ACI Worldwide Adds Paze ℠ Online Checkout from Early Warning Services to Pay.On Platform, Expanding Wallet Options for U.S. Consumers

ACI Worldwide (NASDAQ: ACIW) is integrating Paze online checkout from Early Warning Services into its Pay.On payment orchestration platform, expanding wallet options for U.S. consumers.

Rhea-AI Summary

ACI Worldwide (NASDAQ: ACIW) is integrating Paze online checkout from Early Warning Services into its Pay.On payment orchestration platform, expanding wallet options for U.S. consumers.

The integration lets merchants enable Paze via a single Pay.On connection instead of building a separate integration. Paze is supported by seven major U.S. banks and secures card data with tokenization and digital authentication. The partnership aims to support up to 16 million U.S. ecommerce transactions across ACI's merchant base in 2026 and covers more than 150 million credit and debit cards added to Paze. Launch is slated for early 2026.

Positive

• Single Pay.On connection to enable Paze wallet
• Expected support for up to 16 million U.S. transactions in 2026
• Adds U.S. bank-offered wallet to Pay.On wallet coverage
• Paze already supported by seven major U.S. banks
• Access to over 150 million cards added to Paze

Negative

• None.

Argus Jan 12 session

+0.71% close to close Open Argus

Details

News Market Reaction – ACIW

On Jan 12, the day this news came out, ACIW closed 0.71% above the previous close.

Data tracked by StockTitan Argus for the Jan 12 session.

Key Figures

Annual payments volume: $7 trillion Supported ecommerce transactions: 16 million Participating large banks: 7 banks +1 more

Annual payments volume

$7 trillion

Payments powered annually by ACI Worldwide platforms

Supported ecommerce transactions

16 million

Expected U.S. ecommerce transactions via Paze on ACI’s merchant base in 2026

Participating large banks

7 banks

Number of the nation’s largest banks currently supporting Paze

Cards in Paze

150 million

Credit and debit cards added to the Paze checkout solution

Historical Context

5 past events · Latest: Dec 11

5 events

1. Dec 11

   Industry outlook report

   24h Move

   +1.4%

   Report on 2026 payments disruption and need for modernization and AI orchestration.

2. Dec 10

   Partnership win

   24h Move

   +1.4%

   BanKo selects ACI platform to modernize payments infrastructure across multiple channels.

3. Dec 09

   Customer deployment

   24h Move

   +0.5%

   LLP Exotic Auto Finance adopts ACI Speedpay to digitize billing and reduce manual work.

4. Dec 02

   Survey findings

   24h Move

   +0.7%

   Global survey highlights readiness gaps, reinforcing need for scalable modern payment platforms.

5. Nov 25

   Fraud outlook

   24h Move

   +1.0%

   Holiday fraud and volume forecasts showcase ACI’s fraud decisioning and eCommerce insights.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

digital wallet, tokenization, payment orchestration platform

3 terms

digital wallet financial

"giving U.S. consumers access to a digital wallet offered by participating banks"

A digital wallet is a secure electronic tool that stores your payment information, such as credit card details and bank account numbers, allowing you to make transactions online or with your mobile device. It functions like a virtual wallet in your pocket, making it easier and faster to pay without carrying physical cards or cash. For investors, it represents a key component of modern financial technology that enables quick, contactless payments and digital financial management.

tokenization technical

"with added security through tokenization, and seamless digital authentication"

Tokenization is the process of converting real-world assets or rights into digital tokens stored on a computer network. This allows assets, such as property or investments, to be divided into smaller parts, making them easier to buy, sell, or transfer electronically. For investors, tokenization can increase access to a wider range of investments and make transactions faster and more efficient.

payment orchestration platform technical

"into its Pay.On payment orchestration platform, giving U.S. consumers access"

A payment orchestration platform is a software layer that coordinates how a business accepts and processes payments, routing transactions through multiple payment providers, fraud checks, and payout methods much like a travel agent booking the best combination of flights and transfers. For investors, it matters because it can lower costs, reduce failed transactions, speed up checkout, and make revenue more reliable by allowing a company to switch or add payment services without rebuilding its systems.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Bank-offered digital wallet joins orchestration layer as consumer adoption accelerates 

OMAHA, Neb., Jan. 12, 2026 /PRNewswire/ -- ACI Worldwide (NASDAQ: ACIW), which powers $7 trillion in payments annually, is integrating Paze online checkout from Early Warning Services, into its Pay.On payment orchestration platform, giving U.S. consumers access to a digital wallet offered by participating banks and credit unions. 

The move comes as merchants face increasing pressure to support more purchasing options without managing a growing stack of integrations. By adding Paze to Pay.On, ACI allows merchants to enable the wallet through a single connection rather than building and maintaining another standalone integration. 

Paze is an online checkout solution developed by Early Warning Services that is offered by participating banks and credit unions in the U.S. Currently, seven of the nation's largest banks including Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank and Wells Fargo support Paze. The convenient Paze checkout experience enables consumers to complete their purchase online with added security through tokenization, and seamless digital authentication.

"Every new checkout option used to mean another integration project, another vendor relationship, another support headache," said Tom Warsop, CEO of ACI Worldwide. "Pay.On changes that equation. Merchants connect once to our orchestration layer and can turn on Paze, or other wallets without touching their core systems." 

The integration is expected to help support up to 16 million U.S. ecommerce transactions across ACI's merchant base in 2026. Merchants using Pay.On will be able to present Paze at checkout alongside credit cards and debit cards. 

"As digital commerce continues to accelerate, merchants are under increasing pressure to deliver a checkout experience that is both seamless and secure," said Serge Elkiner, General Manager at Paze. "Through this collaboration with ACI, we're making it simple for merchants to support the more than 150 million credit and debit cards that have been added to the Paze checkout solution, which offers an easy way to check out online with added security because full card numbers aren't shared with merchants."

For ACI, the partnership expands Pay.On's wallet coverage beyond established players, adding a U.S. option as digital wallet usage continues to rise. Pay.On supports dozens of payment methods globally and serves merchants ranging from small businesses to large enterprise retailers. 

The Paze integration is slated to launch in early 2026. 

About ACI Worldwide
ACI Worldwide powers electronic payments for financial institutions, retailers, and processors around the world with software that processes $7 trillion in payments and securities transactions annually. Founded nearly 50 years ago, ACI serves approximately 6,000 organizations in more than 80 countries. Visit aciworldwide.com to learn more. 

About Paze 
Paze ℠ is a reimagined online checkout solution that banks and credit unions offer to consumers and merchants, combining all eligible debit and credit cards into a single wallet and eliminating manual card entry. Solving long-standing challenges in e-commerce, Paze provides an easy experience for consumers and merchants alike. More than 150 million credit and debit cards have been added to the Paze checkout solution. To learn more about Paze, visit www.paze.com. Paze is operated by Early Warning Services, LLC, an innovator in financial and risk management solutions. Paze and the Paze related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

View original content to download multimedia:https://www.prnewswire.com/news-releases/aci-worldwide-adds-paze--online-checkout-from-early-warning-services-to-payon-platform-expanding-wallet-options-for-us-consumers-302658071.html

SOURCE Early Warning Services, LLC

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did ACIW announce about Paze integration on January 12, 2026?

ACI announced integration of Paze online checkout into its Pay.On orchestration platform, launching in early 2026.

How many U.S. ecommerce transactions could ACIW support with Paze in 2026?

The integration is expected to help support up to 16 million U.S. ecommerce transactions across ACI's merchant base in 2026.

Which banks currently support the Paze wallet integrated by ACIW?

Seven large U.S. banks support Paze, including Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank and Wells Fargo.

What consumer security features does Paze offer in the ACIW integration?

Paze enables tokenization and seamless digital authentication so full card numbers are not shared with merchants.

How does the Paze integration affect merchants using Pay.On (ACIW)?

Merchants can enable Paze through a single Pay.On connection and present it alongside credit and debit cards at checkout.