ACI Worldwide, a pioneering innovator in global payments technology, announced on September 29, 2025, that Solaris SE, Europe’s leading embedded finance platform, has chosen to consolidate all of its SEPA instant payments onto ACI Connetic, ACI’s state-of-the-art cloud-native payments platform. This partnership marks a significant step in Solaris’ digital transformation, leveraging ACI Connetic’s unified architecture to enhance payment flexibility, compliance, and innovation for its Banking-as-a-Service (BaaS) offerings across Europe.
ACI Connetic is the industry’s only unified solution that seamlessly integrates account-to-account (A2A) payments, card processing, and AI-powered fraud prevention within a single, modular, cloud-native architecture. It enables financial institutions to simplify operations, accelerate innovation, and meet evolving regulatory requirements in a more agile and cost-effective manner.
Solaris SE, a German technology company with a full banking license, enables European businesses to integrate compliant digital banking services into their products. By migrating its instant payments infrastructure to ACI Connetic, Solaris will enhance the flexibility and performance of its banking services, supporting its partners and their customers across Europe.
“The migration of our instant payment capabilities to ACI Connetic marks a key milestone in Solaris’ digital transformation and growth journey,” said Carsten Höltkemeyer, CEO of Solaris SE. “It future-proofs our payments infrastructure, accelerates service innovation, and strengthens the value we deliver to our partners and their customers across Europe.”
“ACI Connetic represents a step change in our commitment to supporting financial institutions as they navigate the complexity of the global payments landscape,” said Tom Warsop, CEO and President of ACI Worldwide. “In an environment where payments are becoming increasingly complex and regulatory requirements are becoming more stringent, ACI Connetic offers the agility, resilience, and innovation needed to drive digital transformation, deliver sustainable growth, and ensure long-term success.”
This partnership is the first step in a larger payments modernization project for Solaris, enabling new payment offerings in additional markets and strengthening its ability to navigate the complex regulatory and technological landscape of digital banking solutions. ACI Connetic will help Solaris quickly onboard new BaaS customers, generate new revenue streams, and maintain the highest security and compliance standards, aligning with European regulatory frameworks like SEPA and GDPR.
“The partnership between ACI Worldwide and Solaris demonstrates both companies’ commitment to shaping the future of embedded finance and digital payments in Europe,” said Richard Albery, European Business Director at ACI Worldwide. “By leveraging ACI Connetic, Solaris is ideally positioned to lead the next wave of banking innovation by offering seamless, secure, and scalable financial services to its growing ecosystem of partners.”
As of September 29, 2025, ACI Worldwide (NASDAQ: ACIW) stock is priced at $52.12, slightly down from $52.26 the previous day, with a market cap of $5.39 billion (see finance card above). Over the past year, ACIW has shown resilience, recovering from a low of $42.56 in July 2025 to a year-to-date high of $59.71, reflecting investor confidence in its payment technology innovations.
This partnership aligns with broader industry trends toward real-time, AI-driven payment solutions, as seen in Visa’s VCS Hub, Finastra’s Intelligent Routing Module, and Thunes’ Pay-to-Banks solution, all emphasizing seamless, compliant, and efficient payment ecosystems. Solaris’ adoption of ACI Connetic positions it to capitalize on the growing $145 trillion commercial payments market, enhancing its leadership in embedded finance.
ACI Worldwide is a pioneering innovator in global payments technology. The company delivers transformative software solutions that intelligently orchestrate real-time payments. This enables banks, billers, and merchants to drive growth while continuously modernizing their payments infrastructures, simply and securely. With 50 years of proven payments expertise, we combine global and local presence to deliver enhanced payment experiences while staying ahead of the ever-evolving challenges and opportunities in the payments industry.
Solaris SE is Europe’s leading embedded finance platform. Its full German banking license and proprietary modular B2B technology stack enable its partners, from SMEs to large non-financial multinationals, to offer compliant, customer-centric banking services. The company aims to deliver a seamless experience to its customers, regardless of their industry. Founded in 2015, solaris pioneered the Banking-as-a-Service market with an unrivaled combination of technology and banking services.
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