ACI Payments, Inc.

Financial Services70% confidence

ACI Payments, Inc. is a U.S. payment processor that handles online and phone payments for government agencies, utilities, educational institutions, and other billers. A charge reading "ACI EMS AR" is most likely an emergency medical services (EMS) bill in Arkansas processed through ACI’s platform.

Elkhorn, NE, USA
acipayonline.com
Owned by ACI Worldwide, Inc.

About ACI Payments, Inc.

ACI Payments, Inc. is a digital payment processor that enables consumers to pay taxes, utility bills, tuition, court fines, EMS and other government-related fees online, by phone, or via automated payment plans. The company provides these services under brands such as ACI Speedpay and Official Payments, and is used by the IRS, many state revenue departments, municipalities, utilities, courts, and other public-sector entities across the United States.([acipayonline.com](https://acipayonline.com/pc_whocanipay.jsp?utm_source=openai))

On card statements, ACI-related transactions often appear with abbreviated descriptors that combine the ACI name with the type of bill or agency. In this case, “ACI EMS AR” very likely represents a payment to an Emergency Medical Services (EMS) provider located in Arkansas (“AR”), where ACI is acting as the third‑party processor for that EMS agency’s billing system. The EMS agency itself is the underlying biller, but the card network records ACI as the merchant of record, so the descriptor highlights ACI plus a short reference to the service (EMS) and state. This kind of charge typically results from paying an ambulance or EMS transport bill online or by phone using ACI’s payment portal.

If you have questions about this charge, start by checking any recent ambulance or EMS transport you or a family member may have had in Arkansas and look for a corresponding paper or electronic bill that references ACI Payments, Official Payments, or an online payment URL ending in acipayonline.com. You can also log in to the relevant government or EMS billing portal and review your payment history, or use ACI’s own payment/plan portal if you created an account. If you still do not recognize the transaction, contact ACI Payments customer support (using the phone or contact information on its website, not from unsolicited messages) and your card issuer. They can help confirm which biller initiated the transaction, provide a receipt reference, and, if needed, assist you in disputing or reversing unauthorized payments.

Bank Statement Variations

4 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ACI Payments, Inc..

  1. 202506183 PURCHASE AUTHORIZED ON 06/16 OPC MSC*SERVICE FE 800-487-4567 NE S585167822993069 CARD 5697
  2. CRT SERVICES 202512156 PURCHASE AUTHORIZED ON 12/11 OPC CRT*SERVICE FE 800-487-4567 NE S345345843345834 CARD 5697
  3. KP NC SC ACI PREM ONLINE
  4. aci ems ar

Frequently Asked Questions

What is the charge labeled “ACI EMS AR” on my card statement?

A descriptor like “ACI EMS AR” usually means you paid an Emergency Medical Services (EMS) or ambulance-related bill for an Arkansas provider through ACI Payments, Inc. ACI is the third‑party processor handling the card transaction on behalf of the EMS agency, so its name appears on your statement instead of the local EMS provider’s full name.

Why did my EMS or ambulance bill get processed by ACI Payments instead of the local provider?

Many EMS and government agencies outsource their online and phone payment processing to ACI Payments to securely accept debit and credit cards and manage payment plans. When you pay an EMS bill through the agency’s payment website or phone system, the underlying card processing is often carried out by ACI, so ACI’s name appears as the merchant of record on your statement.([officialpayments.com](https://www.officialpayments.com/pc_entry_standard.jsp?productId=726934813627403077860611637115064&utm_source=openai))

Are there service or convenience fees for paying an EMS bill through ACI Payments?

Yes, ACI Payments often charges a separate convenience or service fee for processing card payments, especially for government- and EMS-related bills. The fee amount and structure are set in coordination with the EMS or government client and are disclosed on the payment page before you submit your payment. Review the payment confirmation screen or receipt to see the exact fee you were charged.([officialpayments.com](https://www.officialpayments.com/pc_entry_standard.jsp?productId=726934813627403077860611637115064&utm_source=openai))

How can I verify that my ACI EMS AR payment went to the correct EMS provider?

Compare the date and amount of the ACI EMS AR transaction on your card statement to the EMS or ambulance invoice you received. Then, log into the EMS agency’s online billing portal (or the link printed on your bill) and check your payment history or confirmation number. If you created an account or plan on ACI’s portal, you can also sign in at acipayonline.com to review your payment record and download a receipt.([payplan.acipayonline.com](https://payplan.acipayonline.com/MyPlans/MyPlans.aspx?utm_source=openai))

How do I get a refund or correct an overcharge processed as ACI EMS AR?

Refunds and billing corrections for EMS bills typically must be initiated through the EMS agency that billed you, not directly through ACI. Contact the EMS provider’s billing office using the number on your invoice and explain the issue. Once they approve an adjustment or refund, it is usually processed back through ACI Payments to your original payment method, and you should see a credit or corrected charge on your card statement in several business days.

Can I set up a payment plan for my EMS bill that is processed by ACI Payments?

Many EMS and government entities that use ACI Payments offer the option to set up installment plans through ACI’s payment plan portal. If your EMS bill is eligible, your invoice or the online payment site will include a link or instructions to enroll in a plan, letting you spread the balance over multiple payments while managing the plan online.([payplan.acipayonline.com](https://payplan.acipayonline.com/?utm_source=openai))

What should I do if I don’t recognize an ACI EMS AR transaction and suspect fraud?

First, check with household members to ensure no one paid an EMS or ambulance bill you weren’t aware of. If no one recognizes the transaction, contact your card issuer immediately to report the charge as suspicious, and ask them to block or replace the card if needed. You can also reach out to ACI Payments customer support with the date, amount, and authorization code from your statement; they can identify which EMS or government client received the funds so you can determine whether the transaction is legitimate.([bbb.org](https://www.bbb.org/us/md/baltimore/profile/payment-processing-services/aci-payments-inc-0011-90376876?utm_source=openai))

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