ACI Worldwide, Inc. is a global payments technology company. The Company delivers software solutions that power intelligent payments orchestration in real time to banks, billers, and merchants. Its segments include Payment Software and Biller. Payment Software drives payments orchestration for banks and merchants. It provides payment solutions to large and mid-sized banks globally for retail banking, digital, and other payment services. In addition, it enables banks to meet the requirements of different real-time payments schemes and to create differentiated products to meet consumer, business, and merchant demands. The Biller segment provides electronic bill presentment and payment services to companies operating in the consumer finance, insurance, healthcare, higher education, utility, government, mortgage, subscription provider, and telecommunications categories. It also provides fraud abuse protection to its Biller customers leveraging its proven AI, human, and data capabilities.