ACI Worldwide Inc - Company Profile
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Business Description
ACI Worldwide Inc (ACI) develops, markets, installs and supports software products and solutions. The company offers solutions such as fraud management, real-time payments, treasury management, loan servicing, e-commerce payments, digital wallet, anti-money laundering and value-added services.
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R&D Overview
ACI’s R&D arm focuses on creating new products and developing improved versions of existing products. The company partners with various device manufacturers like NCR, Wincor-Nixdorf, and Diebold to ensure compatibility with ATM technology. It also collaborates with several network vendors, including SWIFT, VISA, and MasterCard to ensure compliance with processing mandates and new regulations. The company collaborates with computer software and hardware and cloud-based infrastructure services such as Oracle, IBM, HPE and Microsoft Corporation, which are utilized by and in delivery of ACI’s products. As of December 2025, the company operated data center space in India, the UK, Ireland, Romania, South Africa, and Singapore. In FY2025, the company incurred an expense of US$167.5 million on R&D, which as a percentage of revenue stood, at 10.5%.
Business Segments
Overview
Provides electronic bill presentment and payment services to utility, government, consumer finance, mortgage, subscription providers, insurance, healthcare, higher education, and telecommunications categories. Also provides fraud abuse protection to biller customers by using proven artificial intelligence (AI), human, and data capabilities.
Performance
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Overview
Provides payment orchestration platforms for banks and merchants, supporting omnichannel payments, scheme compliance, product configuration, and fraud management for banks, and secure in-store and online payment acceptance for merchants and payments intermediaries across multiple industries.
Performance
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Geographical Segments
Performance
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Performance
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