ACI Worldwide announced ACI Connetic for eight major U.S. networks on a single, cloud-native platform. ACI Connetic enables connectivity to Fedwire, CHIPS, Swift, The Clearing House RTP, Zelle and FedNow, with Nacha ACH (FedACH and EPN) connectivity expected for customers next year. It also supports stablecoin and tokenized-deposit capabilities, providing a unified approach across traditional, instant and digital-asset payment rails.
ACI Connetic supports eight major U.S. networks on a single cloud-native platform.
58% of instant-payment-enabled banks now run both FedNow and RTP in parallel.
Nearly 1,700 institutions participate in FedNow.
RTP processed $1.3 trillion in payments in 2025.
ACH Network handled 35.2 billion payments valued at $93 trillion.
Fraud detection built directly into transaction workflows for Nacha compliance.
The speed and scale of this shift toward multi-rail payments continue to increase. Nearly 1,700 institutions now participate in FedNow. The Clearing House RTP processed $1.3 trillion in payments in 2025, with more than 340,000 businesses and seven million consumers sending a payment each month. The ACH Network handled 35.2 billion payments valued at $93 trillion. At the same time, 58% of instant-payment-enabled banks now run both FedNow and RTP in parallel, often duplicating compliance controls, fraud monitoring and exception management across multiple platforms. ACI Connetic eliminates this fragmentation by consolidating multiple clearing connections and payment types onto one resilient, scalable, cloud-native SaaS platform.
The inclusion of FedNow and The Clearing House RTP alongside established high-value and cross-border rails reflects growing demand for platforms capable of supporting instant payments at scale. With many institutions now operating both instant-payment systems in parallel, multi-rail orchestration has become an operational necessity rather than a future scenario. With Nacha ACH in active development, ACI Connetic will apply the same cloud-native design principles to batch payments, creating a long-term foundation for institutions modernizing across all U.S. clearing types.
ACI Worldwide's Fraud and Financial Crime solution is built directly into ACI Connetic transaction workflows, providing embedded fraud detection across payment rails rather than requiring separate bolt-on systems. This architecture directly supports compliance with the Nacha fraud monitoring rules that took effect March 20, 2026. The expansion of U.S. clearing connectivity builds on ACI Connetic's growing global momentum, as financial institutions worldwide adopt a more unified approach to payments modernization. In March 2026, ACI launched ACI Connetic for Cards, extending the platform to card issuing, acquiring and ATM processing.
Conclusion
As Craig Ramsey, senior vice president and head of account-to-account payments at ACI Worldwide, stated: "Banks didn't set out to run eight payment systems in parallel, but that's the reality today, and it's driving real operational risk. Every new rail adds controls, compliance and technical debt."
Thomas Warsop, president and CEO of ACI Worldwide, added: "Banks are no longer modernizing one rail at a time; they're being asked to modernize everything at once. That's why we built ACI Connetic. It brings instant, high-value and batch payments together on one cloud-native platform, giving institutions a simpler, more resilient foundation to move faster today while confidently preparing for what's next."
Engineered for flexible deployment, including on major cloud infrastructures, on premises, hybrid cloud and multi-cloud, ACI Connetic provides the agility, scale and reliability financial institutions need to modernize with confidence in an instant payments economy.
About ACI Worldwide
ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With nearly 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.
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