ACI Worldwide is a global payments technology company that provides the software infrastructure underpinning electronic payments for large banks, merchants and billers. Founded in 1975 and headquartered in Omaha, Nebraska, the firm employs nearly 4,000 people and operates in more than 94 countries, processing hundreds of billions of transactions a year. Its technical work spans payment processing software, real-time payments, card processing, fraud detection, bill payment systems, payments orchestration and banking and ATM software.
For engineers and data practitioners, the domain offers problems of scale and consequence: transaction flows measured in the hundreds of billions, fraud detection across card and real-time rails, and orchestration of payment methods across borders. The company's stated orientation is that payments are complex and that its work is to make that complexity manageable for customers.
Products include ACI Connetic, a payments solution for moving money securely, intelligently and at scale; the ACI Payments Orchestration Platform, which coordinates payment methods across borders for merchants and retailers; and ACI Speedpay, which lets billers such as utility companies accept and process bill payments. The customer base spans banking, retail, utilities, biller services and cross-border financial services.
The company is privately held in the sense that no funding information is disclosed here, and it has operated continuously since its founding nearly five decades ago. Its stated values emphasise secure, intelligent and scalable money movement across a global workforce.
