ACI WORLDWIDE, INC.

ACI Worldwide, Inc. (NASDAQ: ACIW) is a global software company that develops, markets, installs, and supports intelligent payments orchestration solutions for banks, merchants, and billers worldwide. The company's website is www.aciworldwide.com.

ACI powers the world's payments ecosystem by enabling complex payment processing across any channel, network, and payment type. The company's comprehensive solution portfolio spans the entire payments value chain, addressing authentication, authorization, switching, settlement, fraud detection, and reconciliation of digital payments. ACI's software operates continuously across 24 hours, seven days a week, supporting transactions from diverse sources including ATMs, point-of-sale terminals, mobile devices, and internet commerce platforms.

The company serves three primary markets. Banks and intermediaries utilize ACI's solutions to transform complex payment environments, reduce costs, and deliver consistent customer experiences while preventing fraud. Merchants, including seven of the top ten global retailers, leverage ACI's Payments Orchestration Platform to process in-store, online, and mobile payments securely across more than 80,000 merchants worldwide. Billers in consumer finance, insurance, healthcare, utilities, and telecommunications use ACI's electronic bill presentment and payment services to optimize operations and customer satisfaction.

ACI's core solution areas include issuing and acquiring platforms, account-to-account real-time payments, merchant payments orchestration, payments intelligence and risk management powered by artificial intelligence, and bill payment services. The company offers these solutions through traditional on-premises software licenses, cloud-based Software-as-a-Service arrangements, or hybrid deployments tailored to customer requirements.

As of December 31, 2025, ACI employed 2,930 people across the Americas, Europe/Middle East/Africa, and Asia Pacific regions, serving customers in approximately 90 countries. The company serves nearly all top ten banks globally by asset size and maintains no single customer representing more than ten percent of consolidated revenues. ACI was incorporated as a Delaware corporation in 1993 and has built its market position through organic product development and strategic acquisitions that expanded its payments software capabilities.