Postilion is ACI Worldwide’s payments processing platform: a modular system used by banks, processors and merchants to authorise, route and settle electronic payments across every channel they run. Its open-systems design lets internal and external channels exchange information through a single switch rather than a series of point integrations.
The group licenses, hosts, extends and operates it. Three production instances run in-country: a PCI DSS cloud cardholder-data environment, an issuing instance and a hosted acquiring instance, and institutions that want the rails without the estate take it as Postilion-as-a-Service.
ACI software, domestic cloud and engineers who work the platform daily: that combination is what turns the switch behind the sector into a managed service rather than a project.
Postilion-as-a-ServiceGroup-hosted switching on the domestic private cloud
Specialist engineeringPostilion engineers, integration teams and consulting capability in-house
Authorised ACI resellerLicences, platform and managed service from one partner
Four modules, one platform
Postilion is delivered as a set of modules that can be taken together or in part.
Postilion RealtimeOnline transaction processing. Maintains transaction integrity and security, controls routing, performs stand-in authorisation, handles currency conversion, and provides terminal monitoring and event logging.
Postilion OfficeBack-office processing for everything after the transaction: near-real-time monitoring and analysis, run without loading the Realtime path.
PostCardCard management services for issuers, covering the card lifecycle.
eSocketThe interface layer. Lets external systems and devices connect to Realtime through published APIs, including on third-party hardware.
Every channel, one switch
ATMPoint of saleSelf-service terminalsInternetKiosksCall centresMobile
What it processes
Card types and formatsDebit, prepaid and gift cards, in EMV, contactless and magnetic-stripe formats.
Transaction typesPurchases, cash withdrawals, refunds, transfers, bill payments, wire transfers, pre-payments, recharges and statements.
Cryptographic processingPIN generation and verification, EMV processing, 3DES, and key lifecycle management.
Value-added servicesDynamic currency conversion, foreign-exchange dispensing, prepaid top-up, velocity and balance checking, and stand-in authorisation.
