ACI Worldwide




MarketCap US

US United States


ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.


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".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, and adding the Money Transfer System product.

Since 1995, ACI has been publicly traded on NASDAQ, initially under the name Transaction Systems Architects , and, since July 2007, under the name ACI Worldwide, Inc. . Prior to that ACI had periods of ownership by US West and Tandem, and as a private company.


August 7, 1998: IntraNet, Inc. was acquired by ACI Worldwide predecessor Transaction Systems Architects, Inc. IntraNet, Inc. manufactured software systems to facilitate electronic payments.

January 11, 2001: MessagingDirect was acquired by Transaction System Architects Inc., for approximately 3.3 million shares of Transaction Systems' Class A Common Stock.

June 29, 2005: S2 Systems signed an agreement to sell substantially all of its assets to Transaction Systems Architects, Inc.

October 5, 2005: Restructuring of Transaction Systems Architects, Inc. into a highly focused organization, merging ACI, Insession and IntraNet into one operating unit under the name ACI Worldwide. The name change became official in July, 2007.

August 8, 2006: P&H Solutions Inc., a provider of a Web-based corporate cash management product, was acquired by ACI Worldwide.

February 7, 2007: Visual WEB Solutions Inc., a financial banking applications company, was acquired.

November 17, 2009: Euronet Essentis was purchased by ACI to expand card issuing and merchant management capabilities

March 21, 2011: Acquisition of ISD Corporation was announced, to broaden the functionality of ACI's payments products for retailers.

February 13, 2012: S1 Corporation was acquired to broaden ACI's suite of payment offerings for financial organizations, processors and retailers.

March 11, 2013: Online Resources Corporation was acquired.

November 5, 2013:The purchase of Official Payments Holdings, a seller of electronic bill payment technology that processed about 20 million payments, worth more than $9 billion, annually, was completed.

July 21, 2014: An agreement was announced to acquire Retail Decisions . It was completed on August 12, 2014.

November 4, 2015: The acquisition of PAY.ON who provide white-label hosted payment gateway services was completed.

February 28, 2019: ACI enters agreement to acquire Speedpay, Western Union's U.S. bill pay business, for $750 million

Our Mission. ACI will lead the transformation of the global payments software ecosystem to a real-time, any-to-any paradigm built on acclaimed intellectual property and delivered in the cloud by a team of highly dedicated and innovative payments professionals committed to our customers' success.

We envision a future where the world's payments are trusted, secure, and simple. With ACI's business solutions, businesses of any size can take advantage of the opportunity to build a strong payment infrastructure and reach their payment needs, today and into the future.

Key Team

Mr. Dennis P. Byrnes (Exec. VP, Chief Legal Officer, Gen. Counsel & Sec.)

Mr. Mohammed Mortajine (Chief Risk & Admin. Officer)

Dan Ring (VP of PR)

Mr. Anthony D. Dinkins (Chief HR Officer)

Mr. Craig A. Maki (Chief Devel. Officer)

Mr. John Kraft (Head of Strategy & Fin.)

Mr. Hannes van Rensburg (Sr. VP of Bus. Devel.)

Recognition and Awards
ACI Worldwide has won multiple awards, including the American Payment Association’s 2016 Market Leaders Award and the American Bankers Association’s Payments Leader Award. The company also received the Fintech 100 Award in 2018 and was named #1 in Merchant Receiving Capability in the 2017 Aite Group Financial Technology Ranking.

ACI Worldwide
Leadership team

Mr. Thomas Woodrow Warsop III (Interim CEO & Pres and Director)

Mr. Scott W. Behrens (Exec. VP, CFO & Chief Accounting Officer)

Mr. Ram Puppala (Chief Technology Officer)

Products/ Services
Billing, Mobile Payments, Payments, Software
Number of Employees
1,000 - 20,000
Coral Gables, Florida, United States
Company Registration
SEC CIK number: 0000935036
Net Income
100M - 500M
Above - 1B
Traded as
Social Media
Sat Feb 24 2024

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