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FIS

FIS

Enterprise banking and capital markets technology

VS

ACI Worldwide

Real-time payments

ACI Worldwide
Fees from
Custom vs Custom
Features

1 shared

1 unique to ACI Worldwide
Regions

5 shared

1 unique to FIS · 2 unique to ACI Worldwide
Pay methods

8 shared

6 unique to FIS · 11 unique to ACI Worldwide

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2 features · 25 payment methods · 8 regions. We don't rank these — they're here for reference.
FIS FIS
ACI Worldwide ACI Worldwide
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–2 business days
Same day
Founded
1968
1975
Headquarters
Jacksonville, Florida, United States
Elkhorn, Nebraska, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
ACI Worldwide leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
ACI Worldwide leads (19 vs 14)
Ach
✓
✓
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Faster Payments Unique
—
✓
Fednow Unique
—
✓
Google Pay Unique
✓
—
Jcb
✓
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Open Banking Unique
—
✓
P2p Transfer Unique
—
✓
Qr Code Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Swift Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Wire Transfer Unique
—
✓
Regions
ACI Worldwide leads (7 vs 6)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
✓
—

FIS is best when you...

Enterprise banking and capital markets technology
Want coverage in Southeast Asia
ACI Worldwide doesn't cover this region
View FIS

ACI Worldwide is best when you...

Real-time payments
Need Instant Payout
Not available with FIS
Want coverage in Africa, Middle East
FIS doesn't cover these regions
View ACI Worldwide

Frequently Asked Questions

What is the difference between FIS and ACI Worldwide?
They share 8 payment methods and 5 regions. FIS adds Apple Pay, Bank Transfer, Credit Card and 3 more that ACI Worldwide does not list; ACI Worldwide adds Digital Wallet, Faster Payments, FedNow and 8 more that FIS does not list; FIS also covers Southeast Asia; ACI Worldwide also covers Africa, Middle East.
Which is cheaper, FIS or ACI Worldwide?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use FIS and ACI Worldwide?
FIS lists 6 regions and 14 payment methods; ACI Worldwide lists 7 and 19. both cover Asia, Europe, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do FIS and ACI Worldwide compare on integration and settlement?
both offer a sandbox; both support webhooks; FIS settles in 1–2 business days, ACI Worldwide in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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