ACI Worldwide, Inc.

Company profile

ACI Worldwide, Inc. is a Delaware corporation (formerly Transaction Systems Architects, Inc.) that develops, markets, installs, and supports a broad line of software solutions for intelligent payments orchestration.
The company serves banks, merchants, and billers globally, enabling online, real-time, and omnichannel payments across multiple networks, channels, and payment types.
Core mission: help customers modernize payments infrastructure to support transactions at scale with high security, reliability, and 24/7/365 resilience.

Target markets: banks; intermediaries (processors, networks, PSPs); and merchants.
Customer reach (as of Dec 31, 2025):
- Thousands of organizations.
- Nearly all of the top 10 banks worldwide by asset size.
- More than 80,000 merchants.
- Customers in approximately 90 countries on six continents.
Revenue concentration: No single customer accounted for more than 10% of consolidated revenues for the years ended Dec 31, 2025, 2024, and 2023. No single customer accounted for more than 10% of consolidated receivables as of Dec 31, 2025 and 2024.

Issuing and Acquiring
- Consumer payment solutions from core payment engines to back-office support.
- Key platforms: ACI Connetic (modern, flexible payments platform), ACI Acquiring, ACI Issuing.
Account-to-Account Real-Time Payments
- Real-time payments, ACH, RTGS, and cross-border capabilities.
- Connectivity to instant rails (ISO 20022-based networks), processing, clearing, settlement, and fraud detection.
- Support for multi-currency, 24x7 processing, and integration with schemes such as Fedwire, CHIPS, TARGET2, and SWIFT-related services.
Merchant Payments (ACI Payments Orchestration Platform)
- Omnichannel payments platform for in-store, online, and mobile.
- Orchestration gateway with AI-driven fraud management, business intelligence, and access to global networks and alternative payment methods.
- APOP serves more than 80,000 merchants worldwide and powers payments for seven of the top 10 retailers globally.
Payments Intelligence and Risk Management
- Data-driven risk management and fraud prevention for banks, merchants, and billers.
- ACI Fraud Management offers fraud scoring services and multi-tenant deployment options (cloud, on-premises, or as a service).
Bill Payments
- Electronic bill presentment and payment (EBPP) services across industries.
- Speedpay platform (Speedpay ONE) for digital, secure, and scalable bill payment capabilities.

Delivery models: on-premises, on-demand, or hybrid.
On-demand options include SaaS and PaaS offerings hosted in ACI’s cloud or in private cloud environments.
Contract terms: generally minimum terms of five years, with three-year terms for certain SaaS and PaaS contracts.

Global alliances with major technology and cloud providers, including Microsoft, Amazon, HPE, IBM, Red Hat, and Oracle.
Partnerships and ecosystem involvement with Visa, Mastercard, and various industry groups.
Infrastructure and data center focus includes cloud hosting on Microsoft Azure and Amazon Web Services (AWS), with ongoing collaboration with other cloud providers as needed.

Protects intellectual property through trade secrets, copyrights, licenses, confidentiality, and contractual provisions.
Uses open-source software with associated licensing considerations.
Subject to regulatory regimes for payment services (including money transmitter licenses for certain entities), FFIEC guidance, PCI/DSS, card network rules, Nacha rules, data privacy laws (EU GDPR, CCPA), and export controls and sanctions regimes.
Cybersecurity risk management is governed by an integrated enterprise risk management framework, supported by a dedicated Cyber Response Team and quarterly board-level updates.

HELP24 provides 24/7/365 technical support.
Professional services include consulting, implementation, integration, testing, and education (ACI Education Services).
Product development includes customer/user groups, beta participation, and continuous quality assurance practices.

The ACI Payments Orchestration Platform supports a large segment of enterprise merchants, including seven of the top 10 global retailers.
Emphasis on cloud-first, scalable architectures with real-time, cross-border, and multi-currency capabilities.
Global workforce of 2,930 employees as of Dec 31, 2025, distributed across the Americas (1,335), EMEA (819), and Asia Pacific (776).

Employees: 2,930 worldwide (Dec 31, 2025).
Customers and reach: thousands of organizations, more than 80,000 merchants, customers in about 90 countries, and coverage of nearly all top-10 banks by asset size.
Revenue concentration: No single customer represented more than 10% of consolidated revenues for 2025, 2024, or 2023.