A range of modules and options are available for ACI Retail Commerce Server that allow users to customize their system to meet their own unique business requirements.
ACI Retail Commerce Server OnDemand
ACI Retail Commerce Server OnDemand is more than a hosted-service; it is a key ingredient for retailers to reduce their overall transaction processing fees. Using ACI's software-as-a-service approach retailers can control their payments environment without the hardware and operational costs associated with owning a payment engine. Deploying ACI Retail Commerce Server OnDemand also allows retailers to reduce the scope of PCI compliance and further reduce their transaction processing costs.
ACI Retail Commerce Server for Rewards Management
Create promotional programs that deliver value to your customers. The cost to support issuer-based programs is continually increasing, which means customers are no longer receiving a valuable reward – or it takes too long to build enough points for a reward. For leading edge retailers, this is an opportunity to regain ownership of loyalty programs and drive new sales to stores.
The Retail Commerce Server Rewards Management solution maintains retailer promotional programs and manages the communication to the point of sale, allowing delivery of rewards in real time – providing immediate gratification to customers.
ACI Retail Commerce Server for rewards management
ACI Retail Commerce Server for Refunds
Reduce losses from fraudulent refund activity. The solution validates returns online, providing powerful protection against refund fraud. Retail Commerce Server manages a systematic approach to handling refunds for both brick-and-mortar and virtual sites, allowing retailers to maintain consistent, accurate refund policies across retail channels.
ACI Retail Commerce Server for refunds
Payment services
The core of ACI Retail Commerce Server; securely acquires, authorizes, routes and settles all major and market-specific credit, debit, check and alternative electronic payments based upon your organizations acceptance rules. Transaction security, integrity, availability and speed are key features of the solution. Delivered as Software as a Service with transaction tokenization enabling retailer’s to achieve a high-level of compliance with data security standards.
Transaction manager
The network and communications handler for the solution enables integration with all of the major POS providers and acquirer’s in the payments market. The solution manages multiple TCP/IP sockets to achieve marketing transaction speed while providing a management dashboard to ensure optimal availability and performance is being achieved.
Front end interfaces
The Retail Commerce Server provides standardized message and protocol support for most of the major point-of-sale providers. This comprehensive approach enables the retailer to choose the best interface for their environment and to streamline implementations and system upgrades.
Authorizers
ACI Retail Commerce Server provides standardized settlement files and processing for most of the major acquirers and all major card types. This comprehensive approach to the payments market allows retailers to process transactions for all major electronic transactions inclusive of credit, debit, fleet, EBT, prepaid and mobile top-up providers.
Internet gateway
The Internet Gateway provides a secure portal into ACI Retail Commerce Server. Transactions acquired on Retailer’s websites or using Internet Protocol are securely acquired and routed to ACI Retail Commerce Server for processing. Internet Gateway also supports batch authorization for mail order/telephone order merchants and order management to process the financial transaction after the order has been fulfilled.
ACH Management
The ACH Management solution allows a retailer to electronically draft a customer’s bank account when purchasing goods. By leveraging the lower cost, Automated Clearing House network, to process electronic payments, retailers can process payments quickly, efficiently and a much lower cost than credit and most debit transactions. The Check Management solution can be utilized for ACH transactions, reducing the risk of loss and facilitating collection of returned ACH items.
ACI Retail Commerce Server ACH payment option solution
ACI Retail Commerce Server for RCK
ACI Retail Commerce Server for RCK provides an electronic system for check re-presentment that can reduce retailers’ costs and increase collection rates substantially better than those achieved using the paper clearing process. Retail Commerce Server allows retailers to transmit automated clearing house (ACH) debit entries and collect checks returned for insufficient funds. Furthermore, the system eliminates the need to re-submit paper returned checks to financial institutions.
ACI Retail Commerce Server for RCK
ACI Retail Commerce Server for Electronic Payment Acceptance
Capture and authorize customer payments at the point of purchase, to provide a fast, convenient and cost-effective method for processing a wide variety of electronic payment types. The solution can be tailored to help retailers achieve their business objectives from the point of transaction initiation to real-time processing to back-office settlement and collections.
ACI Retail Commerce Server for Electronic Payment Acceptance
Value card
The Value Card management solution enables a retailer to implement their own prepaid card programs, such as a gift, loyalty, payroll or check cashing cards. The solution includes the ability to personalize accounts and, through an open architecture approach, can be exposed to allow customers to perform self-service functions like balance inquiry and statement review. All prepaid transaction types to add value and authorize are supported.
ACI Retail Commerce Server for Gift and Proprietary Card Management
Centralize customer information to support the issuance and acceptance of prepay and post-pay tokens. Whether it’s a stored value card program targeted to charity organizations or an accounts receivable card allowing a consumer to purchase products as efficiently as with a credit card, Retail Commerce Server provides all the tools necessary to manage these programs in house.
ACI Retail Commerce Server for Gift and Proprietary Card Management
Disaster recovery
The Disaster Recovery module maintains a “warm backup” of ACI Retail Commerce Server on a server running in standby mode. The solution retrieves transaction logs from the primary server on a scheduled basis to update the secondary server. In the event the primary server should go out of service, a fail-over script is invoked and begins sending all transaction to the secondary server.
Active:Active
ACI Retail Commerce Server is now available in highly available active:active configuration. This allows multiple instances of the application and multiple instances of the database to run as companions and have the database automatically replicate based upon a timing variable.
Proprietary charge
The Proprietary Charge module allows retailers to internally authorize transactions instead of routing to an issuer host system. Typically, retailers use proprietary charge to automate their charge accounts into an electronic process instead of the manual billing. However, the solution is delivered around the concept of automating an import / export process to accurately authorize transactions and maintain appropriate usage limits. Retailers use this solution to improve customer service when external network connectivity is interrupted.
ACI Retail Commerce Server for Check Authorization
A centralized check authorization system that lets the retailer determine and enforce its check cashing policy. It provides a fast, convenient method for authorizing checks while limiting a retailer’s exposure to bad check losses from check runners, organized fraud schemes, checks written on closed accounts, and checks from those who consistently write non-sufficient funds (NSF) checks.
ACI Retail Commerce Server for Check Authorization
Check recovery
Check Recovery allows a retailer to automatically submit a check returned as Non-Sufficient Funds into the Automated Clearing House network. The solution automatically represents checks that are returned based on rules as established by NACHA. For each check representment, a schedule is created defining the dates and the number of times the representment can occur. Once represented, a ‘holding period’ is used before the payment is posted to the customer’s outstanding check record to ensure the representment was successful.
ACI Retail Commerce Server for Collections
Application designed to handle the entire life cycle of a returned check — from the day it is returned and entered into the system to the day it is settled or written off.
ACI Retail Commerce Server for Collections
Customer management
The Customer Management system can personalize value card, check management, rewards management and ACH management solutions. This component stores customer data to issue personalized cards, hold transit routing and account data for ACH and to personalize rewards programs. All sensitive customer data is encrypted making the data unreadable and reducing the probability of the data being breached.
Customer telephone interface
The Customer Telephone Interface enables retailers to provide an automated self-service solution to their customers. For Check Management customers, the solution provides information about the checks and payments made. This module allows customers the ability to record promise to pay dates twenty-four hours a day. For Value Card Management customers, retailers can make balance inquiry and transactional information available via the interface.