Aciworldwide

ACI Worldwide is a global real-time payments software company (NASDAQ: ACIW) whose Open Payment Platform — the PAY.ON / OPPWA gateway — exposes a single unified RESTful API for accepting and managing electronic payments worldwide. Merchants and payment intermediaries integrate card and alternative payment methods through server-to-server calls, the hosted COPYandPAY widget, mobile SDKs, and Pay by Link. The API covers payments, checkouts, tokenization and registrations, back-office capture/refund/reversal operations, 3-D Secure, fraud and risk management, recurring/scheduled payments, webhooks for transaction notifications, and reporting. Test transactions run against eu-test.oppwa.com and go live on eu-prod.oppwa.com. This profile was added to the API Evangelist network as a portfolio lead and enriched by the pipeline.

Aciworldwide publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Payment Gateway, Real-Time Payments, and eCommerce.

The Aciworldwide catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Aciworldwide’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

42.9/100 thin ▬ flat Agent 27/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

1 APIs

CompanyPaymentsPayment GatewayReal-Time PaymentseCommerceFraud ManagementTokenizationFinancial Services

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 42.9/100 · thin

Contract Quality 5.7 / 25

Developer Ergonomics 13.0 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 1.0 / 13

Governance 0.0 / 12

Discoverability 9.3 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/aciworldwide: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Components

Webhooks

Build 3

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Packages

Packages

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

Compliance

DomainSecurity

Authentication

TrustCenter

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: aciworldwide
name: Aciworldwide
description: 'ACI Worldwide is a global real-time payments software company (NASDAQ: ACIW) whose Open Payment Platform — the
  PAY.ON / OPPWA gateway — exposes a single unified RESTful API for accepting and managing electronic payments worldwide.
  Merchants and payment intermediaries integrate card and alternative payment methods through server-to-server calls, the
  hosted COPYandPAY widget, mobile SDKs, and Pay by Link. The API covers payments, checkouts, tokenization and registrations,
  back-office capture/refund/reversal operations, 3-D Secure, fraud and risk management, recurring/scheduled payments, webhooks
  for transaction notifications, and reporting. Test transactions run against eu-test.oppwa.com and go live on eu-prod.oppwa.com.
  This profile was added to the API Evangelist network as a portfolio lead and enriched by the pipeline.'
url: https://raw.githubusercontent.com/api-evangelist/aciworldwide/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- norwest-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.aciworldwide.com/wp-content/uploads/2024/07/ACI-Worldwide-Blue-No-Tagline.png
tags:
- Company
- Payments
- Payment Gateway
- Real-Time Payments
- eCommerce
- Fraud Management
- Tokenization
- Financial Services
apis:
- name: ACI Open Payment Platform (PAY.ON / OPPWA) REST API
  description: A single unified RESTful API for accepting and managing electronic payments — payments, checkouts, tokenization/registrations,
    back-office operations, 3-D Secure, risk/fraud, recurring payments, and webhook notifications. Server-to-server integration,
    the hosted COPYandPAY widget, and mobile SDKs.
  humanURL: https://docs.aciworldwide.com
  baseURL: https://eu-prod.oppwa.com/v1
  image: https://www.aciworldwide.com/wp-content/uploads/2024/07/ACI-Worldwide-Blue-No-Tagline.png
  tags:
  - Payments
  - Payment Gateway
  - REST
  properties:
  - type: Documentation
    url: https://docs.aciworldwide.com
  - type: APIReference
    url: https://docs.aciworldwide.com/reference
  - type: GettingStarted
    url: https://docs.aciworldwide.com/tutorials
  - type: Authentication
    url: authentication/aciworldwide-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://aciworldwide.com
- type: DeveloperPortal
  url: https://aciww-production.apigee.io/
- type: Documentation
  url: https://docs.aciworldwide.com
- type: APIReference
  url: https://docs.aciworldwide.com/reference
- type: GettingStarted
  url: https://docs.aciworldwide.com/tutorials
- type: Support
  url: https://www.aciworldwide.com/support
- type: Blog
  url: https://www.aciworldwide.com/blog
- type: SignUp
  url: https://aciww-production.apigee.io/
- type: TermsOfService
  url: https://www.aciworldwide.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.aciworldwide.com/privacy-policy
- type: Compliance
  url: https://www.aciworldwide.com/pci-dss-v4
- type: DomainSecurity
  url: security/aciworldwide-domain-security.yml
- type: Authentication
  url: authentication/aciworldwide-authentication.yml
- type: Conventions
  url: conventions/aciworldwide-conventions.yml
- type: ErrorCatalog
  url: errors/aciworldwide-result-codes.yml
- type: DeclineCodes
  url: errors/aciworldwide-decline-codes.yml
- type: Sandbox
  url: sandbox/aciworldwide-sandbox.yml
- type: Lifecycle
  url: lifecycle/aciworldwide-lifecycle.yml
- type: Conformance
  url: conformance/aciworldwide-conformance.yml
- type: TrustCenter
  url: security/aciworldwide-trust-center.yml
- type: Packages
  url: packages/aciworldwide-packages.yml
- type: SDKs
  url: packages/aciworldwide-packages.yml
- type: Components
  url: components/aciworldwide-components.yml
- type: Webhooks
  url: asyncapi/aciworldwide-webhooks.yml
- type: WellKnown
  url: well-known/aciworldwide-well-known.yml
- type: LLMsTxt
  url: llms/aciworldwide-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Aciworldwide

Kin Score

APIs 1

ACI Open Payment Platform (PAY.ON / OPPWA) REST API

Event Specifications 1

Aciworldwide Webhooks

Security Posture 3

Aciworldwide Authentication

Aciworldwide Domain Security

Aciworldwide Trust Center

Resources