> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# ACI Worldwide - Card

> Connect to ACI Worldwide to accept credit and debit card payments.

export const connector = {
  displayName: "ACI Worldwide",
  method: "card",
  features: "create_transaction delayed_capture open_loop partial_capture partial_refunds refunds three_d_secure_pass_through void zero_auth",
  supportedCountries: "AT AU BE BG BR CA CH CY CZ DE DK EE ES FI FR GB GR HK HU IE IN IT JP LT LU LV MT MX MY NL NO NZ PL PT RO SE SG SI SK US",
  supportedCurrencies: "AED AFN ALL AMD AOA ARS AUD AWG AZN BAM BBD BDT BGN BIF BMD BND BOB BRL BSD BWP BZD CAD CDF CHF CLP CNY COP CRC CVE CZK DJF DKK DOP DZD EGP ETB EUR FJD FKP GBP GEL GIP GMD GNF GTQ GYD HKD HNL HRK HTG HUF IDR ILS INR ISK JMD JPY KES KGS KHR KMF KRW KYD KZT LAK LBP LKR LRD LSL MAD MDL MGA MKD MMK MNT MOP MUR MVR MWK MXN MYR MZN NAD NGN NIO NOK NPR NZD PAB PEN PGK PHP PKR PLN PYG QAR RON RSD RUB RWF SAR SBD SCR SEK SGD SHP SLL SOS SRD SZL THB TJS TOP TRY TTD TWD TZS UAH UGX USD UYU UZS VND VUV WST XAF XCD XCG XOF XPF YER ZAR ZMW"
};

export const ConnectorRegions = ({data, kind, name: nameOverride}) => {
  const [query, setQuery] = useState("");
  const [open, setOpen] = useState(false);
  const isCountries = kind === "countries";
  const raw = data && (isCountries ? data.supportedCountries : data.supportedCurrencies);
  const codes = typeof raw === "string" ? raw.split(/\s+/).filter(Boolean) : Array.isArray(raw) ? raw : [];
  const DISPLAY_NAME_OVERRIDES = {
    authorizenet: "Authorize.net",
    cardpointe: "Fiserv CardPointe",
    dlocal: "dLocal",
    shift4i4go: "Shift4 i4go",
    tokenex: "TokenEx"
  };
  const rawName = data && data.displayName || "";
  const name = nameOverride || DISPLAY_NAME_OVERRIDES[rawName.toLowerCase()] || rawName || "This connector";
  const verb = isCountries ? "supports transactions from buyers in" : "supports processing payments in";
  const noun = isCountries ? "countries" : "currencies";
  if (codes.length === 0) return null;
  let displayNames = null;
  try {
    displayNames = new Intl.DisplayNames(["en"], {
      type: isCountries ? "region" : "currency"
    });
  } catch (e) {
    displayNames = null;
  }
  const resolve = code => {
    if (!displayNames) return null;
    try {
      const resolved = displayNames.of(code);
      return resolved && resolved !== code ? resolved : null;
    } catch (e) {
      return null;
    }
  };
  const MAJOR_CURRENCIES = ["USD", "EUR", "GBP", "CAD", "AUD", "JPY", "CHF", "CNY", "SGD", "HKD", "NZD", "SEK", "NOK", "DKK", "MXN", "BRL", "INR"];
  const items = codes.map(code => ({
    code,
    label: resolve(code)
  }));
  if (isCountries) {
    items.sort((a, b) => (a.label || a.code).localeCompare(b.label || b.code));
  } else {
    const rank = code => {
      const i = MAJOR_CURRENCIES.indexOf(code);
      return i === -1 ? MAJOR_CURRENCIES.length : i;
    };
    items.sort((a, b) => rank(a.code) - rank(b.code) || a.code.localeCompare(b.code));
  }
  if (codes.length <= 3) {
    const parts = items.map(it => isCountries || !it.label ? it.label || it.code : `${it.label} (${it.code})`);
    const joined = parts.length === 1 ? parts[0] : parts.length === 2 ? `${parts[0]} and ${parts[1]}` : `${parts.slice(0, -1).join(", ")}, and ${parts[parts.length - 1]}`;
    return <p>
        {name} {verb} {joined}.
      </p>;
  }
  const chipStyle = {
    display: "inline-flex",
    alignItems: "baseline",
    gap: "0.4rem",
    padding: "0.15rem 0.55rem",
    borderRadius: "0.375rem",
    border: "1px solid rgba(128, 128, 128, 0.25)",
    fontSize: "0.875rem",
    lineHeight: 1.5
  };
  const codeStyle = {
    fontFamily: "var(--font-mono, ui-monospace, monospace)",
    fontWeight: 600,
    fontSize: "0.8125rem"
  };
  const controlStyle = {
    color: "inherit",
    background: "transparent",
    border: "1px solid rgba(128, 128, 128, 0.3)",
    borderRadius: "0.5rem",
    fontSize: "0.875rem"
  };
  const renderChip = it => <span key={it.code} style={chipStyle} title={isCountries ? it.code : it.label || it.code}>
      {isCountries ? it.label || it.code : <span style={codeStyle}>{it.code}</span>}
      {!isCountries && it.label ? <span style={{
    opacity: 0.7
  }}>{it.label}</span> : null}
    </span>;
  const PREVIEW = 5;
  const collapsible = items.length > PREVIEW;
  const q = query.trim().toLowerCase();
  const filtered = q ? items.filter(it => it.code.toLowerCase().includes(q) || it.label && it.label.toLowerCase().includes(q)) : items;
  const expanded = open || q !== "";
  const visible = !collapsible ? items : expanded ? filtered : items.slice(0, PREVIEW);
  const toggle = () => {
    const next = !open;
    setOpen(next);
    if (!next) setQuery("");
  };
  return <div>
      <p>
        {name} {verb} the following {codes.length} {noun}:
      </p>

      {collapsible ? <input type="text" value={query} onChange={e => setQuery(e.target.value)} placeholder={`Filter ${noun}…`} aria-label={`Filter ${noun}`} style={{
    ...controlStyle,
    display: "block",
    width: "100%",
    maxWidth: "22rem",
    padding: "0.4rem 0.7rem",
    margin: "0 0 0.75rem"
  }} /> : null}

      <div style={{
    display: "flex",
    flexWrap: "wrap",
    gap: "0.4rem"
  }}>
        {visible.map(renderChip)}
      </div>

      {q && filtered.length === 0 ? <p style={{
    opacity: 0.7,
    marginTop: "0.6rem"
  }}>
          No {noun} match “{query.trim()}”.
        </p> : null}
      {q && filtered.length > 0 ? <p style={{
    opacity: 0.6,
    fontSize: "0.8125rem",
    marginTop: "0.6rem"
  }}>
          Showing {filtered.length} of {items.length}.
        </p> : null}

      {collapsible && !q ? <button type="button" aria-expanded={open} onClick={toggle} style={{
    ...controlStyle,
    display: "inline-flex",
    alignItems: "center",
    gap: "0.4rem",
    padding: "0.35rem 0.75rem",
    marginTop: "0.75rem",
    cursor: "pointer"
  }}>
          <span aria-hidden="true" style={{
    display: "inline-block",
    transform: open ? "rotate(90deg)" : "none",
    transition: "transform 0.15s ease"
  }}>
            ›
          </span>
          {open ? "Show fewer" : `and ${items.length - PREVIEW} more`}
        </button> : null}
    </div>;
};

export const ConnectorCapabilities = ({data}) => {
  const CAPABILITIES = [{
    keys: ["three_d_secure_hosted"],
    label: "3-D Secure (hosted)",
    description: "Gr4vy-hosted 3DS authentication flow.",
    cardOnly: true
  }, {
    keys: ["three_d_secure_pass_through"],
    label: "3-D Secure (pass-through)",
    description: "Pass through 3DS data authenticated by a third party.",
    cardOnly: true
  }, {
    keys: ["partial_authorization"],
    label: "Partial authorization",
    description: "Support partial approval responses."
  }, {
    keys: ["zero_auth"],
    label: "Zero auth",
    description: "Verify a card without charging it."
  }, {
    keys: ["void"],
    label: "Void",
    description: "Cancel an authorized transaction before capture."
  }, {
    keys: ["direct_capture"],
    label: "Direct capture",
    description: "Capture a payment immediately at authorization.",
    hideWhenUnsupported: true
  }, {
    keys: ["delayed_capture"],
    label: "Delayed capture",
    description: "Authorize a payment and capture it at a later time."
  }, {
    keys: ["partial_capture"],
    label: "Partial capture",
    description: "Capture a portion of the authorized amount."
  }, {
    keys: ["over_capture"],
    label: "Over capture",
    description: "Capture more than the originally authorized amount."
  }, {
    keys: ["refunds"],
    label: "Refunds",
    description: "Refund a captured payment."
  }, {
    keys: ["partial_refunds"],
    label: "Partial refunds",
    description: "Refund a portion of the captured amount."
  }, {
    keys: ["settlement_reporting"],
    label: "Settlement reporting",
    description: "Automatic settlement and reconciliation reporting."
  }, {
    keys: ["create_session"],
    label: "Create session",
    description: "Create a connector session for client-side flows."
  }, {
    keys: ["network_tokens_default", "network_tokens_toggle"],
    label: "Network tokens",
    description: "Network-level tokenization for improved approval rates.",
    cardOnly: true
  }, {
    keys: ["digital_wallets"],
    label: "Digital wallets",
    description: "Apple Pay, Google Pay, and other wallet integrations."
  }, {
    keys: ["payment_method_tokenization", "payment_method_tokenization_toggle"],
    label: "Payment method tokenization",
    description: "Store payment methods outside of transactions."
  }, {
    keys: ["transaction_sync"],
    label: "Transaction sync",
    description: "Synchronize transaction state from the connector."
  }, {
    keys: ["create_token"],
    label: "Tokenization",
    description: "Create a token from card details collected via Secure Fields.",
    hideWhenUnsupported: true
  }, {
    keys: ["delete_token"],
    label: "Delete token",
    description: "Delete a stored token.",
    hideWhenUnsupported: true
  }, {
    keys: ["verify_credentials"],
    label: "Verify credentials",
    description: "Validate the configured credentials against the connector.",
    hideWhenUnsupported: true
  }];
  const raw = data && data.features;
  const enabled = typeof raw === "string" ? new Set(raw.split(/\s+/).filter(Boolean)) : Array.isArray(raw) ? new Set(raw) : new Set(Object.keys(raw || ({})).filter(key => raw[key]));
  const isOn = entry => entry.keys.some(key => enabled.has(key));
  const isNonCard = data && data.method && data.method !== "card";
  const renderGroup = (title, entries, supported) => {
    if (entries.length === 0) return null;
    const mark = supported ? "✓" : "✕";
    const markColor = supported ? "#16a34a" : "#9ca3af";
    return <div style={{
      marginTop: "1rem"
    }}>
        <div style={{
      fontSize: "0.75rem",
      fontWeight: 600,
      letterSpacing: "0.05em",
      textTransform: "uppercase",
      opacity: 0.6,
      marginBottom: "0.25rem"
    }}>
          {title}
        </div>
        {}
        <div role="list">
          {entries.map(entry => <div role="listitem" key={entry.label} style={{
      display: "flex",
      gap: "0.5rem",
      alignItems: "baseline",
      padding: "0.3rem 0",
      opacity: supported ? 1 : 0.7
    }}>
              <span aria-hidden="true" style={{
      color: markColor,
      fontWeight: 700,
      flexShrink: 0
    }}>
                {mark}
              </span>
              <span>
                <strong>{entry.label}</strong>
                {entry.description ? <span style={{
      opacity: 0.85
    }}> — {entry.description}</span> : null}
              </span>
            </div>)}
        </div>
      </div>;
  };
  const visible = isNonCard ? CAPABILITIES.filter(entry => !entry.cardOnly) : CAPABILITIES;
  const supported = visible.filter(isOn);
  const unsupported = visible.filter(entry => !isOn(entry) && !entry.hideWhenUnsupported);
  return <div>
      {renderGroup("Supported", supported, true)}
      {renderGroup("Not supported", unsupported, false)}
    </div>;
};

ACI Worldwide is a global payment systems provider that offers payment processing solutions for merchants and financial institutions. Their platform supports card payments with advanced features like delayed capture and international payment processing across multiple currencies and countries.

## Credentials

When setting up ACI Worldwide in the dashboard, configure the
following credentials, which are obtained from ACI Worldwide merchant dashboard:

### Entity ID

The entity required to authorize the request. This should be the channel entity
identifier. In case channel dispatching is activated then it should be the
merchant entity identifier.

### Access token

The access token can be found under
**Administration** -> **Account data** -> **Merchant / Channel Info**

### Base URL (optional)

The base URL to use for API requests. If no Base URL is provided then the
following defaults are used:

| Environment | Base URL                     |
| ----------- | ---------------------------- |
| sandbox     | `https://eu-test.oppwa.com/` |
| production  | `https://eu-prod.oppwa.com/` |

## Connector configuration

After setting up your ACI Worldwide connector in the dashboard, configure how transactions are routed to it. Choose one of the following options:

* **Using Flow** - Configure ACI Worldwide as the target connector in [Flow](/guides/dashboard/flow/overview) to automatically route card transactions to this connector
* **Using the API** - Explicitly set the `payment_service_id` parameter to the ACI Worldwide connector ID when creating transactions. This overrides any Flow routing rules.

The connector ID can be found in the dashboard under **Connections** -> **Configured connections**.

## Capabilities

<ConnectorCapabilities data={connector} />

## Supported countries

<ConnectorRegions data={connector} kind="countries" />

## Supported currencies

<ConnectorRegions data={connector} kind="currencies" />

## Integration

To accept card payments with ACI Worldwide, you need to use one of Gr4vy's client-side integration methods. Due to PCI compliance requirements, card data should never be sent directly to your servers.

You can integrate using:

* **[Embed](/guides/payments/embed/quick-start)** - A pre-built, customizable payment form that handles the complete payment flow
* **[Secure Fields](/guides/payments/secure-fields/quick-start)** - Embed card input fields for building custom payment forms while maintaining PCI compliance
* **[Mobile SDKs](/guides/get-started#sdks-and-plugins)** - Native SDKs for iOS, Android, React Native, and other platforms

After collecting the card details through one of these methods, the payment is processed through your configured ACI Worldwide connection.

## Testing

For testing in sandbox environments, you can use standard test card numbers. ACI Worldwide supports industry-standard test cards for simulating different transaction scenarios:

**Successful transactions:**

* Visa: `4111 1111 1111 1111`
* Mastercard: `5555 5555 5555 4444`
* American Express: `3782 822463 10005`

Use any future expiry date and any 3-digit CVV (4 digits for American Express).

For more test scenarios and additional card numbers, refer to the [ACI Worldwide testing documentation](https://docs.aciworldwide.com/) or contact your ACI Worldwide representative.