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REVENUES (Tables)

9 Months Ended

Sep. 30, 2024

Revenue from Contract with Customer [Abstract]

Schedule of Disaggregation of Revenue

The following tables present a disaggregation of our revenues from contracts with customers by geography for each of our reportable segments for the three and nine months ended September 30, 2024 and 2023:

			Three Months Ended September 30, 2024
			Merchant Solutions						Issuer Solutions						Intersegment Eliminations						Total
			(in thousands)
Americas			$	1,610,070					$	467,699					$	(5,849)					$	2,071,920
Europe			320,911						142,042						—						462,953
Asia Pacific			66,679						11,389						(11,389)						66,679
			$	1,997,660					$	621,130					$	(17,238)					$	2,601,552

			Three Months Ended September 30, 2023
			Merchant Solutions						Issuer Solutions						Intersegment Eliminations						Total
			(in thousands)
Americas			$	1,524,575					$	465,263					$	(5,237)					$	1,984,601
Europe			295,787						131,659						—						427,446
Asia Pacific			63,644						10,926						(10,926)						63,644
			$	1,884,006					$	607,848					$	(16,163)					$	2,475,691

			Nine Months Ended September 30, 2024
			Merchant Solutions						Issuer Solutions						Intersegment Eliminations						Total
			(in thousands)
Americas			$	4,744,077					$	1,393,071					$	(17,524)					$	6,119,624
Europe			869,908						412,181						—						1,282,089
Asia Pacific			188,795						32,121						(32,121)						188,795
			$	5,802,780					$	1,837,373					$	(49,645)					$	7,590,508

			Nine Months Ended September 30, 2023
			Merchant Solutions						Issuer Solutions						Consumer Solutions						Intersegment Eliminations						Total
			(in thousands)
Americas			$	4,389,598					$	1,363,627					$	182,740					$	(31,713)					$	5,904,252
Europe			750,810						374,044						—						—						1,124,854
Asia Pacific			191,501						31,525						—						(31,525)						191,501
			$	5,331,909					$	1,769,196					$	182,740					$	(63,238)					$	7,220,607

The following table presents a disaggregation of our Merchant Solutions segment revenues by distribution channel for the three and nine months ended September 30, 2024 and 2023:

			Three Months Ended												Nine Months Ended
			September 30, 2024						September 30, 2023						September 30, 2024						September 30, 2023
			(in thousands)
Relationship-led			$	1,030,798					$	1,003,647					$	2,950,733					$	2,775,372
Technology-enabled			966,862						880,359						2,852,047						2,556,537
			$	1,997,660					$	1,884,006					$	5,802,780					$	5,331,909

Schedule of Contracts with Customers

Supplemental balance sheet information related to contracts from customers as of September 30, 2024 and December 31, 2023 was as follows:

			Balance Sheet Location						September 30, 2024						December 31, 2023
									(in thousands)
Assets:
Capitalized costs to obtain customer contracts, net			Other noncurrent assets						$	376,271					$	360,684
Capitalized costs to fulfill customer contracts, net			Other noncurrent assets						$	220,185					$	197,355
Liabilities:
Contract liabilities, net (current)			Accounts payable and accrued liabilities						$	240,911					$	229,686
Contract liabilities, net (noncurrent)			Other noncurrent liabilities						$	62,241					$	54,246

Schedule of Remaining Performance Obligation

The following table includes estimated revenue expected to be recognized in the future related to performance obligations that are unsatisfied or partially unsatisfied at September 30, 2024. However, as permitted, we have elected to exclude from this disclosure any contracts with an original duration of one year or less and any variable consideration that meets specified criteria. Accordingly, the total

amount of unsatisfied or partially unsatisfied performance obligations related to processing services is significantly higher than the amounts disclosed in the table below (in thousands):

Year Ending December 31,
2024			$	318,789
2025			1,093,200
2026			864,518
2027			657,806
2028			375,721
2029			167,104
2030 and thereafter			335,248
Total			$	3,812,386

X

- Definition

Tabular disclosure of receivable, contract asset, and contract liability from contract with customer. Includes, but is not limited to, change in contract asset and contract liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-10

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X

- Definition

Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-5

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- Definition

Tabular disclosure of expected timing for satisfying remaining performance obligation.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(1)
-SubTopic 10
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-13

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