What Speedpay does

Speedpay, operating as ACI Speedpay and legally constituted as ACI Payments, Inc. (Nebraska corporation), is a B2B electronic bill presentment and payment (EBPP) processing platform that intermediates between biller organizations and their end consumers. The company serves more than 3,000 biller clients across seven primary verticals: auto finance, consumer finance, government, insurance, mortgage, telecommunications, and utilities, with stated outreach into higher education. Its product suite comprises five modules: Bill Presentment (electronic bill delivery), Bill Payment (processing of credit card, debit card, and ACH bank transfers), Consumer Communications (reminders and notifications), Reporting and Analysis (transaction analytics), and the SMS Bill Alerts add-on for mobile-native bill reminders with reply-to-pay functionality. Distribution is omnichannel, spanning a consumer-facing web portal, an IVR telephone system, customer service representatives, SMS short-code messaging (72001), and white-label/embedded integrations inside biller back-office systems.

Underlying the platform is multi-tier resiliency infrastructure for payment processing reliability, combined with what the company describes as industry-leading operations expertise in payments, exceptions, collections, chargebacks, and interchange optimization. The platform is certified or aligned with PCI DSS, ISO 27001, NIST 800-53, CCPA, and the EU-U.S., UK Extension, and Swiss-U.S. Data Privacy Frameworks, reflecting a compliance posture required of a regulated payment service provider. Operations are concentrated in the United States; the Terms of Service explicitly restrict the services to U.S. residents aged 13 and over, and corporate and operations offices sit in Coral Gables, Florida and Elkhorn, Nebraska respectively.

The business model is transaction-based. Speedpay earns a Convenience Fee on each consumer-initiated payment, which is disclosed to the consumer prior to final authorization and may be shared between Speedpay and the biller client. Pricing is not publicly disclosed at the biller-contract level. Speedpay was founded as an independent company in 1997 (with the firm's brand footprint tied to ACI Worldwide's 50-year payment heritage), acquired by ACI Worldwide in 2019, and rebranded from Speedpay to ACI Speedpay at that time. It currently operates as a wholly-owned subsidiary of ACI Worldwide, Inc. and is not independently funded or capitalized.

Name

Speedpay

Legal name

ACI Payments, Inc.

Website

https://www.speedpay.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Speedpay (ACI Speedpay) is a Nebraska-incorporated B2B electronic bill presentment and payment processing platform, wholly owned by ACI Worldwide, that serves more than 3,000 biller clients across auto finance, consumer finance, government, insurance, mortgage, telecommunications, and utilities in the United States via web, IVR, telephone, SMS, and embedded channels.

Ownership category

akta.pro rank

Product category

Electronic Bill Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

akta.pro secondary industries

Recurring Billing & AutoPay Management (FSAMAJAE), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), Utility & Municipal Billing Platforms (FSAMAJAG)

Keywords

• Electronic bill payment
• Bill presentment
• Payment processing platform
• Biller payment infrastructure
• Consumer bill payment

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing Services: Speedpay provides payment processing services to billers (client businesses) and charges a Convenience Fee for each payment transaction initiated by consumers. The fee is disclosed prior to authorization and may be shared between Speedpay and the biller. Processing supports credit cards, ATM/debit cards, and ACH bank transfers.
2. Recurring Payment Services: Revenue from facilitating recurring/preauthorized payments for billers, allowing consumers to schedule regular payments. Supports both credit/debit card and ACH recurring transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

ACI Speedpay is a B2B electronic bill presentment and payment processing platform that enables more than 3,000 biller clients across consumer finance, telecommunications, utilities, government, insurance, mortgage, auto finance, and higher education industries to accept consumer payments through web, IVR, telephone, customer service, and SMS channels. The platform processes credit card, debit card, and ACH transactions and includes bill presentment, consumer communications, and reporting and analysis capabilities, earning revenue via a per-transaction convenience fee disclosed to consumers prior to authorization.

Product overview

ACI Speedpay is a unified bill payment processing platform, now branded as ACI Speedpay, serving as an intermediary between billers and consumers. The platform operates as a comprehensive payment processing service that combines multiple modules: Bill Presentment for delivering electronic bills, Bill Payment for processing credit card, debit card, and ACH transactions, Consumer Communications for customer notifications, and Reporting & Analysis for transaction insights. An additional SMS Bill Alerts add-on enables mobile-based bill reminders and payment confirmations. The platform is built on 50 years of payment expertise and serves over 3,000 clients across mid-tier and enterprise organizations in consumer finance, auto finance, telecommunications, utilities, insurance, mortgage, government, and higher education sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• ACI Speedpay Bill Payment Processing Platform Unified electronic bill presentment and payment processing platform serving as an intermediary between billers and consumers. Enables billers to accept payments across web, IVR, telephone, customer service, and SMS channels and supports credit card, debit card, and ACH transactions. Designed for mid-tier and enterprise organizations in consumer finance, telecommunications, utilities, government, insurance, mortgage, auto finance, and higher education.
• Bill Presentment

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Fiserv: Fiserv is a global financial services technology provider offering bill payment, account processing, and merchant services. Its Clover, Biller Solutions, and Output Solutions portfolios directly compete with ACI Speedpay's EBPP platform across consumer finance, utilities, and government billers.
• FIS (Fidelity National Information Services): FIS provides core banking, payments, and bill payment solutions (including the GetPAID and BillFlash products) to lenders, utilities, and government entities. It competes directly with ACI Speedpay in B2B EBPP and recurring billing at scale.
• Jack Henry & Associates: Jack Henry provides core processing, digital, and payment solutions (including Banno and PayCenter) to banks and credit unions, many of which are billers on ACI Speedpay's platform. It competes in EBPP adjacent spaces, especially for community and mid-tier financial institutions.

Direct peers

• Paymentus: Paymentus is a dedicated EBPP and electronic payment processing provider serving billers across utilities, telecom, insurance, and financial services. It overlaps directly with ACI Speedpay on bill presentment, convenience-fee billing, and multi-channel consumer payment options.
• Bottomline Technologies (Paymode-X): Bottomline offers business payments automation including B2B bill presentment, payment networks, and risk/compliance for billers and corporates. It competes with ACI Speedpay in commercial and SMB bill payment workflows.

Others

• ACI Worldwide: ACI Worldwide is the publicly-traded parent company of ACI Speedpay, providing real-time, wholesale, and merchant payments software globally. It is included as the most relevant ecosystem reference because Speedpay functions as the consumer/EBPP arm of ACI's portfolio.

Emerging players

• Bill.com: Bill.com provides SMB-focused bill payment, AP automation, and electronic payments, primarily via a software-as-a-service model. It competes in the digital payment space and represents an API-native alternative to traditional EBPP platforms like ACI Speedpay.
• Stripe (Stripe Payments / Stripe Billing): Stripe provides developer-first payment processing and a recurring billing engine used by SaaS, subscription, and digital-first billers. While not a direct competitor to consumer bill presentment today, it increasingly encroaches on Speedpay's recurring billing and ACH use cases.
• Plaid: Plaid powers account-to-account connectivity for thousands of fintechs and billers, enabling direct-from-bank payments and balance verification. As A2A and open-banking payments scale, Plaid-driven experiences compete with Speedpay's card/ACH processing stack.

Regional players

• PayRange: PayRange offers mobile payment and consumer engagement solutions primarily in the unattended/self-service retail space in North America. It is included as a regional/thematic peer given its overlap on consumer-facing mobile payment experiences and US market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Speedpay