ACI Worldwide (NASDAQ: ACIW) announced that its ACI Connetic platform now supports eight major U.S. payment networks on a single cloud-native system. The platform enables connectivity to Fedwire, CHIPS, Swift, The Clearing House RTP, Zelle and FedNow, with Nacha ACH connectivity expected next year.

The announcement comes as 58% of instant-payment-enabled banks now operate both FedNow and RTP systems in parallel, according to the U.S. Faster Payments Council's 2025 Faster Payments Barometer. This parallel operation often requires duplicate compliance controls, fraud monitoring and exception management across multiple platforms.

Nearly 1,700 institutions currently participate in FedNow. The Clearing House RTP processed $1.3 trillion in payments in 2025, with more than 340,000 businesses and seven million consumers sending payments monthly. The ACH Network handled 35.2 billion payments valued at $93 trillion.

"Banks didn't set out to run eight payment systems in parallel, but that's the reality today, and it's driving real operational risk," said Craig Ramsey, senior vice president and head of account-to-account payments at ACI Worldwide. "Every new rail adds controls, compliance and technical debt."

The platform consolidates multiple clearing connections and payment types into one system, supporting traditional, instant and digital-asset payment rails. ACI Connetic includes stablecoin and tokenized-deposit capabilities.

The company's fraud detection system is integrated directly into ACI Connetic transaction workflows, providing embedded fraud detection across payment rails. This architecture supports compliance with Nacha fraud monitoring rules that took effect March 20, 2026.

ACI Worldwide previously launched ACI Connetic for Cards in March 2026, extending the platform to card issuing, acquiring and ATM processing. European customers already use ACI Connetic to consolidate domestic and international payment schemes.