Global payment software provider ACI Worldwide and European embedded finance platform Solaris have announced the successful deployment of SEPA Instant payments processing on ACI Connetic, ACI’s cloud-native payment orchestration platform.
The successful implementation completes the initial phase of Solaris’ multi-year payment modernization program. By unifying its SEPA Instant transfer rails onto the ACI Connetic platform, Solaris reinforces its operational capacity to scale transaction processing, accelerate product development, and address shifting regulatory standards across European payment networks.
Scaling Instant Euro Settlement Under EU Regulatory Mandates
Under the European Union’s Instant Payments Regulation, payment service providers across the eurozone are mandated to process instant euro credit transfers without charging premium fees relative to standard transfers. The legislation also requires automated Verification of Payee checks to confirm account holder details prior to transaction authorization.
These regulatory requirements transition instant payments from a niche offering into a high-volume, 24/7/365 operational requirement that settles transfers within seconds while executing real-time fraud screening.
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The ACI Connetic architecture addresses these requirements by integrating payment processing, fraud risk management, analytics, and intelligent routing into a single cloud-native ecosystem, enabling financial institutions to expand processing capacity without assembling fragmented systems.
Key platform features and strategic advantages include:
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Unified Payments Orchestration: Consolidates transaction routing, fraud protection, and clearing operations into an all-in-one cloud-native processing layer.
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Continuous 24/7/365 Operations: Delivers high-availability infrastructure engineered to process instant euro credit transfers with sub-second finality.
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Regulatory Compliance Integration: Supports built-in fraud prevention mechanisms and Verification of Payee protocols to meet EU regulatory compliance guidelines.
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Financial-Platform-as-a-Service (FPaaS) Foundation: Provides a scalable foundation for non-bank brands, digital enterprises, and fintechs embedding banking services into consumer platforms.
Executive Insights on Payment Modernization
“Banks across Europe are rebuilding their payments around instant, and the ones moving fastest are making it a platform decision,” said Thomas Warsop, president and CEO of ACI Worldwide. “Solaris runs payments for an entire ecosystem of partners, so it needs infrastructure that grows with them. Bringing SEPA Instant onto ACI Connetic gives Solaris that foundation for its next phase of growth.”
“Going live on ACI Connetic is an important milestone in evolving our platform infrastructure,” said Steffen Jentsch, CEO of Solaris. “As Solaris matures into a Financial-Platform-as-a-Service provider, ACI Connetic gives us the scalable, robust foundation we need to deploy AI-driven, highly resilient payment processes that meet the highest European regulatory standards our partners and their customers expect.”
Advancing Pan-European Financial Infrastructure
Solaris operates under a full German banking license, providing core banking accounts, payment cards, lending services, and payment processing to corporate clients, digital brands, and fintech platforms.
Alongside majority shareholder SBI Group, Solaris selected ACI Connetic as the core foundation of its long-term technology roadmap, advancing its strategy to establish an enterprise-grade, pan-European financial platform infrastructure.
