- Inter Pag has partnered with ACI Worldwide to modernize and scale its merchant acquiring infrastructure as Brazil’s payments market evolves.
- ACI’s acquiring platform will bring payments intelligence, AI-driven fraud prevention, analytics, ecommerce tools, and orchestration to Inter Pag, which serves more than 100,000 Brazilian businesses.
- The deal reflects a broader shift driven by real-time payments like Pix, as acquirers increasingly differentiate themselves through fraud prevention, intelligence, orchestration, and other value-added services.
Inter Pag, the merchant acquiring business of Brazil’s Banco Inter, has partnered with ACI Worldwide to modernize its payments infrastructure and support its next phase of growth.
Specifically, ACI Worldwide’s ACI Acquiring Platform will provide Inter Pag with cloud-enabled acquiring capabilities, payments intelligence, AI-driven fraud prevention, analytics, ecommerce tools, and payment orchestration. Inter Pag anticipates that tapping ACI’s acquiring platform will help simplify operations and strengthen resiliency while supporting its efforts to scale, innovate, and bring new payment services to market.
“Modernizing our acquiring infrastructure is an important part of our strategy as we continue to evolve our payments capabilities and strengthen the experience we provide to merchants,” said Banco Inter Head of Technology Gustavo Cunha Borges. “We were looking for a platform that would provide the flexibility, scalability, and resilience required for the next phase of our modernization journey. The ACI Acquiring platform provides a strong foundation to support innovation, operational efficiency and future growth.”
Inter Pag serves more than 100,000 small and medium-sized businesses across Brazil, enabling merchants to accept debit and credit cards through physical POS terminals, Tap to Pay on mobile devices, Pix payments, and payment links integrated with Banco Inter’s digital account. Since Pix launched in 2020, the instant payments system has grown to nearly 170 million users and is now the country’s most widely used payment method.
The rise of Pix and other alternative payment methods is also changing the demands placed on Brazil’s acquirers, which increasingly need infrastructure capable of handling higher transaction volumes, real-time payments, stronger fraud controls, and faster product development.
“Brazil has become one of the most dynamic payments markets in the world. The success of Pix, the growth of digital commerce, and rapidly changing merchant expectations are accelerating the need for modernization across the acquiring industry,” said Brazil ACI Worldwide Head of Sales Vlademir Santos. “Reliable, secure and resilient payment processing remains essential, but increasingly acquirers also need payments intelligence, AI-driven insights, orchestration capabilities, and the flexibility to innovate faster. Modern payments infrastructure is no longer just about processing transactions. It’s about turning payments into a strategic growth engine.”
The rise of real-time payments across the globe is changing the role of merchant acquirers. As rails such as Pix make instant payments increasingly ubiquitous, acquirers have an opportunity to differentiate themselves through the services surrounding the transaction, including fraud prevention, payments orchestration, analytics, and merchant tools. For fintechs, Brazil offers insight into how competition may evolve from simply facilitating the transaction into adding intelligence and value around it as real-time payments mature.