# ACI Worldwide

**Canonical:** https://apis.io/providers/aci-worldwide/  
**Website:** https://www.aciworldwide.com/  
**APIs profiled:** 5

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.

## Kin Score — 50.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 50.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 68.8 (matched via tags).

## Agent readiness — 36.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (5)

- **ACI Open Payment Platform — Server-to-Server API** — 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 — preauthor...
- **ACI COPYandPAY** — 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...
- **ACI BackOffice API** — BackOffice operations on the Open Payment Platform let integrators process and manage previously authorized transactions — captures, refunds, reversals, and related post-authori...
- **ACI Pay By Link API** — 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 gat...
- **ACI Mobile SDK** — 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 tokenizati...

## MCP servers (1)

- **ACI Worldwide MCP Server**

## Security (2)

- **Aci Worldwide Authentication** — http/apiKey · 2 schemes
- **Aci Worldwide Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Payments, United States, Payment Gateway, Payment Processing, Acquiring, Card Payments, E-Commerce, Fraud, Tokenization, 3D Secure, Bill Payments, Real-Time Payments, ISO 20022

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/aci-worldwide/). Scores are computed from the provider's own public artifacts under a published rubric.