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Item 1. Business

2026-02-26 compared with 2025-02-27 · 111 added, 118 removed, 149 unchanged (61% of the section changed)

ACI develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments o rchestration to banks, merchants, and billers .

ACI powers the payments ecosystem by supporting any channel, any network, and any payment type.

ACI powers the world's payments ecosystem by supporting any channel, any network, and any payment type.

Our solutions support the new payment experiences that help power customers' growth and drive innovation.

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These activities are typically performed online and are conducted 24 hours a day, seven days a week.

ACI combines a global perspective with local presence to tailor digital payment solutions for our customers.

ACI combines a global perspective with a local presence to tailor digital payment solutions for our customers.

We believe that we have one of the most diverse and robust digital payment solution portfolios in the industry with application software spanning the entire payments value chain.

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ACI’s comprehensive digital payment solutions serve three key markets:

ACI provides payment solutions to large and mid-size banks globally for both retail banking, digital, and other payment services.

Banks, Intermediaries, and Merchants

ACI provides payment solutions to large and mid-sized banks globally for both retail banking, digital, and other payment services.

Our solutions transform banks’ complex payment environments to speed time to market, reduce costs, and deliver a consistent experience to customers across channels while enabling them to prevent and rapidly react to fraudulent activity.

In addition, we enable banks to meet the requirements of different real-time payment schemes and quickly create differentiated products to meet consumer, business, and merchant demands.

In addition, we enable banks to meet the requirements of different payment schemes and to quickly create differentiated products to meet consumer, business, and merchant demands.

ACI’s payment solutions support intermediaries, such as processors, networks, payment service providers (“PSPs”), and new financial technology ("fintech") entrants.

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Our solutions also allow new entrants in the digital marketplace to access innovative payment schemes, such as the U.S.

FedNow ® Services and RTP ® from The Clearing House, the U.K.

Faster Payments, European TIPS, Australia NPP, South Africa RPP, the Payments Network Malaysia ("PayNet"), Real-time Retail Payments Platform ("RPP"), and others.

FedNow ® Services and RTP ® from The Clearing House, the UK Faster Payments, European TIPS, Australia NPP, South Africa RPP, the Payments Network Malaysia ("PayNe"), Real-time Retail Payments Platform ("RPP"), and others.

ACI’s support of merchants globally includes Tier 1 and Tier 2 merchants (in-store and online), PSPs, independent selling organizations (“ISOs”), value-added resellers (“VARs”), and acquirers who service them.

These customers operate in a variety of verticals, including general retail, grocery, hospitality, dining, travel and ticketing, fuel, telecommunications, and others.

These customers operate in a variety of verticals, including general retail, grocery, hospitality, dining, travel and ticketing, and others.

Our solutions provide merchants with a secure, omnichannel payments platform that gives them flexibility and independence.

Leveraging the vast choice of integrations through a single application programming interface ("API") and ACI’s proven artificial intelligence ("AI"), human, and data capabilities, merchant customers can orchestrate and protect payments and maximize convergence while reducing risk and operational costs.

ACI ® Payments Orchestration Platform ™ serves more than 80,000 merchants worldwide and is powering payments for five of the top 10 retailers globally.

Leveraging the vast choice of integrations through a single application programming interface ("API") and ACI’s proven AI, human, and data capabilities, merchant customers can orchestrate and protect payments and maximize convergence while reducing risk and operational costs.

ACI ® Payments Orchestration Platform ™ serves more than 80,000 merchants worldwide and is powering payments for seven of the top 10 retailers globally.

We also offer secure solutions to online-only merchants that provide consumers with a convenient and seamless way to shop.

Within the biller segment, ACI provides electronic bill presentment and payment (“EBPP”) services to companies operating in the consumer finance, insurance, healthcare, higher education, utility, government, mortgage, subscription provider, and telecommunications categories.

Our solution and products enable these customers to support a wide range of payment options and provide a convenient consumer payments experience that drives consumer loyalty and increases revenue.

We also provide fraud abuse protection to our biller customers leveraging our proven AI, human, and data capabilities.

ACI is a global software company that provides mission-critical, real-time payment solutions that deliver intelligent payments orchestration to banks, merchants, and billers.

Within the biller segment, ACI provides electronic bill presentment and payment (“EBPP”) services to billers operating in the consumer finance, insurance, healthcare, higher education, utility, government, mortgage, subscription providers, and telecommunications categories.

Our solutions enable these customers to support a wide range of payment channels and types as well as provide a convenient consumer payments experience that helps billers optimize growth and operational efficiencies while improving customer experience.

We also provide advanced fraud protection services to our biller customers, leveraging our proven AI, human, and data analytics capabilities.

ACI is a global software company that delivers intelligent payments orchestration to banks, merchants, and billers.

Customers use our proven, scalable, and secure solutions to process and manage digital payments, enable omni-commerce payments, present and process bill payments, and manage fraud and risk.

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ACI offers comprehensive consumer payment solutions ranging from core payment engines to back-office support that enable banks and intermediaries to compete effectively in today’s real-time, open payments ecosystem.

ACI ® Acquiring ™ is a solution that helps merchant and ATM acquirers process credit, debit, and prepaid card transactions, deliver digital innovation, improve fraud prevention, and reduce interchange fees.

ACI Connetic ® brings a modern, flexible payment solution to the market that enables banks and intermediaries to build and intelligently orchestrate payment services, offering a unified ecosystem built on modern technology with a financial institution's future in mind for processing, routing, and managing multiple payment types across diverse networks and channels.

ACI ® Acquiring ™ is a solution that helps merchant acquirers and ATM acquirers process credit, debit, and prepaid card transactions, deliver digital innovation, improve fraud prevention, and reduce interchange fees.

ACI Issuing ™ is a digital payments issuing solution that helps issuers process card transactions, accelerate innovation, give customers new payment offerings, and deliver innovative security, with flexible cloud-based or on-premises deployment.

ACI Enterprise Payments Platform ™ is a market-leading technology that provides payment players global payment processing and orchestration capabilities for all digital payments, including high- and low-value payments, real-time and alternative payments, and cards.

Account-to-Account Payments

ACI supports account-to-account payment processing for banks and intermediaries globally, ensuring multi-bank, multi-currency, and 24x7x365 payment processing capabilities, as well as complete and ongoing regulatory compliance.

Offered to the market in several forms, the ACI account-to-account payments capability enables banks to process all types of digital payments with a specific focus on two key growth areas for digital payments:

Support for domestic low-value real-time payments with a complete range of capabilities for 24x7x365 processing of real-time payments, including origination, orchestration, clearing and settlement, fraud detection, and connectivity.

Support for high-value and cross-border payments offering multi-bank, multi-currency, and wire and Real-Time Gross Settlement ("RTGS") payment processing capabilities, as well as cross-border and domestic SWIFT messaging with seamless integrations to multiple clearing and settlement mechanisms.

Merchant Payments

Account-to-Account Real-Time Payments

ACI Account-to-Account Payments' capabilities cover real-time payments, ACH, Real-Time Gross Settlement ("RTGS"), and cross-border solutions.

ACI real-time payments provides connectivity to instant payment rails, including origination, processing, orchestration, clearing and settlement, and fraud detection, and connectivity.

The solution enables banks and intermediaries to connect to global real-time payment schemes and deliver value-added services to their customers.

Organizations can flexibly take advantage of a wide array of business services including intuitive transaction search, real-time exceptions processing, batch handling, liquidity management, and more to support real-time, instant transactions.

ACI RTGS and cross-border are supported by a robust payments engine that offers numerous ISO 20022 and RTGS schemes.

Featuring multi-currency, 24x7 payment processing capabilities with various payment acquisition options, value-added enrichments, STP processing, exception processing, and back-office integration interfaces.

Allows financial institutions to process payments with a flexible solution that offers Swift GPI, Swift Go processing capabilities, and includes connectivity to European, UK, and U.S.

RTGS schemes such as Target2, CHAPS, Fedwire, and CHIPS, as well as other schemes around the world.

ACI digital central infrastructure is a complete end-to-end solution that transforms and delivers benefits of real-time payments to a country switch for instant payments.

Leveraging ISO 20022 standards and designed for the resilience and 24/7 processing that a country-level solution requires, it empowers new digital overlay services such as Request to Pay and QR-code processing to help a country modernize their payments ecosystem.

Merchant Payments (ACI Payments Orchestration Platform ™ )

ACI offers merchants a secure and scalable payments platform with the flexibility to support in-store, online, and mobile payments.

ACI Payments Orchestration Platform is a holistic, omnichannel payments platform that orchestrates and optimizes payments by combining a powerful payments gateway with multilayered, AI-based fraud management, advanced business intelligence tools, and access to an extensive global network of acquirers, third-party providers, and alternative payment methods.

Payments Intelligence

ACI’s payments intelligence framework supports banks, merchants, and billers by leveraging generative AI.

It effectively combines artificial and human insights with data intelligence to achieve precision, mitigate sophisticated threats, and deliver value-added services for hyper-personalized consumer experiences.

ACI Fraud Management ™ for merchants and billers provides a combination of patented AI technology, referred to as incremental machine learning models, fraud and payments data, predictive and behavioral analytics, positive profiling, customizable fraud strategies, expert support, and consortium data to mitigate risks and reduce the burden of compliance, delivered as a multi-tenant platform as a service, deployed in the public cloud, or on premises.

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.

Payments Intelligence and Risk Management

ACI’s payments intelligence framework secures banks, merchants, and billers through AI network intelligence.

It effectively combines artificial and human insights with network intelligence to achieve decision precision, mitigate sophisticated threats, and deliver value-added services for hyper-personalized consumer experiences.

It enables customers to protect their payments end to end from customer check-in to payment and post authorization, enhancing the customer experience.

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ACI Fraud Scoring Services ™ , part of ACI Fraud Management for financial institutions, is an AI-first approach powered by our patented incremental learning technology, delivered via API calls to enhance fraud strategies and complement existing fraud prevention solutions.

Available as a service from our platform, ACI provides customers with a risk assessment that combines the most advanced AI, human, and data capabilities, delivering the precise fraud scores for any type of financial transaction, accompanied by explanation for the assessment.

ACI maintains a large set of signals, features, and machine learning models, and orchestrates each transaction through the path that delivers best results.

When necessary, ACI monitors, maintains, and refreshes all the machine learning models and strategies used, reducing the burden a customer would have to deploy and maintain the most advanced AI solutions.

ACI meets the bill payment needs of corporate customers across myriad industries through a range of electronic bill payment offerings that help companies raise consumer satisfaction while reducing costs.

ACI Speedpay ® is an integrated suite of digital billing, payment, disbursement, and communication services that lowers the cost of presenting and accepting bill payments while delivering industry-leading security.

ACI Speedpay is a true omni-channel solution, allowing customers to pay their bills through their preferred channels, whether online, via mobile, or in person.

This flexibility is crucial in today’s digital age, where consumers expect seamless and convenient payment experiences.

Available as a service from our platform, ACI provides customers with a risk assessment that combines the most advanced AI, human, and data capabilities, delivering precise fraud scores for any type of financial transaction, accompanied by explanation for the assessment.

ACI maintains a very large set of signals, features, and machine learning models, and orchestrates each transaction through the path that delivers the best results for the customer.

When necessary, ACI monitors, maintains, and refreshes all the machine learning models and strategies used, reducing all the burden a customer would have to deploy and maintain the most advanced AI solutions.

Bill Payments

ACI meets the bill payment needs of billers across myriad industries through a range of electronic bill payment offerings that help companies raise consumer satisfaction while reducing costs.

Speedpay ONE ™ is a modern, scalable, and flexible payments platform that is designed to deliver multiple tiers of payments resiliency, security, and future-forward innovation for billers.

This new era bill pay platform is fast, easy, and secure and helps billers drive operational efficiencies by reducing paper statements and calls into the contact center, increasing topline growth through expanded payment options and customer satisfaction, and improving retention by meeting customers where they are in terms of digital payments and the ability to pay anyone from any funding account.

On-Premises, On-Demand, or Hybrid Software Delivery Options

Our software solutions are offered to our customers through either a traditional term software license arrangement where the software is installed and operated on the customer premises or in a cloud environment, through an on-demand arrangement where the solution is maintained and delivered through the public cloud or ACI's private cloud via our global data centers, or a combination of the two based upon their unique needs.

Solutions delivered through ACI’s on-demand cloud are available in either a single-tenant environment, known as a Software-as-a-Service (“SaaS”) offering, or in a multi-tenant environment, known as a Platform-as-a-Service (“PaaS”) offering.

Solutions delivered through ACI’s on-demand cloud are available either as a Software-as-a-Service (“SaaS”) offering or as a Platform-as-a-Service (“PaaS”) offering.

Pricing and payment terms depend on which solutions the customer requires and their transaction volumes.

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Partnerships and Industry Participation

ACI partners often play multiple roles within our ecosystem.

For example, organizations such as Visa and Mastercard can act as both technology partners and business partners, depending on the nature of the collaboration.

We have two major types of third-party product partners:

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Technology partners help us add value to our solutions and stay abreast of current market conditions and industry developments such as standards.

In addition, ACI has membership in or participates in the relevant committees of several industry associations, such as the International Organization for Standardization (“ISO”), Accredited Standards Committee ("ASC") X9, ATM Industry Association ("ATMIA"), Financial Services, Nexo Standards, U.K.

Cards Association, U.S.

Payments Forum, and the PCI Security Standards Council.

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The benefit to ACI is having the opportunity to influence these standards with concepts and ideas that will benefit the market, our customers, and ACI.

We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI’s products.

These partnerships allow us to understand developments in the partners’ technology and to utilize their expertise in topics like sizing, scalability, and performance testing.

ACI also holds important positions at different payment advisory leader groups worldwide, including advisory board membership with the Faster Payments Council in the U.S., global advisory board membership with the Merchant Risk Council ("MRC"), and a key stakeholder membership with the European Payments Council ("EPC").

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The agreements are generally worldwide in scope and have a term of several years.

We have alliances with our technology partners Microsoft Corporation, Amazon, Red Hat, Google, HPE, IBM, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI’s products.

These partnerships allow us to understand developments in the partners’ technology and to utilize their expertise in topics like sizing, scalability, and performance testing.

We offer our customers a wide range of professional services, including consultation, analysis, design, development, implementation, integration, testing, and project management.

We offer our customers a wide range of professional services, including consultation, analysis, design, development, implementation, integration, testing, project management, and education services.

Our service professionals generally perform the majority of the work associated with implementing and integrating our software solutions.

In addition, we work with a limited number of systems integration and services partners such as Accenture, LLC, Cognizant Technology Solutions Corporation, and Stanchion Payments Solution for staff augmentation and coordinated co-prime delivery where appropriate.

Product support services are available to customers after a solution has been installed and are based on the relevant product support category.

An extensive team of support analysts are available to assist customers.

In addition, ACI education services with instructor-led courses include both theory and practical sessions to allow students to work though real business scenarios and put their newly learned skills to use.

This hands-on approach ensures that the knowledge is retained, and the student is more productive upon their return to the workplace.

Some training topics are further supplemented by self-paced eLearning, available to students on demand to support their skills journey.

ACI’s education courses provide students with knowledge at all levels to enhance and improve their understanding of ACI products.

ACI also provides further, more in-depth technical courses that allow students to use practical labs to enhance what they have learned in the classroom.

The ACI trainer's ability to understand customers' systems means ACI may also provide tailored course materials for individual customers.

Depending on the products purchased, training may be conducted at a dedicated education facility at one of ACI’s offices, online, on demand, or at the customer site.

In addition, we work with a limited number of systems integration and services partners such as Concerto, Opus Technologies, Synechron, and Cognizant Technology Solutions Corporation, for staff augmentation and coordinated co-prime delivery where appropriate.

ACI Education Services offer training as instructor-led sessions, self-paced eLearning, or a blended approach combining both.

All formats are designed to help learners deepen their understanding of ACI solutions and apply their knowledge effectively.

For advanced expertise, ACI also offers technical courses featuring hands-on labs, and tailored materials may be developed to meet individual customer needs.

Training may be delivered at ACI’s dedicated education facilities, online, on demand, or at the customer’s site, depending on the ACI solution purchased and its deployment model.

Customer Support

ACI provides our customers with product support that is available 24/7.

We offer our customers two support options:

Standard Customer Support.

After implementation completion, we provide maintenance services to customers for a monthly product support fee.

Maintenance services include:

• New product releases (major, minor and patches) for active products

• 24-hour hotline for priority one (“P1”) problem resolution

• Access to our online support portal (eSupport)

• Vendor-required mandates and updates

• Product documentation

• Hardware operating system compatibility

• User group membership

Premium Customer Support.

Under the premium customer support option, referred to as the Premium Customer Support Program, which is available at additional cost, customers are provided support beyond the standard offering.

The services available may differ by product and are defined in the customer contract.

We periodically provide new product releases, which often contain minor product enhancements, that are typically provided at no additional fee for customers under standard customer support agreements.

Agreements with our customers permit us to charge for substantial product enhancements that are not provided as part of the standard or premium customer support agreement.

Global HELP24 is ACI's global customer technical support organization with employees around the world.

Global HELP24 is chartered to swiftly resolve technical support cases and answer technical product questions for ACI-supported solutions.

Our customers can interact with Global HELP24 via eSupport on the website or by telephone for critical cases.

Global HELP24 is responsible for opening and closing customer-initiated cases and following a well-documented, mature process for resolving them.

The organization consists of an experienced team of technical analysts and works with a variety of developers, system engineers, and other internal partners to ensure timely and accurate case resolution.

Global HELP24 is available to customers after a solution has been installed and services are based on the relevant product support category.

ACI product support is available 24/7/365.

The digital payments market is highly competitive and subject to rapid change.

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Issuing, Acquiring, and Account-to-Account Payments

The software competitors for ACI’s Issuing, Acquiring, and Account-to-Account Payments solutions include Atos Orgin S.A., Fidelity National Information Service, Inc.

The software competitors for ACI’s issuing, acquiring, and account-to-account payments solutions include Fidelity National Information Service, Inc.

("FIS"), Finastra, Fiserv, Inc.

("Fiserv"), Mastercard, NCR, OpenWay Group, SiNSYS, Total System Services, Inc.

(Global Payments), Visa, and Volante, as well as small, locally-focused companies such as BPC Banking Technologies, CR2, Financial Software and Systems, Form3, HPS, Icon Solution, Lusis Payments Ltd., Opus Software Solutions Private Limited, PayEx Solutions AS, Renovite, and RS2.

("Fiserv"), Mastercard, NCR, OpenWay Group, Total System Services, Inc.

(Global Payments), Volante, and Worldline as well as small, regionally-focused companies such as BPC Banking Technologies, CR2, Cranium Ventures, Financial Software and Systems, Form3, HPS, Icon Solution, Lusis Payments Ltd., Opus Software Solutions Private Limited, PayEx Solutions AS, Renovite, and RS2.

Primary digital payment processing competitors in this area include global entities such as Atos Origin S.A., Fiserv, Mastercard, SiNSYS, and Visa, as well as regional or country-specific processors.

Merchant Payments

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We are also competing in some areas with the traditional orchestration layer providers such as IXOpay, Payoneer, Nuvei, and Spreedly.

Payments Intelligence

Principal competitors for our ACI Fraud Management solution are Accertify (American Express), BAE Systems, Cybersource (Visa), Fair Isaac Corporation, Featurespace (Visa), Feedzai, FIS, Fiserv, Forter, Kount, NCR, NICE LTD, and SAS Institute, Inc., as well as dozens of smaller companies focused on niches of this segment such as device identification and anti-money laundering.

The principal competitors for our ACI Speedpay bill payments solution are FIS, Fiserv, Invoice Cloud, Inc., Kubra Customer Interaction Management, Nelnet, Inc.

and Affiliates, Paymentus Corp., PayNearMe, One Inc., Repay, TouchNet Information Systems, Inc., Transact, as well as smaller vertical-specific providers.

Payments Intelligence and Risk Management

Principal competitors for our ACI Fraud Management solution are Accertify (American Express), BAE Systems, Cybersource (Visa), Fair Isaac Corporation (FICO), Featurespace, Feedzai, FIS, Fiserv, Forter, Kount, NCR, NICE LTD, and SAS Institute, Inc., as well as dozens of smaller companies focused on niches of this segment such as device identification and anti-money laundering.

Bill Payments

The primary competitors for our bill payments solution include Alacriti, FIS, Fiserv, InvoiceCloud, Kubra, One Inc., Paymentus, PayNearMe, Repay, as well as smaller vertical-specific providers.

Research and Development

Our product development efforts are dedicated to both creating new products and enhancing the functionality of our existing offerings.

To ensure we are aligned with market needs, we facilitate user group meetings that help us shape our product and solution strategy, development plans, and customer support aspects.

These user groups are typically organized by geography and product lines.

We believe that timely development of new applications and enhancements is essential to maintaining our competitive position in the market.

In developing new products and solutions, we collaborate closely with our customers and industry leaders to understand their requirements.

We partner with device manufacturers, such as Diebold, NCR, and Wincor-Nixdorf, to ensure compatibility with the latest ATM technology.

We also work with network vendors, such as Mastercard, SWIFT, and Visa, to comply with new regulations or processing mandates.

We engage with computer hardware and software manufacturers, such as HPE, IBM, Microsoft Corporation, and Oracle, to ensure are products are compatible with new operating system releases and hardware generations.

Customers often provide additional insights and serve as beta-test partners, further refining our solutions.

We maintain a continuous process to encourage and capture innovative product ideas, which may include new features or entirely new products or services.

A proof of concept is conducted to validate these ideas.

If viable, the innovation is scheduled into our product roadmap for development and release.

To ensure high software quality, we implement rigorous testing and quality assurance processes throughout the development lifecycle.

Our product development efforts focus on new products while increasing the functionality of existing products.

To ensure we are building for the market, we facilitate user group meetings to help us determine our product and solution strategy, development plans, and aspects of customer support.

The user groups are generally organized geographically or by product lines.

We believe that the timely development of new applications and enhancements is essential to maintaining our competitive position in the market.

During the development of new products and solutions, we work closely with our customers and industry leaders to determine requirements.

We work with device manufacturers, such as Diebold, NCR, and Wincor-Nixdorf, to ensure compatibility with the latest ATM technology.

We also work with network vendors, such as Mastercard, Swift, and Visa, to ensure compliance with new regulations or processing mandates.

We partner with computer hardware and software manufacturers, such as HPE, IBM, Microsoft Corporation, and Oracle, to ensure compatibility with new operating system releases and generations of hardware.

Customers often provide additional information on requirements and serve as beta-test partners.

We have a continuous process to encourage and capture innovative product ideas.

Such ideas include new features, as well as entirely new products or service offerings.

A proof of concept ("POC") may be conducted to validate the idea.

If determined to be viable, the innovation is scheduled into a product roadmap for development and release.

To ensure the highest software quality, we implement rigorous testing and quality assurance processes throughout the development lifecycle.

This includes automated testing, code reviews, and continuous integration practices to identify and resolve issues early.

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We provide software products and solutions to our bank, intermediary, and merchant customers worldwide.

Our biller products and solutions are sold in the United States.

As of December 31, 2024, we serve thousands of organizations, including all 10 of the top 10 banks worldwide, as measured by asset size, and 80,000+ merchants, and we have customers in 90+ countries on six continents.

Our bill payment products and solutions are sold in the United States.

As of December 31, 2025, we serve thousands of organizations, including nearly all of the top 10 banks worldwide, as measured by asset size, and 80,000+ merchants, and we have customers in approximately 90 countries on six continents.

No single customer accounted for more than 10% of our consolidated revenues for the years ended December 31, 2025, 2024, and 2023.

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Use of our software products is usually restricted to designated computers, specified locations and/or specified capacity, and is subject to terms and conditions prohibiting unauthorized reproduction or transfer of our software products.

We also seek to protect the source code of our software as a trade secret and as a copyrighted work.

We also seek to protect the source code of our software as a

trade secret and as a copyrighted work.

Despite these precautions, there can be no assurance that misappropriation of our software products and technology will not occur.

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As of December 31, 2025, we had 2,930 employees worldwide, with 1,335 employees in the Americas, 819 employees in EMEA, and 776 employees in Asia Pacific.

ACI emphasizes a diverse and inclusive workplace, with employees in over 40 countries.

ACI emphasizes an inclusive workplace, with employees in over 40 countries.

Globally, 37% of our employees are women.

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• Employee discounts programs

• Fitness reimbursement program

Some of these benefits are available to our employees outside the United States where applicable and permissible by law in addition to locally provided benefits.

Globally, all employees have access to an employee assistance program which offers support to employees and their immediate family to address a range of personal needs and concerns in support of their well-being and mental health.

All employees also have access to a lifestyle spending account which helps cover expenses related to improving physical wellbeing.

To foster a stronger sense of ownership and align with the interests of our shareholders, participation in the employee stock purchase plan is available for eligible employees.

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Warsop, III 59 President, Chief Executive Officer, and Director

Behrens 53 Chief Financial Officer

Alessandro Silva 48 Chief Revenue Officer

Abe Kuruvilla 53 Chief Technology and Operations Officer

Leibrock 44 Chief Financial Officer

Shultz 56 General Manager, ACI Speedpay

Litch 55 General Manager, Payment Software

Warsop was appointed President and Chief Executive Officer on June 1, 2023.

Warsop joined the ACI Board of Directors in June 2015 and became non-executive Chairman in June 2022.

He has led various portfolio companies for several leading private equity firms since 2012, including One Call Care Management, York Risk Services Group, and The Warranty Group.

He joined the ACI Board of Directors in June 2015 and became non-executive Chairman in June 2022.

Prior to ACI, Mr.

Warsop led various portfolio companies for several leading private equity firms, including One Call Care Management, York Risk Services Group, and The Warranty Group.

He served as Group President at Fiserv, Inc., a provider of technology solutions to the financial industry, from 2007 to 2012.

He served in various capacities at Electronic Data Systems for 17 years, including President of its Business Process Outsourcing unit in Asia Pacific, Vice President in the United Kingdom, and Vice President of Global Financial Services.

Warsop holds a bachelor's degree in finance from Southern Methodist University

Behrens serves as Executive Vice President and Chief Financial Officer.

Behrens joined ACI in June 2007 as our Corporate Controller and was appointed as Chief Accounting Officer in October 2007.

Behrens was appointed Chief Financial Officer in December 2009 and ceased serving as our Corporate Controller in December 2010.

Behrens was appointed Executive Vice President in March 2011.

Earlier in his career, he served in various capacities at Electronic Data Systems for 17 years, including President of its Business Process Outsourcing unit in Asia Pacific, Vice President in the United Kingdom, and Vice President of Global Financial Services.

Warsop holds a Bachelor of Business Administration in Finance from Southern Methodist University

Leibrock was appointed as Chief Financial Officer on July 1, 2025.

Prior to joining ACI, Mr.

Behrens served as Senior Vice President, Corporate Controller and Chief Accounting Officer at SITEL Corporation from January 2005 to June 2007.

He also served as Vice President of Financial Reporting at SITEL Corporation from April 2003 to January 2005.

From 1993 to 2003, Mr.

Behrens was with Deloitte & Touche, LLP, including two years as a Senior Audit Manager.

Behrens holds a Bachelor of Science degree from the University of Nebraska – Lincoln.

Silva serves as Executive Vice President and Chief Revenue Officer.

Since joining ACI in 2021, Mr.

Silva served as head of international markets and was responsible for driving commercial strategy and strengthening ACI’s sales and customer success capabilities in Latin America, Europe, Asia Pacific, Middle East and Africa.

Leibrock served as Senior Vice President, Chief Operating Officer, and Chief Financial Officer at Red Hat.

Prior to Red Hat, he spent nearly 20 years at IBM in senior roles across the finance and software organizations, most recently serving as Corporate Assistant Controller.

Earlier in his IBM career, he held financial leadership positions spanning security and automation software, cloud platform, global technology services, and the mainframe business.

Leibrock holds a Bachelor of Arts in Business Administration in Finance from the University of Connecticut.

Shultz has served as General Manager of ACI Speedpay since joining ACI on January 23, 2023.

Prior to joining ACI, Mr.

Silva held various sales and general manager roles in the U.S, Canada, Latin America and Europe, while working for Western Union, GE Capital, The Carlyle Group and Credicard.

He holds a bachelor’s degree in business administration from Universidade Mackenzie in São Paulo and a Master of Business Administration from USP-Universidade de São Paulo.

He extended his education at INSEAD, the Harvard Business School and the University of Chicago Booth School of Business.

Kuruvilla was appointed as Executive Vice President and Chief Technology Officer on October 30, 2023.

Shultz served as Executive Vice President of Global Bill Pay at Mastercard and held CEO roles for two acquired bill pay companies.

At Mastercard, he also led the New Payment Flows business in North America.

Prior to Mastercard, he co‑founded Billbridge and held various roles at American Express, A.T.

Kearney, and Price Waterhouse.

Shultz holds a Master of Business Administration from the Kellogg School of Management at Northwestern University and a Bachelor of Business Administration from the University of Michigan.

Litch began serving as General Manager of Payment Software on January 14, 2025, after joining ACI on October 15, 2024 as the Head of Merchant Solutions.

Prior to joining ACI, Mr.

Kuruvilla served as Chief Information Officer at CoreLogic, Inc., where he led all aspects of technology strategy, engineering, cyber security, internal systems, and IT operations.

Prior to that he served as Chief Information Officer at Dell Financial Services.

Earlier in his career, Mr.

Kuruvilla held technology leadership roles at De Lage Landen Financial Services, a wholly owned subsidiary of Rabobank.

Kuruvilla holds a bachelor's degree in electrical and computer engineering and a Master of Business Administration from Drexel University.

Litch served as President and Chief Operating Officer of 2Checkout.

Prior to 2Checkout, he held various senior leadership roles at Fiserv, CheckFree, and Corillian, supporting enterprise software and payments solutions for global financial institutions.

Litch holds a J.D.

from Loyola Law School and a Bachelor of Arts from the University of California, Los Angeles.

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 1. Business