Head-to-head · Real-Time Payments Software
CGI All Payments vs ACI Real-Time Payments Cloud
CGI All Payments leads on 1 check, ACI Real-Time Payments Cloud on 0, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreCGI All Payments · 8.2/10
- Most featuresCGI All Payments · 2 of 3
CGI All Payments scores higher on our rubric for real-time payments software: 8.2 against 6.9 out of 10; our editors rank them #2 and #6.
On rail coverage, CGI All Payments gives you Global-multi-rail where ACI Real-Time Payments Cloud offers Multi-rail. CGI All Payments offers payment orchestration; ACI Real-Time Payments Cloud doesn't publish it. On deployment options, CGI All Payments gives you Hybrid where ACI Real-Time Payments Cloud offers Cloud.
CGI All Payments is the better fit for large institutions needing hybrid, multi-rail processing. ACI Real-Time Payments Cloud is the better fit for mid-market and enterprise RTP/FedNow adopters.
- CGI All Payments fits best
Large institutions needing hybrid, multi-rail processing
- ACI Real-Time Payments Cloud fits best
Mid-market and enterprise RTP/FedNow adopters
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Side by side
| Feature | CGI All Payments 8.2/10 Visit ↗ | ACI Real-Time Payments Cloud 6.9/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.2 | 6.9 |
| Ranking | #2 in Real-Time Payments Software | #6 in Real-Time Payments Software |
| Best for | Large institutions needing hybrid, multi-rail processing | Mid-market and enterprise RTP/FedNow adopters |
| Pricing model | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | Not published | Not published |
| Free trial | — | — |
| Deployment | Cloud, Self-hosted | Cloud |
| Integrations | 7 integrations | 3 integrations |
| Built for | Mid-market, Enterprise | Mid-market, Enterprise |
| Features CGI All Payments 2/3 · ACI Real-Time Payments Cloud 1/3 | ||
| ISO 20022 support | ✓ | ✓ |
| Payment orchestration | ✓ (best) | Not published |
| Reconciliation tools | Not published | Not published |
| Specs | ||
| Rail coverage | Global-multi-rail | Multi-rail |
| Deployment options | Hybrid | Cloud |
| Message formats | ISO 20022 | ISO 20022 |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | CGI All Payments is a modular payment processing platform for financial institutions handling real-time, high-value, wire, ACH and bulk payments. Its fit is strongest for mid-market and enterprise organizations that need to coordinate… Read the review → |
ACI Real-Time Payments Cloud is a multi-tenant SaaS platform for banks and other financial institutions connecting to instant payment schemes. It fits mid-market and enterprise institutions adopting U.S. real-time payments, particularly… Read the review → |
Strengths and trade-offs
CGI All Payments — where it wins
- Processes real-time, high-value, wire, ACH and bulk payments
- Supports ISO 20022-native data and payment-network routing
- Offers cloud, SaaS and on-premises deployment
Where it doesn't
- Pricing requires contacting CGI
- Its wide processing scope may exceed simpler payment needs
- Only ISO 20022 is explicitly named as a supported message format
ACI Real-Time Payments Cloud — where it wins
- Connects to both The Clearing House RTP and FedNow
- Combines ISO 20022 processing with AI fraud and risk scoring
- Includes liquidity services and managed scheme compliance upgrades
Where it doesn't
- List pricing is not published; sales engagement is required
- Cloud-only deployment may not suit institutions seeking other options
- Its documented rail coverage focuses on U.S. FedNow and TCH RTP
- CGI All Payments8.2/10 · Pricing on request
A multi-rail platform for institutions coordinating real-time and traditional payments.
Contact CGIFull verdict → - ACI Real-Time Payments Cloud6.9/10 · Pricing on request
A multi-rail cloud platform for banks adopting FedNow and TCH RTP.
Visit siteFull verdict →
More comparisons
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- CGI All Payments vs Fiserv NOW Gateway
- CGI All Payments vs Temenos Payments Hub
- CGI All Payments vs Volante Real-Time Payments
- Finastra Payments Hubs vs ACI Real-Time Payments Cloud
All Real-Time payments software comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update