ACI Worldwide and Cognizant announced results from joint performance testing today. The companies tested BASE24-eps for card processing on AWS. This foundational component underpins ACI’s card acquiring and issuing solutions. ACI is an original innovator in global payments technology. Meanwhile, Cognizant is a leading AI builder and technology services provider.
Engineers applied a simulated point-of-sale load during the test. BASE24-eps sustained more than double its target transaction load for 30 minutes. Notably, no transactions failed. Across the full test, the software processed more than 4.6 million transactions without a single failure. Banks weighing the cloud now have more evidence. The results show BASE24-eps delivers the card-processing performance banks count on, now on AWS.
Why Banks Are Weighing Cloud Card Processing
For banks, card processing on AWS, the case for the cloud rests on several needs. They want to scale with growth. They also need to absorb volume spikes without buying hardware for the peak. In addition, they must manage cost and keep tight security and control over systems their customers rely on every second.
BASE24-eps already processes card payments for institutions worldwide. As a result, this testing adds to the evidence of its performance on AWS. Many assume that moving card processing to the cloud means adopting a newly built platform. Typically, that means a multi-year program with its own cost and risk. However, this testing put BASE24-eps, software banks already rely on, onto managed AWS services.
Built for Peak Volumes
Card processing on AWS runs on peaks, from holiday shopping to payday. Running at more than double its target leaves room to spare when volume surges. The environment ran on Amazon EC2 with Amazon RDS for PostgreSQL, a managed database service. Furthermore, the team instrumented observability to the OpenTelemetry standard. Amazon CloudWatch handled monitoring. Operations teams could therefore watch transaction flow, system health and throughput in real time.
Cognizant, a long-time trusted partner for ACI, ran the program end-to-end in a non-production environment. The team designed the target architecture and provisioned the environment. It then deployed BASE24-eps using an AWS account operated by ACI. Installation and deployment were automated. Consequently, the manual work of standing up the software in a new environment dropped.
“Agility and cost are why banks look at the cloud, but they can’t give up the performance their card business depends on to get there,” said Ajmal Syed, Chief Architect and Technical Fellow, ACI Worldwide. “This testing put BASE24-eps under sustained load on AWS, and it ran well past target without a failed transaction. A bank planning a cloud move can start with a card platform that has already been through that test.”
“Banks do not move payment systems on optimism. They move on evidence,” said Nitin Bahl, Strategic Business Unit Head, Fintech and Payments, Cognizant. “Our engineers built a working environment on AWS and ran sustained load through it.”
Production deployment and card processing on AWS remains a further step. It requires resilience across availability zones, failover and disaster recovery testing, and security hardening. It also demands additional nonfunctional testing and payment network certification. This test answered a narrower question. Could an experienced partner deploy the tested release on AWS using managed services and sustain the target load?
Meanwhile, institutions seeking a cloud-native option can consider ACI Connetic. It brings together account-to-account and card payments with AI-driven fraud prevention on one platform.
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News Source: Businesswire.com
