| operating_income = {{nowrap|{{increase}} US$ 308.1 million (2024)[https://investor.aciworldwide.com/static-files/3119b741-96d1-4ec5-92f5-d567443d9366]}}

| net_income = {{nowrap|{{increase}} US$ 203 million (2024)[https://investor.aciworldwide.com/static-files/3119b741-96d1-4ec5-92f5-d567443d9366]}}

| assets = {{nowrap|{{decrease}} US$ 3.02 billion (2024)[https://investor.aciworldwide.com/static-files/3119b741-96d1-4ec5-92f5-d567443d9366]}}

| equity = {{nowrap|{{increase}} US$ 1.4 billion (2024)[https://investor.aciworldwide.com/static-files/3119b741-96d1-4ec5-92f5-d567443d9366]}}

| num_employees = {{nowrap|>4,100}}

| num_employees_year = 2023

| homepage = {{URL|https://aciworldwide.com}}

}}

ACI Worldwide is a digital payments software company headquartered in Elkhorn, Nebraska, that processes billions of transactions daily equating to trillions of U.S. dollars for customers in 94 countries. Banks, financial institutions, merchants, billers, acquirers, issuers, and other third-party payment service providers use its intelligent solutions to deploy secure payment rails across all channels.

Partnerships

ACI Worldwide has partnered with organizations like AWS, Google, Red Hat, IBM, Mastercard, Visa, and other fintech innovators to enable banks, merchants, and billers to easily and securely accept, transform, and transmit any payment instantly on a platform.

History

ACI was founded in Omaha, Nebraska as Applied Communications Inc, on

September 1, 1975, to develop software for communications applications using the new NonStop computers from Tandem Computers. The founders were James Cody, Dave Willadsen, and Dennis Gates. Chuck Hackett, Charly Foglesong, and Mike May began ACI's relationship with Tandem. Early projects involved building systems to handle ATMs and front ends for core banking systems, which led to the launch of the first product, BASE24, in 1982. BASE24 was coined by a salesman to represent "Baseline Software for 24 hour-per-day system operations".{{Cite web |title=Our History |url=https://www.aciworldwide.com/about-aci/history |access-date=2023-01-26 |website=ACI Worldwide |language=en-US}}{{Citation needed|date=January 2020}}

BASE24 was expanded over time to service transactions from other channels, such as POS terminals and bank branch systems. The product portfolio grew to cover functions related to card transactions, such as clearing, settlement and fraud detection. The hardware support for these products was extended to suppliers IBM, HP, Stratus and Sun Microsystems.

In the 1990s, ACI's product range was expanded to cover wholesale banking payments with software for ACH transactions and wire transfers leading to the acquisition of IntraNet, Inc. in 1998,{{cite web|title=ACI corporate banking division reverts to IntraNet brand name|date = 2 October 2001|url=http://www.finextra.com/News/fullstory.aspx?newsitemid=3296|publisher=Finextra|access-date=14 June 2011}} and adding the Money Transfer System product.

Since 1995, ACI has been publicly traded on NASDAQ, initially under the name Transaction Systems Architects (TSA), and, since July 2007, under the name ACI Worldwide, Inc. (ACIW).{{cite web|title=TSA changes name to ACI Worldwide |url=http://www.atmmarketplace.com/article/130418/TSA-changes-name-to-ACI-Worldwide |publisher=ATM Marketplace |access-date=14 June 2011 |url-status=dead |archive-url=https://web.archive.org/web/20120209091738/http://www.atmmarketplace.com/article/130418/TSA-changes-name-to-ACI-Worldwide |archive-date=9 February 2012 }} Prior to that ACI had periods of ownership by US West and Tandem, and as a private company.

= Acquisitions =

1998: IntraNet, Inc.{{cite web|url=http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=982654|archive-url=https://archive.today/20140213143354/http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=982654|url-status=dead|archive-date=February 13, 2014|title=IntraNet, Inc.: Private Company Information - Bloomberg|website=investing.businessweek.com}} was acquired by ACI Worldwide's predecessor Transaction Systems Architects, Inc. IntraNet, Inc. manufactured software systems to facilitate electronic payments.
2005: S2 Systems signed an agreement to sell substantially all its assets to Transaction Systems Architects, Inc.{{cite web|url=http://www.businesswire.com/news/home/20050629005925/en/Transaction-Systems-Architects-Acquire-S2-Systems-Accretive#.UvUlSUJdWip|title=Transaction Systems Architects to Acquire S2 Systems; Accretive Acquisition Strengthens Industry Leadership|website=www.businesswire.com|date=2005-06-29}}
2005: Restructuring of Transaction Systems Architects, Inc. into a highly focused organization, merging ACI, Insession, and IntraNet {{cite web|url=http://www.businesswire.com/news/home/20051005005862/en/Transaction-Systems-Architects-Combine-Business-Units#.UvUjVUJdWip|title=Transaction Systems Architects to Combine Business Units|website=www.businesswire.com|date=2005-10-05}}{{cite web|url=https://www.finextra.com/pressarticle/6242/tsa-restructures-merges-aci-insession-and-intranet|title=TSA restructures, merges ACI, Insession and IntraNet|date=6 October 2005|website=Finextra Research}} into one operating unit under the name ACI Worldwide. The name change became official in July 2007.
2006: P&H Solutions Inc., a provider of a Web-based corporate cash management product, was acquired by ACI Worldwide.{{cite web|url=http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=104607|archive-url=https://archive.today/20140213143346/http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=104607|url-status=dead|archive-date=February 13, 2014|title=P&H Solutions, Inc.: Private Company Information - Bloomberg|website=investing.businessweek.com}}
2006: Electronic Payment Systems AG (eps) was acquired.
2007: Stratasoft Sdn Bhd was acquired.
2007: Visual WEB Solutions Inc.,{{cite web|url=http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=6324527|archive-url=https://archive.today/20140213143351/http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=6324527|url-status=dead|archive-date=February 13, 2014|title=Visual WEB Solutions, Inc.: Private Company Information - Bloomberg|website=investing.businessweek.com}} a financial banking applications company, was acquired.
2009: Euronet Essentis{{cite press release|url=http://globenewswire.com/news-release/2009/11/17/409319/178591/en/ACI-Worldwide-to-Acquire-Euronet-Essentis.html|title=ACI Worldwide to Acquire Euronet Essentis|first=|last=|publisher=GlobeNewsWire.com|date=2009-11-17}} was purchased by ACI to expand card issuing and merchant management capabilities{{cite web|title=ACI to buy Euronet's Essentis unit|date = 17 November 2009|url=http://www.finextra.com/news/announcement.aspx?pressreleaseid=31042|publisher=Finextra.com}}
2011: The acquisition of ISD Corporation was announced{{cite web|url=http://www.businessweek.com/ap/financialnews/D9M3T6PG0.htm |title=ACI Worldwide acquires ISD Corp. - BusinessWeek |access-date=2011-06-14 |url-status=dead |archive-url=https://web.archive.org/web/20110623083217/http://www.businessweek.com/ap/financialnews/D9M3T6PG0.htm |archive-date=2011-06-23 }} to broaden the functionality of ACI's payments products for retailers.{{cite web|title=ACI Worldwide acquires ISD Corp. |url=http://www.businessweek.com/ap/financialnews/D9M3T6PG0.htm |publisher=Bloomberg Businessweek |url-status=dead |archive-url=https://web.archive.org/web/20110623083217/http://www.businessweek.com/ap/financialnews/D9M3T6PG0.htm |archive-date=2011-06-23 }}
2012: S1 Corporation was acquired{{cite web|url=http://www.thepaypers.com/payments-general/aci-worldwide-completes-acquisition-of-s1-corporation/746719-27|title=ACI Worldwide completes acquisition of S1 Corporation|website=www.thepaypers.com}} to broaden ACI's suite of payment offerings for financial organizations, processors and retailers.{{cite web|url=http://www.businessweek.com/ap/financialnews/D9Q4TDGO0.htm|archive-url=https://web.archive.org/web/20130320004148/http://www.businessweek.com/ap/financialnews/D9Q4TDGO0.htm|url-status=dead|archive-date=March 20, 2013|title=Bloomberg BusinessWeek article|publisher=}}{{cite news|url=https://www.reuters.com/article/s1-aciworldwide/update-2-aci-to-buy-s1-for-516-mln-in-cash-stock-idUSL3E7L31MB20111003|title=ACI Seals S1 deal for $516 million|date=3 October 2011|publisher=|newspaper=Reuters|last1=Agrawal|first1=Brenton Cordeiro}}
2012: North Data Uruguay S.A. was acquired.
2012: Distra Pty Ltd was acquired.
2013: Online Resources Corporation was acquired.{{cite web |title=ACI Worldwide Inc|url=https://www.reuters.com/finance/stocks/ACIW.O/key-developments/article/2710230 |website=U.S.}}
2013: Official Payments Holdings,{{cite web|url=http://www.americanbanker.com/issues/178_215/aci-worldwide-closes-official-payments-deal-1063455-1.html|title=ACI Worldwide Closes Official Payments Deal|date=6 November 2013|publisher=}} a provider of electronic bill payment technology, was acquired. The company processed approximately 20 million payments, totaling over $9 billion annually.{{cite web|url=http://files.shareholder.com/downloads/ACIW/3010632205x0xS1193125-14-76222/935036/filing.pdf|title=ACI Worldwide, Inc. Form 10-K Period Ending December 31, 2013|access-date=March 10, 2014|archive-url=https://web.archive.org/web/20140310213127/http://files.shareholder.com/downloads/ACIW/3010632205x0xS1193125-14-76222/935036/filing.pdf|archive-date=March 10, 2014|url-status=dead}}
2013: Profesionales en Transacciones Electronicas S.A. (PTESA) was acquired.
2014: An agreement to acquire Retail Decisions (ReD) was announced{{cite web |url=http://www.aciworldwide.com/news-and-events/press-releases/aci-worldwide-to-acquire-red.aspx |title=ACI Worldwide to Acquire Retail Decisions (ReD) |website=ACI Worldwide |access-date=2014-07-21 |archive-date=2016-03-31 |archive-url=https://web.archive.org/web/20160331224259/http://www.aciworldwide.com/news-and-events/press-releases/aci-worldwide-to-acquire-red.aspx |url-status=dead}}{{cite web|url=https://www.finextra.com/newsarticle/26284/aci-worldwide-seeks-opportunities-in-cnp-fraud-protection-with-red-acquisition|title=ACI Worldwide seeks opportunities in CNP fraud protection with ReD acquisition|date=21 July 2014|website=Finextra Research}} and completed on August 12, 2014.{{cite web|url=https://www.finextra.com/pressarticle/56374/aci-worldwide-closes-red-acquisition|title=ACI Worldwide closes ReD acquisition|date=13 August 2014|website=Finextra Research}}
2015: PAY.ON, which provides white-label hosted payment gateway services, was acquired.{{cite web|url=http://www.pymnts.com/news/2015/aci-goes-x-border-with-pay-on-acquisition/|title=ACI Pays Up For PAY.ON PYMNTS.com|website=www.pymnts.com|date=5 November 2015}}
2019: ACI enters agreement to acquire Speedpay,{{cite news |title=ACI Purchases Western Union's Speedpay Business |url=https://www.pymnts.com/news/partnerships-acquisitions/2019/aci-purchase-western-union-speedpay/ |access-date=12 March 2021 |work=www.pymnts.com |date=28 February 2019}} Western Union's U.S. bill pay business, for $750 million {{cite web|url=https://www.finextra.com/newsarticle/33453/aci-worldwide-acquires-bill-payment-firm-speedpay-for-750-million|title=ACI Worldwide acquires bill payment firm Speedpay for $750 million|date=28 February 2019|website=Finextra Research |author1=Finextra }}
2019: Walletron was acquired.

= Awards and Rankings =

U.S. News & World Report [https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-named-top-workplace-us-news-world-report-and?_gl=1*1fxqekf*_ga*MTAzNTcwODg0Mi4xNzIzNDY4NzA5*_ga_XFBVQC4DTD*MTc0MTE4ODQwNS4zMjMuMS4xNzQxMTg4NDc1LjAuMC4xNjcxNjIxNTE2*_fplc*Y0lzZnNvVU1BV283biUyQmhGYnVNWThFcTZpY3JuR1JhVTdGbEN3Z2hlTGhFWThDWnZqZ0VpOFBFSmtlbyUyQnc3THQlMkJGMXZlOEptU3RKQlVQRXVkNUV4VFRjbmgwV0RLb1RBVzVqcCUyQkgwNnBWcXc2Yjc1aTRSWDVCWEcwT1I4R2clM0QlM0Q. Best Companies to Work For 2024-2025]
Newsweek America’s [https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-named-top-workplace-us-news-world-report-and Greatest Workplaces for Diversity]
Newsweek America’s [https://www.newsweek.com/rankings/americas-greatest-workplaces-women-2024/mid-size-companies Greatest Workplaces for Women]
Newsweek America’s [https://www.newsweek.com/rankings/americas-greatest-workplaces-mental-wellbeing-2024 Greatest Workplaces for Mental Wellbeing]
MEA Finance and Banking Technology Summit & Awards: [https://awards.mea-finance.com/bankingtech/2024/#categories Best Risk Management Solution Provider:] ACI Fraud Management
Datos Insights Matrix, [https://investor.aciworldwide.com/news-releases/news-release-details/datos-names-aci-worldwide-best-class-payments-orchestration?_gl=1*61dv*_ga*MTAzNTcwODg0Mi4xNzIzNDY4NzA5*_ga_XFBVQC4DTD*MTc0MTE4ODQwNS4zMjMuMS4xNzQxMTg4NDc1LjAuMC4xNjcxNjIxNTE2*_fplc*Y0lzZnNvVU1BV283biUyQmhGYnVNWThFcTZpY3JuR1JhVTdGbEN3Z2hlTGhFWThDWnZqZ0VpOFBFSmtlbyUyQnc3THQlMkJGMXZlOEptU3RKQlVQRXVkNUV4VFRjbmgwV0RLb1RBVzVqcCUyQkgwNnBWcXc2Yjc1aTRSWDVCWEcwT1I4R2clM0QlM0Q. Best in Class Payments Orchestration]
National Technology Award — Security Innovation of the Year — ACI
Fraud Management
National Technology Award — Retail Tech of the Year — ACI Payments Orchestration Platform™
Payments Award — Beat Marketing Campaign of the Year
Pay 360 Awards — Best Lending Initiative — ACI Pay After™
Juniper Research Future Digital Awards 2024 — [https://www.juniperresearch.com/awards/fintech-payments-awards/ Merchant Fraud Prevention Platform Platinum Prize] — ACI Fraud Management for Merchants
Juniper Research Future Digital Awards 2024 — [https://www.juniperresearch.com/awards/fintech-payments-awards/ AI in Fraud Prevention Innovation Gold Prize] — ACI Fraud Management for Merchants
CFO Tech Outlook — Top Financial Fraud Detection Solution — ACI Payments Orchestration Platform™
Merchant Payments Ecosystem Awards 2023 — Best Payments Orchestration Platform — ACI Payments Orchestration Platform™
Paytech Awards U.S. — Best Consumer Payments Solution — ACI Payments Orchestration Platform™
Global Payments Innovation Awards 2023 — Highly Acclaimed: Best Payments-Led Financial Inclusion Initiative by a Vendor — Digital Central Infrastructure
Fintech Finance — Best Real-Time Payments — ACI Low Value Real-Time Payments™
Fintech Finance — Best Cross-Border Payments — ACI Low Value Real-Time Payments™