ACI Worldwide Adds Paze ℠ Online Checkout from Early Warning Services to Pay.On 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.

News Market Reaction

+0.71%

1 alert

+0.71% News Effect

On the day this news was published, ACIW gained 0.71%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

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

4 metrics

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

Market Reality Check

Price: $42.34 Vol: Volume 423,857 is below t...

low vol

$42.34 Last Close

Volume Volume 423,857 is below the 20-day average of 726,459, indicating muted pre-news activity. low

Technical Shares at $46.77 are trading below the 200-day MA $48.37, remaining under longer-term trend resistance.

Peers on Argus

Peers show mixed but generally positive moves, with names like BOX, STNE, WEX, a...

Peers show mixed but generally positive moves, with names like BOX, STNE, WEX, and ZETA up between roughly flat and low-single digits, while QLYS is slightly negative. With sector momentum flags off and no broad thematic news, ACIW’s setup appears more company-specific.

Historical Context

5 past events · Latest: Dec 11 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 11	Industry outlook report	Positive	+1.4%	Report on 2026 payments disruption and need for modernization and AI orchestration.
Dec 10	Partnership win	Positive	+1.4%	BanKo selects ACI platform to modernize payments infrastructure across multiple channels.
Dec 09	Customer deployment	Positive	+0.5%	LLP Exotic Auto Finance adopts ACI Speedpay to digitize billing and reduce manual work.
Dec 02	Survey findings	Positive	+0.7%	Global survey highlights readiness gaps, reinforcing need for scalable modern payment platforms.
Nov 25	Fraud outlook	Positive	+1.0%	Holiday fraud and volume forecasts showcase ACI’s fraud decisioning and eCommerce insights.

Pattern Detected

Recent ACIW news, particularly around payments modernization, fraud analytics, and partnerships, has generally coincided with modest positive next-day price reactions.

Recent Company History

Over the last few months, ACI Worldwide has highlighted payments modernization and risk trends while signing new platform deals. Reports on industry readiness and disruption in late 2025 underscored demand for modern, orchestrated payments infrastructure. Wins like BPI’s BanKo and LLP Exotic Auto Finance showcased adoption of ACI’s issuing, acquiring, and bill-pay solutions. Holiday fraud and volume forecasts further emphasized ACI’s data and risk capabilities. Today’s addition of Paze to the Pay.On orchestration layer fits this pattern of expanding digital payment options for merchants and consumers.

Market Pulse Summary

This announcement adds Paze, a bank-backed digital wallet, to ACI’s Pay.On orchestration platform, p...

Analysis

This announcement adds Paze, a bank-backed digital wallet, to ACI’s Pay.On orchestration platform, potentially touching up to 16 million U.S. ecommerce transactions and more than 150 million cards in 2026. It reinforces ACI’s strategy of offering merchants multiple checkout options through a single connection. In context of recent modernization wins and fraud analytics updates, investors may watch merchant adoption rates, incremental transaction volumes, and how this integration influences ACI’s position versus other wallet and orchestration providers.

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. Not financial advice.

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

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.