ACI Worldwide announced that Solaris, Europe’s leading embedded finance platform, has gone live on schedule on ACI Connetic, ACI’s unified cloud-native platform for intelligent payments orchestration.

“The milestone marks the successful completion of the first phase of Solaris’ payments modernization initiative.” – according to the press release.

Instant is now the baseline for euro payments. Under the EU Instant Payments Regulation, payment service providers in the eurozone must receive instant credit transfers, send them at no higher price than a standard transfer, and offer a check of the payee’s name against the account before the payer authorizes a transfer. That turns SEPA Instant from a premium service into everyday volume that runs around the clock and settles in seconds, with fraud checks done inside the same window. ACI Connetic handles that load in one cloud-native architecture that combines payments processing, fraud prevention, payments intelligence and orchestration, so a bank can add capacity and new services without stitching separate systems together.

Solaris holds a full German banking license and runs accounts, cards, lending and payments for fintechs, digital brands and multinationals that build financial products into their own customer experiences. Those partners count on Solaris to move money on their behalf, which makes instant payments part of what they buy from it.

“Solaris selected ACI Connetic as the foundation of its payments modernization strategy. Together with majority shareholder SBI Group, it has also set out plans to develop its platform into pan-European financial infrastructure.” – the company said.

“Banks across Europe are rebuilding their payments around instant, and the ones moving fastest are making it a platform decision,” said Thomas Warsop, president and CEO of ACI Worldwide. “Solaris runs payments for an entire ecosystem of partners, so it needs infrastructure that grows with them. Bringing SEPA Instant onto ACI Connetic gives Solaris that foundation for its next phase of growth.”

“Going live on ACI Connetic is an important milestone in evolving our platform infrastructure,” said Steffen Jentsch, CEO of Solaris. “As Solaris matures into a Financial-Platform-as-a-Service provider, ACI Connetic gives us the scalable, robust foundation we need to deploy AI-driven, highly resilient payment processes that meet the highest European regulatory standards our partners and their customers expect.”

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ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With more than 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

Solaris is Europe’s leading embedded finance platform, pioneering Banking-as-a-Service to bridge the gap between financial technology and licensed banking. Founded in 2016 and headquartered in Berlin, Solaris enables fintechs, digital ecosystems, and multinationals to embed accounts, cards, lending, and payments directly into their own products, creating seamless financial experiences for their users. As a fully licensed German bank, Solaris combines the highest standards of IT security and regulatory resilience with a modular, highly scalable infrastructure.

Today, Solaris is driving the next evolution of financial services by transitioning into an AI-native banking platform, ensuring European businesses can deploy secure, adaptable financial products at scale.