Bank statement charge
What is an ACI* or SPEEDPAY charge on my statement?
Who charged you
ACI Payments bill and tax payments for utilities, lenders, insurers, schools and governments
ACI* or SPEEDPAY is a bill paid through ACI Payments, part of ACI Worldwide, which runs Speedpay and was once called Official Payments. It processes payments for utilities, lenders, insurers, schools and tax offices. The charge is usually a bill or tax payment to the business named on the line, or its convenience fee.
How it can show on a statement
ACI*ACI*[BUSINESS NAME][BILLER NAME]/SPEEDPAY[BILLER NAME]*SPEEDPAY
2 more ways it shows
SPEEDPAY[BILLER NAME]WUS*SPEEDPAY INSURANCE
Find out what it was
- 1
Read the name after ACI* or before SPEEDPAY: it is the biller you paid, often shortened.
- 2
Look at the other lines from that day: a bill payment next to a smaller amount often means the smaller one is the convenience fee.
- 3
Search your inbox and spam for a payment confirmation with the same amount and date; it names the biller.
- 4
Check your utility, loan, insurance and tax accounts for a payment on that date, including automatic payments.
- 5
Ask others in your household whether they paid a shared bill with your card.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the business, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “ACI*”?
Many billers do not take card payments themselves. When you pay a power, water, loan, insurance, tuition or tax bill online, in an app or on an automated payment line, ACI Payments may process it on the biller's behalf. ACI says the biller's name appears on the statement along with its own, so lines read ACI* followed by the biller, or the biller's name with SPEEDPAY.
Speedpay used to belong to Western Union, which sold its Speedpay US bill payment business to ACI Worldwide; an older line in public card records still carries Western Union's letters, as WUS*SPEEDPAY. When a convenience fee applies to a card payment, it can post as its own line, separate from the payment, so one bill can show as two charges.
Why you might see this charge
- A power, gas, water or mobile bill paid on the provider's website, app or automated payment line.
- The convenience fee for a card payment, shown as a smaller line next to the payment itself.
- A federal or state tax payment made by card through ACI Payments.
- A car loan, mortgage, insurance or tuition payment to a company or school that takes payments through ACI.
- An automatic or scheduled payment you set up earlier with the biller.
- A payment someone in your household made toward a shared bill with your card.
Is ACI* legit?
Yes. ACI Payments is a licensed US money transmitter, part of ACI Worldwide, and processes payments for thousands of US businesses as well as card tax payments. An ACI* or SPEEDPAY line normally means a real payment to the biller named on it, or the fee for that payment.
ACI does not see your account with the biller and does not issue refunds itself: by its own account, refunds and changes to repeat payments come from the business you paid. If the line names no bill you or your household paid, treat it as a charge you did not agree to, and be wary of messages that ask you to pay a bill through a link.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| B G SERVICES | British Gas Services | B G SERVICES is British Gas Services Limited, the British Gas company that runs HomeCare and other home services. |
| VZWRLSS*APOCC VISB | Verizon Wireless | VZWRLSS is Verizon Wireless, the mobile network, written short on card statements. |
| E-TOLL AVIS | Highway Toll Administration | E-TOLL AVIS, E-TOLL BUDGET and E-TOLL PAYLESS are tolls from a rental car, billed by Highway Toll Administration… |
| TELEFONICA UK LIMITED | O2 | Telefonica UK Limited is the company behind O2, the UK mobile network, and the company that collects O2's Direct Debits. |
| PREMIUM CREDIT LTD | Premium Credit | PREMIUM CREDIT LTD is Premium Credit, a UK lender that pays a yearly bill upfront for you and collects it back by… |
| ME GROUP INTERNATIONAL | ME Group | ME GROUP INTERNATIONAL is the company behind Photo-Me photo booths, Revolution Laundry self-service washers and… |
| SKY DIGITAL | Sky | SKY DIGITAL is Sky, the TV, broadband and mobile provider, using the old name of its digital TV service. |
| METROPOLIS PARKING | Metropolis | METROPOLIS PARKING is Metropolis Technologies, which runs parking garages and lots where cameras read your license… |
Questions about ACI*
What is an ACI Payments charge on my bank statement?
It is a bill or tax payment you made through ACI Payments, which processes payments for utilities, lenders, insurers, schools and tax offices. The line usually reads ACI* followed by the biller's name; a smaller line beside it is often the convenience fee.
What is WU Speedpay?
Speedpay is a bill payment service that belonged to Western Union until it sold the US business to ACI Worldwide. Older lines can carry Western Union's letters, such as WUS*SPEEDPAY; newer lines show ACI* or SPEEDPAY with the biller's name.
Why are there two charges after I paid my taxes with ACI Payments?
The tax payment and the convenience fee post as two separate lines. For a federal tax payment, the payment can read United States Treasury Tax Payment and the fee Tax Payment Convenience Fee, or something similar.
Is ACI Payments legitimate?
Yes. ACI Payments, part of ACI Worldwide, is a licensed money transmitter and one of the two card processors the IRS lists for tax payments. A line with its name is normally a real payment to the biller named on it.
What if I did not agree to an ACI* charge?
File a complaint on Complain.biz. We write it with you and send it to the business you paid, so you do not have to chase it yourself.
Based on
- Why do I see a charge from ACI Worldwide on my bank statement? Refunds and repeat payments come from the business (ACI Worldwide)
- Convenience fee questions: the payment and the fee appear separately on your card statement (ACI Payments, Inc.)
- ACI Payments, Inc.: Official Payments has changed its name to ACI Payments, licensed money transmitter (ACI Payments, Inc.)
- Speedpay terms and conditions: payments to the Biller, convenience fee and refunds (Speedpay, an ACI Worldwide company)
- Western Union announces completion of sale of Speedpay U.S. domestic bill pay business (Western Union)
- Pay taxes by card or digital wallet: approved processors and how the payment and fee appear (IRS)
- State of Delaware open data: state employee card transactions (ACI* and SPEEDPAY lines)
- State of Delaware open data: archived state employee card transactions (WUS*SPEEDPAY line)