{ "schemaVersion": 1, "organisationId": "O-52b7bf0c86764c0389f95375661c0b7d", "slug": "aci-worldwide-inc", "name": "ACI WORLDWIDE, INC.", "updatedAt": "2026-10-02T16:46:12.293197Z", "sections": [ { "type": "OVERVIEW", "text": "ACI Worldwide, Inc. is a financial-technology company focused on software that enables electronic and real-time payments. Its products serve banks, merchants, and billers, spanning payment processing and orchestration, issuing and acquiring, merchant payments, payments intelligence, and electronic bill presentment and payment. [P31963828][P38366421][P23996378]\n\nACI operates globally, serving clients in 94 countries and employing 2,930 people worldwide as of December 31, 2025. Its stated vision is a world where everyone can access and exchange money quickly, easily, and securely. [P31963828][https://www.aciworldwide.com/about-aci] For fiscal 2025, the company reported revenue of $1.760 billion. [T10045367]\n[P31963828][P38366421][P23996378][https://www.aciworldwide.com/about-aci][T10045367][https://www.aciworldwide.com/about-aci]", "updatedAt": "2026-10-02T16:46:12.293197Z" }, { "type": "PRODUCTS", "text": "ACI Connetic is a cloud-native payments hub for banks and intermediaries, designed to process, route, and manage multiple payment types across networks and channels. ACI’s real-time payments capabilities connect to instant-payment rails and support payment origination, processing, orchestration, clearing, settlement, fraud detection, exception handling, batch processing, and liquidity management. [P7435615][P31805182][P23574625]\n\nSpeedpay ONE is a bill-payment platform offering expanded payment options, including the ability to pay different recipients from any funding account. ACI also offers fraud products: ACI Fraud Management uses incremental-learning AI, predictive and behavioral analytics, configurable strategies, and consortium data, with public-cloud multi-tenant or on-premises deployment; ACI Fraud Scoring Services provides API-based transaction risk scores, explanations, transaction-path selection, and ongoing model monitoring. [P120045334][P36474171][P94264764] Merchant and biller offerings include omnichannel payment acceptance through a single API, electronic bill presentment and payment, and fraud-abuse protection for billers. [P3281976][P147968576]\n\nFor the six months ended June 30, 2026, ACI reported $856.172 million in total revenue. By solution category, bill payments contributed $446.344 million (52.1%), issuing and acquiring $240.901 million (28.1%), merchant payments $88.151 million (10.3%), real-time payments $55.287 million (6.5%), and payments intelligence $25.489 million (3.0%). These are category-level shares, not revenue splits for individual branded products. [T16954481]\n[P7435615][P31805182][P23574625][P120045334][P36474171][P94264764][P3281976][P147968576][T16954481][T16954481][T16954481][T16954481][T16954481][T16954481]", "updatedAt": "2026-10-02T16:46:12.293197Z" }, { "type": "GEOGRAPHY", "text": "ACI Worldwide has a geographically distributed workforce. At December 31, 2025, it reported 2,930 employees worldwide: 1,335 in the Americas, 819 in EMEA, and 776 in Asia Pacific, with employees in more than 40 countries. [https://www.sec.gov/Archives/edgar/data/935036/000093503626000011/aciw-20251231.htm] The company states that it has offices in 34 countries and customers in 95 countries. [https://www.aciworldwide.com/about-aci]\n\nIts principal executive offices are in Elkhorn, Nebraska, United States. [P25925469] The FY2025 filing reports revenue by business segment rather than by country or region, so a geographic revenue breakdown is not available in the reported figures. [D281113]\n[https://www.sec.gov/Archives/edgar/data/935036/000093503626000011/aciw-20251231.htm][https://www.aciworldwide.com/about-aci][P25925469][D281113][https://www.sec.gov/Archives/edgar/data/935036/000093503626000011/aciw-20251231.htm][https://www.aciworldwide.com/about-aci]", "updatedAt": "2026-10-02T16:46:12.293197Z" }, { "type": "SEGMENTS", "text": "ACI Worldwide reports two operating segments. **Payment Software** serves banks and merchants with payment solutions, including banking and digital payment services and secure in-store and online merchant payments. In FY2025, it generated $942.1 million, approximately 53.5% of total revenue. [P16697352][P38366421][T14120885]\n\n**Biller** provides electronic bill presentment and payment services across sectors including consumer finance, insurance, healthcare, education, utilities, government, mortgage, subscriptions and telecommunications; its offerings also include fraud-abuse protection. FY2025 revenue was $817.7 million, approximately 46.5% of the $1,759.8 million total. [P16697352][P23996378][T14120885]\n[P16697352][P38366421][T14120885][P23996378]", "updatedAt": "2026-10-02T16:46:12.293197Z" }, { "type": "HISTORY", "text": "ACI Worldwide traces its founding to Omaha in 1975, when it began developing software for banking and ATM systems. It launched its BASE24 product family in 1982, initially for ATM networks and later expanded to point-of-sale and branch systems. [https://www.aciworldwide.com/wp-content/uploads/2025/07/ACI-50-Years-of-PWPE-Timeline.pdf][https://www.aciworldwide.com/blog/50-years-of-aci-worldwide-shaping-the-future-of-payments] The present corporation was incorporated in 1993 as ACI Holding, Inc., acquired Applied Communications entities from Tandem Computers that year, and began trading publicly as Transaction Systems Architects in 1995. It changed its name to ACI Worldwide, Inc. in 2007. [P63582679][https://www.aciworldwide.com/about-aci/history]\n\nACI broadened its payments and banking portfolio through acquisitions, including S1 Corporation in 2012 and Online Resources Corporation and Official Payments in 2013. [P190912152][https://investor.aciworldwide.com/static-files/286544f0-7f07-43ca-8526-a4b5a531b650][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-completes-acquisition-online-resources-corporation][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-completes-acquisition-official-payments] In 2019, it acquired Western Union’s Speedpay business and Walletron, expanding its U.S. bill-payment and mobile-wallet capabilities. [https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquire-western-unions-speedpay-us-domestic-bill][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-unveils-new-mobile-wallet-payment-and-loyalty] In 2025, ACI introduced its cloud-native ACI Connetic payments hub and acquired Payment Components, whose financial-messaging and Open Banking technology it planned to integrate into the platform. [https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-redefines-payments-aci-connetic][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquires-european-fintech-payment-components]\n[P63582679][P190912152][https://www.aciworldwide.com/wp-content/uploads/2025/07/ACI-50-Years-of-PWPE-Timeline.pdf][https://www.aciworldwide.com/blog/50-years-of-aci-worldwide-shaping-the-future-of-payments][https://www.aciworldwide.com/about-aci/history][https://investor.aciworldwide.com/static-files/286544f0-7f07-43ca-8526-a4b5a531b650][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-completes-acquisition-online-resources-corporation][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-completes-acquisition-official-payments][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquire-western-unions-speedpay-us-domestic-bill][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-unveils-new-mobile-wallet-payment-and-loyalty][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-redefines-payments-aci-connetic][https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquires-european-fintech-payment-components]", 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