ACI Worldwide Expands A2A Capabilities with Acquisition of Fintech Payment Components

In a strategic move to strengthen its position in real-time payments and open banking, ACI Worldwide has announced the acquisition of Payment Components, a Greece-based fintech specializing in account-to-account (A2A) payment infrastructure, financial messaging, and API management solutions.

The acquisition marks a significant step in ACI’s mission to build a comprehensive, cloud-native payments ecosystem, integrating A2A payments, card processing, and AI-driven fraud prevention into a single, unified platform.

A Strategic Fit for ACI’s Global Payments Vision

ACI Worldwide plans to integrate Payment Components’ technology into ACI Connetic, its recently launched end-to-end payments orchestration platform. This integration will enable banks and financial institutions to manage real-time A2A payments, open banking APIs, and traditional card processing under one roof.

By combining these capabilities, ACI aims to deliver greater flexibility, operational efficiency, and innovation for its clients, helping them adapt to the evolving digital payments landscape.

Commenting on the deal, ACI executives highlighted that the acquisition aligns with the company’s goal of simplifying complex payment infrastructures for banks, fintechs, and corporates globally. The move is also expected to accelerate ACI’s efforts to strengthen its position in Europe’s fast-growing A2A payments market, driven by regulatory changes such as PSD2 and instant payment adoption.

About Payment Components

Founded in 2014 and headquartered in Athens, Greece, Payment Components is a recognized leader in developing modular financial technology solutions that empower banks and fintechs to implement modern financial messaging, open banking frameworks, and A2A payment infrastructure.

The company’s solutions are designed around ISO 20022 messaging standards, API-driven architecture, and cloud compatibility, enabling faster deployment and integration within legacy systems.

Currently, Payment Components serves 65 banks and financial institutions across 25 countries, offering a range of products that include open banking API management tools, payment hubs, and financial message validation systems.

Accelerating Innovation in A2A and Open Banking

With the acquisition, ACI Worldwide will gain access to Payment Components’ intellectual property, technology stack, engineering talent, and existing client base. This combination is expected to bolster ACI’s global innovation pipeline and enhance its product roadmap focused on real-time payments and open banking solutions.

Through this deal, ACI aims to address the growing demand for interoperable, secure, and intelligent A2A payment systems, especially as regulators and market infrastructures push for greater transparency and efficiency in cross-border and domestic transactions.

While financial details of the transaction remain undisclosed, industry experts view the acquisition as a strategic move that could redefine ACI’s competitive positioning against other major players in the payments infrastructure space.

Looking Ahead

As real-time and account-to-account payments continue to gain momentum globally, ACI’s acquisition of Payment Components positions it at the forefront of this transformation.

By embedding open banking APIs and financial messaging capabilities into ACI Connetic, the company is set to offer a more connected, intelligent, and scalable payments architecture to its banking and fintech clients worldwide.

This acquisition not only strengthens ACI’s European presence but also underscores its broader ambition — to be the global backbone for next-generation digital payments.

Key Highlights:

• Acquirer: ACI Worldwide
• Target: Payment Components (Greece-based A2A fintech)
• Founded: 2014
• Headquarters: Athens, Greece
• Clients: 65 banks and financial institutions in 25 countries
• Technology Focus: A2A payments, API management, and financial messaging
• Integration: Technology to be merged into ACI Connetic for unified payment processing
• Financial Terms: Not disclosed

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