Aci Worldwide, Inc. (NASDAQ: ACIW)

Aci Worldwide, Inc. develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments orchestration to banks, merchants, and billers. The company powers the world's payments ecosystem by supporting any channel, any network, and any payment type. Aci Worldwide's solutions cater to the new payment experiences that help power customers' growth and drive innovation. The company's intelligent payments orchestration solutions empower customers to modernize their payments infrastructure to support the transactions their businesses need to stay ahead at scale and without downtime.

Aci Worldwide generates revenue through the development, marketing, installation, and support of its software solutions. The company's primary products include ACI Connetic, ACI Acquiring, ACI Issuing, ACI real-time payments, ACI RTGS and cross-border, ACI digital central infrastructure, ACI Payments Orchestration Platform, ACI Fraud Management, and Speedpay ONE. These solutions cater to a diverse customer base, including banks of all sizes, central banks, intermediaries, merchants, billers, third-party digital payment processors, payment associations, switch interchanges, and various transaction-generating endpoints. The company's solutions are used globally, with a significant presence in the Americas, Europe/Middle East/Africa, and Asia Pacific regions.

• Issuing and Acquiring: This segment offers comprehensive consumer payment solutions ranging from core payment engines to back-office support. Key products include ACI Connetic, which brings a modern, flexible payment solution to the market, and ACI Acquiring, which helps merchant acquirers and ATM acquirers process credit, debit, and prepaid card transactions. ACI Issuing is a digital payments issuing solution that helps issuers process card transactions, accelerate innovation, and deliver innovative security. This segment caters to banks and intermediaries looking to compete effectively in today's real-time, open payments ecosystem

• Account-to-Account Real-Time Payments: This segment covers real-time payments, ACH, Real-Time Gross Settlement (RTGS), and cross-border solutions. Key products include ACI real-time payments, which provides connectivity to instant payment rails, and ACI RTGS and cross-border, which are supported by a robust payments engine. The segment also includes ACI digital central infrastructure, a complete end-to-end solution that transforms and delivers benefits of real-time payments to a country switch for instant payments. This segment caters to banks and intermediaries looking to connect to global real-time payment schemes and deliver value-added services to their customers

• Merchant Payments (ACI Payments Orchestration Platform): This segment offers merchants a secure and scalable payments platform with the flexibility to support in-store, online, and mobile payments. The ACI Payments Orchestration Platform is a holistic, intelligent payments platform that orchestrates and optimizes payments by combining a powerful payments gateway with multilayered fraud management, advanced business intelligence tools, and access to an extensive global network of acquirers, third-party providers, and alternative payment methods. This segment caters to Tier 1 and Tier 2 merchants, payment service providers, independent selling organizations, value-added resellers, and acquirers

• Payments Intelligence and Risk Management: This segment secures banks, merchants, and billers through AI network intelligence. Key products include ACI Fraud Management for merchants and billers, which provides a combination of patented AI technology, fraud and payments data, predictive and behavioral analytics, positive profiling, customizable fraud strategies, expert support, and consortium data. ACI Fraud Management for financial institutions offers banks, intermediaries, and merchants with private-label portfolios a robust, sophisticated, and easy-to-integrate solution. The segment also includes ACI Fraud Scoring Services, an AI-first approach powered by the company's patented incremental learning technology. This segment caters to financial institutions, merchants, and billers looking to mitigate risks and reduce the burden of compliance

• Bill Payments: This segment meets the bill payment needs of billers across myriad industries through a range of electronic bill payment offerings. Key products include Speedpay ONE, a modern, scalable, and flexible payments platform designed to deliver multiple tiers of payments resiliency, security, and future-forward innovation for billers. This segment caters to billers operating in consumer finance, insurance, healthcare, higher education, utility, government, mortgage, subscription providers, and telecommunications categories

Aci Worldwide operates in a highly competitive digital payments market. The company faces competition from in-house information technology departments of existing and potential customers, as well as third-party digital payment processors. Key competitors by solution area include Fidelity National Information Service, Inc. (FIS), Finastra, Fiserv, Inc. (Fiserv), Mastercard, NCR, OpenWay Group, Total System Services, Inc. (Global Payments), Volante, and Worldline for issuing, acquiring, and account-to-account payments solutions. For merchant payments, competitors include Adyen, Cybersource (Visa Acceptance Solutions), Fiserv, Ingenico Group, NCR, Square, Inc., Tender Retail Inc., VeriFone Systems, Inc., Worldpay Inc. (FIS), and Worldline. In the payments intelligence and risk management segment, principal competitors include Accertify (American Express), BAE Systems, Cybersource (Visa), Fair Isaac Corporation (FICO), Featurespace, Feedzai, FIS, Fiserv, Forter, Kount, NCR, NICE LTD, and SAS Institute, Inc. For bill payments, primary competitors include Alacriti, FIS, Fiserv, InvoiceCloud, Kubra, One Inc., Paymentus, PayNearMe, and Repay. Aci Worldwide's competitive advantages include its ability to design and deliver quality products and solutions, identify and successfully complete and integrate strategic acquisitions, and combine a global perspective with a local presence to tailor digital payment solutions for its customers.

Aci Worldwide provides software products and solutions to its bank, intermediary, and merchant customers worldwide. Its bill payment products and solutions are sold in the United States. As of December 31, 2025, the company serves thousands of organizations, including nearly all of the top 10 banks worldwide, as measured by asset size, and 80,000+ merchants. The company has customers in approximately 90 countries on six continents. No single customer accounted for more than 10% of the company's consolidated revenues for the years ended December 31, 2025, 2024, and 2023. No customer accounted for more than 10% of the Company's consolidated receivables balance as of December 31, 2025 and 2024