ACI Worldwide is the leading provider of secure, omni-channel payment systems to retailers globally. Our Universal Payment – UP – Retailer Payments solution supports a variety of in-store, eCommerce digital channels providing the framework for retailers to create and manage a customer-centric experience that spans from earning new sales through dynamic rewards programmes to ensuring optimum customer service with refunds management. ACI’s advanced fraud prevention and payment data security tools reduce merchant risk while protecting the bottom line and protecting brand. ACI powers electronic payments and banking for more than 5,600 financial institutions, retailers and processors globally. Through our comprehensive suite of software products and hosted services, we deliver a broad range of solutions for payment processing; card and merchant management; online banking; mobile, brand and voice banking; fraud detection; trade finance; and electric bill presentment and payment. To learn more about ACI, please visit . You can also find us on Twitter @ACI_Worldwide.