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ACI Worldwide Overview

Naples, FL
1001 to 5000 employees
Company - Public (ACIW)
Computer Hardware & Software
$1 to $2 billion (USD) per year
ACI Worldwide helps money go mobile. The company develops e-payment and electronic funds transfer (EFT) software for companies around the world. Customers use its software to process transactions involving ATMs, credit and debit cards, online banking and payment processing ... Read more

Mission: ACI will lead the transformation of the global payments 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 payment professionals committed to our

Company Updates

  • ACI Naples fights hunger in Southwest Florida

    For many people in the U.S., the Thanksgiving holiday is a time to come together with friends and family to share a meal and spend a moment to reflect on things you are most grateful for. However, far too many people don’t have the means to afford the basic groceries each day.

    Throughout November, ACI Naples (U.S.) helped to support St. Matthew’s House, an organization that fights homelessness, hunger, substance abuse and poverty in Southwest Florida. ACIers collected non-perishable food items to help stock the organization’s food pantry and made monetary donations toward the organization’s annual Turkey Drop, which provides Thanksgiving dinner to more than 1,500 local families in need.

    In total, ACIers in Naples donated more than 75 pounds worth of non-perishable food items and contributed 100 turkeys to the Turkey Drop.

    “The St. Matthew’s team was very moved by ACI’s donation and were excited to deliver the turkeys to families that really needed them,” said Colleen Lindgren, Executive Assistant. “Thank you to everyone who genero

  • Our UP Merchant Payments solution was named a Leader in the latest #ForresterWave. Find out why:

    The Forrester Wave: Global Merchant Payment Providers

    The Forrester Wave™: Global Merchant Payment Providers, Q4 2018 Retailers today need an omnichannel solution that delivers maximum flexibility throughout the world. In this report, learn how ACI's UP Merchant Payments solution - powering seamless, secure, omni-channel payments in the cloud - earned the highest possible score in the Omnichannel Solution Vision criterion and Market Presence category.

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ACI Worldwide – Why Work For Us?


ACI makes fast, simple and secure payments possible around the world by connecting more ways to pay with more payment capabilities than any other provider.

We help banks, financial internmediaries, merchants and corporates turn the massive disruption of today's payments ecosystem into unlimited opportunities to innovate and thrive, now and in the future.

ACI is the Universal Payments Company.  

Payment systems are at the backbone of global commerce - nothing can be bought or sold without them.  Our unique technology equips financial institutions, financial intermediaries, merchants and billers with highly secure, real-time, any-to-any elecronic payment capabilities that enable transactions from any device, anytime to anyone.  

ACI combines a global perspective with local presence to tailor solutions for each customer. Our proven products, domain expertise and 40 years of experience have earned us a position as trusted provider of gold standard payments solutions.

With more than 4,500 employees worldwide and offices in principal cities around the globe, ACI now has one of the most diverse and robust product portfolios in the industry, with application software spanning the length of the payments value chain.

Join Us As We Make Possibilities Happen!


Worldwide® powers electronic payments and banking for more than 5,100+ organizations around the world. We have more than 40 years of payments expertise and customers in 80+ countries, including:

  • 18 of the top 20 banks worldwide
  • 300+ leading retailers globally
  • 3,600+ organizations utilizing our electronic bill payment solutions
  • 1,500+ banks, financial intermediaries and merchants preventing fraud with our solutions

Our broad and integrated suite of electronic payment software solutions enables payment processing for:

  • 150+ billion consumer transactions each year
  • $14+ trillion in payments and securities transactions each day
  • $129 billion in dollar volume for UP Bill Payment™ solutions

Thr0ugh our state-of-the-art data centers, we support:

  • 4,200+ customers in the ACI cloud globally
  • 24x7x365 monitoring and support

Our global technical support team of more than 300 individuals delivers:

  • 24x7x365 technical support for ACI software in production
  • Customer assistance through web, phone and email


ACI is a highly focused software enterprise that enables real-time, any-to-any payment transactions to occur regardless of time, location or type, supporting payments with the notion that the purchaser directs the payment to his/her provider of choice to satisfy the transaction in an efficient and secure environment.


ACI will lead the transformation of the global payments 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 payment professionals committed to our customers’ success.


ACI's Guiding Principles guide both strategic decisions and daily behavior to provide real value to our customers. 

As a company, we are laser-focused on delivering the right customer experience to each of our customers by living our Guiding Principles.


At ACI, we operate with:

  • Customer Obsession
  • Personal Success
  • Agility
  • Curiosity
  • Passion for Action
  • Teamwork

Our people are the core of our business.  Our 1ACI team represents a globally diverse, passionate and dedicated group of thousands of individuals around the world who share a common commitment to making our customers successful by driving the future of payments.

ACI does business in more than 80 countries, respecting the local language and culture everywhere we operate.  We take pride in our integrity, our intellectual curiousity and our inclusive nature as we collaborate across the organization and with our customers.


ACI has a team of experts unmatched in the industry. And throughout our 40-year history, we’ve learned that collaboration across every level of the organization – from interns to tenured employees to our most senior managers – is key to our success and continued growth. 


The History of ACI Worldwide

With more than 4,500 employees worldwide and offices in principal cities around the globe, ACI now has one of the most diverse and robust product portfolios in the industry, with application software spanning the entire electronic payments chain.

1975: Creating Software for Emerging Modern Banking Systems

ACI was founded in Omaha, Nebraska, developing software for the new NonStop server computers that banks and stock exchanges were adopting. Early projects involved building systems to handle ATMs and other banking systems requiring extremely high uptimes. This led to a first global product called BASE24. 

Expanding Services and Platforms 

ACI expanded to developing software for service transactions at point-of-sale terminals and banking branch systems. Eventually, services covered more functions for credit card transactions, such as clearing, settlement and fraud detection. 

Soon, other hardware suppliers, such as IBM, HP, Stratus and SUN, supported ACI payments software, which led to an expansion of wholesale banking payments, wire transfers and automated clearing house transactions. 

In the early 2000s, ACI supported online banking, card and merchant management, and retailer solutions, then introduced the agile payments strategy as a unified payments solution.

Global Reach Begins in Australia

While early customers were all in the U.S., an Australian bank came aboard in 1981, starting an international growth path. By 1986, ACI had 131 customers in 14 countries, and offices and partners around the world. 

Going Public

For 20 years, ACI was a private company, with periods of ownership under US West and Tandem. Since 1995, ACI has been a public company traded on NASDAQ, initially under the name Transaction Systems Architects (TSA), and since July 2007 under the name ACI Worldwide, Inc. (ACIW).

Acquisitions and Growth

With the acquisitions of S1 Corporation in 2012, and Online Resources Corporation and Official Payments in 2013, ACI increased the reach of its bill pay offerings into federal, state and local governments, municipal utilities, higher education institutions and charitable giving organizations. 

Then in 2014, ACI acquired the leading eCommerce and fraud prevention company, Retail Decisions (ReD), bolstering services in payments risk management. And in 2015, ACI’s acquisition of PAY.ON, boosted end-to-end eCommerce payments capabilities and the most complete omni-channel payments experience available.  

5,000 Strong and Growing

Today, with 40 years of expertise, ACI powers electronic payments for more than 5,000 organizations, delivering systems to process payments for banks, processors and retailers around the world. ACI's reputation is based upon the success of products that have consistently provided stability, scalability and reliability.

ACI Worldwide Reviews

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ACI Worldwide President, CEO, and Director Phil Heasley
Phil Heasley
370 Ratings
  • Featured Review

    Helpful (15)

    "Growing global company with lots of potential"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Positive Outlook
    Approves of CEO

    I have been working at ACI Worldwide full-time (More than 5 years)


    I like that it is a fast paced company. You never get bored. It is a large global organization yet there is a family like feeling working here. Lots of employee activity, casual work environment, super friendly people, flexible work schedule making it very friendly specially for young parents with children, competitive pay and starting PTO is above average than most companies and benefits are very good. Micromanagement is not part of the company culture, if someone is a low performer managers are open to scrutinizing the possibility that the employee may be in the wrong role and he/she are given the opportunity to move into a better fit role. I love how internal mobility is welcomed to improve and grow your career. Managers and HR does not hold you back from applying to other internal openings within the company. HR actually works for the employees and their interest and are very helpful.


    All companies have cons and their own nuisances. At ACI we are very process driven and metrics driven that can sometimes slow down the actual deliverables and customer focus. However, if you bring that up to your management they are willing to listen, revisit and streamline things to improve customer experience. A management that is open and willing to listen is half the problem solved.

    Advice to Management

    Focus more on taping into the talent to deliver to customers both internally and externally versus being so process and metrics driven. Some processes and metrics are important and must be run, reviewed and used but a lot of times they don't take us anywhere and a lot of time is spent on processes and metrics versus doing the actual day job.

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ACI Worldwide Photos

ACI Worldwide photo of: Naples Headquarters
ACI Worldwide photo of: Naples Princess Summer Cruise
ACI Worldwide photo of: Diwali celebration
ACI Worldwide photo of: Naples Princess Summer Cruise
ACI Worldwide photo of: 55 Clarendon Road
ACI Worldwide photo of: 11 ACIers from Germany and Austria laced up their running shoes to participate in B2Run Munich, a 6.1 km company run event held in Munich’s Olympic Stadium.
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ACI Worldwide Interviews



Getting an Interview

Getting an Interview




  1. Featured Interview

    Helpful (4)  

    Executive Team Leader Interview

    Anonymous Employee in Naples, FL
    Accepted Offer
    Positive Experience
    Difficult Interview


    I applied in-person. The process took 4 weeks. I interviewed at ACI Worldwide (Naples, FL) in May 2018.


    Had in initial phone interview. This was followed by several rounds of in-person interviews with a broad cross-section of leaders across the company representing the immediate business area and other groups associated with the role. Also included discussions with key HR leaders.

    Interview Questions

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ACI Worldwide Awards & Accolades

  • International Award for UP eCommerce Payments Solution, Merchant Payments Ecosystem Awards, 2017
  • Digital Payments Customer Value Leadership, Frost & Sullivan, 2017
  • Security Innovation of the Year, National Technology Awards, 2018
  • Best Online Payment Solution (Merchants), FStech/Retail Systems Payments, 2016
  • Ranked 18th on the international list of financial technology companies, IDC Financial Insights, 2016
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