ACI Pay.ON
ACI Pay.ON is a paid, white-label global payment gateway for payment service providers and acquirers.
What ACI Pay.ON is
ACI Pay.ON is a paid, white-label global payment gateway for payment service providers and acquirers. ACI says it connects to more than 300 alternative payment methods and card acquirers in over 160 countries. The combined ACI and PAY.ON solution supports in-store, mobile, and online payment experiences, with SaaS and on-premise delivery options. Its UP eCommerce Payments combines the PAY.ON gateway with ACI ReD Shield real-time fraud management. The gateway uses a RESTful open API architecture, while the Mobile Commerce SDK supports iOS and Android apps and exposes PAY.ON gateway payment methods. ACI describes the offering for PSPs, ISOs, VARs, acquirers, and other businesses providing merchant payment services. It includes cards, digital wallets, and alternative payment methods, and supports recurring payments. ACI also stated that the solution provided through PayPlug was PCI DSS Level 1 compliant. Plug-ins for major eCommerce shopping carts were included. Pricing is on request.
Good
- Connects to 300+ alternative methods
- Reaches acquirers in 160+ countries
- Supports SaaS and on-premise delivery
- RESTful API and mobile SDK
- Recurring payments supported
Watch out
- Pricing is available on request
- White-label gateway targets payment providers
- Fraud management is described within UP eCommerce Payments
- Implementation options may require integration work
Who it suits
It is designed for payment service providers, ISOs, VARs, acquirers, and other merchant payment providers. Teams needing API, SDK, mobile, web, in-store, or online payment coverage may consider it.
Verdict
ACI Pay.ON provides broad payment-method and acquirer connectivity for organizations delivering merchant payment services. Its API, SDK, deployment choices, and fraud-management combination should be assessed against your integration and channel requirements.
Plans and prices
From ACI Pay.ON's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| ACI PAY.ON Payments Gateway | Priced on request | White-label gateway · pricing not stated |
The facts
Each one read from ACI Pay.ON's own pages, with the date it was checked.
What it does
- API
- ACI describes the gateway as using a RESTful open API architecture.checked 4 Oct 2026
- Channels
- The combined ACI/PAY.ON solution supports in-store, mobile and online payment experiences.checked 4 Oct 2026
- Coverage
- ACI states the solution connects to more than 300 alternative payment methods and card acquirers in more than 160 countries.checked 4 Oct 2026
- Deployment
- ACI describes SaaS and on-premise delivery options for the combined solution.checked 4 Oct 2026
- Fraud prevention
- ACI’s UP eCommerce Payments combines the PAY.ON gateway with ACI ReD Shield real-time fraud management.checked 4 Oct 2026
- Integration
- ACI stated that UP eCommerce Payments included plug-ins for major eCommerce shopping cart solutions.checked 4 Oct 2026
- Mobile SDK
- ACI says its Mobile Commerce SDK supports iOS and Android apps and provides access to PAY.ON gateway payment methods.checked 4 Oct 2026
- Product
- PAY.ON is a white-label global payment gateway for payment service providers and acquirers.checked 4 Oct 2026
- Security
- ACI stated that the solution provided through PayPlug was PCI DSS Level 1 compliant.checked 4 Oct 2026
- Support
- ACI’s contact page invites prospective customers to contact an expert to find a solution.checked 4 Oct 2026
- Target customers
- ACI describes UP eCommerce Payments as designed for PSPs, ISOs, VARs, acquirers and others offering payment services to merchants.checked 4 Oct 2026
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