://eu-prod.oppwa.com
  tags:
  - Payments
  - Server to Server
  - Card Payments
  - REST
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com/integrations/server-to-server
  - type: APIReference
    url: https://docs.aciworldwide.com/reference/parameters
  - type: GettingStarted
    url: https://docs.aciworldwide.com/integrations/widget
- aid: aci-worldwide:copyandpay
  name: ACI COPYandPAY
  description: COPYandPAY is ACI's secure, PCI-friendly embedded payments widget for merchants and integrators. It renders
    a hosted card and alternative-payment form that tokenizes and submits sensitive data directly to the Open Payment Platform,
    reducing the merchant's PCI scope while running on the same oppwa.com gateway and access-token/entityId authentication
    as the Server-to-Server API.
  humanURL: https://docs.aciworldwide.com/integrations/widget
  baseURL: https://eu-prod.oppwa.com
  tags:
  - Payments
  - Embedded Checkout
  - PCI
  - eCommerce
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com/integrations/widget
  - type: APIReference
    url: https://docs.aciworldwide.com/reference/parameters
  - type: Components
    url: components/aci-worldwide-components.yml
- aid: aci-worldwide:backoffice
  name: ACI BackOffice API
  description: BackOffice operations on the Open Payment Platform let integrators process and manage previously authorized
    transactions — captures, refunds, reversals, and related post-authorization actions — via the same RESTful oppwa.com gateway
    and bearer-token/entityId authentication.
  humanURL: https://docs.aciworldwide.com/integrations/backoffice
  baseURL: https://eu-prod.oppwa.com
  tags:
  - Payments
  - Refunds
  - Transaction Management
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com/integrations/backoffice
  - type: APIReference
    url: https://docs.aciworldwide.com/reference/parameters
- aid: aci-worldwide:pay-by-link
  name: ACI Pay By Link API
  description: Pay By Link lets merchants create secure, customizable hosted payment link pages and collect payments without
    a full checkout integration, built on the Open Payment Platform gateway.
  humanURL: https://docs.aciworldwide.com/integrations/paybylink
  baseURL: https://eu-prod.oppwa.com
  tags:
  - Payments
  - Payment Links
  - eCommerce
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com/integrations/paybylink
  - type: APIReference
    url: https://docs.aciworldwide.com/reference/parameters
- aid: aci-worldwide:mobile-sdk
  name: ACI Mobile SDK
  description: The ACI Mobile SDK lets developers accept payments inside native mobile apps, wrapping the Open Payment Platform's
    card and alternative-payment flows with device-side tokenization and 3-D Secure support against the same oppwa.com gateway.
  humanURL: https://docs.aciworldwide.com/integrations/mobile-sdk
  baseURL: https://eu-prod.oppwa.com
  tags:
  - Payments
  - Mobile SDK
  - In-App Payments
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com/integrations/mobile-sdk
  - type: APIReference
    url: https://docs.aciworldwide.com/reference/parameters
common:
- type: DomainSecurity
  url: security/aci-worldwide-domain-security.yml
- type: Website
  url: https://www.aciworldwide.com/
- type: DeveloperPortal
  url: https://docs.aciworldwide.com/
- type: Documentation
  url: https://docs.aciworldwide.com/
- type: APIReference
  url: https://docs.aciworldwide.com/reference/parameters
- type: GettingStarted
  url: https://docs.aciworldwide.com/integrations/widget
- type: Support
  url: https://docs.aciworldwide.com/support
- type: Blog
  url: https://www.aciworldwide.com/blog
- type: TermsOfService
  url: https://www.aciworldwide.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.aciworldwide.com/privacy-policy
- type: Authentication
  url: authentication/aci-worldwide-authentication.yml
- type: Conventions
  url: conventions/aci-worldwide-conventions.yml
- type: ErrorCatalog
  url: errors/aci-worldwide-result-codes.yml
- type: DeclineCodes
  url: errors/aci-worldwide-decline-codes.yml
- type: Webhooks
  url: asyncapi/aci-worldwide-webhooks.yml
- type: Lifecycle
  url: lifecycle/aci-worldwide-lifecycle.yml
- type: ChangeLog
  url: https://docs.aciworldwide.com/reference/release-notes
- type: ChangeLog
  url: changelog/aci-worldwide-changelog.yml
- type: Sandbox
  url: sandbox/aci-worldwide-sandbox.yml
- type: Components
  url: components/aci-worldwide-components.yml
- type: Conformance
  url: conformance/aci-worldwide-conformance.yml
- type: Compliance
  url: conformance/aci-worldwide-conformance.yml
- type: Packages
  url: packages/aci-worldwide-packages.yml
- type: SDKs
  url: packages/aci-worldwide-packages.yml
- type: LLMsTxt
  url: llms/aci-worldwide-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com