ACI Worldwide launches Connetic to unify eight US payment rails

By Aarav Garg

ACI Worldwide has launched ACI Connetic for eight major U.S. payment networks, as banks face growing complexity from managing multiple clearing rails across separate systems.

The platform provides connectivity to Fedwire, CHIPS, SWIFT, The Clearing House RTP, Zelle and FedNow. Connectivity to Nacha ACH networks, including FedACH and EPN, is expected next year. The system also supports stablecoin and tokenised-deposit capabilities.

“Banks are no longer modernising one rail at a time; they’re being asked to modernise everything at once,” said Thomas Warsop, president and CEO of ACI Worldwide. “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.”

ACI said the launch responds to increasing operational pressure on banks running parallel payment infrastructures. According to the company, 58% of instant-payment-enabled banks now operate both FedNow and RTP, often duplicating fraud controls, compliance checks and exception management across separate platforms.

The shift reflects broader growth in U.S. digital payments. FedNow participation has risen to nearly 1,700 institutions, while RTP processed $1.3 trillion in payments in 2025. The ACH network handled 35.2 billion payments valued at $93 trillion.

ACI Connetic is designed as a software-as-a-service platform that consolidates multiple payment types onto one operating environment. The company said built-in fraud and financial crime tools are embedded directly into transaction workflows rather than added through separate systems.

The U.S. rollout builds on ACI’s wider global payments modernisation strategy. The company said customers in Europe and the UK are already using Connetic to streamline domestic and cross-border payment schemes as institutions upgrade legacy infrastructure and prepare for higher instant-payment volumes.