ACI Worldwide has teamed up with MagicCube to deliver secure and seamless contactless payments on commercial off-the-shelf (COTS) smartphones and tablets using Tap to Pay—with or without PIN.

The solution will provide medium and large retailers operating in complex environments with device-agnostic control and visibility of transaction data. This comes on the heels of MagicCube’s announcement extending its platform to big-box retailers.

Among the new ACI capabilities powered by MagicCube’s i-Accept are multi-acquirer and multi-merchant support from one platform, and direct integration into complex systems with no impact on Payment Card Industry (PCI) Data Security Standard scope or certification. 

The solution also offers flexible management of acceptance rules across numerous geographies and message translation across different standards.

“We are proud to launch our partnership with MagicCube to expand their industry-leading offering for growth beyond traditional and legacy payment terminals,” said Basant Singh, Head of ACI Worldwide’s Merchant Segment. 

“ACI’s Payments Orchestration Platform gives thousands of merchants and payment service providers globally the tools and technology to increase conversion rates and grow their business by making payments part of a smooth, seamless, and secure customer journey.”

i-Accept enables financial service providers to allow large merchants and retailers to accept contactless transactions through payment cards and mobile wallets, such as Apple Pay, Google Pay, and Samsung Pay. i-Accept adapts to local card schemes and crypto wallets and supports Buy Now, Pay Later (BNPL) programs. 

It also allows for secure PIN capture on a COTS device screen without the need to scramble or shuffle the PIN entry device keys, making the transaction experience intuitive and efficient for the customer.

“We are excited to extend a cutting-edge, truly secure, and scalable payment acceptance experience to thousands of merchants in the ACI network around the globe,” added Sam Shawki, CEO and Co-Founder of MagicCube. 

“i-Accept takes the complexity out of moving the checkout experience beyond the cashier’s desk and enables merchants of all sizes—even the largest ones, with sophisticated backends and compliance needs—to offer better shopping experiences to their customers with seamless Tap to Pay on any smart device, including phones, tablets, and touch screens.”