<SEC-DOCUMENT>0001193125-19-287277.txt : 20191107
<SEC-HEADER>0001193125-19-287277.hdr.sgml : 20191107
<ACCEPTANCE-DATETIME>20191107160603
ACCESSION NUMBER:		0001193125-19-287277
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20191105
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20191107
DATE AS OF CHANGE:		20191107

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ACI WORLDWIDE, INC.
		CENTRAL INDEX KEY:			0000935036
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-PREPACKAGED SOFTWARE [7372]
		IRS NUMBER:				470772104
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25346
		FILM NUMBER:		191200293

	BUSINESS ADDRESS:	
		STREET 1:		3520 KRAFT ROAD, SUITE 300
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34105
		BUSINESS PHONE:		239-403-4600

	MAIL ADDRESS:	
		STREET 1:		3520 KRAFT ROAD, SUITE 300
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRANSACTION SYSTEMS ARCHITECTS INC
		DATE OF NAME CHANGE:	19950109
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d801750d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:aciw="http://www.aciworldwide.com/20191105" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2019-11-05_to_2019-11-05">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2019-11-05_to_2019-11-05">0000935036</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="aciw-20191105.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2019-11-05_to_2019-11-05"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000935036</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2019-11-05</xbrli:startDate> <xbrli:endDate>2019-11-05</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="font-size:10pt;width:8.5in;margin:0 auto"> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <p style="margin-bottom:0px;margin-top:4pt"></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">UNITED STATES</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">SECURITIES AND EXCHANGE COMMISSION</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Washington, D.C. 20549</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0px;margin-top:12pt">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2019-11-05_to_2019-11-05">8-K</ix:nonNumeric> </span></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">CURRENT REPORT</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Pursuant to Section 13 OR 15(d)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">of the Securities Exchange Act of 1934</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt:datemonthdayyearen">November 5, 2019</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:24pt;margin-bottom:0px;margin-top:12pt"><ix:nonNumeric name="dei:EntityRegistrantName" contextRef="duration_2019-11-05_to_2019-11-05">ACI WORLDWIDE, INC.</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(Exact name of registrant as specified in its charter)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2019-11-05_to_2019-11-05">0-25346</ix:nonNumeric> </span></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2019-11-05_to_2019-11-05">47-0772104</ix:nonNumeric> </span></p></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(State or other jurisdiction</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">of incorporation)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Commission</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">File Number)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(IRS Employer</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Identification No.)</p></td></tr></table> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2019-11-05_to_2019-11-05">3520 Kraft Rd</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" contextRef="duration_2019-11-05_to_2019-11-05">Suite 300</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2019-11-05_to_2019-11-05">Naples</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2019-11-05_to_2019-11-05">FL</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2019-11-05_to_2019-11-05">34105</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Address of principal executive offices) (Zip Code)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2019-11-05_to_2019-11-05">(239)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2019-11-05_to_2019-11-05">403-4600</ix:nonNumeric> </span></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">N/A</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Former name or former address, if changed since last report)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<span style="text-decoration:underline">see</span> General Instruction A.2. below):</p> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c)) </span></td></tr></table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Securities registered pursuant to Section&#160;12(b) of the Act:</p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Title of each class</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trading</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Symbol(s)</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Name of each exchange</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">on which registered</p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2019-11-05_to_2019-11-05">Common Stock, $0.005 par value</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2019-11-05_to_2019-11-05">ACIW</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:exchnameen">Nasdaq Global Select Market</ix:nonNumeric></p></td></tr></table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p> <p style="font-family:Times New Roman;text-align:right;font-size:10pt;margin-bottom:0px;margin-top:12pt">Emerging growth company&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2019-11-05_to_2019-11-05" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal">&#9744;</span></p> <p style="margin-bottom:0px;margin-top:10pt"></p> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <div></div> <p style="margin-top:0"></p></div>

<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;5.02. </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:6pt">Philip G. Heasley will retire as President and Chief Executive Officer and as a member of the board of directors of ACI Worldwide, Inc. (the &#8220;Company&#8221;) effective December&#160;31, 2019. Mr.&#160;Heasley will serve as a consultant through March&#160;31, 2020. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">On November&#160;5, 2019, the Company and Mr.&#160;Heasley entered into a Retirement and General Release Agreement (the &#8220;Agreement&#8221;) pursuant to which Mr.&#160;Heasley will continue to receive his current salary and benefits through December&#160;31, 2019 and will be eligible for a 2019 cash bonus to the extent previously determined performance goals are achieved and taking into account Mr.&#160;Heasley&#8217;s performance in connection with the Company&#8217;s acquisition of Speedpay and investment in Mindgate Solutions. The Agreement also provides that: </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:5%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">unvested stock options relating to 271,304 shares and 17,514 restricted stock units continue to vest as scheduled following December&#160;31, 2019;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:5%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">performance share units (&#8220;PSUs&#8221;) relating to 263,497 shares will remain outstanding and Mr.&#160;Heasley will be eligible to earn and vest in a <span style="white-space:nowrap">pro-rated</span> number of PSUs based on the actual performance of the Company and the length of his service time during the applicable performance periods;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:5%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">PSUs relating to 108,820 shares will remain outstanding and continue to vest as scheduled following December&#160;31, 2019 based on the actual performance of the Company; and</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:5%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">outstanding PSUs relating to 33,518 shares and unvested restricted stock units relating to 35,026 shares will be forfeited for no consideration.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to a consulting agreement entered into between the Company and Mr.&#160;Heasley concurrently herewith, and which forms part of the Agreement, Mr.&#160;Heasley will be paid $180,000 for consulting during the period from January&#160;1, 2020 through March&#160;31, 2020. The Agreement contains customary confidentiality, nonsolicitation, release and other provisions, and Mr.&#160;Heasley has waived severance pay and benefits under his existing employment agreement. The Agreement is filed as Exhibit 10.1 to this Report. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">While Mr.&#160;Heasley will remain President and Chief Executive Officer through December&#160;31, 2019, Craig Saks, the Company&#8217;s Senior Executive Vice President and Chief Operating Officer, will be delegated responsibility for the oversight of the Company&#8217;s <span style="white-space:nowrap">day-to-day </span>&#32;operations in such capacity as would otherwise be performed by the position of Chief Executive Officer of the Company, and Mr.&#160;Heasley&#8217;s direct reports will report to Mr.&#160;Saks until a successor to the Chief Executive Officer position is appointed. </p> <p style="margin-bottom:0px;margin-top:18pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;9.01. </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Financial Statements and Exhibits.</td> </tr> </table> <p style="font-family:Times New Roman;font-weight:Bold;font-style:Italic;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">(d) Exhibits </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td></td>
<td></td>
<td></td>
<td style="width:5%;"></td>
<td style="width:92%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td colspan="2" style="white-space:nowrap;vertical-align:bottom;text-align:center;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Exhibit </p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Number </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;display:inline-block;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:left;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Description </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">10.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d801750dex101.htm">November&#160;5, 2019 Retirement and General Release Agreement between the Company and Philip G. Heasley </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">99.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d801750dex991.htm">November&#160;7, 2019 Press Release </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">104 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">The cover page from this Current Report on Form <span style="white-space:nowrap">8-K,</span> formatted in Inline XBRL </p> </td> </tr> </table> <div></div> <p style="margin-top:0"></p>
 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">SIGNATURES </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <div style="float:right;width:100%">
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:40%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:0px">
<tr>
<td style="width:12%;"></td>
<td style="width:1%;"></td>
<td style="width:87%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td colspan="3" style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">ACI WORLDWIDE, INC. </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">By: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;margin-bottom:1pt;font-size:10pt;margin-top:0pt;border-bottom:1px solid #000000">/s/ Dennis P. Byrnes </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Name: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Dennis P. Byrnes </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Title: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Executive Vice President and General Counsel </p> </td> </tr> </table> </div> <div style="clear:both"></div> <p style="font-family:Times New Roman;margin-left:0%;text-align:left;text-indent:0%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Date: November&#160;7, 2019 </p> <div></div> <p style="margin-top:0"></p>
 </div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d801750dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RETIREMENT AND GENERAL RELEASE AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">THIS RETIREMENT AND GENERAL RELEASE AGREEMENT (the &#147;<U>Agreement</U>&#148;) is entered into as of the last date on the signature page
hereto (the &#147;<U>Execution Date</U>&#148;) by and between ACI Worldwide, Inc., a Delaware corporation (the &#147;<U>Company</U>&#148;), and Philip G. Heasley (&#147;<U>you</U>&#148;) (together, the &#147;<U>Parties</U>&#148;). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>R E C I T A L S </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, you are employed by the Company as President and Chief Executive Officer, pursuant to that certain amended and restated employment
agreement between you and the Company, dated January&nbsp;7, 2016 (the &#147;<U>Employment Agreement</U>&#148;), which supersedes all prior employment agreements between you and the Company; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Parties mutually agree to establish the terms of your retirement and separation from employment with the Company, effective as of
December&nbsp;31, 2019. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NOW THEREFORE, in consideration of the mutual covenants and agreements set forth hereinafter, and for other good
and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Parties, intending to be legally bound, hereby agree as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>RETIREMENT AND SEPARATION OF EMPLOYMENT</U>. Your retirement and separation from employment with the Company as
President and Chief Executive Officer shall occur on December&nbsp;31, 2019 (the &#147;<U>Separation Date</U>&#148;). You agree that you shall resign from your employment as an officer of the Company, as a member of the Company&#146;s Board of
Directors, and from any and all other positions you may hold with the Company (and its Affiliates) effective as of the Separation Date, and you agree that you will execute any and all documents necessary to effect such resignation(s). For purposes
of this Agreement, &#147;<U>Affiliate</U>&#148; of any particular entity or person means any other entity or person controlling, controlled by or under common control with such particular entity or person, where &#147;control&#148; means the
possession, directly or indirectly, of the power to direct the management and policies of an entity or person whether through the ownership of voting securities, contract or otherwise.&nbsp;Any entity or person with beneficial ownership of more than
20% of the voting power of another entity or person shall be deemed to be an Affiliate of such entity or person. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;<U>TRANSITION AND CONSULTING PERIODS</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;During the period commencing on the Execution Date and ending on the Separation Date (the &#147;<U>Transition
Period</U>&#148;), you hereby agree to provide such transition duties as may be requested by and at the direction of the Company&#146;s Board of Directors (the &#147;<U>Board</U>&#148;), including, without limitation, assisting the Company with the
review of its strategy and key relationships; <U>provided</U>, that, during the Transition Period and in connection with such transition duties, Craig Saks, the Company&#146;s Senior Executive Vice President and Chief Operating Officer, shall be
delegated responsibility for the oversight of the Company&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">day-to-day</FONT></FONT> operations in such capacity as would otherwise be performed by the position of Chief
Executive Officer of the </P>
</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Company, and your direct reports shall report to Mr.&nbsp;Saks until a successor to the Chief Executive Officer position has been appointed; <U>provided</U>, <U>further</U>, that any hiring,
promotion, termination or other change in employment status of any executive officer of the Company shall be subject to prior approval of the Board (the &#147;<U>Transition Duties</U>&#148;). The Board has asked Adalio T. Sanchez, member of the
Board, along with other members of the Board, as appropriate, to provide primary board oversight and assistance to Mr.&nbsp;Saks and other members of management during the Transition Period. You hereby acknowledge and agree that you will use your
best efforts to professionally, timely and cooperatively perform such Transition Duties. You further acknowledge and agree that any communication by you with the Company&#146;s investors or other third parties during the Transition Period shall be
consistent with any Company communications protocol established by the Board regarding the same subject matter. During the Transition Period, you will continue to receive your current base salary and be eligible to participate in the Company&#146;s
employee benefit plans, subject to the terms and conditions of such plans. In addition, the Company will continue to provide you with ongoing secretarial support from Michelle Watson during the Transition Period. You further acknowledge and agree
that you hereby voluntarily and irrevocably waive any and all rights that you may have to terminate your employment with the Company for Good Reason (as defined in the Employment Agreement) or receive severance payments and benefits by reason of
such termination pursuant to the Employment Agreement by reason of any change to your title, duties, authority or reporting relationship that may result from the transition of your duties under this Section&nbsp;2(a) at any time during the
Transition Period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;During the period commencing on the Separation Date and ending on March&nbsp;31, 2020 (the
&#147;<U>Consulting Period</U>&#148;), you hereby agree to provide consulting services in accordance with the terms and conditions of the consulting agreement set forth in <U>Exhibit A</U> attached hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.&nbsp;&nbsp;&nbsp;&nbsp;<U>ACCRUED OBLIGATIONS</U>. Whether or not you sign this Agreement, you shall be paid on the Company&#146;s first
regularly scheduled payroll date that occurs following the Separation Date (or earlier, to the extent required by applicable law) the aggregate amount of your earned but unpaid base salary, accrued but unpaid vacation pay (to the extent required
under applicable law) and unreimbursed expenses, in each case, through the Separation Date, less applicable taxes and withholding. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.&nbsp;&nbsp;&nbsp;&nbsp;<U>TRANSITION AND SEPARATION BENEFITS</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;The Parties hereby acknowledge and agree that the payments and benefits provided under this Section&nbsp;4 are in
lieu of any severance pay or benefits to which you may otherwise be entitled pursuant to Section&nbsp;6(c) of the Employment Agreement, and you hereby waive any right that you may otherwise have with respect to any such severance pay and benefits.
The Company shall, concurrently herewith, provide you with a true and complete summary of all equity awards to acquire shares of the Company&#146;s common stock held by you as of the date hereof as certified by the Secretary of the Company. As good
and valuable consideration in exchange for the general release of claims included in Section&nbsp;6 of this Agreement and your continued performance of the Transition Duties, during the Transition Period you shall continue to receive your current
base salary and be eligible to participate in the Company&#146;s employee benefit plans, subject to the terms and conditions of such plans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;Provided, further, that you (i)&nbsp;execute and return the
Supplemental Release of Claims, as set forth in <U>Exhibit B</U> attached hereto (the &#147;<U>Supplemental Release of Claims</U>&#148;), to the Company within <FONT STYLE="white-space:nowrap">twenty-one</FONT> (21)&nbsp;calendar days immediately
following the Separation Date and (ii)&nbsp;do not timely revoke the Supplemental Release of Claims, you shall be entitled to receive the payments and benefits on or after the Supplemental Release Effective Date (as defined in the Supplemental
Release of Claims), as set forth below: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The Company shall pay you a
<FONT STYLE="white-space:nowrap">lump-sum</FONT> cash payment in an amount equal to the annual bonus to which you may have otherwise been entitled for the Company&#146;s 2019 fiscal year, but for your termination of employment with the Company,
based on the extent to which the applicable Company and individual performance goals are actually achieved for such fiscal year and which shall take into account your performance in connection with the Company&#146;s acquisition of Speedpay and
investment in Mindgate Solutions. Payment of such bonus will be made on the Company&#146;s first regularly scheduled payroll date that occurs following the Supplemental Release Effective Date, subject to applicable taxes and withholding
requirements; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;With respect to the grant of performance share units (the &#147;<U>PSUs</U>&#148;) made on
March&nbsp;4, 2019, this grant will remain outstanding and you will be eligible to earn and vest in a number of PSUs equal to the number of PSUs to which you would have otherwise been entitled based on actual performance of the Company for the full
performance period as if you had remained in continuous employment through the end of the performance period, with any remaining unearned PSUs to be forfeited for no consideration, as determined pursuant to the terms set forth in the underlying
award agreement evidencing such grant; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;With respect to each of the grants of PSUs made on February&nbsp;21,
2017 (two grants) and February&nbsp;20, 2018 (one grant), each of these grants will remain outstanding and you will be eligible to earn and vest in a <FONT STYLE="white-space:nowrap">pro-rated</FONT> number of PSUs, calculated by multiplying
(i)&nbsp;the number of PSUs to which you would have otherwise been entitled based on actual performance of the Company for the full performance period, by (ii)&nbsp;a fraction, the numerator of which is the number of full fiscal quarters you were
employed during the performance period, and the denominator of which is the number of full fiscal quarters in the performance period, with any remaining unearned PSUs to be forfeited for no consideration, as determined pursuant to the terms set
forth in the underlying award agreement evidencing the applicable grant; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;With respect to the grant of
restricted stock units (&#147;<U>RSUs</U>&#148;) made on March&nbsp;4, 2019, the vesting of 17,514 of the RSUs thereunder will occur on March&nbsp;4, 2020 (as if your employment with the Company had otherwise continued through such date), with
settlement to occur as soon as practicable and in no event later than 30 days after such date pursuant to the terms set forth in the underlying award agreement, and the remaining 35,026 RSUs thereunder will be forfeited for no consideration as of
the Separation Date; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;Any unvested stock options held by you as of immediately prior to the Separation
Date will continue to vest in accordance with the applicable vesting schedule set forth in the underlying option agreement evidencing such stock options as if your employment had otherwise continued through each applicable vesting date, and will be
exercisable until the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
date that is ninety (90)&nbsp;calendar days following the applicable vesting date. Any vested and exercisable stock options held by you as of the Separation Date will remain exercisable until the
date that is ninety (90)&nbsp;calendar days following the Separation Date pursuant to the terms set forth in the underlying option agreement evidencing such stock options. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.&nbsp;&nbsp;&nbsp;&nbsp;<U>OTHER EQUITY AWARDS</U>. The Parties acknowledge and agree that, with respect to the grant of PSUs made on
February&nbsp;23, 2016, all of the then-outstanding PSUs under such grant will be forfeited for no consideration on the Separation Date. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.&nbsp;&nbsp;&nbsp;&nbsp;<U>RELEASE AND WAIVER</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;You hereby forever release and discharge the Company and its parents, and their Affiliates, successors, and assigns,
as well as each of their past and present officers, directors, employees, agents, attorneys, and stockholders (collectively, the &#147;<U>Company Released Parties</U>&#148;), from any and all claims, charges, complaints, liens, demands, causes of
action, obligations, damages, and liabilities, <U>known or unknown</U>, <U>suspected or unsuspected</U>, that you had, now have, or may hereafter claim to have against the Company Released Parties arising out of, or relating in any way to,
(i)&nbsp;any act or omission from the beginning of time to the Execution Date, including, without limitation, any and all claims or causes of action for wrongful termination, breach of an express or implied contract, breach of the covenant of good
faith and fair dealing, breach of fiduciary duty, fraud, misrepresentation, defamation, slander, infliction of emotional distress, disability, loss of future earnings, and any claims under any applicable state, federal, or local statutes and
regulations, including, but not limited to, the Civil Rights Act of 1964, as amended, the Equal Pay Act of 1963, as amended, the Fair Labor Standards Act, as amended, the Americans with Disabilities Act of 1990, as amended, the Rehabilitation Act of
1973, as amended, the Employee Retirement Income Security Act of 1974, as amended, the Worker Adjustment and Retraining Notification Act, as amended, the Fair Credit Reporting Act, Section&nbsp;806 of the Sarbanes-Oxley Act, the Dodd-Frank Act, the
Family and Medical Leave Act, as amended, and the Nebraska Fair Employment Practice Act (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1101</FONT> to <FONT STYLE="white-space:nowrap">48-1125);</FONT> the Nebraska Age Discrimination
in Employment Act (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1001</FONT> to <FONT STYLE="white-space:nowrap">48-1010);</FONT> the Nebraska Wage Payment and Collection Act (Neb. Rev. St. &#167;&#167; <FONT
STYLE="white-space:nowrap">48-1228</FONT> to <FONT STYLE="white-space:nowrap">48-1234);</FONT> Nebraska&#146;s privacy laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">20-201</FONT> to <FONT STYLE="white-space:nowrap">20-211</FONT>
and <FONT STYLE="white-space:nowrap">25-840.01);</FONT> Nebraska&#146;s drug testing laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1901</FONT> to <FONT STYLE="white-space:nowrap">48-1910);</FONT> Nebraska&#146;s military leave
laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">55-160</FONT> to <FONT STYLE="white-space:nowrap">55-166</FONT> and <FONT STYLE="white-space:nowrap">55-501</FONT> to <FONT STYLE="white-space:nowrap">55-507);</FONT> Nebraska laws
related to equal pay (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1219</FONT> to <FONT STYLE="white-space:nowrap">48-1227.01);</FONT> and Nebraska leave laws (Neb. Rev. St. &#167;&#167;
<FONT STYLE="white-space:nowrap">25-1640,</FONT> <FONT STYLE="white-space:nowrap">32-922,</FONT> <FONT STYLE="white-space:nowrap">48-234,</FONT> <FONT STYLE="white-space:nowrap">32-241,</FONT> and <FONT STYLE="white-space:nowrap">35-1403</FONT> to <FONT
STYLE="white-space:nowrap">35-1405),</FONT> (ii) your employment prior to the Execution Date or the termination of your employment from the Company or (iii)&nbsp;any arrangement or understanding, including the Employment Agreement, between you and
the Company; <U>provided</U>, <U>however</U>, that this Release does not waive, release or otherwise discharge (A)&nbsp;any claim or cause of action arising from a breach by the Company of this Agreement or that cannot legally be waived, including,
but not limited to, any claim for unpaid wages, workers&#146; compensation benefits, unemployment benefits or (B)&nbsp;any rights to indemnification under the indemnification agreement between you and the Company, dated March&nbsp;11, 2009 (the
&#147;<U>Indemnification Agreement</U>&#148;) or applicable law (the &#147;<U>Excluded Claims</U>&#148;). <B></B> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;You further acknowledge and agree that, except with respect to the
Excluded Claims, the Company Released Parties have fully satisfied any and all obligations whatsoever owed to you arising out of your employment with the Company or any other Company Released Party, and that no further payments or benefits are owed
to you by the Company or any other Company Party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7.&nbsp;&nbsp;&nbsp;&nbsp;<U>CONSULTATION WITH ATTORNEY/VOLUNTARY AGREEMENT</U>. You
acknowledge that (a)&nbsp;the Company has advised you of your right to consult with an attorney of your own choosing, to the extent you wish to do so, prior to executing this Agreement, (b)&nbsp;you have carefully read and fully understand all of
the provisions of this Agreement, (c)&nbsp;you are entering into this Agreement, including the releases set forth in this Agreement, knowingly, freely and voluntarily in exchange for good and valuable consideration that is in addition to any
consideration you would otherwise be entitled to receive, and (d)&nbsp;the release in this Agreement applies to and covers all claims against the Company and the other Company Released Parties, whether or not you know or suspect them to exist at the
present time. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8.&nbsp;&nbsp;&nbsp;&nbsp;<U>CONTINUING OBLIGATIONS AND COVENANTS</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;You hereby acknowledge that you will continue to be bound by the surviving terms of the Employment Agreement,
including the terms in Section&nbsp;8 therein (Competitive Activity; Confidentiality; Nonsolicitation), as set forth and modified below: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;During the Transition Period, you will not compete with the Company anywhere in the world. In accordance with this
restriction, but without limiting its terms, during the Transition Period, you will not: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">enter into or engage in any business which directly competes with the business of the Company;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">solicit customers, business, patronage or orders for, or sell, any products and services in competition with,
or for any business that directly competes with, the business of the Company; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(C)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">divert, entice or otherwise take away any customers, business, patronage or orders of the Company or attempt to
do so; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(D)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">promote or assist, financially or otherwise, any person, firm, association, partnership, corporation or other
entity engaged in any business which directly competes with the business of the Company. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;For a period of one (1)&nbsp;year following the Separation Date, you will not: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">enter into or engage in any business which directly competes with the Company&#146;s business within the
Restricted Territory (as defined below); </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">solicit customers, business, patronage or orders for, or sell, any products and services in direct competition
with, or for any business, wherever located, that directly competes with, the Company&#146;s business within the Restricted Territory; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(C)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">divert, entice or otherwise take away any customers, business, patronage or orders of the Company within the
Restricted Territory, or attempt to do so; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(D)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">promote or assist, financially or otherwise, any person, firm, association, partnership, corporation or other
entity engaged in any business which directly competes with the Company&#146;s business within the Restricted Territory. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of Sections 8(a)(i) and 8(a)(ii) of this Agreement, but without limitation thereof, you will be
in violation thereof if you engage in any or all of the activities set forth therein directly as an individual on your own account, or indirectly as a partner, joint venturer, employee, agent, salesperson, consultant, officer and/or director of any
firm, association, partnership, corporation or other entity, or as a stockholder of any corporation or the owner of the interests in any other entity, in which you or your spouse, child or parent owns, directly or indirectly, individually or in the
aggregate, more than five percent (5%) of the outstanding stock or other ownership interests; <U>provided</U>, <U>however</U>, that nothing in Sections 8(a)(i) and 8(a)(ii) of this Agreement shall prohibit or otherwise restrict you from serving on
the board of, or as a consultant to, a financial institution, such as a bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this
Section&nbsp;8, the Company shall include any and all direct and indirect subsidiary, parent, affiliated, or related companies of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp; For the purposes of Sections 8(a)(i), 8(a)(ii) and 8(a)(ix)-(xii) of this Agreement, the Company&#146;s business
is defined to be the development and sale of software products, provision of service and outsourcing of applications that facilitate electronic payments, as further described in any and all manufacturing, marketing and sales manuals and materials of
the Company as the same may be altered, amended, supplemented or otherwise changed from time to time, or of any other products or services substantially similar to or readily suitable for any such described products and services. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;For purposes of Section&nbsp;8(a)(ii) of this Agreement, the Restricted Territory shall be defined as and limited
to: (A)&nbsp;the geographic area(s) within a 100 mile radius of any and all Company location(s) in, to, or for which you worked, to which you were assigned or had any responsibility (either direct or supervisory) as of the Separation Date and at any
time during the one (1)&nbsp;year period prior to the Separation Date; and (B)&nbsp;all of the specific customer accounts, whether within or outside of the geographic area described in (A)&nbsp;above, with which you had any contact or for which you
had any responsibility (either direct or supervisory) as of the Separation Date and at any time during the one (1)&nbsp;year period prior to the Separation Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;If it shall be judicially determined that you have violated
any of your obligations under Section&nbsp;8(a)(ii) of this Agreement, then the period applicable to each obligation that you shall have been determined to have violated shall automatically be extended by a period of time equal in length to the
period during which such violation(s) occurred. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;For a period of two (2)&nbsp;years following the
Separation Date, you will not directly or indirectly solicit or induce or attempt to solicit or induce any employee(s), sales representative(s), agent(s) or individual consultant(s) of the Company and/or of its parent, or its other subsidiary,
affiliated or related companies (other than Philip E. Bruno of McKinsey&nbsp;&amp; Company) to terminate their employment, representation or other association with the Company and/or its parent or its other subsidiary, affiliated or related
companies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;You will keep in strict confidence, and will not, directly or indirectly, at any time after the
Execution Date, disclose, furnish, disseminate, make available or use any trade secrets or confidential business and technical information of the Company or its customers or vendors, including without limitation as to when or how you may have
acquired such information. Such confidential information shall include, without limitation, the Company&#146;s unique selling, manufacturing and servicing methods and business techniques, training, service and business manuals, promotional
materials, training courses and other training and instructional materials, vendor and product information, customer and prospective customer lists, other customer and prospective customer information and other business information. You specifically
acknowledge that all such confidential information, whether reduced to writing, maintained on any form of electronic media, or maintained in your mind or memory and whether compiled by the Company, and/or Executive, derives independent economic
value from not being readily known to or ascertainable by proper means by others who can obtain economic value from its disclosure or use, that reasonable efforts have been made by the Company to maintain the secrecy of such information, that such
information is the sole property of the Company and that any retention and use of such information by you after the Separation Date shall constitute a misappropriation of the Company&#146;s trade secrets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;You agree that on or before the Separation Date, you shall return to the Company, in good condition, all property
of the Company, including without limitation, the originals and all copies of any materials which contain, reflect, summarize, describe, analyze or refer or relate to any items of information listed in Section&nbsp;8(ix) of this Agreement. In the
event that such items are not so returned, the Company will have the right to charge you for all reasonable damages, costs, attorneys&#146; fees and other expenses incurred in searching for, taking, removing and/or recovering such property. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(xi)&nbsp;&nbsp;&nbsp;&nbsp;You reaffirm that per Section&nbsp;7(k) of the Employment Agreement, you assigned and agreed to assign to the
Company, its successors, assigns or nominees, all of your rights to any discoveries, inventions and improvements, whether patentable or not, made, conceived or suggested, either solely or jointly with others, by you while in the Company&#146;s
employ, whether in the course of your employment with the use of the Company&#146;s time, material or facilities or that is in any way within or related to the existing or contemplated scope of the Company&#146;s business. Any discovery, invention
or improvement relating to any subject matter with which the Company was concerned during your employment and made, conceived or suggested by you, either solely or jointly with others, within one (1)&nbsp;year following the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Separation Date shall be irrebuttably presumed to have been so made, conceived or suggested in the course of such employment with the use of the Company&#146;s time, materials or facilities. Upon
request by the Company with respect to any such discoveries, inventions or improvements, you will execute and deliver to the Company, at any time, all appropriate documents for use in applying for, obtaining and maintaining such domestic and foreign
patents as the Company may desire, and all proper assignments therefor, when so requested, at the expense of the Company, but without further or additional consideration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(xii)&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge that, to the extent permitted by law, all work papers, reports, documentation, drawings,
photographs, negatives, tapes and masters therefor, prototypes and other materials (&#147;<U>Items</U>&#148;), including without limitation, any and all such items generated and maintained on any form of electronic media, generated by you during
your employment with the Company shall be considered a &#147;work made for hire&#148; and that ownership of any and all copyrights in any and all such items shall belong to the Company. The Item will recognize the Company as the copyright owner,
will contain all proper copyright notices, e.g., &#147;(creation date) [Company Name], All Rights Reserved,&#148; and will be in condition to be registered or otherwise placed in compliance with registration or other statutory requirements
throughout the world. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(xiii)&nbsp;&nbsp;&nbsp;&nbsp;During the Transition Period and for one (1)&nbsp;year after the Separation Date,
you will communicate the contents of this Agreement governing noncompetition and <FONT STYLE="white-space:nowrap">non-solicitation</FONT> provisions to any person, firm, association, partnership, corporation or other entity which you intend to be
employed by, associated with, or represent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(xiv)&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge and agree that the remedy at law available to
the Company for breach of any of your obligations under this Agreement would be inadequate. You therefore agree that, in addition to any other rights or remedies that the Company may have at law or in equity, temporary and permanent injunctive
relief may be granted in any proceeding which may be brought to enforce any provision contained in Section&nbsp;8 of this Agreement or Section&nbsp;7 of the Employment Agreement, without the necessity of proof of actual damage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(xv)&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge that your obligations under this Section&nbsp;8 and Section&nbsp;7 of the Employment Agreement
are reasonable in the context of the nature of the Company&#146;s business and the competitive injuries likely to be sustained by the Company if you were to violate such obligations. You further acknowledge that this Agreement is made in
consideration of, and is adequately supported by the agreement of the Company to perform its obligations under this Agreement and by other consideration, which you acknowledge constitutes good, valuable and sufficient consideration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;In addition, you agree and covenant that you shall not, at any time during the Transition Period and for two
(2)&nbsp;years after the Separation Date, make, publish, or communicate to any person or entity or in any public forum any defamatory, maliciously false, or disparaging remarks, comments, or statements concerning the Company, its Affiliates or their
businesses, or any of their employees, officers, or directors and their existing and prospective customers, suppliers, investors, and other associated third parties, now or in the future, <U>provided</U>, that any remarks, comments or other
statements made, directly or indirectly, by you to a national securities exchange, governmental agency, regulatory authority or self-regulatory organization or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
as otherwise required by applicable law about or related to the Company, its Affiliates or their businesses, or any of their employees, officers, or directors and their existing and prospective
customers, suppliers, investors, and other associated third parties which you reasonably believe to be truthful and for which you have a basis in fact for making shall not constitute a violation of this Section&nbsp;8(b). Likewise, the Company shall
instruct members of the Board and the Company&#146;s senior executives to not, at any time during the Transition Period and for two (2)&nbsp;years after the Separation Date, make, publish, or communicate to any person or entity or in any public
forum any defamatory, maliciously false, or disparaging remarks, comments or statements concerning you or your reputation, <U>provided</U>, that any remarks, comments or other statements made, directly or indirectly, by or on behalf of the Company
or any of its present or former officers, directors, employees or other agents or representatives (each a &#147;<U>Company Representative</U>&#148;) to a national securities exchange, governmental agency, regulatory authority or self-regulatory
organization or as otherwise required by applicable law about or related to you or your reputation which the applicable Company Representative reasonably believes to be truthful and for which such Company Representative has a basis in fact for
making shall not constitute a violation of this Section&nbsp;8(b). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9.&nbsp;&nbsp;&nbsp;&nbsp;<U>COOPERATION</U>. You agree that you will
cooperate with the Company, during or after the Transition Period, including executing documents and providing requested information, as may reasonably be required to give effect to the provisions of this Agreement or for the Company to comply with
applicable securities laws, and in connection with any litigation or other proceedings in which the Company or any of its Affiliates may from time to time be involved and which is related or otherwise relevant to your service to the Company or its
Affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10.&nbsp;&nbsp;&nbsp;&nbsp;<U>REPRESENTATIONS AND ACKNOWLEDGMENTS</U>. You make the following representations and
acknowledgments, each of which is an important consideration to the Company&#146;s willingness to enter into this Agreement: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;You represent and acknowledge that you have properly been paid for all hours worked for the Company and neither the
Company nor any other Company Released Party owes you any wages, commissions, bonuses, sick pay, personal leave pay, severance pay, vacation pay or other compensation, benefits or payments or form of remuneration of any kind or nature, other than
that specifically provided for in this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge that the Company is not entering into this
Agreement because it believes that you have any cognizable legal claim against any of the Company Released Parties. If you elect not to sign this Agreement, the fact that this Agreement was offered will not be understood as an indication that any of
the Company Released Parties believed that you were treated unlawfully in any respect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">c.&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge that you
have not filed any claims, complaints, or actions of any kind against the Company with any court of law, or local, state, or federal government or agency. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.&nbsp;&nbsp;&nbsp;&nbsp;<U>PERMITTED DISCLOSURES</U>. You are hereby provided notice that
under the Defend Trade Secrets Act of 2016 (&#147;<U>DTSA</U>&#148;): (a) no individual will be held criminally or civilly liable under federal or state trade secrets law for the disclosure of a trade secret (as defined in the Economic Espionage
Act) that (i)&nbsp;is made in confidence to a federal, state or local government official, either directly or indirectly, or to an attorney, and made solely for the purpose of reporting or investigating a suspected violation of law, or (ii)&nbsp;is
made in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public; and (b)&nbsp;an individual who pursues a lawsuit for retaliation by an employer for reporting a suspected
violation of the law may disclose the trade secret to such individual&#146;s attorney and use the trade secret information in the court proceeding, if the individual files any document containing the trade secret under seal and does not disclose the
trade secret, except as permitted by court order. Nothing in this Agreement is intended to conflict with the DTSA or create liability for disclosures of trade secrets that are expressly allowed by such section. Further, it shall not be a violation
of this Agreement for you to (i)&nbsp;provide testimony or access to confidential information in response to a valid subpoena, court order, regulatory request, or other legal process; <U>provided</U>, <U>however</U>, before making any such
disclosure, other than to any governmental agency or regulatory authority or any self-regulatory organization, you shall (unless legally prohibited from doing so) give the Company written notice of your intended disclosure and afford the Company a
reasonable opportunity to protect the Company&#146;s interests, or (ii)&nbsp;voluntarily communicate with, or voluntarily participate in, any investigation or proceeding that may be conducted by, any governmental agency, regulatory authority or
self-regulatory organization concerning possible violations of law, including providing documents or other information in that connection to any governmental agency, regulatory authority or self-regulatory organization, in each case without notice
to the Company or any other Company Released Party. Notwithstanding any other provision in this Agreement, it will not be a breach of any confidentiality provisions referenced in this Agreement for either Party to give truthful testimony and
evidence, or otherwise defend itself, in response to a subpoena or other process of law or in connection with any court or arbitration proceeding or for either Party to exercise protected rights, to the extent that such rights cannot be waived by
agreement or from complying with any applicable law or regulation or a valid order of a court of competent jurisdiction or an authorized government agency, provided that such compliance does not exceed that required by the law, regulation or order.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12.&nbsp;&nbsp;&nbsp;&nbsp;<U>CODE SECTION 409A COMPLIANCE</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;This Agreement is intended to comply with, or be exempt from, the provisions of Section&nbsp;409A of the Internal
Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;) so that the income inclusion provisions of said Section&nbsp;409A do not apply to Executive, and the Company and you accordingly agree to such amendments to the Agreement as may be
necessary or appropriate to reform the provisions of the Agreement to comply with the applicable requirements of Section&nbsp;409A of the Code and the regulations and Treasury guidance thereunder to prevent any of the benefits provided by this
Agreement from being includible in your gross income before being paid pursuant to this Agreement or otherwise subject to additional income taxes and interest penalties under Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any provision to the contrary in this Agreement, no payment or distribution under this Agreement
that constitutes an item of nonqualified deferred compensation (within the meaning of Section&nbsp;409A of the Code), and becomes payable by reason of your termination of employment will be made to you unless your termination of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
employment constitutes a separation from service (within the meaning of Section&nbsp;409A of the Code). For purposes of this Agreement, each amount to be paid or benefit to be provided shall be
construed as a separate identified payment for purposes of Section&nbsp;409A of the Code. To the extent that any reimbursable expenses hereunder are deemed to constitute compensation to you, such expenses shall be paid or reimbursed promptly, but
not later than by December&nbsp;31 of the year following the year in which such expenses were incurred. The amount of such expenses eligible for reimbursement in one calendar year shall not affect the amount of expenses eligible for reimbursement in
any other calendar year, and your right to reimbursement of any such expenses shall not be subject to liquidation or exchange for any other benefit. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">c.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary in this Agreement, any payment to be made to you upon your separation from
service (within the meaning of Section&nbsp;409A of the Code) which constitutes nonqualified deferred compensation (within the meaning of Section&nbsp;409A of the Code), will not be made to you until the earliest to occur of: (i)&nbsp;the first day
of the seventh month following the date of your separation from service; or (ii)&nbsp;your death. The foregoing provisions which delay the payment date of certain nonqualified deferred compensation shall only apply if you are a &#147;specified
employee&#148; (within the meaning of Section&nbsp;409A of the Code) as determined by the Company under the methodology established by the Company at the time of your separation from service and only to the extent necessary to avoid additional
income taxes or interest penalties under Section&nbsp;409A of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13.&nbsp;&nbsp;&nbsp;&nbsp;<U>REASONABLE ATTORNEYS&#146; FEES AND
COSTS</U>. The Company will reimburse you for reasonable attorneys&#146; fees and costs, up to a maximum of $28,835, that you incur in direct connection with the negotiation of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14.&nbsp;&nbsp;&nbsp;&nbsp;<U>GOVERNING LAW</U>. This Agreement will be governed by and construed in accordance with the laws of the State of
Nebraska without giving effect to any principles of conflict of laws that would lead to the application of the laws of another jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15.&nbsp;&nbsp;&nbsp;&nbsp;<U>SUCCESSORS AND ASSIGNS</U>. You agree that this Agreement (in whole or in part) will be binding upon, and pass
to the benefit of, the successors and assigns of the Company. You may not assign this agreement in whole or in part. Any purported assignment by you shall be null and void from the initial date of the purported assignment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16.&nbsp;&nbsp;&nbsp;&nbsp;<U>AMENDMENTS</U>. This Agreement may not be amended or modified other than by a written instrument signed by an
authorized representative of both Parties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17.&nbsp;&nbsp;&nbsp;&nbsp;<U>COUNTERPARTS</U>. This Agreement may be executed in two
(2)&nbsp;or more counterparts, each of which shall be deemed an original, but all of which shall constitute one and the same instrument. Facsimile and .pdf signatures will suffice as original signatures. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">18.&nbsp;&nbsp;&nbsp;&nbsp;<U>NOTICES</U>. Any notice provided for in this Agreement shall
be in writing and shall be either personally delivered, sent by reputable overnight carrier or mailed by first class mail, return receipt requested, to the recipient at the address below indicated: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notices to Executive: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Philip G. Heasley </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">3271 Green
Dolphin Lane </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Naples, FL 34102 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">with a copy to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Christopher P.
Sullivan, Esq. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Robins Kaplan LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">800 Boylston Street Suite 2500 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Boston, MA 02199 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notices to the Company: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">ACI Worldwide, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">6060
Coventry Drive </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Elkhorn, NE 68022 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attn: General Counsel </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or such other address or
to the attention of such other person as the recipient party shall have specified by prior written notice to the sending party. Any notice under this Agreement will be deemed to have been given when so delivered, sent or mailed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">19.&nbsp;&nbsp;&nbsp;&nbsp;<U>SEVERABILITY</U>. If any provision of this Agreement is invalid, illegal or unenforceable in any respect, such
provision will be enforced to the maximum extent possible, given the fundamental intentions of the Parties when entering into this Agreement. To the extent such provision cannot be so enforced, it will be stricken from this Agreement and the
remainder of this Agreement will be enforced as if such invalid, illegal or unenforceable provision had never been contained in this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">20.&nbsp;&nbsp;&nbsp;&nbsp;<U>ENTIRE AGREEMENT</U>.&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise provided herein, this Agreement, together with
<U>Exhibit A</U> and <U>Exhibit B</U>, sets forth the entire agreement and understanding of the Parties relating to the subject matter hereof and supersedes all prior discussions, agreements, and understandings of every kind and nature between the
Parties hereto (including the Employment Agreement and the Change in Control Employment Agreement between you and the Company, dated July&nbsp;1, 2016), and neither Party shall be bound by any term or condition other than as expressly set forth or
provided for in this Agreement; <U>provided</U>, that the Indemnification Agreement shall remain in effect following the Separation Date subject to its terms and conditions. For clarity, the Parties acknowledge and agree that except as otherwise
provided on the terms of the documents, you shall have no post-employment termination rights under, and shall not be entitled to any post-employment termination benefits following the Separation Date under or otherwise pursuant to: the Employment
Agreement; any Company bonus plan; the Company&#146;s health plans, including medical, dental and vision insurance plans other than pursuant to timely elected continuation coverage under COBRA; the Company&#146;s 401(k) Plan; the Company&#146;s
insurance plans; and any and all other plans, policies, programs, agreements and arrangements provided for by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature
page follows.</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the Parties have executed this Agreement as of the last date set forth
below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="5%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"><B>ACI WORLDWIDE, INC.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>PHILIP G. HEASLEY</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ David A. Poe</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Philip G. Heasley</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David A. Poe</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Chairman</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3">Date: November&nbsp;5, 2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Date: November&nbsp;5, 2019</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Retirement and General Release Agreement] </I></P>
</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit A </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consulting Agreement </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">THIS CONSULTING AGREEMENT (the &#147;<U>Agreement</U>&#148;) is entered into as of January&nbsp;1, 2020 (the &#147;<U>Effective
Date</U>&#148;) by and between ACI Worldwide, Inc., a Delaware corporation (the &#147;<U>Company</U>&#148;), and Philip G. Heasley (&#147;<U>Consultant</U>&#148;) (together, the &#147;<U>Parties</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Retention as a Consultant</U>. The Company hereby retains Consultant to serve as an independent consultant to the
Company, on the terms and conditions set forth in this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Consulting Period</U>. The term of this
Agreement shall commence on the Effective Date and shall terminate on March&nbsp;31, 2020 (the &#147;<U>Consulting Period</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Consulting Services</U>. During the Consulting Period, Consultant will be reasonably available to consult and
cooperate with, answer questions from and provide advice and counseling to, the Company with respect to matters as requested by the Company on an <FONT STYLE="white-space:nowrap">as-needed</FONT> basis (the &#147;<U>Consulting Services</U>&#148;).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Independent Contractor Status</U>. The Parties acknowledge and agree that Consultant shall serve as an
independent contractor and not as an employee of the Company. The Parties hereby covenant with one another to treat the engagement of Consultant as that of an independent contractor, and not that of an employee of the Company, for all purposes
including, but not limited to, (a)&nbsp;U.S. and <FONT STYLE="white-space:nowrap">non-U.S.</FONT> Federal, state and local income, business and employment taxes in any jurisdiction, (b)&nbsp;statutory and fringe benefits and (c)&nbsp;insurance.
Consultant agrees that he is not, and will not claim or represent him to be, an employee or agent of the Company, that Consultant has no authority to enter into any contracts or agreements on behalf of the Company or to otherwise bind the Company in
any manner, and that Consultant will not represent to any person or entity that he/it has any such authority. The Company will not be responsible for withholding or paying any income, payroll, Social Security, or other federal, state or local taxes,
making any insurance contributions, including for unemployment or disability, or obtaining workers&#146; compensation insurance with respect to the Consulting Services rendered hereunder. Consultant acknowledges and agrees that, during the
Consulting Period, Consultant shall not be eligible to participate in, and waives any claims he may have to, any type of benefits offered to employees of the Company or any of its Affiliates (other than those to which he might be entitled as a
former employee of the Company). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Consulting Fee and Related Matters</U>. In exchange for the Consulting
Services and Consultant&#146;s continued compliance with the provisions of this Agreement, during the Consulting Period, the Company shall pay Consultant a consulting fee in an aggregate amount equal to $180,000, payable in substantially equal <FONT
STYLE="white-space:nowrap">bi-monthly</FONT> installments on the Company&#146;s regularly scheduled payroll dates. During the Consulting Period, Consultant shall be reimbursed, upon receipt by the Company of suitable documentation, for reasonable
and necessary travel or other <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses incurred with prior, written approval by the Company&#146;s Chief Financial Officer in consultation with a Board
member and subject to the Company&#146;s travel reimbursement policy as in effect from time to time; <U>provided</U>, that any such reasonable and necessary travel expected to occur during the Consulting Period shall be subject to <FONT
STYLE="white-space:nowrap">pre-approval</FONT> no later than December&nbsp;31, 2019. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Taxes</U>. Consultant agrees and understands that Consultant
will fully assume any and all tax obligations on any payment or consideration paid to Consultant pursuant to this Agreement, and that Consultant shall be exclusively responsible for the reporting, withholding and payment of any and all Federal,
state and local income, business or self-employment taxes in any jurisdiction which may be determined to be due as a result of any payment pursuant to this Agreement. The Company makes no representations concerning the tax consequences of the
consulting fee paid pursuant to this Agreement. Consultant shall indemnify, defend, and hold harmless the Company, its officers, directors, employees, and agents, and its successors, heirs, and assigns, from and against any and all claims, damages
and losses (including interest, penalties and defense costs) related to Consultant&#146;s reporting, payment or <FONT STYLE="white-space:nowrap">non-payment</FONT> of taxes with respect to the Consulting Services. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7.&nbsp;&nbsp;&nbsp;&nbsp;<U>CONTINUING OBLIGATIONS AND COVENANTS</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;Consultant hereby acknowledges that Consultant will continue to be bound by the surviving terms of that certain
amended and restated employment agreement between Consultant and the Company, dated January&nbsp;7, 2016 (the &#147;<U>Employment Agreement</U>&#148;), including the terms in Section&nbsp;8 therein (Competitive Activity; Confidentiality;
Nonsolicitation), and as described in Section&nbsp;8 of that certain retirement and general release agreement entered into as of November&nbsp;7, 2019 by and between the Company and Consultant (the &#147;<U>Retirement and General Release
Agreement</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;Consultant is hereby provided notice that under the Defend Trade Secrets Act of 2016
(&#147;<U>DTSA</U>&#148;): (a) no individual will be held criminally or civilly liable under federal or state trade secrets law for the disclosure of a trade secret (as defined in the Economic Espionage Act) that (i)&nbsp;is made in confidence to a
federal, state or local government official, either directly or indirectly, or to an attorney, and made solely for the purpose of reporting or investigating a suspected violation of law, or (ii)&nbsp;is made in a complaint or other document filed in
a lawsuit or other proceeding, if such filing is made under seal so that it is not made public; and (b)&nbsp;an individual who pursues a lawsuit for retaliation by an employer for reporting a suspected violation of the law may disclose the trade
secret to such individual&#146;s attorney and use the trade secret information in the court proceeding, if the individual files any document containing the trade secret under seal and does not disclose the trade secret, except as permitted by court
order. Nothing in this Agreement is intended to conflict with the DTSA or create liability for disclosures of trade secrets that are expressly allowed by such section. Further, it shall not be a violation of this Agreement for Consultant to
(i)&nbsp;provide testimony or access to confidential information in response to a valid subpoena, court order, regulatory request, or other legal process; <U>provided</U>, <U>however</U>, before making any such disclosure, other than to any
governmental agency or regulatory authority or any self-regulatory organization, Consultant shall (unless legally prohibited from doing so) give the Company written notice of Consultant&#146;s intended disclosure and afford the Company a reasonable
opportunity to protect the Company&#146;s interests, or (ii)&nbsp;voluntarily communicate with, or voluntarily participate in, any investigation or proceeding that may be conducted by, any governmental agency, regulatory authority or self-regulatory
organization concerning possible violations of law, including providing documents or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-2 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
other information in that connection to any governmental agency, regulatory authority or self-regulatory organization, in each case without notice to the Company or any other Company Released
Party. Notwithstanding any other provision in this Agreement, it will not be a breach of any confidentiality provisions referenced in this Agreement for either Party to give truthful testimony and evidence, or otherwise defend itself, in response to
a subpoena or other process of law or in connection with any court or arbitration proceeding or for either Party to exercise protected rights, to the extent that such rights cannot be waived by agreement or from complying with any applicable law or
regulation or a valid order of a court of competent jurisdiction or an authorized government agency, provided that such compliance does not exceed that required by the law, regulation or order. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">c.&nbsp;&nbsp;&nbsp;&nbsp;Consultant hereby acknowledges and agrees that any communication by Consultant with the Company&#146;s investors or
other third parties during the Consulting Period shall be consistent with any Company communications protocol established by the Board regarding the same subject matter. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8.&nbsp;&nbsp;&nbsp;&nbsp;<U>CODE SECTION 409A COMPLIANCE</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;This Agreement is intended to comply with, or be exempt from, the provisions of Section&nbsp;409A of the Internal
Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;) so that the income inclusion provisions of said Section&nbsp;409A do not apply to Consultant, and the Company and Consultant accordingly agree to such amendments to the Agreement as may
be necessary or appropriate to reform the provisions of the Agreement to comply with the applicable requirements of Section&nbsp;409A of the Code and the regulations and Treasury guidance thereunder to prevent any of the benefits provided by this
Agreement from being includible in Consultant&#146;s gross income before being paid pursuant to this Agreement or otherwise subject to additional income taxes and interest penalties under Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any provision to the contrary in this Agreement, no payment or distribution under this Agreement
that constitutes an item of nonqualified deferred compensation (within the meaning of Section&nbsp;409A of the Code), and becomes payable by reason of Consultant&#146;s termination will be made to Consultant unless Consultant&#146;s termination
constitutes a separation from service (within the meaning of Section&nbsp;409A of the Code). For purposes of this Agreement, each amount to be paid or benefit to be provided shall be construed as a separate identified payment for purposes of
Section&nbsp;409A of the Code. To the extent that any reimbursable expenses hereunder are deemed to constitute compensation to Consultant, such expenses shall be paid or reimbursed promptly, but not later than by December&nbsp;31 of the year
following the year in which such expenses were incurred. The amount of such expenses eligible for reimbursement in one calendar year shall not affect the amount of expenses eligible for reimbursement in any other calendar year, and Consultant&#146;s
right to reimbursement of any such expenses shall not be subject to liquidation or exchange for any other benefit. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">c.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary in this Agreement, any payment to be made to Consultant upon
Consultant&#146;s separation from service (within the meaning of Section&nbsp;409A of the Code) which constitutes nonqualified deferred compensation (within the meaning of Section&nbsp;409A of the Code), will not be made to Consultant until the
earliest to occur of: (i)&nbsp;the first day of the seventh month following the date of Consultant&#146;s separation from </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
service; or (ii)&nbsp;Consultant&#146;s death. The foregoing provisions which delay the payment date of certain nonqualified deferred compensation shall only apply if Consultant is a
&#147;specified employee&#148; (within the meaning of Section&nbsp;409A of the Code) as determined by the Company under the methodology established by the Company at the time of Consultant&#146;s separation from service and only to the extent
necessary to avoid additional income taxes or interest penalties under Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9.&nbsp;&nbsp;&nbsp;&nbsp;<U>GOVERNING LAW</U>. This Agreement will be governed by and construed in accordance with the laws of the State of
Nebraska without giving effect to any principles of conflict of laws that would lead to the application of the laws of another jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10.&nbsp;&nbsp;&nbsp;&nbsp;<U>SUCCESSORS AND ASSIGNS</U>. Consultant agrees that this Agreement (in whole or in part) will be binding upon,
and pass to the benefit of, the successors and assigns of the Company. Consultant may not assign this agreement in whole or in part. Any purported assignment by Consultant shall be null and void from the initial date of the purported assignment.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.&nbsp;&nbsp;&nbsp;&nbsp;<U>AMENDMENTS</U>. This Agreement may not be amended or modified other than by a written instrument signed by
an authorized representative of both Parties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12.&nbsp;&nbsp;&nbsp;&nbsp;<U>COUNTERPARTS</U>. This Agreement may be executed in two
(2)&nbsp;or more counterparts, each of which shall be deemed an original, but all of which shall constitute one and the same instrument. Facsimile and .pdf signatures will suffice as original signatures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13.&nbsp;&nbsp;&nbsp;&nbsp;<U>NOTICES</U>. Any notice provided for in this Agreement shall be in writing and shall be either personally
delivered, sent by reputable overnight carrier or mailed by first class mail, return receipt requested, to the recipient at the address below indicated: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notices to Consultant: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Philip G. Heasley </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">3271 Green
Dolphin Lane </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Naples, FL 34102 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">with a copy to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Christopher P.
Sullivan, Esq. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Robins Kaplan LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">800 Boylston Street Suite 2500 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Boston, MA 02199 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notices to the Company: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">ACI Worldwide, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">3520 Kraft
Road </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Naples, FL 34105 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attn: General Counsel </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or such other address or to the attention of such other person as the recipient party shall have specified
by prior written notice to the sending party. Any notice under this Agreement will be deemed to have been given when so delivered, sent or mailed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14.&nbsp;&nbsp;&nbsp;&nbsp;<U>SEVERABILITY</U>. If any provision of this Agreement is invalid, illegal or unenforceable in any respect, such
provision will be enforced to the maximum extent possible, given the fundamental intentions of the Parties when entering into this Agreement. To the extent such provision cannot be so enforced, it will be stricken from this Agreement and the
remainder of this Agreement will be enforced as if such invalid, illegal or unenforceable provision had never been contained in this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15.&nbsp;&nbsp;&nbsp;&nbsp;<U>ENTIRE AGREEMENT</U>. Except as otherwise provided herein, this Agreement, together with the Retirement and
General Release Agreement, and <U>Exhibit B</U>, sets forth the entire agreement and understanding of the Parties relating to the subject matter hereof and supersedes all prior discussions, agreements, and understandings of every kind and nature
between the Parties hereto (including the Employment Agreement and the Change in Control Employment Agreement between you and the Company, dated July&nbsp;1, 2016), and neither Party shall be bound by any term or condition other than as expressly
set forth or provided for in this Agreement; <U>provided</U>, that the indemnification agreement between you and the Company, dated March&nbsp;11, 2009 shall remain in effect following the Effective Date subject to its terms and conditions. For
clarity, the Parties acknowledge and agree that except as otherwise provided on the terms of the documents, Consultant shall have no post-employment termination rights under, and shall not be entitled to any post-employment termination benefits
following the Separation Date under or otherwise pursuant to: the Employment Agreement; any Company bonus plan; the Company&#146;s health plans, including medical, dental and vision insurance plans other than pursuant to timely elected continuation
coverage under COBRA; the Company&#146;s 401(k) Plan; the Company&#146;s insurance plans; and any and all other plans, policies, programs, agreements and arrangements provided for by the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signatures appear on the following page</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the Parties have executed this Agreement as of the last date set forth
below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="5%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"><B>ACI WORLDWIDE, INC.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>PHILIP G. HEASLEY</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ David A. Poe</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Philip G. Heasley</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David A. Poe</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Chairman</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3">Date: November&nbsp;5, 2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Date: November&nbsp;5, 2019</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature page to Consulting Agreement</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit B </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Supplemental Release of Claims </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Release</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;For good and valuable consideration, including the Company&#146;s provision of a certain payment to you in accordance
with Section&nbsp;3(b) of the Retirement and General Release Agreement, dated November&nbsp;7, 2019 (the &#147;<U>Retirement Agreement</U>&#148;), you hereby forever release and discharge the Company and its parents, and their Affiliates,
successors, and assigns, as well as each of their past and present officers, directors, employees, agents, attorneys, and stockholders (collectively, the &#147;<U>Company Released Parties</U>&#148;), from any and all claims, charges, complaints,
liens, demands, causes of action, obligations, damages, and liabilities, <U>known or unknown</U>, <U>suspected or unsuspected</U>, that you had, now have, or may hereafter claim to have against the Company Released Parties arising out of, or
relating in any way to, (i)&nbsp;any act or omission from the beginning of time to the date you sign this Agreement including, without limitation, any and all claims or causes of action for wrongful termination, breach of an express or implied
contract, breach of the covenant of good faith and fair dealing, breach of fiduciary duty, fraud, misrepresentation, defamation, slander, infliction of emotional distress, disability, loss of future earnings, and any claims under any applicable
state, federal, or local statutes and regulations, including, but not limited to, the Age Discrimination in Employment Act of 1967, as amended by the Older Workers Benefit Protection Act (the &#147;<U>ADEA</U>&#148;), the Civil Rights Act of 1964,
as amended, the Equal Pay Act of 1963, as amended, the Fair Labor Standards Act, as amended, the Americans with Disabilities Act of 1990, as amended, the Rehabilitation Act of 1973, as amended, the Employee Retirement Income Security Act of 1974, as
amended, the Worker Adjustment and Retraining Notification Act, as amended, the Fair Credit Reporting Act, Section&nbsp;806 of the Sarbanes-Oxley Act, the Dodd-Frank Act, the Family and Medical Leave Act, as amended, and the Nebraska Fair Employment
Practice Act (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1101</FONT> to <FONT STYLE="white-space:nowrap">48-1125);</FONT> the Nebraska Age Discrimination in Employment Act (Neb. Rev. St. &#167;&#167; <FONT
STYLE="white-space:nowrap">48-1001</FONT> to <FONT STYLE="white-space:nowrap">48-1010);</FONT> the Nebraska Wage Payment and Collection Act (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1228</FONT> to
<FONT STYLE="white-space:nowrap">48-1234);</FONT> Nebraska&#146;s privacy laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">20-201</FONT> to <FONT STYLE="white-space:nowrap">20-211</FONT> and
<FONT STYLE="white-space:nowrap">25-840.01);</FONT> Nebraska&#146;s drug testing laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1901</FONT> to <FONT STYLE="white-space:nowrap">48-1910);</FONT> Nebraska&#146;s military leave
laws (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">55-160</FONT> to <FONT STYLE="white-space:nowrap">55-166</FONT> and <FONT STYLE="white-space:nowrap">55-501</FONT> to <FONT STYLE="white-space:nowrap">55-507);</FONT> Nebraska laws
related to equal pay (Neb. Rev. St. &#167;&#167; <FONT STYLE="white-space:nowrap">48-1219</FONT> to <FONT STYLE="white-space:nowrap">48-1227.01);</FONT> and Nebraska leave laws (Neb. Rev. St. &#167;&#167;
<FONT STYLE="white-space:nowrap">25-1640,</FONT> <FONT STYLE="white-space:nowrap">32-922,</FONT> <FONT STYLE="white-space:nowrap">48-234,</FONT> <FONT STYLE="white-space:nowrap">32-241,</FONT> and <FONT STYLE="white-space:nowrap">35-1403</FONT> to <FONT
STYLE="white-space:nowrap">35-1405),</FONT> (ii) your employment with, including during the Transition Period, or your termination of employment from the Company or (iii)&nbsp;any arrangement or understanding, including the Employment Agreement,
between you and the Company; <U>provided</U>, <U>however</U>, that this Release does not waive, release or otherwise discharge (A)&nbsp;any claim or cause of action arising from a breach by the Company of this Agreement or that cannot legally be
waived, including, but not limited to, any claim for unpaid wages, workers&#146; compensation benefits, unemployment benefits or (B)&nbsp;any rights to indemnification under that certain indemnification agreement between you and the Company, dated
March&nbsp;11, 2009 or applicable law (the &#147;<U>Excluded Claims</U>&#148;). <B></B> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;You further acknowledge and agree that, except with respect to the
Excluded Claims, the Company Released Parties have fully satisfied any and all obligations whatsoever owed to you arising out of your employment with the Company or any other Company Released Party, and that no further payments or benefits are owed
to you by the Company or any other Company Party. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Review and Revocation Period</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">a.&nbsp;&nbsp;&nbsp;&nbsp;You acknowledge that (i)&nbsp;the Company and/or its successor has advised you to consult with an attorney of your
own choosing before signing this Supplemental Release, (ii)&nbsp;you have been given the opportunity to seek the advice of counsel, (iii)&nbsp;you have carefully read and fully understand all of the provisions of this Supplemental Release,
(iv)&nbsp;the release provided herein specifically applies to any rights or claims you may have against the Company Released Parties pursuant to the ADEA, (v)&nbsp;you are entering into this Supplemental Release knowingly, freely and voluntarily in
exchange for good and valuable consideration to which you are not otherwise entitled, including the payments and benefits set forth in Section&nbsp;4(b) of the Retirement Agreement, and (vi)&nbsp;you have the full power, capacity and authority to
enter into this Supplemental Release. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">b.&nbsp;&nbsp;&nbsp;&nbsp;You understand and agree that you have
<FONT STYLE="white-space:nowrap">twenty-one</FONT> (21)&nbsp;days following your receipt of this Supplemental Release to review this Supplemental Release and its terms and to reflect upon them and consider whether you want to sign it, although you
may sign it sooner. You understand and agree that you may accept this Supplemental Release by signing and returning it within the applicable time frame to ACI Worldwide, Inc., 3520 Kraft Road, Naples, FL 34105, Attn: General Counsel or via email to
dennis.byrnes@aciworldwide.com. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">c.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the initial effectiveness of this Supplemental Release. you may
revoke the execution and delivery (and therefore the effectiveness) of this Supplemental Release within the seven <FONT STYLE="white-space:nowrap">(7)-day</FONT> period beginning on the date you deliver the
<FONT STYLE="white-space:nowrap">re-execution</FONT> to the Company (such seven <FONT STYLE="white-space:nowrap">(7)-day</FONT> period being refined to herein as the &#147;Release Revocation Period&#148;). To be effective, such revocation mist be in
writing signed by you and must be delivered to Company by 11:59 p.m., Eastern Standard time, on the last day of the Release Revocation Period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">d.&nbsp;&nbsp;&nbsp;&nbsp;In the event of such revocation by you, this Supplemental Release shall be of no force or effect, and you shall not
have any rights and the Company shall not have any obligations under Section&nbsp;4(b) of the Retirement Agreement. Provided that you do not revoke your consent to this Supplemental Release within the Release Revocation Period, this Supplemental
Release shall become effective on the eighth (8th) calendar day after the date upon which you execute this Supplemental Release (the &#147;<U>Supplemental Release Effective Date</U>&#148;). </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Philip Heasley</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Date:&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>d801750dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g801750g1107114851463.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ACI President and CEO Philip Heasley to Retire at <FONT STYLE="white-space:nowrap">Year-End</FONT>
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Payments pioneer led company for 15 years; Company positioned for continued success in evolving payments market </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Naples, FL &#150; November</B><B></B><B>&nbsp;7, 2019 &#150;</B> ACI Worldwide Inc. (NASDAQ: ACIW) (&#147;ACI&#148; or the &#147;Company&#148;), a leading
global provider of real-time electronic payment and banking solutions, today announced that Philip Heasley has notified the Company&#146;s Board of Directors that he will retire as President and Chief Executive Officer and as a member of the Board,
effective as of December&nbsp;31, 2019. As part of its ongoing succession planning activities, the Board has been working with executive search firm Russell Reynolds to assist it in identifying potential CEO candidates. In addition, to help provide
for an orderly transition, Mr.&nbsp;Heasley has agreed to serve the Company in a consulting capacity for three months following his retirement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;It
has been a great privilege to lead ACI over the past 15 years,&#148; Mr.&nbsp;Heasley said. &#147;I am very proud of how we have strengthened our position as an innovative leader in this dynamic marketplace. The ACI operating model is fully in place
and gaining traction among key customer segments globally. I believe this is an opportune time for me to step aside and let a new leader guide ACI into the future. I am proud of all we have accomplished together and am confident in our team&#146;s
ability to build on this momentum. ACI has a deep bench of talent and the entire organization remains focused and well-positioned to execute on our strategy and drive long-term shareholder value.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;On behalf of the entire Board of Directors and all ACI team members, I thank Phil for his significant contributions to ACI and his many years of
dedicated service,&#148; said David Poe, Chairman of ACI&#146;s Board. &#147;During his tenure, Phil successfully advanced ACI&#146;s position as a global leader in real-time electronic payments. Among Phil&#146;s many accomplishments, he
transformed ACI to include a successful cloud-based business. We wish Phil all the best in his retirement and are grateful that, through a consulting agreement, his experience and perspective will be available to the Company through the first
quarter of next year.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Poe continued, &#147;The Board has a clear vision of the right person to lead the Company forward, and the
Board&#146;s search committee is conducting a thorough process that includes both internal and external candidates. ACI is fortunate to have a strong, experienced management team and talented payment professionals around the world who will continue
to advance and support the Company&#146;s strategy as we transition leadership.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In a separate press release issued today, ACI Worldwide announced
its financial results for the third quarter 2019. The press release is available on ACI&#146;s Investor Relations website at https://investor.aciworldwide.com. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About ACI Worldwide </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACI Worldwide, the Universal
Payments (UP) company, powers electronic payments for more than 5,100 organizations around the world. More than 1,000 of the largest financial institutions and intermediaries, as well as thousands of global merchants, rely on ACI to execute $14
trillion each day in payments and securities. In addition, myriad organizations utilize our electronic bill presentment and payment services. Through our comprehensive suite of software solutions delivered on customers&#146; premises or through
ACI&#146;s private cloud, we provide real-time, immediate payments capabilities and enable the industry&#146;s most complete omni-channel payments experience. To learn more about ACI, please visit www.aciworldwide.com. You can also find us on
Twitter @ACI_Worldwide. </P>
</DIV></Center>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FORWARD-LOOKING STATEMENTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This press release contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally,
forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as &#147;believes,&#148; &#147;will,&#148; &#147;expects,&#148; &#147;anticipates,&#148; &#147;intends,&#148; and words and
phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Forward-looking statements in this press release include, but are not limited to, statements regarding expectations that: (i)&nbsp;we will build on our
momentum; (ii)&nbsp;we will execute on our strategy and build long-term shareholder value; and (iii)&nbsp;we will continue to advance and support our strategy as we transition leadership. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange
Commission. Such factors include, but are not limited to, increased competition, the success of our Universal Payments strategy, demand for our products, restrictions and other financial covenants in our debt agreements, consolidations and failures
in the financial services industry, customer reluctance to switch to a new vendor, the accuracy of management&#146;s backlog estimates, the maturity of certain products, failure to obtain renewals of customer contracts or to obtain such renewals on
favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, volatility and disruption of the capital and credit markets and adverse changes in the global economy, our existing levels of debt, impairment of
our goodwill or intangible assets, litigation, future acquisitions, strategic partnerships and investments, integration of and achieving benefits from the Speedpay acquisition, the complexity of our products and services and the risk that they may
contain hidden defects or be subjected to security breaches or viruses, compliance of our products with applicable legislation, governmental regulations and industry standards, our ability to protect customer information from security breaches or
attacks, our compliance with privacy regulations, our ability to adequately defend our intellectual property, exposure to credit or operating risks arising from certain payment funding methods, the cyclical nature of our revenue and earnings and the
accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, business interruptions or failure of our information technology and communication systems, our offshore software development
activities, risks from operating internationally, including fluctuations in currency exchange rates, exposure to unknown tax liabilities, volatility in our stock price, and potential claims associated with our sale and transition of our CFS assets
and liabilities. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on
Form <FONT STYLE="white-space:nowrap">10-K</FONT> and our Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q.</FONT> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contact </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John Kraft, Vice President, Investor Relations&nbsp;&amp; Strategic Analysis </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACI Worldwide </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">239-403-4627</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>john.kraft@aciworldwide.com </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dan Ring, Vice President, Public Relations </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(781) <FONT
STYLE="white-space:nowrap">370-3694</FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">dan.ring@aciworldwide.com </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>aciw-20191105.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.12 - Release 2019.3 -->
<!-- Creation date: 11/7/2019 3:54:50 PM Eastern Time -->
<!-- Copyright (c) 2019 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:aciw="http://www.aciworldwide.com/20191105"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.aciworldwide.com/20191105"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="aciw-20191105_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="aciw-20191105_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>aciw-20191105_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.12 - Release 2019.3 -->
<!-- Creation date: 11/7/2019 3:54:50 PM Eastern Time -->
<!-- Copyright (c) 2019 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line Two</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line Two</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>aciw-20191105_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.12 - Release 2019.3 -->
<!-- Creation date: 11/7/2019 3:54:51 PM Eastern Time -->
<!-- Copyright (c) 2019 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="aciw-20191105.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_AmendmentFlag" order="22.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="23.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="25.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="26.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine2" order="32.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SecurityExchangeName" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g801750g1107114851463.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g801750g1107114851463.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" !% (D# 2(  A$! Q$!_\0
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MBGXM_P"$/\"WEY#)LOIQ]GM,'D2,/O#_ '1D_@*^23XFU\G)UO4B3U_TI_\
M&O0/CQXM_M[QI_95O)NL])!BX/#2G[Y_# 7\#7E5 &Y8:QXFU+4+>QM-7U*2
MXN)%BB073\LQP.]?:NC64NFZ)8V,]S)=36\"123R-EI&  +$^YKYT_9[\)?V
MEXCN/$5S'FWTX;(,C@S,.O\ P%<_]]"O5/B9\48_ %UI=K';)=3W3[YD8G*0
M@X)&.Y.<?0T >BT5#:74-]9PW=M()()XUDC<=&4C(/Y5-0!3U35;'1=.FU#4
MKJ.VM81EY9#@#_$^U>#^*OVBYS+);^%]/18P<"[NQDM[A!P/Q)^E<C\9_'<_
MBCQ7-IEM,1I6G2&*-%/$D@X9SZ\Y ]A[UYE0!V.H?%3QQJ;LTWB.]C#?PV["
M$#_OC%8[>+O$KMN;Q#JK'U-Y)_C5#3M.O=6OHK+3[:2YN93A(HUR37I^F_L^
M>+KR$274UC9D_P #R%F'UP,?K0!Y]_PE?B/_ *#^J?\ @9)_C77?#3XC:KHG
MCBQ?5-6O+C3KAOL]PMQ.SJH;@/@GC!P<^F:Z'_AG#Q#_ -!:P_)J/^&</$/_
M $%K#\FH ]Q^(MU/9_#K7[FUFDAF2S<I)&Q5E..H(Z5\=_\ "3:]_P!!O4O_
M  *?_&OJ[Q?97>F_!'4K*^N1<W5OI7E2S 8WL% S7Q[0!TFA>)M?'B#3?^)W
MJ/\ Q]1=;I_[P]Z^VZ^#]#_Y&#3?^OJ+_P!#%?>% !7-^//$\?A#P;J&KL1Y
MR)LMU/\ %*W"C\^?H#725\T?M">+?[1\0V_ARVDS;Z>/,GP>#,PZ?@O_ *$:
M /&II9+B>2:5R\DC%G8GDD\DT1123S)#$A>21@JJ!R2> *97J?P)\)?V_P"-
M1J=Q'NL]* F.1PTI^X/PY;\!0!]!^!O#D'@CP-9Z?(41H8C-=R'IYA&7)/H.
MGT%?)WCWQ/)XO\9:AJY)\EWV6ZG^&)>%'Y<_4FOI?XV7^H:?\,-0:P1CYS)#
M.Z]4B8X8_CPO_ J^0Z /J#X >+?[7\*2Z#<R9NM+/[O)Y:%NGY'(^F*]0UN[
M:PT'4;U?O6]K)*/JJD_TKXZ^''BIO!_C:PU,L1;%O)N1ZQ-P?RX/X5]=>*L7
M/@G6O*8,)-.GVD<YS&V* /AMF9W9V)+,<DGN:2BB@#Z2_9T\.VT/AV]\0R1J
MUU<SF"-R.5C4#./J2?R%>VUY;^S_ #)+\,8T4@M%>3*P]#P?Y$5ZE0 4444
M<G\3O^29>(O^O)Z^+*^T_B=_R3+Q%_UY/7Q90!?T/_D8--_Z^HO_ $,5]X5\
M'Z'_ ,C!IO\ U]1?^ABOO"@#(\4:];^&/#-_K-R1LM8BRJ3]]NBK^)P*^(-0
MOKC4]1N;^Z<O<7$K2R,>[$Y->Y?M%>+=\]EX5MI/ECQ<W>#W/W%/X9/XBO!*
M   DX R37V3\*?"8\(^!+.VE3;>W(^TW7'.]APOX# _ U\[?!WPE_P )5X\M
MC/'NL;#%U<9'!P?E7\6Q^ -?7] %/5M,MM9TB[TR[3?;W4312#V(Q^=?#WB#
M1;GP[X@OM(NQB:TF:,G^\.Q^A&#^-?=M?/G[17A+;+9>*K:/A\6UW@=_X&/Z
MC\!0!X'7U?\ !;Q.GBOX??V9>/ONM/7[),">6B(^0_ED?\!KY0KO?A#XM_X1
M3QY:O-)ML;W_ $6YR> &/RM^#8_#- '+>(]%G\.^([_2+E2)+69H\G^)<\'\
M1@_C677U9\6_A6OC2 :MI6R/684VD'@7"#H"?4=C7R_J>DW^C7DEIJ-I+;3H
M<,DBD&@#O?A+\2QX$U">UOT>32;P@R;.3$XXW =^.#^%?26G>/\ PKJL"RVN
MN6; CHT@4CZ@U\244 ?='_"4Z#_T&++_ +_+1_PE.@_]!BR_[_+7PO5W1]+N
M=;UBSTRT7=<74JQ(/<GK]!UH ^P_B5+'-\+?$$L3J\;V+E64Y!&.HKXOK[$\
M::7#H?P6U32[<DQ6FEF%2>IV@#-?'= %_0_^1@TW_KZB_P#0Q7WA7P?H?_(P
M:;_U]1?^ABOO"@#RCQ)\"]*\2^(K[6;C5[R.6[D\QDVA@O'0'/2LK_AF[1/^
M@U>?]^E_QKTR+Q#+)I?B"[,"AM+FGC1=WW_+0,"?3.:HZ=XU^T>)GTJ\M?(A
M>.#[/<ALJ\SQ>88CZ''(]<'N* %\!> --\ Z=<VMC+)/)<R;Y9I  QP, ?0<
M_F:ZVN&A\;W]QI@NH--CDE&D+J9B#G)_>$,@XZ[02/>M#5_%OV;>VFQ1W446
ME2ZI)(6( 0+^Z _WR&_!30!U-9GB+0K/Q-H%YH]\I-O=1[&(ZJ>H8>X.#7,K
MXQODT#4M4^U:)>?9+)K@0VEPS,&QD;N.!UJ4^+M1L;FZM[JWLK^1-/FO8QIL
MQ<YCV_(P(XW;N#SG!H X?_AF[1/^@W>?]^E_QI?^&;]$S_R&[S_OVO\ C7HW
MA[Q#+?V5U>WEWI,MI#'YAGLIRX3@E@X(&, =?T%5+'QG/<^&M:U">P^S7EA
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M2U>:VMKO4+N\:ZBN)K=2]OE5 53Z KGMUHHH QE^$NDQZ?$\=U<+KL=P+O\
MM8NQ9I]^\N8]VSGD8QT-=38:!'8^)]8UL3EY-2C@1H]@ 3R@PX/?.[]*** ,
M)/AOIR>#'T(S W+6<MD-1,0\P1O(9",9Z9/3--N_ E^WB&_U;3M?CM?MIB+Q
MRZ='/M,<80$,QR/NYHHH EU/X=Z?K&G:]:7EQ(W]JW0NTE5<-;2B-4!4YY^[
M[9!(K0/A2,IX87[6W_$A(*?(/WV(3%SSQUSWHHH S=?\"7'B+4MUWKTC::9X
:Y_LK6D9>,H0<1R_>0$@>IZ\\UVF:** /_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.19.3</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>97</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d801750d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d801750d8k.htm">d801750d8k.htm</File>
    <File>aciw-20191105.xsd</File>
    <File>aciw-20191105_lab.xml</File>
    <File>aciw-20191105_pre.xml</File>
    <File>d801750dex101.htm</File>
    <File>d801750dex991.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MMWF\81AU8\K(XK%T-8943OTJDH\ Q:X831F:3LTXXFBD(3^ G/,6+V2?$9/
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MZP^_J[#OK-N[?VQ\$=0U_+H+_0502P,$%     @ P8!G3YE<G",0!@  G"<
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M.AQG0GS/]O:1I24RS^_Y"NM./&<?5I:P7<_/Y)Z,<B.[W?98??9/1VXCUZG
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M:FA&AXF1W=AH)U.W7_X'4$L#!!0    ( ,& 9T^+;B.:5P(  "P&   4
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MP^1'D2!2-G^_P)PR DMF%.%X-H*9P <%Z^B_R+9G7L5O<JHU<Q!Z1C0JOKB
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M%YH6F1[4D\*>5&;0F-,39476&+TC=S0"/I4K(!<N<_K(I2B=F'.Y$G**<!J
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MU_J!L7?[ZE32CQKCQRU_ %!+ P04    " #!@&=/_\ F"+T   "% @  &@
M 'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QSK9)!"H,P$ "_(GE 5VWIH:BG
M7KRV_4#0U8B:A.R6ZN^;>E%!H0<O"6'#S$"2/+"3W!A-JK$4#'VG*16*V=X
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M7?S-R$=*[4%?#?_)\@M02P$"% ,4    " #!@&=/'R// \     3 @  "P
M            @ $     7W)E;',O+G)E;'-02P$"% ,4    " #!@&=/)^B'
M#H(   "Q    $               @ 'I    9&]C4')O<',O87!P+GAM;%!+
M 0(4 Q0    ( ,& 9T]PU]%3[P   "L"   1              "  9D!  !D
M;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    ( ,& 9T^97)PC$ 8  )PG   3
M              "  ;<"  !X;"]T:&5M92]T:&5M93$N>&UL4$L! A0#%
M  @ P8!G3U;0$U"H @  ^0L  !@              ( !^ @  'AL+W=O<FMS
M:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    ( ,& 9T^+;B.:5P(  "P&   4
M              "  =8+  !X;"]S:&%R9613=')I;F=S+GAM;%!+ 0(4 Q0
M   ( ,& 9T^ZH3F*UP$  #(&   -              "  5\.  !X;"]S='EL
M97,N>&UL4$L! A0#%     @ P8!G3Q9M(W]# 0  / (   \
M ( !81   'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( ,& 9T__P"8(O0
M (4"   :              "  =$1  !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN
M<F5L<U!+ 0(4 Q0    ( ,& 9T\+C]@#(0$  %<$   3              "
M <82  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     *  H @ (  !@4
!  $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>10
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d801750d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "d801750d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "aciw-20191105_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "aciw-20191105_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "aciw-20191105.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd"
     ]
    }
   },
   "elementCount": 24,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 97,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "aciw",
   "nsuri": "http://www.aciworldwide.com/20191105",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d801750d8k.htm",
      "contextRef": "duration_2019-11-05_to_2019-11-05",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d801750d8k.htm",
      "contextRef": "duration_2019-11-05_to_2019-11-05",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two",
        "terseLabel": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.aciworldwide.com//20191105/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>12
<FILENAME>0001193125-19-287277-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-19-287277-xbrl.zip
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MCC+9GN7FICOS]56]<_#G/U!+ P04    " #!@&=/SNL7'8,&  !*1P  %0
M &%C:7<M,C Q.3$Q,#5?;&%B+GAM;,V<;V_;-A#&WQ?H=[AY;S:@LF-G[1:C
M21$X21$L;8+$W88-0R%+C$U,)@U2CNUO/U)_&CFF9"H\57G15I7NGKM'^9W"
M2'+>?UC/(W@@0E+.CCO][D$'" MX2-GTN+.4GB\#2CL@8Y^%?L09.>YLB.Q\
M.'G]ZOT/G@=G%Y>?P8-9'"_DL-=;K5;=\)XRR:-EK"1E-^#S'GA>'C\:?X$_
MTG)#. U5'7@WZ+[K_M;M#Y3.+8F(+PD,#OI'W<-BGB"^%H30C\D0^OW>KST=
M!(?#M[\,WQ[ S2<X]V5,!(,QG9-B*E]L!)W.8O@I^#E1AC/.&(DBLH$+RGP6
M4#^"N[SE-W#)@BZ<1A'<ZC2INI)$/)"PFZE&E/TWU']-=*_P^A6 .HU,)ON.
M._ID9.=B/1%1EXNIZO7@L)>G=!XSUCLIJ\,DH7]T=-1+CA:C)37%*O%^[Z]/
M5W?!C,Q]3YU^]>4*LC*2#F6R_XH'R2FT:!!*(_3_O#S,T[N\_L [['?7,NR<
MZ(+9V?$G)+I26Y!X& H>D8K"^G!2O9/%QYN%BB?KF+"09,K?M'F01<T$N4]5
M-7R)I"1!=\H?>B&A"2!ZP],;WD$_Z_-'M>OKB"OJ3R<R%GX0;U>-](GB(M^9
M6#GN&))ZVVWIN%,1;&GY(LAUU.:>LY!%] *NOGJ+V$L4\_1[P>?&+K)RW'#P
M:S2)C&UJGM26'G+"O"]W^[RF0D5C@DB^% JR.E_@Q,])H@S_Y-K_ON\]UGXI
MK:H+B217=?O% /-TKI!7?^*+R)_:@ODDJ24PS:USPT$7, U"2&!^4P8M[8QE
M XT6L;3M%@/*<Q;3>#-2Q80?7:I+\OIWLK&%LR2Y)4BKK?"*(!=H*P21X$TK
M0%8"DAJ@BCACW&#K19SK]X\!]AD/EGJ&QLJ#+<_;.2UA;&R<[QYS@797!XG5
M7!BTLC.@^&T6N;3L%1/&&R(H#\]9>*9^V*E+Y9/DEO$T6^$501C &@2QR4U+
M@*H!N@@:Q VT;J39NG^\Y<,MF5*]A&;Q9W]NS;4YM]7%0XD17A[COG0PZ>&N
M'!XK@"Z!M&YHHF_#LL&Z>3R<+UG Q8*+Y*;*7:R&:,27:O&R&?&P)MU[I%J%
MW<XFMTYQ'P4+>=S)V"H(247(2H*NB30JW\&787*>;PYOE"YH1#XOYQ,BZLU-
M,:_5(3$8X.;C[O@_U<)E7:M#*H^$-7:_!H:MFL;#=>RO+T.UB*+W-+VE_AQV
M2T5:!7F?-6X1[(YXI3 N[ZH4;-?"I;]1*X91>(8?O,$X#4-E0V;_7%%&^O6&
MPBC0ZD!46>)[ MT'H504=P@R_3?Y!NA*<,VP5C:-V3 ,P#.\-#D  ]<!&+RX
M 1C8#L"@B0$8?+\!&*]X8P. 9,-Z "J]H _ 2&U>BS%?L6?A7TQ_"? ;[)C0
M?PQ# _^I9$/8ZS+ !>A"N,AC&Z@"WLX%.NS)S\S7XD;P!\J"FK=^RC1> O9E
MQDSL/XE%&P"C;D-3D-[\4 #EU7!'H1$K5?-0PP_Z4-QP&?O1WW11_VZH6>$E
M#(39E&D<MB+1AL&@VM HI)5 E<*\P]F<C:HQL/:"\EZAMBF(7P?[[9RVWBHT
M-<YWCSF]4[BC@X1O\IU?*^/0BM_GUON$ELUBX*A?^HUN9IS5O+^^F]<2EJ4&
MN/FX"YYF+21$$W%(U+'N,#;3;Q'5.DUCX/JGH'%,V(C/YTN6W;^4MLR6)+<$
M;K457A'D@G"%(!+'6078+N',<H.-%X&NVST&U'<\H@&-*9M^4NMQ0?W(EFA3
M9DLX5YC@91$N()>I(5'\* ^YOC/"3;5<Y+=6WQCPW@BB9X4H.))W+/7G<<3U
M_;W]4J)*H268+4SQ?9$N<.]318)<E8%B'4@+05+)&?>F312Q?Z:3!@;@4LHE
M$>YC8-!Y&<-0;M \$COQB(-1HMW4>*3E&IV2AAQ5SDHM6R@+'A(LU3IKTQ],
MQC2.K.^#[.:UM=@I,\#-QYT6.D8MK&5.)@Y*'1)Y]U5.(_UNK7%J-(V!ZUCX
M^O/N=YOYA%LOS9\DM02JN75N..B"J$$(B<],&5)I9S8;:+0(IFVWF-?0\W4P
M4YY)G8],F'-;OI8:C?#R&(QKZJX>]G4UKX#SD8GF^C9>7RV;QWLV>#XG8JHF
MZ*/@JWBF%BD+G]7\&'&)1*M/!ZMM\;VA[L\'*V21B,\>JN6%(*T$62FDYX,-
MVC \(+3U4MQQI;;TKX#)=M'T%Z&H/?\#4$L#!!0    ( ,& 9T^P9U)1QP0
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M]V=4G/C"TH$0U>7XHFV+\S_81KD.]U+3Q0+S0N[ZB/DPKY=BR=]02P,$%
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M: =44/(FBNG[2;P50/=)*FXX=+]5?436/X=Z=QB/]&Y7Y-LXSO("S:MS]-@
M*\IQ54KT]L!I1[\/1_CH-)$W43N$-5W5K%>,?,"C8HJ=\9F'=<(M07,SSL3:
MG,TF\9 <W9/P:I4N"\_/,S)W5#A-@5F:\PG/0XXU *.Q3&@VCEP*D%ZRTO_]
M,A3Y#K/ 8%[3,+H=/O#5H2"1E4D6Q=-!B4$=N&\6)3F[SF$L9.CDJ(<Y+J.:
MIW ">HW[Z"+\$C$!(TVC7Q)6\!X<,-LW<, XSNR=_F'_W?[9#^>!.7-B5LM5
M4F*$C5),VRT+A< VQ3;CI-L!TBZUG/*$(YY*\T"@.8[):/'MF<+DB:-3YHA'
M[WW/5H:KFL$UR4SKBY9I6R6"E =?=[ O)RV"V"JZ%$0#HZF@Y/;GXZ[0.HBZ
MJDU%GE!1%8%WX$#PR4%=_PI![):1\&^8352@SCHEVP67$MWG<"K1=7 %NBTM
M7SBD<XJORJ)\@8-#_-"@HP\_PP F(ZW16R<^,3 <&[XHIUAR/(ZM4GTJ.N&\
M\HIUU<N7!N:()7P1=45[9<YAS;(0K>Y)A(P*GCN<A/$T%S<8:U_^=JN:I]^:
M]%JU'6D[B'9(1ENSAI8XNJQH6*;]@[UV2_5?W:'V3UH5>E-F"[PI-::C7"X#
MS/316V%T"_6SNTQ>TF',+3WR7\%[]8WTV&/ASH&VN@++WE;B5;[(QM_01"[*
M+&$-_13LO F=*#B2)_9([M*1)/?*(F5QITE9K$9-6Q_OZ<+:M^:XM_%]RURP
MQ14\?+Z6)I'VO:YL;<JDA^$$E/40;!@@$Q6#<C]")]%DWNVTZVFX2BNQ7KM1
M2OJD^%_0,OT<\6U+%L]3-(U4<QC*8I'+;CY*AUC\JKZ)RK)V63=@W=NZG=H0
M5RL;/(A@45[=UD;;?')3XC9DVJS#^+Y*%+XDQ."\+J..23F=K8$LU;0!NNF%
M7G&RIA*M3H.$A945(@R3!#\-TJ1L4%9(2W UEBBQNZO%7(774T;!.,Z!)-4<
M5/: %'*\F&UXU[T[;LT)8L%C;!;1V\T@:?A6LS;)$13!&<7 *7!FKJ@\3\-)
M3@I<.-1Y3<.+&)0=G@W)&6?HK*=S:A=M2!%^CB3_$8Q37$R:D_N.AN!1PR*1
M4F/=#Z>S*!J)JM7ML+=1;]Q'F Q90Z?IA *(( 2/95^U;.3M(__7 $/?HZC-
MT%.WL?.6GTY/K"\S?=#H)/V..,/K^SB0BT_DIXI^3$I=%O+"NYM.NBG8#,C/
M?+%P?/J[R_SUWG0[CD=EF]-P E;\^ 6TE[ JF.Z8E@4Z\,D7H[5]O=>N'H;V
M,5V Y$-G7B6E#CC@0/RC7_G-._P<MFL]_N9L\EEJTDE=_R-^'I<3X,WNA>*.
M M8<C]F*"4<R[4@'8E$Y3<O<916NR1TE(Y,'4GMR8/WL_%1<PS(13X*>]X!T
M]G$4%\((DK2:=T<"AWE7Q5RSBJNG/N#79$1.YD3F9- XCJD(-1GVP-$1IFV_
M'_J__@$@KX<L-@TX-^2CF<Z[:)#9=-JMS0#363:?P[&X2N4>]JU4+MR@0_!"
MK8!^P]>!R';>EYLWWM'16"I1P7I=PP2#D1:I_H$!JS><8(:3)$Y,T?<XD]TV
M8O[^#EKC:8!Q6H87JC&F+YDX"HP3Z3W-O$Q2?P;T9!&1P$RR H.&-!%0BDV8
M9^3:GDWCT"G/0+0IJ0,W?ZF<L?L_\ZAB-QYZU7+F*\K+_9W^RZ^2?BBV\R*+
MA[AZ['41Z6<DWTFSY%/-@B^BDTG1AK':?!X\W=S6Q'U".X9&%SOEZ'R;E-;J
MXS P8<1)>U@,98T]=-:[HJ4+\674AU:9I+H=V.V"M1]<$!X#FA4IGD[T'N)Q
MXAV51"*@*E OX7KD$QGE]ZDG&VRFL<UCWG)SJ5(E,'NN+.$_>1IL;#UK7L2E
M9T#GXC=8CK9*X?L2[&)ZQ93+DE1G0Y/IC'U(=8^@8R)+$H@LNIUFMT.V9BVJ
M;$1(0WS*.=*:GK6*W;J1/- 6]<"?3S.!+Z-GDJ8-(QR9G&:A"N#C7Z)L&.=T
M&2<'Z>2KG]'W]N17\KW=,'/,VGL@=H%C1 6H""\W&OU*OBFX@)+6%1Y$.884
M179H:=FQ;')1N?I>(UW>9A+5E]V<!]_LZ-Y#B/EI6ZCO"$N;5/___KY_]J?J
M?>J=Z.QJ-Z*V.)06U&)(GHWL6@;=3D7C?\*E=@%7;O#>P_^3-5>IIR>PR+)F
MTG6E5W-JPSU$6Y^UEPY)/>[AGOK4V_^C?_*C15>=1#_DB)=19F):2 XCT,PO
M8#"1IUWIXAI8>W3M&-TDSIQZF\"FG,H5F*YXGN1@-F+V< 3[#'\[=B#</L.*
M8RKJ +IC-Q@E?.:Z4(0>IF-.^-QS&0&L%!@!<WD5'4ST0Z$YL3+$ZI8A)QI6
MRGWUE,3?-5+U^M^@7HPT%-\XKPW5B\"0@(OA4"9QA &P$;"U9$2V9)E'K&QI
MDRP=@!C@3"8L59V&]!!\.JP=)8!3E _&AZ<SX:(<^J?)NLU+.I=H/N*/YJ.3
MABM.EP!.SQ79H0%>2\Y?V'%646DF>+C)3@W/80YYX6UV=654F,4Y<<<2MR?@
M#*T)9[B3-QHCU5@$%3C&,JV>U--,8TH(M0E;@PBH/1$+@?*O="J95UFQO,:@
MMD7X/K/^BI>?&,I5EB;G8'RZ3FNPH3--CEA(] 6)D!X1P^YB/%F7!;E7<GX2
MEX;B9XXGCT,V5(%]A4#7HRCD8BM[WS@>E<,8XZZCLI@CD84E[!4L3A8)]<NH
M1A&<:_EW/@F18^)2C$%$6U\[I5B#$0TGML!AXX')F9;@X9,TS]G<INI]-)AA
M./I<8CH>+Y?DRR1>^@Y58<, (^2^$]KP28H&.V5I%^SYU2E&0M3.3F&, $-/
MM%,4.I+<SO@2A/P)YT'VAK1XFR^?;7,Z-->!\Y5]\FT> U'9RY[4+WN'*WT0
M#F!\IRAD*,V@A[M5O;(WC<# Q7HTDG%[>J60O,TK7F[4;SR)+OA*ECE\;;>S
M^?)YPWCZ.C1^8NM!]Q-@%9214%)ZHWG;\X9Y?TJSS[ =O=$_2@D:X';!TS*Q
M  ]33'08FL$L6)/=# RB F[4>91TJ9>=\&+CF5'2PFP0)E&^=O0%$13H6OQ^
M+QV-UMZ!D/YLO@/!3Q*'QO417H)4<1 A*ZF-1MNOAZ JA/GGD(?F)+X<LXE-
MMZH5N&P=1GRY#GNYCOSZV?/7_.=R]][VB[7-S8U-[=P#9G*]6[:>KKXV-[E#
M[8$ !"(99K'F%1C*\;)V[F+,&S<?\\;FQH(Q?P*A8J))5(TD4E#H=OEHNYTE
M+]_:>G'3\6X]V;;CU6/5(2RPUB_#X1R3]/+;K>;6QMK6S183[]C4=W ^T/)[
MGJZ]V-Y8W]A</*515H(U(C;4[>>%2_CRYE3RTJ62ZA"GQ,] #DWPX'8[MQ_E
MTZ=KF\\V;C)(NN.9ON-:BP^W/+W92M =S^L+0?N"\HL=_AA3((%#F:6WW:VM
MS9<W/B-;SSV:PN6P8R7NNFR/KI%5L(5+OKT1Z+<LO>')UMK+K:WK7P]3@=-^
MH^=O;6\&-R*")S")[8TGM15N95U\T]-5\RJ,F]1<;I[KL%+B*[&82L)#]0E&
MO]6J--SFQ.1(R\HRS"ODB+]4WFL#V5&B6G)$*V@S[- U<#--]7H7Z17:>8ZA
M0,%I'?$?I: $H;Y&Z::!37%T*N$=NW"EYTR'K0FM<SLJM[89V)+26G %/JB>
M'TGKC.A 84(:I,8QB7AP(U?/['::%$T[JC&M+^6.7[&]=47J5<Y\D$PX,-RD
M:$Q2F *,+MEUMYE-L),[SL1U-4^*^2G1-+%:F<XVCFJ_W C)R(F%;%*5QL;+
M:I7&?N7YC6!?:34;O@;>)>FKM>2V=85P+8]WWOZTON+M7\E7_(WR-*]7AAE@
MQG0T*YI<B%@![M%8T.YN(,<$AHGG"@]G3HG='C*,=::HJPLL[B,W%G"YD927
M55P6R\.':>:@IS2.;*X-FA!YCED2DP?I%@I@ A&.!G@S#Z?*]YK>1B^Y=:79
MC=V9S]O<F0+7P?4BG_;//JC>V=G1R6'_S\=_'!W\?GC6._G38@\:0"3T>UE*
MH25;"9TD"ANTA;4:7<:XQKA,!GN,JQU270:FDP",T\]<B;ZRX46:YB0^_:(@
MSA]!<+,49)S*T\"*>"DP)T'KEUFM#&2@[$P#4AS"=C(Y G?@, A_M,);W-XL
MBTG^YK::K?+\H?-\PM9#GL"N-!J_?[FO$8AHK@4Q_'MPZ>&."?F8(EU][5:K
M5BL<T(6E6BHB=#@FMN6Z4F,B==#F2IL'TUP<8].(^3RMC!RZT)I';4XLPB*N
M(:&2 BR+=]U^38Y,+5E;3C5Y7:_J%7BXA(JR2(637413IIL8_=4%\S7MLT8/
M9NO)_2:!B!=+3N[9_N'O"+3C5!P*!L\?_</>X8]7^+4 @\!''G"C]T!8A'"G
M^6M>9I?Q)1T6C66X4(]&?XY[M/B.:@W/"\ZS@*]7D'XBH.*8?5WPG@+T[=TT
M&1/^2QQ.Z(M#. Z$3\4>PVJN.M+D-!U)M9)-7+]-%/%.,]>O"3. !X44Z"*J
M2U/X/\."283U"C%?N=B_EF<1YS;_B%WR9>'[^HDWHJZ-.]1>">4/L%828-?H
MF55:%^JPGLZ*6,R]G8.^?M3.T<E>_V0-M,"#WO%I_Y7^1^O"5W?ID>+'_/9H
MXY':[1\<'/?V]N#(FL^GQ[U=_=G5,'D\)ZR+JM_4(T=[C8D=OPHOTW@D%^Z9
MFU_\S<[J;*_RZS:HKG^([@JK8O18UD?![G/O<7_S[G(77/EKK&ZKX;]6E4&1
M\&3)B47*R7G(R#)(A8,2M *,YW FHL&=$[+-+=V:*_T43'2JP-[3K.&/$_P#
M:>"!I.Z*I'9^0)(2[JV&90[/HTBTI@]0(,,B2Q%2A[PC&46;@;%3B"R/L'R6
MH!JS=%0.I3C*A4$8:ADBY20@A>#&L=@#A@Q)XC73:]!*L.J!7K\IO>[^@/0Z
M H4D0P,\H5B:Y[6C&J?PBHJ1YM>GZ$HF.I)G48#YC#99MT.VU&O\]H':OBFU
M[?V U,;@;D0L#$8&-F:<@$(7DZ/6I3[AA8(3.XZS*8%"IG I:WI8:RZ@J8&'
M_:^?TNT(O"D+]M&=2?;U!:3[O;7PQ6HX0@:'NJ0*!H^5-"NZ0ICJ&5MS'YL4
M87=R#P?S01-N.B^5$E-[(]>UD]?CQ%:+G$59%A=I-O>JN,FL75VHC/R$@82G
M/WD@X>',_G*FAF#&.A9'M\,&1(/%(3#N&$7!1+^"D\F6&"'+>85J8A4/1LJ#
MD?(-C)1E$BKPS1CU8,4\6#$_BQ7SE9SVA[%RVLT<BIE*=Q0"4.$ 3*Y>K(2K
M*S$C#/"_X]6FD&HM8J"#E@00%[A  I3%>QFG$^\2#5CA:\U('+::*>203^P%
M7W5PR.P=M\=Q(&LX),J!:L&9"?S.)]PT1Z@H4/] Y'6%9<9EAI]UZ8M4O@2(
MW8;I%4R/$B /Z:D"E0[+]3C-3/F,X!IV.U]#N])?A)DGCM.ILS' OOY]%''%
M9BAZY6+J-9@7N5E8[\EQXD H:&2A?):6>/:&%_&$"EZX\@@?G"]N(6/77?_&
M\L"@D :V,PL<Y4M"&4 =7ZT\_9N!9G1+UJ3>3Z^&;?)B)G7=E#OL]2(%,S<D
M< T@E:6,8.8)3QTZH]6C9#M2 @GIE],1!$=^;/?0$@UGS%G>IS"&'A>EE)Y@
MD1[=,0B3S[=.3;E;1 .WIY)>LV['#][ZB4:\C +7Z"44B:ZLT:8R;N0T ($8
M$QHM$Q^LE*YU&]DBJ(CA+\,DK@%:WKX^]$YKZM5UF&U@"=%2Y9?5M94O"YAO
MBWP"9FN= ARN+P@GY#*:I#/;+0T8&J%?I>."VH!JFR:PJ33T.ULWW.@ SBCP
MB:&4D$F&(\^$CMLX''+5#F+'P!Q!?8R')EN+@O(ZA6L489W'P IF31:PH.48
M@5JHL07NU>>HT.@TQ(;I$L(AP[ ^HD+$^$EG CEM,BD] 6']I4]/.*$&K($M
ME\D-&A>7^#G5_Y2H(RW23+4<_$U4*%Q8VJ5I<Y",1+$&D93QM+-RDX.$Q%9>
M["C"E";,",K+N*#$'VT:,I2%69I&._-^"+Q=FV@@;N$&+1K$(@W*[<3%9!SF
M4K5)&<>8X/?*9D13O724GF?A#"0:9G>%*_FJ5M-"!4HX%E\ UX9%M]U.-+UI
M<B$3G'O' 4D&Q*3%:'?!AH :1T$%@0B3+KCJEHGH(AP)>([7:V@EBIGTF==1
MHM,,-S6'2:^VU.]+1RG2)RJX^0TN:G%?+\#D<*!';&JU5;@P\0ISFXU%J/4G
M)V-+5A9/ 3 $A"?6@%;^+OAGW&:P#U+,0R,]VRZB7C/,-)(*5F_INYUOMZK5
M9@1?MZ@_+[+NLY_<T?K5&=M?Q0@7<\)][*IFN=<_RE$LMJV#@N74C(,JS%91
M1-#83H*MDVO-E0TW8:H&UHN  1WX2 T_9YYN!\.#IB$1=IH[X-0?JEP;EK"D
M(8(U2:T()0"/I"N!$T2CP\6E7L &)F#N%1<F25TND[.GFT##'\9<1'Y,.%$@
MN.]#&[Y<9DE[<[U*U<J6PS@J:"FH*[>$#!?86$J[K/G;DGUYCENM_COU\Q(C
M=@6Q>UES<FO>+_D',G!ID3/7A+;F"OWFN_W$V)4N@EI1QP>@$D3LV-'D@;:-
M"M^LP:_HCE!@(4IS^?ZZVLG*),67?!S^'4RD2&!/_B.<SE[KH:SZC7P8WL+6
M' 3*K_*W1J5CD3>E4M+\[.06SDTU3@WSLV5N]V+ ?5E(L']J:OL<13/J-\B&
M[% R:H<NCA50Y&*SWQ6=!GO:]!TTY(TE;),4O0J@^2=Q?D%?Y1%O&.KWZ(>^
M#$$[1AZ%U6,YDV^1(>P--YIBA DGZ]>ZXRC?/!I>)%05'R>$9=C0<U-OH7%U
MXQ>7P+$(Z\2F)3?XM$*!G(R(?B[2*P_>&>LNI!\+<2YG".OJE-HYN@-W1^@9
MQ\U@&PV67IG$_RPC"D>)B>183(ZI@)^FH+*E(P$,-YENM%S8LC10&N0@\"P]
M<ZF86F04:O"+;L<87?9^F"0V>7$[XIF?V,0'2BN' I_A/("W0-!HR-QQERAP
M%%&^@DH#T(MD?IC$.:JGTN=PZ>7N!MC!FAE[VX?'1:O$*.<::FQP!_.V7;:*
M,Y (\&:2J%<9I5CCYL7 FTC0IFP(4W\^!!NQ%C0A[0FLC+D\%B<GG"3B/=-H
MFDI["?U"Y$+QQ';H<)M<(H,S;2D1_22#OW,JGYQ%Q'I4!%-*I_&PV\$*E8A-
M8113@XC;A+$5R^ Y;-F&.;8%@0'2:1Y0J'1&W1$1!F0@%C-ZWU,L-P5=I"!4
M,GF3<EZ$AU6X!X*I,&<0OQXW.:-WZ"Z(5G<AN*Q*\1>,3B\=VSG(5H9S@__M
M[1>] K]&Q[4E%D%5!6$;R;2*:JL36ZW&E@J61&DZDU+=ZNL,?)O%[Z\8*J;)
M"'L)(^SV'N>VDV6=UVE.X;'0>_$;M$LBIZ,0RV8V*1;G5NDFK-R4(O6)&K:6
M2JI,ZQ,&1M-;)3W@O1L6,WWFO&D6PX)H7Q-OP\PT09\[WB=67<EZ1>]!%HWQ
M^ ;2G >6*S#F,!Z_<#+_5\0:PYB+H%AUT$V$8M#M&&;3H11D= TM;UZ@P*_;
M E3Z03*9\5,-5<O#T>F'ASE/94$UF(W7#9*;)6*9F"D/Y(IT<GU+M,8YC@9F
M:YCF'F*8U'^/(T]&Z)9@N!>DXI-.$F$9-A6R8^I%$7XF5ID!@[L4>?*85HPJ
MT@Q,H-[H^R'TQ48"4CH"@6$HB'=A5K7HGJ]\7M*DBA$>Q<=DRH!)EO#7QJ2R
MY(U=BUUP. :&XXH[M.T(#8U]/[8"--<DB+R7UI<;METR*^/-BZ?H)([$K:O%
M#?8O2@JMQY'VB+R8NUMA]>&(W3/GYX1M&2AQW2!'9063XG"3N=/*-P],:]D+
M=.*U=D>U0Y'+6"EI+486MMS$/<G9JX\X>:38OTT,(//J,P6-S;K&')@3KHZ5
MMNRLQZ+E)L8T,)1% ] Z"0."ZOV8.[M!E0S.9EB(.-.,S.UGZSK=O)..[;QP
MCPC@6XSQZHJQMWWQ=LH^77=7]5*UI]AR,=#/Z%1[_BLYU6X(F=NLX0PB:N8[
M*(N"NOFBX5Y.'0\4:7=YVDZ%M9-/LN$V)S_WC_ZZ^GV&)P_;KB"0=4737-@2
M<!$_]4]P[GB$W$9<HVB"V5PUI<<QPYF9.QW.U2@=E@R4,!;#.J8^\XR[RWF-
MI(!K*TWKR$:FCL!D L8UY )\H$P@DFZ'&7VN0VQZZF@1@Y(#IG!@]"71_UGV
M\%@H?X->3B8UZ1^TE!29*X1?DEZ@JBJ;FW6B0XFHA$A]O#BN3&7\/:D"[;I
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MJ7<D*=B UWBUOG6KG&MSG98E@<E:U.F(>J)2L<[R63?LI,=1*_9SSJ(,E6T
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M_08.W<Y?IX.#NE$#AV[GK]/!0=VL@0,PLK]*!X=JG\*V!@Z(:?87ZN"@KM_
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MENI/Z9A<TD;HS>.=H[T_X<L/9Q\/WOXO4$L#!!0    ( ,& 9T_%GMNDX@X
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MIU)-@"9>:U\#)$V'/YC]R>RVW-/D-<-TRF\,%$;(//%#MLH,Z[52,B!3Z!W
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M%4X./^)+_O>)_P502P$"% ,4    " #!@&=/L<C*?&4#   S#   $0
M        @ $     86-I=RTR,#$Y,3$P-2YX<V102P$"% ,4    " #!@&=/
MSNL7'8,&  !*1P  %0              @ &4 P  86-I=RTR,#$Y,3$P-5]L
M86(N>&UL4$L! A0#%     @ P8!G3[!G4E''!   V"P  !4
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+ '\!   &?0     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>d801750d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="aciw-20191105.xsd" xlink:type="simple"/>
    <context id="duration_2019-11-05_to_2019-11-05">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000935036</identifier>
        </entity>
        <period>
            <startDate>2019-11-05</startDate>
            <endDate>2019-11-05</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="duration_2019-11-05_to_2019-11-05">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2019-11-05_to_2019-11-05"
      id="Hidden_dei_EntityCentralIndexKey">0000935036</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2019-11-05_to_2019-11-05">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2019-11-05_to_2019-11-05">2019-11-05</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="duration_2019-11-05_to_2019-11-05">ACI WORLDWIDE, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2019-11-05_to_2019-11-05">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2019-11-05_to_2019-11-05">0-25346</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2019-11-05_to_2019-11-05">47-0772104</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2019-11-05_to_2019-11-05">3520 Kraft Rd</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2 contextRef="duration_2019-11-05_to_2019-11-05">Suite 300</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown contextRef="duration_2019-11-05_to_2019-11-05">Naples</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2019-11-05_to_2019-11-05">FL</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2019-11-05_to_2019-11-05">34105</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2019-11-05_to_2019-11-05">(239)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2019-11-05_to_2019-11-05">403-4600</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2019-11-05_to_2019-11-05">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2019-11-05_to_2019-11-05">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2019-11-05_to_2019-11-05">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2019-11-05_to_2019-11-05">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2019-11-05_to_2019-11-05">Common Stock, $0.005 par value</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2019-11-05_to_2019-11-05">ACIW</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2019-11-05_to_2019-11-05">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2019-11-05_to_2019-11-05">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.19.3</span><table class="report" border="0" cellspacing="2" id="idp6627216944">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Nov. 05, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000935036<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov.  05,  2019<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">ACI WORLDWIDE, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-25346<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">47-0772104<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">3520 Kraft Rd<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 300<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Naples<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">FL<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">34105<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(239)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">403-4600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.005 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">ACIW<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
