ACI Worldwide is a company that develops, markets, installs, and supports software products for digital payments. It operates through three segments: Banks, Merchants, and Billers. The Banks segment offers payment solutions to large and mid-size banks for retail banking, real-time, digital, and other payment services. The Merchants segment provides merchants with an omni-channel payment platform. The Billers segment delivers electronic bill presentment and payment services to companies operating in the consumer, finance, insurance, healthcare, higher education, utility, government, and mortgage categories.