ACI Worldwide Inc : Harps Food Stores Controls Check Payment Processing, Reduces Fraud and Improves Customer Service with ACI Worldwide

ACI Retail Commerce Server Delivers Complete Control of Check Environment

Monday, January 16, 2012

(New York, N.Y. - January 16, 2012) - ACI Worldwide, Inc. (Nasdaq: ACIW), a leading international provider of payment systems, today announced that Harps Food Stores has selected ACI Retail Commerce Server™ for Check Authorization to automate check handling, reduce fraud losses and better manage collections for returned checks.

Retail Commerce Server authorizes check transactions at the point of sale to reduce losses due to fraud and insufficient funds, and to improve customer service by authorizing checks from trusted customers quickly without requiring time-consuming identification verification. It also interfaces with third-party check guarantee processors to provide an additional layer of verification if required for unusual customer behavior. The collections module reduces losses and operational inefficiencies due to returned checks by automating and streamlining the collection process.

Mike Thurow, VP, Store Systems at Harps Food Stores said, "Checks can be challenging for retailers - customers still want to use them but we know they can be costly to handle and susceptible to fraud. ACI Retail Commerce Server gives our customers the ability to pay the way they want to, while also cutting our handling costs and protecting us from fraud. The capability and scalability of the ACI solution, combined with ACI's track record and presence in the retail market, made this a good decision for Harps."

Ralph Dangelmaier, president of global markets and services at ACI Worldwide said, "Harps Foods Stores wanted visibility into trusted check writers, as well as the company's cumulative check balance, to help reduce check fraud and collections losses. I am really pleased that ACI was selected to support their strategy."

ACI Retail Commerce Server is an integrated software solution to acquire, authenticate, route, switch and authorize financial transactions across multiple channels. Retail Commerce Server provides a full range of functionality to support payment transactions such as debit and credit at the point of sale (POS), as well as mobile commerce and internet purchases.

It offers a comprehensive electronic payment and authorization system that facilitates a broad range of business applications, including automated clearing house (ACH); check and refunds authorization; credit, debit and electronic benefits transfer (EBT) processing; phone card activation; value card fulfillment; issuance and redemption; and loyalty cards and program management. For more information about ACI Retail Commerce Server please visit .

Contact details For more information contact:
Catherine Eyres
ACI Worldwide
[phone]
[e-mail] Notes to editors About ACI Worldwide
ACI Worldwide powers electronic payments for more than 800 financial institutions, retailers and processors around the world, with its broad and integrated suite of electronic payment software. More than 90 billion times each year, ACI's solutions process consumer payments. On an average day, ACI software manages more than US$12 trillion in wholesale payments, and for more than 160 organizations worldwide, ACI software helps to protect their customers from financial crime. To learn more about ACI and understand why we are trusted globally, please visit or on Twitter @ACI_Worldwide.