10-K

Large accelerated filer

Accelerated filer

Non-accelerated filer

Smaller reporting company

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Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2015	Feb. 22, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	FY
Trading Symbol	ACIW
Entity Registrant Name	ACI WORLDWIDE, INC.
Entity Central Index Key	0000935036
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		119,073,873
Entity Public Float			$ 2,835,839,744

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CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Current assets
Cash and cash equivalents	$ 102,239	$ 77,301
Receivables, net of allowances of $5,045 and $4,806, respectively	219,116	227,106
Recoverable income taxes	12,048	4,781
Prepaid expenses	27,461	24,314
Other current assets	27,220	40,417
Total current assets	388,084	373,919
Noncurrent assets
Property and equipment, net	60,630	60,360
Software, net	237,941	209,507
Goodwill	913,261	781,163
Intangible assets, net	256,925	261,436
Deferred income taxes, net	90,872	94,536
Other noncurrent assets, including $33,824 for assets at fair value at December 31, 2014	42,499	69,779
TOTAL ASSETS	1,990,212	1,850,700
Current liabilities
Accounts payable	55,420	50,351
Employee compensation	31,213	35,299
Current portion of long-term debt	95,293	87,352
Deferred revenue	128,559	131,808
Income taxes payable	4,734	6,276
Other current liabilities	75,225	67,505
Total current liabilities	390,444	378,591
Noncurrent liabilities
Deferred revenue	42,081	49,224
Long-term debt	843,290	804,583
Deferred income taxes, net	28,067	13,442
Other noncurrent liabilities	31,930	23,455
Total liabilities	$ 1,335,812	$ 1,269,295
Commitments and contingencies (Note 14)
Stockholders' equity
Preferred stock; $0.01 par value; 5,000,000 shares authorized; no shares issued at December 31, 2015 and 2014
Common stock; $0.005 par value; 280,000,000 shares authorized; 140,525,055 and 139,820,388 shares issued at December 31, 2015 and 2014, respectively	$ 702	$ 698
Additional paid-in capital	561,379	551,713
Retained earnings	416,851	331,415
Treasury stock, at cost, 21,491,285 and 24,182,584 shares at December 31, 2015 and 2014, respectively	(252,956)	(282,538)
Accumulated other comprehensive loss	(71,576)	(19,883)
Total stockholders' equity	654,400	581,405
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,990,212	$ 1,850,700

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CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Receivables, allowances	$ 5,045	$ 4,806
Other noncurrent assets at fair value		$ 33,824
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.005	$ 0.005
Common stock, shares authorized	280,000,000	280,000,000
Common stock, shares issued	140,525,055	139,820,388
Treasury stock, shares	21,491,285	24,182,584

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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Revenues

License

$ 94,230

$ 50,237

$ 67,161

$ 39,577

$ 80,425

$ 57,653

$ 61,377

$ 35,702

$ 251,205

$ 235,157

$ 233,931

Maintenance

63,000

59,262

60,141

59,492

67,421

63,764

62,309

62,499

241,895

255,993

245,954

Services

34,371

25,842

23,110

23,497

29,811

28,194

24,991

22,588

106,820

105,584

122,085

Hosting

117,036

103,360

115,410

110,251

112,567

100,033

106,131

100,684

446,057

419,415

262,958

Total revenues

308,637

238,701

265,822

232,817

290,224

249,644

254,808

221,473

1,045,977

1,016,149

864,928

Operating expenses

Cost of license

^[1]

5,810

5,387

5,939

6,109

6,499

5,433

6,897

5,736

23,245

24,565

25,324

Cost of maintenance, services and hosting

^[1]

111,285

104,272

120,484

113,013

104,390

105,319

112,595

107,887

449,054

430,191

318,515

Research and development

33,285

36,123

39,425

37,091

31,554

36,321

38,876

37,456

145,924

144,207

142,557

Selling and marketing

40,747

28,451

31,298

28,911

29,053

27,078

28,007

27,909

129,407

112,047

99,828

General and administrative

20,552

20,284

25,008

21,575

19,938

25,329

24,682

25,116

87,419

95,065

99,300

Depreciation and amortization

22,985

20,298

20,004

19,693

19,519

18,295

17,010

17,078

82,980

71,902

56,356

Total operating expenses

234,664

214,815

242,158

226,392

210,953

217,775

228,067

221,182

918,029

877,977

741,880

Operating income

73,973

23,886

23,664

6,425

79,271

31,869

26,741

291

127,948

138,172

123,048

Other income (expense)

Interest expense

(10,198)

(9,728)

(10,505)

(10,941)

(10,818)

(10,416)

(9,329)

(9,175)

(41,372)

(39,738)

(27,221)

Interest income

132

102

143

135

199

386

575

659

Other, net

(1,284)

4,314

19,659

3,722

1,104

3,614

(3,901)

(1,057)

26,411

(240)

(3,327)

Total other income (expense)

(11,350)

(5,320)

9,212

(7,117)

(9,571)

(6,704)

(13,095)

(10,033)

(14,575)

(39,403)

(29,889)

Income before income taxes

62,623

18,566

32,876

(692)

69,700

25,165

13,646

(9,742)

113,373

98,769

93,159

Income tax expense

18,856

3,786

5,825

(530)

23,334

9,433

2,409

(3,967)

27,937

31,209

29,291

Net income

$ 43,767

$ 14,780

$ 27,051

$ (162)

$ 46,366

$ 15,732

$ 11,237

$ (5,775)

$ 85,436

$ 67,560

$ 63,868

Earnings per common share

Basic

$ 0.37

$ 0.13

$ 0.23

$ 0.00

$ 0.40

$ 0.14

$ 0.10

$ (0.05)

$ 0.73

$ 0.59

$ 0.54

Diluted

$ 0.36

$ 0.12

$ 0.23

$ 0.00

$ 0.40

$ 0.14

$ 0.10

$ (0.05)

$ 0.72

$ 0.58

$ 0.53

Weighted average common shares outstanding

Basic

117,465

114,798

117,885

Diluted

118,919

116,771

120,054

[1]	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net income	$ 85,436	$ 67,560	$ 63,868
Other comprehensive income (loss):
Unrealized gain on available-for-sale securities	1,488	22,977
Reclassification of unrealized gain to a realized gain on available-for-sale securities	(24,465)
Foreign currency translation adjustments	(28,716)	(19,545)	(9,284)
Total other comprehensive income (loss):	(51,693)	3,432	(9,284)
Comprehensive income	$ 33,743	$ 70,992	$ 54,584

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

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CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income (Loss)
Beginning Balance at Dec. 31, 2012	$ 534,357	$ 698	$ 534,487	$ 199,987	$ (186,784)	$ (14,031)
Net income	63,868			63,868
Other comprehensive (loss) income	(9,284)					(9,284)
Stock-based compensation	13,572		13,572
Shares issued and forfeited, net, under stock plans including income tax benefits	28,315		(5,362)		33,677
Repurchase of common stock	(80,912)				(80,912)
Repurchase of restricted stock and performance shares for tax withholdings	(6,222)				(6,222)
Ending Balance at Dec. 31, 2013	543,694	698	542,697	263,855	(240,241)	(23,315)
Net income	67,560			67,560
Other comprehensive (loss) income	3,432					3,432
Stock-based compensation	11,045		11,045
Shares issued and forfeited, net, under stock plans including income tax benefits	30,794		(2,029)		32,823
Repurchase of common stock	(70,000)				(70,000)
Repurchase of restricted stock and performance shares for tax withholdings	(5,120)				(5,120)
Ending Balance at Dec. 31, 2014	581,405	698	551,713	331,415	(282,538)	(19,883)
Net income	85,436			85,436
Other comprehensive (loss) income	(51,693)					(51,693)
Stock-based compensation	18,380		18,380
Shares issued and forfeited, net, under stock plans including income tax benefits	20,142		(14,089)		34,231
Repurchase of restricted stock and performance shares for tax withholdings	(4,649)				(4,649)
Ending Balance at Dec. 31, 2015	654,400	702	561,379	$ 416,851	$ (252,956)	$ (71,576)
Issuance of 476,750 shares under stock plan portion of PAY.ON acquisition agreement		3	(3)
Issuance of 227,917 shares of common stock for acquisition of PAY.ON	$ 5,379	$ 1	$ 5,378

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CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical)	12 Months Ended
	Dec. 31, 2015 shares
Issuance of shares of common stock for acquisition of PAY.ON	227,917
Repurchase of common stock, shares	0
PAY.ON Restricted Share Awards
Issuance of shares under stock plan portion of PAY.ON acquisition agreement	476,750

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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 85,436	$ 67,560	$ 63,868
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation	21,656	20,506	18,751
Amortization	75,775	66,177	51,216
Amortization of deferred debt issuance costs	6,244	5,877	5,388
Deferred income taxes	19,328	8,437	9,573
Stock-based compensation expense	18,380	11,045	13,572
Excess tax benefit of stock compensation	(4,923)	(11,807)	(6,960)
Gain on available for sale securities	(24,465)
Other	2,725	1,852	(593)
Changes in operating assets and liabilities, net of impact of acquisitions:
Receivables	(11,355)	(30,643)	22,496
Accounts payable	8,557	(3,422)	(13,548)
Accrued employee compensation	(1,998)	(6,360)	(24,501)
Current income taxes	(8,244)	10,968	9,360
Deferred revenue	(4,513)	15,738	(23,613)
Other current and noncurrent assets and liabilities	468	(6,902)	13,409
Net cash flows from operating activities	183,071	149,026	138,418
Cash flows from investing activities:
Purchases of property and equipment	(27,283)	(17,627)	(21,104)
Purchases of software and distribution rights	(21,622)	(17,273)	(11,497)
Proceeds from available-for-sale securities	35,311
Acquisition of businesses, net of cash acquired	(179,367)	(204,290)	(378,113)
Other	(7,000)	(1,500)
Net cash flows from investing activities	(199,961)	(240,690)	(410,714)
Cash flows from financing activities:
Proceeds from issuance of common stock	3,104	2,780	2,186
Proceeds from exercises of stock options	12,175	16,461	19,561
Excess tax benefit of stock compensation	4,923	11,807	6,960
Repurchases of common stock		(70,000)	(80,912)
Repurchase of restricted stock and performance shares for tax withholdings	(4,649)	(5,120)	(6,222)
Proceeds from revolving credit facility	298,000	169,500	40,000
Proceeds from term portion of credit agreement		150,000	300,000
Proceeds from issuance of senior notes			300,000
Repayments of revolving credit facility	(164,000)	(125,500)	(228,000)
Repayment of term portion of credit agreement	(87,352)	(57,449)	(30,867)
Payments on other debt and capital leases	(12,638)	(8,344)	(14,024)
Payment for debt issuance costs		(4,662)	(17,042)
Distribution to noncontrolling interest		(1,391)
Net cash flows from financing activities	49,563	78,082	291,640
Effect of exchange rate fluctuations on cash	(7,735)	(4,176)	(614)
Net increase (decrease) in cash and cash equivalents	24,938	(17,758)	18,730
Cash and cash equivalents, beginning of period	77,301	95,059	76,329
Cash and cash equivalents, end of period	102,239	77,301	95,059
Supplemental cash flow information
Income taxes paid, net	24,036	23,082	20,191
Interest paid	$ 35,183	$ 33,269	$ 14,598

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Nature of Business and Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Nature of Business and Summary of Significant Accounting Policies

1.	Nature of Business and Summary of Significant Accounting Policies

Nature of Business

ACI Worldwide, Inc., a Delaware corporation, and its subsidiaries (collectively referred to as “ACI” or the “Company”), develop, market, install, and support a broad line of software products and services primarily focused on facilitating electronic payments. In addition to its own products, the Company distributes, or acts as a sales agent for software developed by third parties. These products and services are used principally by financial institutions, retailers, and electronic-payment processors, both in domestic and international markets.

Consolidated Financial Statements

The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Recently acquired subsidiaries that are included in the Company’s consolidated financial statements as of the date of their acquisition include: PAY.ON AG and its subsidiaries (collectively, “PAY.ON”) acquired during the year ended December 31, 2015, Retail Decisions Europe Limited (“ReD Europe”) and all its subsidiaries and Retail Decisions, Inc. (“ReD, Inc.”) (collectively “ReD”) acquired during the year ended December 31, 2014, Official Payments Holdings, Inc. (“OPAY”), Online Resources Corporation (“ORCC”), and Profesionales en Transacciones Electonicas S.A. (“PTESA”) acquired during the year ended December 31, 2013. All intercompany balances and transactions have been eliminated.

Capital Stock

The Company’s outstanding capital stock consists of a single class of common stock. Each share of common stock is entitled to one vote upon each matter subject to a stockholders vote and to dividends if and when declared by the Board of Directors.

Noncontrolling Interest

On April 10, 2014, the Company dissolved its partnership based in South Africa with Cornastone Technology Investments (Proprietary) Limited (“CTI”). As a result, the Company paid CTI approximately $1.5 million during the year-ended December 31, 2014 for CTI’s noncontrolling interest and loan balance.

Use of Estimates

The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Revenue Recognition, Receivables and Deferred Revenue

License. The Company recognizes license revenue in accordance with ASC 985-605, Revenue Recognition: Software. For software license arrangements for which services rendered are primarily related to installation of core software and are not considered essential to the functionality of the software, the Company recognizes revenue upon delivery, provided (i) there is persuasive evidence of an arrangement, (ii) collection of the fee is considered probable and (iii) the fee is fixed or determinable. In most arrangements, vendor-specific objective evidence (“VSOE”) of fair value does not exist for the license element; therefore, the Company uses the residual method under ASC 985-605 to determine the amount of revenue to be allocated to the license element. Under ASC 985-605, the fair value of all undelivered elements, such as post contract customer support (maintenance or “PCS”) or other products or services, is deferred and subsequently recognized as the products are delivered or the services are performed, with the residual difference between the total arrangement fee and revenues allocated to undelivered elements being allocated to the delivered element.

When a software license arrangement includes services to provide significant modification or customization of software, those services are considered essential to the functionality of the software and are not separable from the software. These arrangements are accounted for in accordance with ASC 605-35, Revenue Recognition: Construction-Type and Production-Type Contracts, generally referred to as contract accounting. Under contract accounting, the Company generally uses the percentage-of-completion method. For those contracts subject to percentage-of-completion contract accounting, estimates of total revenue and profitability under the contract consider amounts due under extended payment terms. The Company recognizes revenue under these arrangements based on the lesser of payments that become due or the revenue calculated under the percentage-of-completion method. Under the percentage-of-completion method, the Company records revenue for the license and services over the development and implementation period, with the percentage of completion generally measured by the percentage of labor hours incurred to-date to estimated total labor hours for each contract. In the event project profitability is assured and estimable within a range, percentage-of-completion revenue recognition is computed using the lowest level of profitability in the range. If it is determined that a loss will result from the performance of a contract, the entire amount of the loss is recognized in the period in which it is determined that a loss will result.

For software license arrangements in which a significant portion of the fee is due more than 12 months after delivery or when payment terms are significantly beyond the Company’s standard business practice, the license is deemed not to be fixed or determinable. For software license arrangements in which the fee is not considered fixed or determinable, the license is recognized as revenue as payments become due and payable, provided all other conditions for revenue recognition have been met. For software license arrangements in which the Company has concluded that collection of the fees is not probable, revenue is recognized as cash is collected, provided all other conditions for revenue recognition have been met. In making the determination of collectability, the Company considers the creditworthiness of the customer, economic conditions in the customer’s industry and geographic location, and general economic conditions.

ASC 985-605 requires the seller of software that includes PCS to establish VSOE of fair value of the undelivered element of the contract in order to account separately for the PCS revenue. The Company has traditionally established VSOE of the fair value of PCS by reference to stated renewals, expressed in dollar terms, or separate sales with consistent pricing of PCS expressed in percentage terms. In determining whether a stated renewal is not substantive, the Company considers factors such as whether the period of the initial PCS term is relatively long when compared to the term of the software license or whether the PCS renewal rate is significantly below the Company’s normal pricing practices. In determining whether PCS pricing is consistent, the Company considers the population of separate sales that are within a reasonably narrow range of the median within the identified market segment over the trailing 12 month period.

For those software license arrangements that include customer-specific acceptance provisions, such provisions are generally presumed to be substantive and the Company does not recognize revenue until the earlier of the receipt of a written customer acceptance, objective demonstration that the delivered product meets the customer-specific acceptance criteria or the expiration of the acceptance period. The Company recognizes revenues on such arrangements upon the earlier of receipt of written acceptance or the first production use of the software by the customer. In the absence of customer-specific acceptance provisions, software license arrangements generally grant customers a right of refund or replacement only if the licensed software does not perform in accordance with its published specifications. If the Company’s product history supports an assessment by management that the likelihood of non-acceptance is remote, the Company recognizes revenue when all other criteria of revenue recognition are met.

For software license arrangements in which the Company acts as a sales agent for another company’s products, revenues are recorded on a net basis. These include arrangements in which the Company does not take title to the products, is not responsible for providing the product or service, earns a fixed commission, or assumes credit risk only to the extent of its commission. For software license arrangements in which the Company acts as a distributor of another company’s product, and in certain circumstances, modifies or enhances the product, revenues are recorded on a gross basis. These include arrangements in which the Company takes title to the products and is responsible for providing the product or service.

For software license arrangements in which the Company utilizes a third-party distributor or sales agent, the Company recognizes revenue on a sell-in basis when business practices and operating history indicate that there is no risk of returns, rebates, or credits and there are no other risks related to the distributor or sales agents’ ability to honor payment or distribution commitments. For other arrangements in which any of the above factors indicate that there are risks of returns, rebates, or credits or any other risks related to the distributors’ or sales agents’ ability to honor payment or distribution commitments, the Company recognizes revenue on a sell-through basis.

For software license arrangements in which the Company permits the customer to receive unspecified future software products during the software license term, the Company recognizes revenue ratably over the license term, provided all other revenue recognition criteria have been met. For software license arrangements in which the Company grants the customer a right to exchange the original software product for specified future software products with more than minimal differences in features, functionality, and/or price, during the license term, revenue is recognized upon the earlier of delivery of the additional software products or at the time the exchange right lapses. For customers granted a right to exchange the original software product for specified future software products where the Company has determined price, feature, and functionality differences are minimal, the exchange right is accounted for as a like-kind exchange and revenue is recognized upon delivery of the currently licensed product. For software license arrangements in which the customer is charged variable license fees based on usage of the product, the Company recognizes revenue as usage occurs over the term of the licenses, provided all other revenue recognition criteria have been met.

Certain of the Company’s software license arrangements include PCS terms that fail to achieve VSOE of fair value due to non-substantive renewal periods, or contain a range of possible non-substantive PCS renewal amounts. For these arrangements, VSOE of fair value of PCS does not exist and revenues for the software license, PCS and services, if applicable, are considered to be one accounting unit and are therefore recognized ratably over the longer of the contractual service term or PCS term once the delivery of both services has commenced. The Company typically classifies revenues associated with these arrangements in accordance with the contractually specified amounts, which approximate fair value assigned to the various elements, including software license, maintenance and services, if applicable.

This allocation methodology has been applied to the following amounts included in revenues in the consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element (in thousands):


	Years Ended December 31,
	2015		2014		2013
License	$	7,797	$	22,211	$	22,190
Maintenance		3,801		7,699		9,649
Services		321		13		10

Total	$	11,919	$	29,923	$	31,849

Maintenance. The Company typically enters into multi-year time-based software license arrangements that vary in length but are generally five years. These arrangements include an initial (bundled) PCS term of one year with subsequent renewals for additional years within the initial license period. The Company establishes VSOE of the fair value of PCS by reference to stated renewals for all identified market segments. For arrangements in which the Company looks to substantive renewal rates to evidence VSOE of fair value of PCS and in which the PCS renewal rate and term are substantive, VSOE of fair value of PCS is determined by reference to the stated renewal rate. For these arrangements, PCS revenues are recognized ratably over the PCS term specified in the contract. In arrangements where VSOE of fair value of PCS cannot be determined (for example, a time-based software license with a duration of one year or less or when the range of possible PCS renewal amounts is not sufficiently narrow or is significantly below the Company’s normal pricing practices), the Company recognizes revenue for the entire arrangement ratably over the longer of the initial PCS term or the Services term (if any).

For those arrangements that meet the criteria to be accounted for under contract accounting, the Company determines whether VSOE of fair value exists for the PCS element. For those arrangements in which VSOE of fair value exists for the PCS element, PCS is accounted for separately and the balance of the arrangement is accounted for under ASC 985-605. For those arrangements in which VSOE of fair value does not exist for the PCS element all revenue is deferred until such time as the services are complete. Once services are complete, revenue is then recognized ratably over the remaining PCS period.

Services. The Company provides various professional services to customers, primarily project management, software implementation and software modification services. Revenues from arrangements to provide professional services are generally recognized as the related services are performed.

For those arrangements in which services revenue is deferred and the Company determines that the direct costs of services are recoverable, such costs are deferred and subsequently expensed in proportion to the related services revenue as it is recognized. For those arrangements that are accounted for under contract accounting, the Company accumulates and defers all direct and indirect costs allocable to the arrangement. For those arrangements that are not accounted for under contract accounting, the Company accumulates and defers all direct and incremental costs attributable to the arrangement.

Hosting. In accordance with ASC 605-25, Revenue Recognition – Multiple-Element Arrangements, a multiple-deliverable arrangement is separated into more than one unit of accounting if the delivered item(s) has value to the customer on a standalone basis, and if the arrangement includes a general right of return relative to the delivered item(s), delivery or performance of undelivered item(s) is considered probable and substantially in the control of the Company. If these criteria are not met, the arrangement is accounted for as a single unit of accounting which would result in revenue being recognized ratably over the contract term or being deferred until the earlier of when such criteria are met or when the last undelivered element is delivered. If these criteria are met for each, the arrangement consideration is allocated to the separate units of accounting based on each unit’s relative selling price. The selling price for each element is based upon the following selling price hierarchy: VSOE if available, third party evidence (“TPE”) if VSOE is not available, or estimated selling price if neither VSOE nor TPE is available.

The Company enters into hosting-related arrangements that may consist of multiple service deliverables including initial implementation and setup services, on-going support services, and other services. The Company’s hosted products operate in a highly regulated and controlled environment which requires a highly specialized and unique set of initial implementation and setup services prior to the commencement of hosting-related services. Due to the essential and specialized nature of the implementation and setup services, these services do not qualify as separate units of accounting separate from the hosting service as the delivered services do not have value to the customer on a stand-alone basis. The on-going support and other services are considered as separate units of accounting as are add-on products that do not impact the availability of functionality currently in use. The total arrangement consideration is allocated to each of the separate units of accounting based on their relative selling price and revenue is recognized over their respective service periods.

Hosting revenue also includes fees paid by our clients as a part of the acquired electronic bill presentment and payment products. Fees may be paid by our clients or directly by their customers and may be a percentage of the underlying transaction amount, a fixed fee per executed transaction or a monthly fee for each customer enrolled. Hosting costs include payment card interchange fees, assessments payable to banks and payment card processing fees.

Multiple Arrangements. The Company may execute more than one contract or agreement with a single customer. The separate contracts or agreements may be viewed as one multiple-element arrangement or separate agreements for revenue recognition purposes. The Company evaluates whether the agreements were negotiated as part of a single project, whether the products or services are interrelated or interdependent, whether fees in one arrangement are tied to performance in another arrangement, and whether elements in one arrangement are essential to the functionality in another arrangement in order to reach appropriate conclusions regarding whether such arrangements are related or separate. The conclusions reached can impact the timing of revenue recognition related to those arrangements.

Deferred Revenue. Deferred revenue includes amounts currently due and payable from customers, and payments received from customers, for software licenses, maintenance, hosting and/or services in advance of recording the related revenue.

Receivables and Concentration of Credit Risk. Receivables represent amounts billed and amounts earned that are to be billed in the near future. Included in accrued receivables are services and software hosting revenues earned in the current period but billed in the following period as well as license revenues that are determined to be fixed and determinable but billed in future periods.


	December 31,
	2015			2014
Billed Receivables	$	192,045		$	200,392
Allowance for doubtful accounts		(5,045	)		(4,806	)

Billed, net		187,000			195,586
Accrued Receivables		32,116			31,520

Receivables, net	$	219,116		$	227,106

No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2015 or 2014.

The Company maintains a general allowance for doubtful accounts based on historical experience, along with additional customer -specific allowances. The Company regularly monitors credit risk exposures in accounts receivable. In estimating the necessary level of our allowance for doubtful accounts, management considers the aging of accounts receivable, the creditworthiness of customers, economic conditions within the customer’s industry, and general economic conditions, among other factors.

The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands):


	Years Ended December 31,
	2015			2014			2013
Balance, beginning of period	$	(4,806	)	$	(4,459	)	$	(8,117	)
Provision (increase) decrease		(2,425	)		(1,049	)		1,161
Amounts written off, net of recoveries		2,088			1,053			2,296
Foreign currency translation adjustments and other		98			(351	)		201

Balance, end of period	$	(5,045	)	$	(4,806	)	$	(4,459	)

Provision (increases) decreases recorded in general and administrative expenses during the years ended December 31, 2015, 2014, 2013, reflect increases (decreases) in the allowance for doubtful accounts based upon collection experience in the geographic regions in which the Company conducts business, net of collection of customer-specific receivables which were previously reserved for as doubtful of collection.

Cash and Cash Equivalents

The Company considers all highly liquid investments with original maturities of three months or less to be cash equivalents. The Company’s cash and cash equivalents includes holdings in checking, savings, money market and overnight sweep accounts, all of which have daily maturities, as well as time deposits with maturities of three months or less at the date of purchase. The carrying amounts of cash and cash equivalents on the consolidated balance sheets approximate fair value.

Other Current Assets and Other Current Liabilities


	December 31,
	2015		2014
Settlement deposits	$	5,357	$	13,252
Settlement receivables		7,961		11,032
Current debt issuance costs		5,583		6,244
Other		8,319		9,889

Total other current assets	$	27,220	$	40,417


	December 31,
	2015		2014
Settlement payables	$	11,250	$	21,715
Accrued interest		7,501		7,256
Vendor financed licenses		15,723		7,340
Royalties payable		4,910		4,070
Other		35,841		27,124

Total other current liabilities	$	75,225	$	67,505

Individuals and businesses settle their obligations to the Company’s various Clients, primarily utility and other public sector Clients, using credit or debit cards or via ACH payments. The Company creates a receivable for the amount due from the credit or debit card company and an offsetting payable to the Client. Once confirmation is received that the funds have been received, the Company settles the obligation to the Client. Due to timing, in some instances, the Company may receive the funds into bank accounts controlled by and in the Company’s name that are not disbursed to its Clients by the end of the day resulting in a settlement deposit on the Company’s books.

Off Balance Sheet Settlement Accounts

The Company also enters into agreements with certain clients to process payment funds on their behalf. When an automated clearing house or automated teller machine network payment transaction is processed, a transaction is initiated to withdraw funds from the designated source account and deposit them into a settlement account, which is a trust account maintained for the benefit of the Company’s clients. A simultaneous transaction is initiated to transfer funds from the settlement account to the intended destination account. These “back to back” transactions are designed to settle at the same time, usually overnight, such that the Company receives the funds from the source at the same time as it sends the funds to their destination. However, due to the transactions being with various financial institutions there may be timing differences that result in float balances. These funds are maintained in accounts for the benefit of the client which is separate from the Company’s corporate assets. As the Company does not take ownership of the funds, the settlement accounts are not included in the Company’s balance sheet. The Company is entitled to interest earned on the fund balances. The collection of interest on these settlement accounts is considered in the Company’s determination of its fee structure for clients and represents a portion of the payment for services performed by the Company. The amount of settlement funds as of December 31, 2015 and 2014 were $260.2 million and $224.9 million, respectively.

Property and Equipment

Property and equipment are stated at cost. Depreciation of these assets is generally computed using the straight-line method over their estimated useful lives based on asset class. As of December 31, 2015 and 2014, net property and equipment consisted of the following (in thousands):


	Useful Lives	2015			2014
Computer and office equipment	3 to 5 years	$	92,237		$	81,850
Leasehold improvements	Lesser of useful life of improvement or remaining life of lease		19,380			17,193
Furniture and fixtures	7 years		11,304			11,202
Building and improvements	7 - 30 years		10,340			8,884
Land	Non-depreciable		1,785			1,785

			135,046			120,914
Less: accumulated depreciation and amortization			(74,416	)		(60,554	)

Property and equipment, net		$	60,630		$	60,360

Software

Software may be for internal use or available for sale. Costs related to certain software, which is available for sale, are capitalized in accordance with ASC 985-20, Costs of Software to be Sold, Leased, or Marketed, when the resulting product reaches technological feasibility. The Company generally determines technological feasibility when it has a detailed program design that takes product function, feature and technical requirements to their most detailed, logical form and is ready for coding. The Company does not typically capitalize costs related to software available for sale as technological feasibility generally coincides with general availability of the software.

Amortization of software costs to be sold or marketed externally, begins when the product is available for licensing to customers and is determined on a product-by-product basis. The annual amortization shall be the greater of the amount computed using (a) the ratio of current gross revenues for a product to the total of current and anticipated future gross revenues for that product or (b) the straight-line method over the remaining estimated economic life of the product, including the period being reported on. Due to competitive pressures, it may be possible that the estimates of anticipated future gross revenue or remaining estimated economic life of the software product will be reduced significantly. As a result, the carrying amount of the software product may be reduced accordingly. Amortization of internal -use software is generally computed using the straight -line method over estimated useful lives of three to ten years.

Business Combinations

The Company applies the provisions of ASC 805, Business Combinations, in the accounting for its acquisitions. It requires the Company to recognize separately from goodwill the assets acquired and the liabilities assumed at their acquisition date fair values. Goodwill as of the acquisition date is measured as the excess of consideration transferred and the net of the acquisition date fair values of the assets acquired and the liabilities assumed. While the Company uses its best estimates and assumptions to accurately value assets acquired and liabilities assumed at the acquisition date, its estimates are inherently uncertain and subject to refinement. As a result, during the measurement period, which may be up to one year from the acquisition date, it records adjustments to the assets acquired and liabilities assumed with the corresponding offset to goodwill. Upon the conclusion of the measurement period or final determination of the values of assets acquired or liabilities assumed, whichever comes first, any subsequent adjustments are recorded to our consolidated statements of income.

Critical estimates in valuing certain intangible assets include but are not limited to future expected cash flows from customer relationships, covenants not to compete and acquired developed technologies, brand awareness and market position, as well as assumptions about the period of time the brand will continue to be used in our product portfolio, and discount rates. Management’s estimates of fair value are based upon assumptions believed to be reasonable, but which are inherently uncertain and unpredictable and, as a result, actual results may differ from estimates.

Other estimates associated with the accounting for acquisitions may change as additional information becomes available regarding the assets acquired and liabilities assumed, as more fully discussed in Note 2, Acquisitions.

Goodwill and Other Intangibles

In accordance with ASC 350, Intangibles – Goodwill and Other, the Company assesses goodwill for impairment at least annually. During this assessment management relies on a number of factors, including operating results, business plans and anticipated future cash flows. The Company assesses potential impairments to other intangible assets when there is evidence that events or changes in circumstances indicate that the carrying amount of an asset may not be recovered.

In accordance with ASC 350, the Company assesses goodwill for impairment annually during the fourth quarter of its fiscal year using October 1 balances or when there is evidence that events or changes in circumstances indicate that the carrying amount of the asset may not be recovered. The Company evaluates goodwill at the reporting unit level and has identified its reportable segments, Americas, Europe/Middle East/Africa (“EMEA”), and Asia/Pacific, as its reporting units. Recoverability of goodwill is measured using a discounted cash flow model incorporating discount rates commensurate with the risks involved. Use of a discounted cash flow model is common practice in impairment testing in the absence of available transactional market evidence to determine the fair value.

The key assumptions used in the discounted cash flow valuation model include discount rates, growth rates, cash flow projections and terminal value rates. Discount rates, growth rates and cash flow projections are the most sensitive and susceptible to change as they require significant management judgment. Discount rates are determined by using a weighted average cost of capital (“WACC”). The WACC considers market and industry data as well as Company-specific risk factors. Operational management, considering industry and Company-specific historical and projected data, develops growth rates and cash flow projections for each reporting unit. Terminal value rate determination follows common methodology of capturing the present value of perpetual cash flow estimates beyond the last projected period assuming a constant WACC and low long-term growth rates. If the calculated fair value is less than the current carrying value, impairment of the reporting unit may exist. If the recoverability test indicates potential impairment, the Company calculates an implied fair value of goodwill for the reporting unit. The implied fair value of goodwill is determined in a manner similar to how goodwill is calculated in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded to write down the carrying value. The calculated fair value substantially exceeded the current carrying value for all reporting units for all periods.

Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2013	$	488,698		$	160,158		$	67,793		$	716,649
Total impairment prior to December 31, 2013		(47,432	)		—			—			(47,432	)

Balance, December 31, 2013		441,266			160,158			67,793			669,217
Goodwill from acquisitions (1)		36,623			84,515			—			121,138
Foreign currency translation adjustments		(1,407	)		(4,370	)		(3,415	)		(9,192	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (2)		2,462			139,825			—			142,287
Foreign currency translation adjustments		(1,803	)		(3,301	)		(5,085	)		(10,189	)

Balance, December 31, 2015	$	477,141		$	376,827		$	59,293		$	913,261

(1)	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions.

(2)

Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period.

Other intangible assets, which include customer relationships, purchased contracts, trademarks and trade names, and covenants not to compete, are amortized using the straight-line method over periods ranging from three years to 20 years. The Company reviews its intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable.

Impairment of Long-Lived Assets

The Company reviews its long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of a long-lived asset group may not be recoverable. An impairment loss is recorded if the sum of the future cash flows expected to result from the use of the asset (undiscounted and without interest charges) is less than the carrying amount of the asset. The amount of the impairment charge is measured based upon the fair value of the asset group.

Treasury Stock

The Company accounts for shares of its common stock that are repurchased without intent to retire as treasury stock. Such shares are recorded at cost and reflected separately on the consolidated balance sheets as a reduction of stockholders’ equity. The Company issues shares of treasury stock upon exercise of stock options, issuance of restricted share awards, payment of earned performance shares, and for issuances of common stock pursuant to the Company’s employee stock purchase plan. For purposes of determining the cost of the treasury shares re-issued, the Company uses the average cost method.

Stock-Based Compensation Plans

In accordance with ASC 718, Compensation – Stock Compensation, the Company recognizes stock-based compensation costs for only those shares expected to vest, on a straight-line basis over the requisite service period of the award, which is generally the vesting term. The impact of forfeitures that may occur prior to vesting is also estimated and considered in the amount of expense recognized. Forfeiture estimates are revised, if necessary, in subsequent periods when actual forfeitures differ from those estimates. Share based compensation expense is recorded in operating expenses depending on where the respective individual’s compensation is recorded. The Company generally utilizes the Black–Scholes option–pricing model to determine the fair value of stock options on the date of grant. In order to determine the grant date fair value of the supplemental stock options, a Monte Carlo simulation model was used. The assumptions utilized in the Black-Scholes and Monte Carlo simulation option-pricing models, as well as the description of the plans the stock-based awards are granted under, are described in further detail in Note 11, Stock-Based Compensation Plans.

Translation of Foreign Currencies

The Company’s foreign subsidiaries typically use the local currency of the countries in which they are located as their functional currency. Their assets and liabilities are translated into United States dollars at the exchange rates in effect at the balance sheet date. Revenues and expenses are translated at the average exchange rates during the period. Translation gains and losses are reflected in the consolidated financial statements as a component of accumulated other comprehensive income (loss). Transaction gains and losses, including those related to intercompany accounts, that are not considered to be of a long-term investment nature are included in the determination of net income. Transaction gains and losses, including those related to intercompany accounts, that are considered to be of a long-term investment nature are reflected in the consolidated financial statements as a component of accumulated other comprehensive income.

Since the undistributed earnings of the Company’s foreign subsidiaries are considered to be indefinitely reinvested, the components of accumulated other comprehensive income have not been tax-effected.

Income Taxes

The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the expected future tax consequences of temporary differences between the financial reporting and tax bases of assets and liabilities. Deferred tax assets are reduced by a valuation allowance when it is more likely than not that some portion or all of the deferred tax assets will not be realized.

The Company periodically assesses its tax exposures and establishes, or adjusts, estimated unrecognized tax benefits for probable assessments by taxing authorities, including the Internal Revenue Service (“IRS”), and various foreign and state authorities. Such unrecognized tax benefits represent the estimated provision for income taxes expected to ultimately be paid.

Recently Issued Accounting Standards

In November 2015, the FASB issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classificiation of Deferred Taxes,which requires that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. ASU 2015-17 applies to all entities that present a classified statement of financial position. The amendments in ASU 2015-17 are effective for financial statements issued for annual periods beginning after December 15, 2016, and interim periods within those annual periods. Early application is permitted. The Company has adopted ASU 2015-17 as of December 31, 2015 and applied retrospectively. See Note 13, Income Taxes, for additional details regarding the application of ASU 2015-17.

In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which states that entities should present the debt issuance costs in the balance sheet as a direct deduction from the related debt liability rather than as an asset. Amortization of the costs is reported as interest expense. The effective date for the revised standard is for fiscal years beginning after December 15, 2016, with early adoption permitted. The Company does not expect the impact of this standard to have a material impact on our financial position, results of operations, or cash flow.

In April 2015, the FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, related to a customer’s accounting for fees paid in a cloud computing arrangement. The new guidance requires that management evaluate each cloud computing arrangement in order to determine whether it includes a software license that must be accounted for separately from hosted services. ASU 2015-05 applies the same guidance cloud service providers use to make this determination and also eliminates the existing requirement for customers to account for software licenses they acquire by analogizing to the guidance on leases. ASU 2015-05 is effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015 and provides the option of applying the guidance prospectively to all arrangements entered into or materially modified after the effective date or on a retrospective basis. Early adoption is permitted. The Company is evaluating the impact this standard will have on our consolidated financial statements.

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (“ASC 606”). This ASU supersedes the revenue recognition requirements in Accounting Standard Codification 605, Revenue Recognition, and most industry-specific guidance. The standard requires that entities recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which a company expects to be entitled in exchange for those goods or services. On July 9, 2015, the FASB deferred the effective date for this ASU to fiscal years beginning after December 15, 2017, and for interim periods within those fiscal years. The standard permits the use of either the retrospective or cumulative effect transition method. At this time, the Company has not selected a transition method. The Company is currently assessing the impact of the adoption of ASU 2014-09 on its financial position, results of operations, and cash flow.

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Acquisitions

12 Months Ended

Dec. 31, 2015

Business Combinations [Abstract]

Acquisitions

2.	Acquisitions

Fiscal 2015 Acquisitions

PAY.ON

On November 4, 2015, the Company completed the acquisition of PAY.ON for $186.4 million in cash and stock. PAY.ON is a leader in eCommerce payments gateway solutions to payment service providers globally. Their advanced Software as a Service (“SaaS”) based solution complements and strengthens the Company’s Merchant Retail Omni-Channel Universal Payments offerings. The combined entities will provide customers the ability to deliver a seamless omni-channel customer payment experience in store, mobile, and online.

Under the terms of the agreement, the Company acquired 100% of the equity of PAY.ON in a combination of cash and stock. The Company used approximately $181.0 million from its Revolving Credit Facility. See Note 4, Debt, for terms of the Credit Facility.

The purchase price of PAY.ON as of the date of the acquisition was comprised of (in thousands):


	Amount
Cash payments to PAY.ON shareholders	$	180,994
Issuance of ACI common stock		5,379

Total purchase price	$	186,373

The consideration paid by the Company to complete the acquisition has been allocated preliminarily to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition. The allocation of the purchase price is based upon certain external valuations and other analyses that have not been completed as of the date of this filing, including but not limited to intangible assets, property and equipment, accruals, and certain tax matters. Accordingly, the purchase price allocation is considered preliminary and is subject to future adjustments during the maximum one-year measurement period.

The Company incurred approximately $0.9 million in transaction related expenses during the year ended December 31, 2015, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying consolidated financial statements.

Under the terms of the PAY.ON acquisition agreement, the Company issued 476,750 shares of ACI common stock to two key PAY.ON employees (“PAY.ON RSAs”) with a fair value of $11.3 million on the date of grant. The awards have requisite service periods of two years and vest in increments of 25% every six months from the date of the acquisition. The PAY.ON RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for the PAY.ON RSAs on a straight-line basis over the requisite service period.

PAY.ON contributed approximately $2.9 million in revenue and an operating loss of $2.1 million for the year ended December 31, 2015. The consideration paid by the Company to complete the acquisition has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition.

In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015. The purchase price allocation for PAY.ON is considered preliminary and is subject to completion of valuations and other analyses.


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives	PAY.ON
Current assets:
Cash and cash equivalents		$	1,627
Receivables, net of allowance			2,658
Other current assets			581

Total current assets acquired			4,866


Noncurrent assets:
Property and equipment			424
Goodwill			140,015
Software	5 years		34,213
Customer relationships	15 years		22,418
Trademarks	5 years		2,500
Other noncurrent assets			6

Total assets acquired			204,442


Current liabilities:
Accounts payable			1,125
Employee compensation			555
Other current liabilities			1,115

Total current liabilities acquired			2,795


Noncurrent liabilities:
Deferred income taxes			15,274

Total liabilities acquired			18,069

Net assets acquired		$	186,373

Factors contributing to the purchase price that resulted in the goodwill (which is not tax deductible) include the acquisition of management, sales, and technology personnel with the skills to market new and existing products of the Company, enhanced product capabilities, complementary products and customers. Pro forma results for PAY.ON are not presented because they are not material.

Fiscal 2014 Acquisitions

Retail Decisions

On August 12, 2014, the Company completed the acquisition of ReD for $205.1 million in cash. As a leader in fraud prevention solutions, the acquisition of ReD enhanced the Company’s Universal Payments strategy and further strengthened the Company’s leadership position in the fast-growing payments risk management space.

To fund this acquisition and related transaction fees, the Company drew an additional $60.5 million on the Revolving Credit Facility and increased the Term portion of the Credit Agreement by an additional $150.0 million. See Note 4, Debt, for terms of the financing arrangement.

The Company incurred approximately $2.7 million in transaction related expenses during the year ended December 31, 2014, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying consolidated financial statements.

ReD contributed approximately $42.7 million and $17.9 million in revenue and $6.8 million and $1.9 million of operating income for the years ended December 31, 2015 and 2014, respectively, which includes severance expense related to the integration activities. The consideration paid by the Company to complete the acquisition has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition.

In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015.


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives	Retail Decisions
Current assets:
Cash and cash equivalents		$	795
Receivables, net of allowance			10,106
Deferred income taxes, net			514
Other current assets			10,282

Total current assets acquired			21,697


Noncurrent assets:
Property and equipment			3,354
Goodwill			137,915
Software	5-7 years		33,136
Customer relationships	18 years		50,480
Trademarks	5 years		3,980
Deferred income taxes			51
Other noncurrent assets			416

Total assets acquired			251,029


Current liabilities:
Accounts payable			4,624
Employee compensation			6,046
Other current liabilities			11,683

Total current liabilities acquired			22,353


Noncurrent liabilities:
Deferred income taxes			23,427
Other noncurrent liabilities			164

Total liabilities acquired			45,944

Net assets acquired		$	205,085

Factors contributing to the purchase price that resulted in the goodwill (which is not tax deductible) include the acquisition of management, sales, and technology personnel with the skills to market new and existing products of the Company, enhanced product capabilities, complementary products and customers. Pro forma results for ReD are not presented because they are not material.

Fiscal 2013 Acquisitions

In 2013, the Company completed three acquisitions at an aggregate cost of $378.1 million.

Official Payments Holdings, Inc.

On November 5, 2013, the Company completed the tender offer for OPAY and all its subsidiaries. The Company paid cash of $8.35 per share of common stock or approximately $139.8 million using funds on hand and $40 million drawn on the Revolving Credit Facility, which was repaid prior to year-end. As a leading provider of electronic bill payment solutions in the U.S., serving federal, state and local governments, municipal utilities, higher education institutions and charitable giving organizations, OPAY’s team, user base and vertical expertise make it an ideal match for the Company. The acquisition will further extend the Company’s presence in the Electronic Bill Presentment and Payment (“EBPP”) space, expanding its portfolio across key sectors including federal, state and local governments, municipal utilities, higher education institutions and charitable giving organizations.

Each outstanding option to acquire OPAY common stock was canceled and terminated at the effective time of the acquisition and converted into the right to receive cash with respect to the number of shares of OPAY common stock that would have been issuable upon a net exercise of such option, assuming the market value of the OPAY common stock at the time of such exercise was equal to the $8.35 per common stock tender offer. Any outstanding option with a per share exercise price that was greater than or equal to such amount was cancelled and terminated and no payment was made with respect thereto. In addition, each OPAY restricted stock unit award outstanding immediately prior to the effective time of the tender offer was fully vested and cancelled, and each holder of such awards became entitled to receive the $8.35 per common stock tender offer for each share of OPAY common stock into which the vested portion of the awards would otherwise have been converted.

The Company incurred approximately $1.2 million in transaction related expenses during the year ended December 31, 2013, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying consolidated statement of income.

OPAY contributed approximately $135.7 million and $23.3 million in revenue for the years ended December 31, 2014 and 2013, respectively. Due to integration activities, the Company is no longer able to separately identify the contribution to operating income generated from the acquisition of OPAY during the year ended December 31, 2014. OPAY contributed less than $0.1 million in operating losses for the year ended December 31, 2013, which includes severance expense related to the integration activities.

The consideration paid by the Company to complete the acquisition of OPAY has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition, including $47.4 million of customer relationships and $29.2 million of goodwill.

The Company made adjustments to finalize the purchase price allocation as additional information became available to deferred income taxes, other current and noncurrent liabilities. These adjustments and any resulting adjustments to the consolidated statements of income were not material to the Company’s previously reported operating results or financial position.

Online Resources Corporation

On March 11, 2013, the Company completed the tender offer for ORCC and all its subsidiaries. The Company paid cash of $3.85 per share of common stock for approximately $132.9 million and $127.2 million for the Series A-1 Convertible Preferred Stock for a total purchase price of $260.1 million (the “Merger”). The Company has included the financial results of ORCC in the consolidated financial statements from the date of acquisition. As a leading provider of online banking and full service bill pay solutions, the acquisition of ORCC adds EBPP solutions as a strategic part of ACI’s Universal Payments portfolio. It also strengthens the Company’s online banking capabilities with complementary technology, and expands the Company’s leadership in serving community banking and credit union customers.

Each outstanding option to acquire ORCC common stock was canceled and terminated at the effective time of the Merger and converted into the right to receive an equivalent number of options to purchase ACI common stock. Each ORCC restricted stock unit was vested immediately prior to the effective time of the Merger and received $3.85 per share.

The Company used funds from the $300.0 million of senior bank financing arranged through Wells Fargo Securities, LLC to fund the acquisition. See Note 4, Debt, for terms of the financing arrangement.

The Company incurred approximately $5.4 million in transaction related expenses during the twelve months ended December 31, 2013, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying statement of income.

ORCC contributed approximately $151.3 million and $120.8 million in revenue for the years ended December 31, 2014 and 2013, respectively. Due to integration activities, the Company is no longer able to separately identify the contribution to operating income generated from the acquisition of ORCC during the year ended December 31, 2014. ORCC contributed approximately $6.4 million in operating income for the year ended December 31, 2013, which includes severance expense related to the integration activities.

The consideration paid by the Company to complete the Merger has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition, including $68.8 million in customer relationships and $122.2 million in goodwill.

The Company made adjustments to finalize the purchase price allocation as additional information became available for certain accruals and deferred income taxes. These adjustments and any resulting adjustments to the consolidated statements of income were not material to the Company’s previously reported operating results or financial position.

Profesionales en Transacciones Electronicas S.A.

During the first quarter of 2013, the Company acquired 100% of Profesionales en Transacciones Electronicas S.A. – Venezuela (“PTESA-V”), 100% of Profesionales en Transacciones Electronicas S.A. – Ecuador (“PTESA-E”), and the ACI related assets of Profesionales en Transacciones Electronicas S.A. – Colombia (“PTESA-C”), collectively “PTESA”. The common stock of PTESA-E and PTESA-V were acquired for $2.8 million and the assets of PTESA-C were acquired for $11.4 million, for a total aggregate purchase price of $14.2 million paid in cash. The Company has included the financial results of PTESA in our consolidated financial statements from the date of acquisition. PTESA has been a long-term partner of the Company, serving customers in South America in sales, service and support functions. The addition of the PTESA team to the Company reinforces its commitment to serve the Latin American market.

Factors contributing to the purchase price that resulted in the goodwill (approximately $1.5 million of which is not tax deductible) include the acquisition of management, sales, and services personnel with the skills to market and support products of the Company in the Latin America region. Pro forma results are not presented because they are not material.

In connection with the 2013 acquisitions, the Company recorded the following amounts based upon its purchase price allocations as of December 31, 2014 (in thousands, except weighted-average useful lives):


	Weighted-Average Useful Lives	Official Payments Holdings, Inc.		Online Resourses Corporation		PTESA
Current assets:
Cash and cash equivalents		$	25,871	$	9,930	$	193
Billed and accrued receivables, net			2,858		19,394		327
Deferred income taxes, net			4,692		11,726		—
Other current assets			27,642		17,643		95

Total current assets acquired			61,063		58,693		615


Noncurrent assets:
Property and equipment			6,340		7,335		6
Goodwill			29,236		122,247		7,113
Software	10 years		26,125		62,215		—
Customer relationships	14 - 15 years		47,400		68,750		7,732
Trademarks	3 - 5 years		3,000		3,050		—
Other noncurrent assets			19,178		459		7

Total assets acquired			192,342		322,749		15,473


Current liabilities:
Accounts payable			9,414		15,394		341
Accrued employee compensation			15,006		10,549		261
Note payable			—		7,500		—
Other current liabilities			27,312		7,559		—

Total current liabilities acquired			51,732		41,002		602


Noncurrent liabilities:
Deferred income taxes, net			—		18,290		225
Other noncurrent liabilities acquired			828		3,339		439

Total liabilities acquired			52,560		62,631		1,266

Net assets acquired		$	139,782	$	260,118	$	14,207

- Definition

The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).

+ References

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+ Details

XML 25 R11.htm IDEA: XBRL DOCUMENT

Software and Other Intangible Assets

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Software and Other Intangible Assets

3.	Software and Other Intangible Assets

At December 31, 2015, software net book value totaled $237.9 million, net of $158.9 million of accumulated amortization. Included in this amount is software marketed for external sale of $70.1 million. The remaining software net book value of $167.8 million is comprised of various software that has been acquired or developed for internal use.

At December 31, 2014, software net book value totaled $209.5 million, net of $121.6 million of accumulated amortization. Included in this amount is software marketed for external sale of $85.9 million. The remaining software net book value of $123.6 million is comprised of various software that has been acquired or developed for internal use.

Amortization of software marketed for external sale is computed using the greater of the ratio of current revenues to total current and anticipated revenues expected to be derived from the software or the straight-line method over an estimated useful life of generally three to ten years. Software for resale amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $14.5 million, $14.8 million, and $13.6 million, respectively. These software amortization expense amounts are reflected in cost of license in the consolidated statements of income.

Amortization of software for internal use is computed using the straight-line method over an estimated useful life of three to ten years. Software for internal use amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $38.3 million, $26.7 million, and $19.1 million, respectively. These software amortization expense amounts are reflected in depreciation and amortization in the consolidated statements of income.

The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows (in thousands):


	December 31, 2015							December 31, 2014
	Gross Carrying Amount		Accumulated Amortization			Net Balance		Gross Carrying Amount		Accumulated Amortization			Net Balance
Customer relationships	$	336,075	$	(86,585	)	$	249,490	$	322,216	$	(68,616	)	$	253,600
Trademarks and tradenames		18,040		(10,605	)		7,435		15,767		(7,946	)		7,821
Purchased Contracts		10,690		(10,690	)		—		10,768		(10,768	)		—
Covenant not to compete		420		(420	)		—		433		(418	)		15

	$	365,225	$	(108,300	)	$	256,925	$	349,184	$	(87,748	)	$	261,436

Other intangible assets amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $23.0 million, $24.7 million, and $18.5 million, respectively.

Based on capitalized intangible assets at December 31, 2015, and assuming no impairment of these intangible assets, estimated amortization expense amounts in future fiscal years are as follows (in thousands):


Fiscal Year Ending December 31,	Software Amortization		Other Intangible Assets Amortization
2016	$	59,446	$	23,242
2017		51,795		21,742
2018		39,812		21,234
2019		30,934		20,645
2020		26,451		19,722
Thereafter		29,503		150,340

Total	$	237,941	$	256,925

XML 26 R12.htm IDEA: XBRL DOCUMENT

Debt

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Debt

Debt

As of December 31, 2015, the Company had $178.0 million, $460.6 million and $300.0 million outstanding under its Revolving Credit Facility, Term Credit Facility and Senior Notes, respectively, with up to $72.0 million of unused borrowings under the Credit Facility. The amount of unused borrowings actually available varies in accordance with the terms of the agreement.

Credit Agreement

The Company entered into the Credit Agreement (the “Credit Agreement”), as amended, with a syndicate of financial institutions, as lenders, and Wells Fargo Bank, National Association (“Wells Fargo”), as Administrative Agent, providing for revolving loans, swingline loans, letters of credit and a term loan on November 10, 2011. The Credit Agreement consists of a five-year $250.0 million senior secured revolving credit facility (the “Revolving Credit Facility”), which includes a sublimit for the issuance of standby letters of credit and a sublimit for swingline loans, and $650.0 million total under the five-year senior secured term loan facility (the “Term Credit Facility” and, together with the Revolving Credit Facility, the “Credit Facility”). The Credit Agreement also allows the Company to request optional incremental term loans and increases in the revolving commitment.

In connection with obtaining the credit agreement and its amendments, the Company incurred debt issue costs of $28.6 million, $24.1 million of which were paid prior to December 31, 2013, and $4.5 million were paid in 2014.

Borrowings under the Credit Facility bear interest at a rate per annum equal to, at the Company’s option, either (a) a base rate determined by reference to the highest of (1) the rate of interest per annum publicly announced by the Administrative Agent as its Prime Rate, (2) the federal funds effective rate plus 1/2 of 1% and (3) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for a one-month interest period adjusted for certain additional costs plus 1% or (b) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for the interest period relevant to such borrowing adjusted for certain additional costs, in each case plus an applicable margin. The applicable margin for borrowings under the Revolving Credit Facility is, based on the calculation of the applicable consolidated total leverage ratio, between 0.50% to 1.50% with respect to base rate borrowings and between 1.50% and 2.50% with respect to LIBOR based borrowings. Interest is due and payable monthly. The interest rate in effect at December 31, 2015 for the Credit Facility was 2.68%.

In addition to paying interest on the outstanding principal under the Credit Facility, the Company is required to pay a commitment fee in respect of the unutilized commitments under the Revolving Credit Facility, payable quarterly in arrears. The Company is also required to pay letter of credit fees on the maximum amount available to be drawn under all outstanding letters of credit in an amount equal to the applicable margin on LIBOR based borrowings under the Revolving Credit Facility on a per annum basis, payable quarterly in arrears, as well as customary fronting fees for the issuance of letters of credit fees and agency fees.

The Company is permitted to voluntarily reduce the unutilized portion of the commitment amount and repay outstanding loans under the Credit Facility at any time without premium or penalty, other than customary “breakage” costs with respect to LIBOR based loans.

Senior Notes

On August 20, 2013, the Company completed a $300 million offering of Senior Notes (“2013 Senior Notes”) at an issue price of 100% of the principal amount in a private placement for resale to qualified institutional buyers. The Senior Notes bear an interest rate of 6.375% per annum, payable semi-annually in arrears on August 15 and February 15 of each year, commencing on February 15, 2014. Interest began accruing beginning August 20, 2013. The Senior Notes will mature on August 20, 2020. In connection with the issuance of the Senior Notes the Company incurred debt issue costs of $6.1 million. The Company paid $0.2 million and $5.9 million of these debt issuance costs during the years ended December 31, 2014 and 2013, respectively

Maturities on long-term debt outstanding at December 31, 2015 are as follows (amounts in thousands):


Fiscal year ending December 31,

2016	$	95,293
2017		95,293
2018		447,997
2019		—
2020		300,000

Total	$	938,583

The Credit Agreement and Senior Notes also contain certain customary mandatory prepayment provisions. If certain events, as specified in the Credit Agreement or Senior Notes agreement, shall occur, the Company may be required to repay all or a portion of the amounts outstanding under the Credit Facility or Senior Notes.

The Credit Facility will mature on August 20, 2018 and the Senior Notes will mature on August 20, 2020. The Revolving Credit Facility and Senior Notes will not amortize and the Term Credit Facility will amortize, with principal payable in consecutive quarterly installments.

The Company’s obligations and the obligations of the guarantors under the Guaranty and cash management arrangements entered into with lenders under the Credit Facility (or affiliates thereof) are secured by first-priority security interests in substantially all assets of the Company and any guarantor, including 100% of the capital stock of ACI Corporation and each domestic subsidiary of the Company, each domestic subsidiary of any guarantor and 65% of the voting capital stock of each foreign subsidiary of the Company that is directly owned by the Company or a guarantor, and in each case, is subject to certain exclusions set forth in the credit documentation governing the Credit Facility.

The Credit Agreement and Senior Notes contain certain customary affirmative covenants and negative covenants that limit or restrict, subject to certain exceptions, the incurrence of liens, indebtedness of subsidiaries, dividends and other restricted payments, mergers, advances, investments, acquisitions, transactions with affiliates, change in nature of business and the sale of the assets. The Company is also required to maintain a consolidated leverage ratio at or below a specified amount and a consolidated fixed charge coverage ratio at or above a specified amount. If an event of default, as specified in the Credit Agreement and Senior Notes agreement, shall occur and be continuing, the Company may be required to repay all amounts outstanding under the Credit Facility and Senior Notes. As of December 31, 2015, and at all times during the period, the Company was in compliance with its financial debt covenants.


	December 31,
	2015		2014
Term credit facility	$	460,583	$	547,935
Revolving credit facility		178,000		44,000
6.375% Senior Notes, due August 2020		300,000		300,000

Total debt		938,583		891,935
Less current portion of term credit facility		95,293		87,352

Total long-term debt	$	843,290	$	804,583

Other

During the year ended December 31, 2012, the Company financed a five-year license agreement for certain internally-used software for $14.8 million with annual payments through April 2016. During the year ended December 31, 2015, the Company financed multiple three-year license agreements for certain internally-used software for a total value of $20.4 million with payments due through November 2018. Of these amounts, $20.2 million and $6.3 million was remaining as of December 31, 2015 and 2014, respectively. The Company recorded $11.7 million and $3.1 million in other current liabilities as of December 31, 2015 and 2014, respectively. The remaining $8.5 million and $3.2 million was recorded in other noncurrent liabilities in the accompanying consolidated balance sheet as of December 31, 2015 and 2014, respectively.

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Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

5.	Fair Value of Financial Instruments

ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. ASC 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

•

Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

•

Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.

•

Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.

Available-for-Sale Securities. Equity securities are reported at fair value utilizing Level 1 inputs. The Company’s equity securities of $33.8 million at December 31, 2014 were comprised entirely of Yodlee, Inc. (“Yodlee”) common stock and were included in noncurrent assets in the accompanying consolidated balance sheet. The Company utilized quoted prices from an active exchange market to fair value its equity securities.

The Company acquired a cost basis investment in Yodlee with the acquisition of S1 Corporation (“S1”) in February of 2012, which was fair valued at $9.8 million as a part of the purchase price allocation. The Company subsequently made an additional investment in Yodlee of approximately $1.0 million, bringing the total investment to $10.8 million as of December 31, 2013. On October 3, 2014 Yodlee common stock began trading on the NASDAQ under the symbol YDLE and the Company transitioned to accounting for the investment as available-for-sale securities. The Company recognized an unrealized gain in accumulated other comprehensive income of approximately $23.0 million during the year ended December 31, 2014 related to price appreciation of the Yodlee shares from the cost basis of $10.8 million. As a result of the recognition of the unrealized gain, the Company released a deferred tax asset and an equal and offsetting valuation allowance on the associated deferred tax asset of approximately $8.7 million during the year ended December 31, 2014. This tax impact was also recorded in accumulated other comprehensive income.

During the year ended December 31, 2015, the Company sold all of its Yodlee stock holdings in a series of sales and realized a total gain of $24.5 million, which is included in other, net in the accompanying condensed consolidated statements of income.

The fair value of our Credit Agreement approximates the carrying value due to the floating interest rate (Level 2 of the fair value hierarchy). The Company measures the fair value of its Senior Notes based on Level 2 inputs, which include quoted market prices and interest rate spreads of similar securities. The fair value of the Company’s Senior Notes was $310.5 million and $315.0 million at December 31, 2015 and 2014, respectively.

The fair values of cash equivalents approximate the carrying values.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

XML 28 R14.htm IDEA: XBRL DOCUMENT

Corporate Restructuring and Other Organizational Changes

12 Months Ended

Dec. 31, 2015

Restructuring and Related Activities [Abstract]

Corporate Restructuring and Other Organizational Changes

6.	Corporate Restructuring and Other Organizational Changes

Employee Actions

During the year ended December 31, 2015, the Company reduced its headcount by 30 employees as a part of its integration of recent acquisitions. In connection with these actions, approximately $1.3 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2015. The Company recognized $0.7 million of this expense in the Americas segment and $0.6 million in the EMEA segment during the year ended December 31, 2015. The Company paid approximately $2.9 million in restructuring severance costs during the year ended December 31, 2015 relating to expenses incurred in 2015 and prior. The unpaid severance liability as of December 31, 2015 totaled $0.8 million, including balances from severance events during the 12 months ended December 31, 2014. The Company expects the total $0.8 million of the severance liability to be paid over the next 12 months.

During the year ended December 31, 2014, the Company reduced its headcount by 220 employees as a part of its integration of recent acquisitions. In connection with these actions, approximately $8.7 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2014. The charges by segment were as follows for the year ended December 31, 2014: $5.7 million in the Americas segment, $2.0 million in the EMEA segment, and $1.0 million in the Asia/Pacific segment. Approximately $6.2 million of these termination costs were paid during the year ended December 31, 2014.

During the year ended December 31, 2013, the Company reduced its headcount by 147 employees as a part of its integration of its recent acquisitions. In connection with these actions, approximately $8.9 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2013. The charges, by segment, were as follows for the year December 31, 2013: $6.3 million in the Americas segment, $2.2 million in the EMEA segment, and $0.4 million in the Asia/Pacific segment.

Lease Terminations

During the year ended December 31, 2013, the Company ceased use of all or a portion of its leased facilities in Chantilly, VA, North Brunswick, NJ, Columbus, OH, Duluth, GA, and Bangalore, India, which resulted in additional expense of $1.7 million that was recorded in general and administrative expenses in the accompanying consolidated statements of income for the year ended December 31, 2013.

The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table (in thousands):


	Severance			Facility Closures			Total
Balance, December 31, 2013	$	1,470		$	1,871		$	3,341
Restructuring charges (adjustments) incurred, net		8,671			(136	)		8,535
Amounts paid during the period		(7,741	)		(1,283	)		(9,024	)
Foreign currency translation adjustments		(59	)		—			(59	)

Balance, December 31, 2014		2,341			452			2,793
Restructuring charges (adjustments) incurred, net		1,339			—			1,339
Amounts paid during the period		(2,872	)		(184	)		(3,056	)
Foreign currency translation adjustments		(31	)		—			(31	)

Balance, December 31, 2015	$	777		$	268		$	1,045

The $0.8 million for unpaid severance is included in employee compensation and the $0.3 million for unpaid facilities closures is included in other current liabilities in the accompanying consolidated balance sheet at December 31, 2015.

XML 29 R15.htm IDEA: XBRL DOCUMENT

Common Stock and Treasury Stock

12 Months Ended

Dec. 31, 2015

Equity [Abstract]

Common Stock and Treasury Stock

7.	Common Stock and Treasury Stock

As of December 31, 2011, the Company’s Board of Directors had approved a stock repurchase program authorizing the Company, from time to time as market and business conditions warrant, to acquire up to $210 million of its common stock. In February 2012, the Company’s Board of Directors approved an increase of $52.1 million to their current stock repurchase authorization, bringing the total authorization to $262.1 million.

On September 13, 2012, the Company’s Board of Directors approved the repurchase of up to 7,500,000 shares of the Company’s common stock, or up to $113.0 million in place of the remaining repurchase amounts previously authorized. In July 2013, the Company’s Board of Directors approved an additional $100 million for the stock repurchase program. In February 2014, the Company’s Board of Directors approved an additional $100 million for the stock repurchase program.

The Company did not repurchase any shares under the program during the year ended December 31, 2015. Under the program to date, the Company has repurchased 37,108,467 shares for approximately $395.8 million. The maximum remaining authorized for purchase under the stock repurchase program was approximately $138.3 million as of December 31, 2015.

During the year ended September 30, 2006, the Company began to issue shares of treasury stock upon exercise of stock options, payment of earned performance shares, issuance of restricted stock awards and for issuances of common stock pursuant to the Company’s employee stock purchase plan. Treasury shares issued during the year ended December 31, 2013 included 2,493,684, 25,989, and 982,728 shares issued pursuant to stock option exercises, Restricted share award (“RSA”) grants, and long-term incentive program performance share awards (“LTIP Performance Shares”) vesting, respectively. Treasury shares issued during the year ended December 31, 2014 included 2,037,467, 106,275, and 635,643 shares issued pursuant to stock option exercises, RSA grants, and LTIP Performance Shares vesting, respectively. Treasury shares issued during the year ended December 31, 2015 included 1,146,199, 125,026, 548,671, and 978,365 shares issued pursuant to stock option exercises, RSA grants, LTIP Performance Shares vesting, and Performance-Based Restriced Share Award (“PBRSAs”) grants, respectively.

- Definition

The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
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-Subparagraph (SX 210.4-08.(d),(e))
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-Subparagraph (SX 210.5-02.29-31)
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Reference 15: http://www.xbrl.org/2003/role/presentationRef
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+ Details

XML 30 R16.htm IDEA: XBRL DOCUMENT

Earnings Per Share

12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Earnings Per Share

8.	Earnings Per Share

Earnings per share is computed in accordance with ASC 260, Earnings per Share. Basic earnings per share is computed on the basis of weighted average outstanding common shares. Diluted earnings per share is computed on the basis of basic weighted average outstanding common shares adjusted for the dilutive effect of stock options and other outstanding dilutive securities.

The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands):


	Years Ended December 31,
	2015		2014		2013
Weighted average shares outstanding:
Basic weighted average shares outstanding		117,465		114,798		117,885
Add: Dilutive effect of stock options, restricted stock awards and other dilutive securities		1,454		1,973		2,169

Diluted weighted average shares outstanding		118,919		116,771		120,054

For the years ended December 31, 2015, 2014, and 2013, respectively, 3.7 million, 2.9 million and 4.5 million options to purchase shares, contingently issuable shares, and common stock warrants were excluded from the diluted net income per share computation as their effect would be anti-dilutive.

Common stock outstanding as of December 31, 2015 and 2014 was 119,033,770 and 115,637,804, respectively.

XML 31 R17.htm IDEA: XBRL DOCUMENT

Other, net

12 Months Ended

Dec. 31, 2015

Other Income and Expenses [Abstract]

Other, net

9.	Other, net

Other, net is comprised of the following items (in thousands):


	Years Ended December 31,
	2015		2014			2013
Foreign currency transaction gains (losses)	$	1,946	$	(67	)	$	(2,697	)
Realized gain on available-for-sale securities		24,465		—			—
Other		—		(173	)		(630	)

Total	$	26,411	$	(240	)	$	(3,327	)

The realized gain on sale of available-for-sale securities represents the gain on the sale of Yodlee common stock as discussed in Note 5, Fair Value of Finanical Instruments.

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Segment Information

12 Months Ended

Dec. 31, 2015

Segment Reporting [Abstract]

Segment Information

10.

Segment Information

The Company’s chief operating decision maker, together with other senior management personnel, currently focus their review of consolidated financial information and the allocation of resources based on reporting of operating results, including revenues and operating income for the geographic regions of the Americas, EMEA and Asia/Pacific and the Corporate segment. The Company’s products are sold and supported through distribution networks covering these three geographic regions, with each distribution network having its own sales force. The Company supplements its distribution networks with independent reseller and/or distributor arrangements. All administrative costs that are not directly attributable or reasonably allocable to a geographic segment are tracked in the Corporate segment. As such, the Company has concluded that its three geographic regions are its reportable segments.

The Company allocates segment support expenses such as global product development, business operations, and product management based upon percentage of revenue per segment. Depreciation and amortization and other facility related costs are allocated as a percentage of the headcount by segment. The Corporate line item consists of the corporate overhead costs that are not allocated to operating segments. Corporate overhead costs relate to human resources, finance, legal, accounting, merger and acquisition activity and amortization of acquisition-related intangibles and software as well as other costs that are not considered when management evaluates segment performance.

The following is selected segment financial data for the periods indicated (in thousands):


	Years Ended December 31,
	2015			2014			2013
Revenues:
Americas - United States	$	628,013		$	614,488		$	450,251
Americas - Other		82,548			87,279			91,639
EMEA		250,568			230,879			228,679
Asia/Pacific		84,848			83,503			94,359

	$	1,045,977		$	1,016,149		$	864,928


Depreciation and amortization expense:
Americas	$	24,966		$	20,548		$	17,030
EMEA		3,670			4,126			6,310
Asia/Pacific		1,751			1,809			2,574
Corporate		67,044			60,200			44,053

	$	97,431		$	86,683		$	69,967


Stock-based compensation expense:
Americas	$	1,638		$	2,910		$	2,392
EMEA		1,223			419			759
Asia/Pacific		36			249			293
Corporate		15,483			7,467			10,128

	$	18,380		$	11,045		$	13,572


Income (loss) before taxes:
Americas	$	111,382		$	143,379		$	145,496
EMEA		132,518			116,120			87,522
Asia/Pacific		41,658			38,853			33,923
Corporate		(172,185	)		(199,583	)		(173,782	)

	$	113,373		$	98,769		$	93,159


	December 31,
	2015		2014
Long lived assets:
Americas - United States	$	923,871	$	929,459
Americas - Other		11,643		15,337
EMEA		502,785		360,033
Asia/Pacific		72,957		77,416

	$	1,511,256	$	1,382,245


	December 31,
	2015		2014
Total assets:
Americas - United States	$	1,196,733	$	1,210,673
Americas - Other		33,492		32,595
EMEA		643,275		487,629
Asia/Pacific		116,712		119,803

	$	1,990,212	$	1,850,700

Additionally, the Company offers seven primary product categories that are sold in each of the geographic regions listed above. Following are revenues, by product and services (in thousands):


	Years Ended December 31,
	2015		2014		2013
Retail payments processing	$	402,454	$	406,023	$	410,200
Billers		241,949		235,039		101,981
Online banking and community financial services		219,698		227,659		223,902
Tools and infrastructure		42,783		40,427		38,241
Wholesale banking payments		41,545		37,879		35,396
Payment fraud management		27,373		36,235		37,136
Card and merchant management		70,175		32,887		18,072

Total	$	1,045,977	$	1,016,149	$	864,928

During the years ended December 31, 2015, 2014 and 2013, approximately 21%, 21%, and 28%, respectively, of the Company’s total revenues were derived from licensing the BASE24 product line, which does not include the BASE24-eps product, and providing related services and maintenance.

No country outside of the United States accounted for more than 10% of the Company’s consolidated revenues during the years ended December 31, 2015, 2014 and 2013. No single customer accounted for more than 10% of the Company’s consolidated revenues during the years ended December 31, 2015, 2014 and 2013.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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XML 33 R19.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans

12 Months Ended

Dec. 31, 2015

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Stock-Based Compensation Plans

11.

Stock-Based Compensation Plans

Employee Stock Purchase Plan

Under the Company’s 1999 Employee Stock Purchase Plan (the “ESPP”), a total of 4,500,000 shares of the Company’s common stock have been reserved for issuance to eligible employees. Participating employees are permitted to designate up to the lesser of $25,000, or 10% of their annual base compensation, for the purchase of common stock under the ESPP. Purchases under the ESPP are made one calendar month after the end of each fiscal quarter. The price for shares of common stock purchased under the ESPP is 85% of the stock’s fair market value on the last business day of the three-month participation period. Shares issued under the ESPP during the years ended December 31, 2015, 2014 and 2013, totaled 162,058, 154,223, and 128,568, respectively.

Additionally, the discount offered pursuant to the Company’s ESPP discussed above is 15%, which exceeds the 5% non-compensatory guideline in ASC 718 and exceeds the Company’s estimated cost of raising capital. Consequently, the entire 15% discount to employees is deemed to be compensatory for purposes of calculating expense using a fair value method. Compensation costs related to the ESPP for the years ended December 31, 2015, 2014 and 2013 was approximately $0.5 million, $0.5 million, and $0.3 million, respectively.

On July 24, 2007, the Company’s stockholders approved a proposal to amend the ESPP to extend the term of the ESPP by ten years to April 30, 2018. The term of the amended ESPP commenced May 1, 2008 and continues until April 30, 2018 subject to earlier termination by the Company’s Board of Directors.

Stock Incentive Plans – Active Plans

The Company has a 2005 Equity and Performance Incentive Plan, as amended (the “2005 Incentive Plan”), under which shares of the Company’s common stock have been reserved for issuance to eligible employees or non-employee directors of the Company. The 2005 Incentive Plan provides for the grant of incentive stock options, nonqualified stock options, stock appreciation rights, restricted stock awards, performance awards and other awards. The maximum number of shares of the Company’s common stock that may be issued or transferred in connection with awards granted under the 2005 Incentive Plan is the sum of (i) 9,000,000 shares and (ii) any shares represented by outstanding options that had been granted under designated terminated stock option plans that are subsequently forfeited, expire or are canceled without delivery of the Company’s common stock.

On July 24, 2007, the stockholders of the Company approved the First Amendment to the 2005 Incentive Plan which increased the number of shares authorized for issuance under the plan from 9,000,000 to 15,000,000 and contained certain other amendments, including an amendment to provide that the exercise price for any options granted under the 2005 Incentive Plan, as amended, may not be less than the market value per share of common stock on the date of grant. On June 14, 2012, the stockholders of the Company approved the Second Amendment to the 2005 Incentive Plan which increased the number of shares authorized for issuance under the plan from 15,000,000 to 23,250,000.

Stock options granted pursuant to the 2005 Incentive Plan are granted at an exercise price not less than the market value per share of the Company’s common stock on the date of the grant. Prior to the adoption of the First Amendment to the 2005 Incentive Plan, stock options granted under the 2005 Incentive Plan were granted with an exercise price not less than the market value per share of common stock on the date immediately preceding the date of grant. Under the 2005 Incentive Plan, the term of the outstanding options may not exceed ten years. Vesting of options is determined by the Compensation Committee of the Board of Directors, the administrator of the 2005 Incentive Plan, and can vary based upon the individual award agreements.

Supplemental options granted pursuant to the 2005 Incentive Plan are granted at an exercise price not less than the market value per share of the Company’s common stock on the date of the grant. These options vest, if at all, based upon (i) tranche one - any time after the third anniversary date if the stock has traded at 133% of the exercise price for at least 20 consecutive trading days, (ii) tranche two - any time after the fourth anniversary date if the stock has traded at 167% of the exercise price for at least 20 consecutive trading days, and (iii) tranche three - any time after the fifth anniversary date if the stock has traded at 200% of the exercise price for at least 20 consecutive trading days. The employees must also remain employed with the Company as of the anniversary date in order for the options to vest. The exercise price of the supplemental stock options is the closing market price on the date the awards were granted.

Performance awards granted pursuant to the 2005 Incentive Plan become payable upon the achievement of specified management objectives. Each performance award specifies: (i) the number of performance shares or units granted, (ii) the period of time established to achieve the management objectives, which may not be less than one year from the grant date, (iii) the management objectives and a minimum acceptable level of achievement as well as a formula for determining the number of performance shares or units earned if performance is at or above the minimum level but short of full achievement of the management objectives, and (iv) any other terms deemed appropriate.

Restricted stock awards granted pursuant to the 2005 Incentive Plan have requisite service periods of three and four years and vest in increments of 33% and 25%, respectively, on the anniversary of the grant date. Under each arrangement, stock is issued without direct cost to the employee.

In relation to the acquisition of S1 Corporation in 2012, the Company amended the S1 Corporation 2003 Stock Incentive Plan, as previously amended and restated (the “S1 2003 Incentive Plan”). RSAs were granted to S1 employees by S1 Corporation prior to the acquisition by the Company in accordance with the terms of the Transaction Agreement (“Transaction RSAs”) under the S1 2003 Incentive Plan. All of these awards are fully vested as of December 31, 2015 and no further grants will be made under the S1 2003 Incentive Plan.

Stock Incentive Plans – Terminated Plans with Options Outstanding

Upon adoption of the 2005 Incentive Plan in March 2005, the Board terminated the following stock option plans of the Company: (i) the 2002 Non-Employee Director Stock Option Plan, as amended, (ii) the MDL Amended and Restated Employee Share Option Plan, as amended (iii) the 2000 Non-Employee Director Stock Option Plan, as amended (iv) the 1997 Management Stock Option Plan, as amended (v) the 1996 Stock Option Plan, as amended; and (vi) the 1994 Stock Option Plan, as amended. Termination of these stock option plans did not affect any options outstanding under these plans immediately prior to termination thereof.

The Company had a 2002 Non-Employee Director Stock Option Plan that was terminated in March 2005 whereby 750,000 shares of the Company’s common stock had been reserved for issuance to eligible non-employee directors of the Company. The term of the outstanding options is ten years. All outstanding options under this plan are fully vested.

The Company had a 1999 Stock Option Plan, as amended, that expired in February 2009 whereby 12,000,000 shares of the Company’s common stock had been reserved for issuance to eligible employees of the Company and its subsidiaries. The term of the outstanding options is 10 years. The options generally vest annually over a period of three or four years. All outstanding options under this plan are fully vested.

A summary of stock options issued under the various Stock Incentive Plans previously described and changes is as follows:


	Number of Shares			Weighted- Average Exercise Price ($)		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinsic Value of In-the-Money Options ($)
Outstanding, December 31, 2012		8,905,746		$	9.05
Granted		1,208,019			19.30
Exercised		(2,478,183	)		7.81
Forfeited		(225,474	)		12.79
Expired		(1,287	)		9.65

Outstanding, December 31, 2013		7,408,821			11.02
Granted		27,132			20.13
Exercised		(2,036,558	)		8.08
Forfeited		(116,702	)		17.80

Outstanding, December 31, 2014		5,282,693			12.06
Granted		2,055,514			19.12
Exercised		(1,144,273	)		10.62
Forfeited		(394,265	)		19.06
Expired		(593	)		20.51

Outstanding, December 31, 2015		5,799,076		$	14.37		6.27	$	40,786,575



Exercisable, December 31, 2015		3,744,383		$	11.67		4.82	$	36,424,252

At December 31, 2015, we expect that 93.0% of options granted will vest over the vesting period.

The weighted-average grant date fair value of stock options granted during the years ended December 31, 2015, 2014, and 2013 was $6.49, $9.02, and $8.72, respectively. The total intrinsic value of stock options exercised during the years ended December 31, 2015, 2014, and 2013 was $12.4 million, $22.8 million, and $25.5 million, respectively.

The fair value of options granted in the respective fiscal years was estimated on the date of grant using the Black-Scholes option-pricing model, acceptable under ASC 718, with the following weighted-average assumptions:


	Years Ended December 31,
	2015			2014			2013
Expected life (years)		5.9			5.9			6.2
Risk-free interest rate		1.4	%		1.8	%		1.6	%
Expected volatility		32.1	%		45.2	%		46.0	%
Expected dividend yield		—			—			—

Expected volatilities are based on the Company’s historical common stock volatility derived from historical stock price data for historic periods commensurate with the options’ expected life. The expected life of options granted represents the period of time that options granted are expected to be outstanding, based primarily on historical employee option exercise behavior. The risk-free interest rate is based on the implied yield currently available on United States Treasury zero coupon issues with a term equal to the expected life at the date of grant of the options. The expected dividend yield is zero as the Company has historically paid no dividends and does not anticipate dividends to be paid in the future.

During the year ended December 31, 2015, the Company granted supplemental stock options with three tranches at a grant date fair value of $8.01, $7.56, and $7.00, respectively, per share that vest, if at all, based upon (i) tranche one - any time after the third anniversary date if the stock has traded at 133% of the exercise price for at least 20 consecutive trading days, (ii) tranche two - any time after the fourth anniversary date if the stock has traded at 167% of the exercise price for at least 20 consecutive trading days, and (iii) tranche three - any time after the fifth anniversary date if the stock has traded at 200% of the exercise price for at least 20 consecutive trading days. The employees must also remain employed with the Company as of the anniversary date in order for the options to vest. The exercise price of the supplemental stock options is the closing market price on the date the awards were granted. In order to determine the grant date fair value of the supplemental stock options, a Monte Carlo simulation model was used. With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions:


	Year Ended December 31, 2015
Expected life (years)		7.5
Risk-free interest rate		1.7	%
Expected volatility		41.9	%
Expected dividend yield		—

Stock Incentive Plan – ORCC Corporation Stock Incentive Plan, as amended and restated

In relation to the acquisition of ORCC discussed in Note 2, the Company amended the ORCC Stock Incentive Plan, as previously amended and restated (the “ORCC Incentive Plan”). Stock options were granted to ORCC employees by ORCC prior to acquisition by the Company under the ORCC Incentive Plan. Outstanding ORCC options were converted into ACI options in accordance with the terms of the Transaction Agreement. These are the only equity awards currently outstanding under the ORCC Incentive Plan and no further grants will be made.

A summary of transaction stock options issued pursuant to the Company’s stock incentive plans is as follows:


	Number of Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinsic Value of In-the-Money Options
Outstanding as of December 31, 2012		—		$	—
Transaction stock options converted upon acquisition of ORCC		112,404			30.64
Exercised		(15,501	)		13.92
Cancelled		(34,458	)		30.21

Outstanding as of December 31, 2013		62,445			35.03
Exercised		(909	)		13.92
Cancelled		(15,024	)		31.03

Outstanding as of December 31, 2014		46,512			36.73
Exercised		(1,926	)		13.92
Cancelled		(23,550	)		44.83

Outstanding as of December 31, 2015		21,036		$	29.76		1.68	$	37,587


Exercisable as of December 31, 2015		21,036		$	29.76		1.68	$	37,587

Long-term Incentive Program Performance Share Awards

During the years ended December 31, 2015, 2014 and 2013, pursuant to the Company’s 2005 Incentive Plan, the Company granted LTIP Performance Shares. These LTIP Performance Shares are earned, if at all, based upon the achievement, over a specified period that must not be less than one year and is typically a three-year performance period, of performance goals related to (i) the compound annual growth over the performance period in the sales for the Company as determined by the Company, and (ii) the cumulative operating income over the performance period as determined by the Company. In no event will any of the LTIP Performance Shares become earned if the Company’s sales growth or cumulative operating income is below a predetermined minimum threshold level at the conclusion of the performance period. Assuming achievement of the predetermined sales growth and cumulative operating income threshold levels, up to 200% of the LTIP Performance Shares may be earned upon achievement of performance goals equal to or exceeding the maximum target levels for the performance goals over the performance period. Management must evaluate, on a quarterly basis, the probability that the threshold performance goals will be achieved, if at all, and the anticipated level of attainment in order to determine the amount of compensation costs to record in the consolidated financial statements.

During the fourth quarter of the year ended December 31, 2013, the Company revised the expected attainment for the awards granted in fiscal 2010 from 175% to 130% due to changes in actual sales and operating income. The awards granted in fiscal 2010 vested during the first quarter of the year ended December 31, 2014 at a final attainment rate of 136%. During the fourth quarter of the year ended December 31, 2014, the Company revised the expected attainment for the awards granted in fiscal years 2012 and 2013 from 100% to 0% and 75%, respectively, due to changes in forecasted sales and operating income. During the first quarter of the year ended December 31, 2015, the Company revised the expected attainment rate for the awards granted in fiscal 2011 from 100% to 91% due to changes in actual sales and operating income. During the third quarter of the year ended December 31, 2015, the Company revised the expected attainment rate for the awards granted in fiscal 2013 from 75% to 0% due to changes in forecasted sales and operating income. The expected attainment rate for the 2012 and 2015 grants remain at 0% and 100%, respectively.

At December 31, 2015, the LTIPs granted in 2012 were earned by the employees. As the expected attainment rate is 0% for the LTIPs granted in 2012, no shares are expected to be issued in the first quarter of 2016.

A summary of the nonvested LTIP Performance Shares is as follows:


Nonvested LTIP Performance Shares	Number of Shares at Expected Attainment			Weighted- Average Grant Date Fair Value
Nonvested at December 31, 2012		3,304,452		$	9.38
Granted		798,306			20.30
Vested		(982,728	)		5.61
Forfeited		(188,511	)		12.33
Change in expected attainment for 2010 grants		(212,943	)		8.88

Nonvested at December 31, 2013		2,718,576			13.78
Granted		19,065			20.13
Vested		(635,643	)		8.88
Forfeited		(111,599	)		16.43
Change in expected attainment for 2012 and 2013 grants		(844,483	)		15.86

Nonvested at December 31, 2014		1,145,916			14.84
Granted		1,025,863			19.12
Vested		(548,671	)		9.75
Forfeited		(205,510	)		19.39
Change in expected attainment for 2011 and 2013 grants		(528,303	)		19.44

Nonvested at December 31, 2015		889,295		$	19.13

During the years ended December 31, 2015, 2014 and 2013 the Company had 548,671, 635,643 and 982,728 LTIP shares vest, respectively. The Company withheld 196,169, 228,279, and 338,262 of those shares to pay the employees’ portion of the minimum payroll withholding taxes for the years ended December 31, 2015, 2014, and 2013, respectively.

Restricted Share Awards

During the years ended December 31, 2015, 2014, and 2013, pursuant to the Company’s 2005 Incentive Plan, the Company granted restricted share awards (“RSAs”). The awards have requisite service periods of three years and vest in increments of 33% on the anniversary of the grant dates. Under each arrangement, stock is issued without direct cost to the employee. The Company estimates the fair value of the RSAs based upon the market price of the Company’s stock at the date of grant. The RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for RSAs on a straight-line basis over the requisite service period.

A summary of nonvested RSAs are as follows:


Nonvested Restricted Share Awards	Restricted Share Awards			Grant Date Fair Value
Nonvested at December 31, 2012		207,714		$	13.67
Granted		25,989			16.10
Vested		(88,638	)		12.35

Nonvested at December 31, 2013		145,065			14.91
Granted		106,275			18.57
Vested		(66,670	)		14.59
Forfeited		(1,461	)		20.51

Nonvested at December 31, 2014		183,209			17.11
Granted		125,026			23.82
Vested		(158,973	)		17.21

Nonvested at December 31, 2015		149,262		$	22.62

During the years ended December 31, 2015, 2014 and 2013, the Company had 158,973, 66,670, and 88,638 RSA shares vested, respectively. The Company withheld 25,235, 26,461, and 31,746 of those respective shares to pay the employees’ portion of the minimum payroll withholding taxes.

Under the terms of the Transaction Agreement with S1, upon the acquisition, the S1 Transaction RSAs were converted to RSAs of the Company’s stock. These awards have requisite service periods of four years and vest in increments of 25% on the anniversary of the original grant date of November 9, 2011. If an employee was terminated without cause within 12 months of the acquisition date, the RSAs 100% vested. Stock is issued without direct cost to the employee. The RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The conversion of the Transaction RSAs was treated as a modification and as such, they were valued immediately prior to and after modification. The Company recognizes compensation expense for RSAs on a straight-line basis over the requisite service period. The incremental fair value as measure upon modification will be recognized on a straight-line basis from modification date through the end of the requisite service period.

A summary of nonvested Transaction RSAs issued under the S1 2003 Stock Incentive Plan as of December 31, 2015 and changes during the period are as follows:


Nonvested Transaction Restricted Share Awards	Number of Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2012		150,732		$	11.80
Vested		(35,598	)		11.80
Forfeited		(57,582	)		11.80

Nonvested as of December 31, 2013		57,552			11.80
Vested		(19,822	)		11.80
Forfeited		(20,165	)		11.80

Nonvested as of December 31, 2014		17,565			11.80
Vested		(13,201	)		11.80
Forfeited		(4,364	)		11.80

Nonvested as of December 31, 2015		—		$	—

During the years ended December 31, 2015, 2014 and 2013, 13,201, 19,822, and 35,598 shares of the Transaction RSAs vested, respectively. The Company withheld 3,750, 5,980, and 11,307 of those respective shares to pay the employees’ portion of the minimum payroll withholding taxes.

Performance-Based Restricted Share Awards

During the year ended December 31, 2015, pursuant to the Company’s 2005 Incentive Plan, the Company granted Performance-Based Restricted Share Awards (“PBRSAs”). The PBRSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. These PBRSA awards are earned, if at all, based upon the achievement of performance goals over a specific period (the “Performance Period”) and completion of the service period. The PBRSAs granted on June 9, 2015 have a graded-vesting period of three years (33% vest each year) and are subject to performance targets based on the Company’s earnings before income tax, depreciation, and amortization (“EBITDA”). The first 33% of the PBRSAs issued vest subject to meeting the EBITDA target based for the year ending December 31, 2015. The remaining 66% of the PBRSAs issued, vest 33% at the end of year two and 33% at the end of year three, subject to meeting the EBITDA target for the year ending December 31, 2016. The PBRSAs granted on September 15, 2015 have a vesting period of 1.3 years and are subject to performance targets based on the Company’s EBITDA for the year ending December 31, 2016. In no event will any of the PBRSA shares become earned if the Company’s EBITDA is below a predetermined minimum threshold level at the conclusion of the Performance Period. Assuming achievement of the predetermined EBITDA threshold level, up to 150% of the PBRSA shares may be earned upon achievement of performance goals equal to or exceeding the maximum target levels for the performance goals over the Performance Period. Management will evaluate, on a quarterly basis, the probability that the threshold performance goals will be achieved, if at all, and the anticipated level of attainment in order to determine the amount of compensation costs to record in the condensed consolidated financial statements. Through December 31, 2015, the Company has accrued compensation costs assuming an attainment level of 100% for all PBRSA grants. The Company recognizes compensation expense for PBRSAs on a straight-line basis over the requisite service periods.

A summary of nonvested PBRSAs as of December 31, 2015 and changes during the period are as follows:


Nonvested Performance-Based Restricted Share Awards	Number of Performance-Based Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2014		—		$	—
Granted		978,365			23.45
Forfeited		(39,502	)		24.24

Nonvested as of December 31, 2015		938,863		$	23.42

PAY.ON Restricted Share Awards

Under the terms of the PAY.ON acquisition agreement, the Company issued PAY.ON RSAs to two key employees. The awards have requisite service periods of two years and vest in increments of 25% every six months from the date of the acquisition. The PAY.ON RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for the PAY.ON RSAs on a straight-line basis over the requisite service period.

A summary of nonvested PAY.ON RSAs are as follows:


Nonvested PAY.ON RSAs	Number of PAY.ON RSAs		Grant Date Fair Value
Nonvested at December 31, 2014		—	$	—
Granted		476,750		23.60

Nonvested at December 31, 2015		476,750	$	23.60

As of December 31, 2015, there were unrecognized compensation costs of $9.6 million related to nonvested stock options, $1.8 million related to the nonvested RSAs, $11.1 million related to the LTIP performance shares, and $14.4 million related to nonvested PBRSAs, which the Company expects to recognize over weighted-average periods of 1.9 years, 1.2 years, 2.3 years, and 1.4 years, respectively.

The Company recorded stock-based compensation expenses recognized under ASC 718 during the years ended December 31, 2015, 2014 and 2013 related to stock options, LTIP Performance Shares, RSAs, PBRSAs, and the ESPP of $18.4 million, $11.0 million, and $13.6 million, respectively, with corresponding tax benefits of $6.9 million, $4.2 million, and $5.2 million respectively. Tax benefits in excess of the option’s grant date fair value are classified as financing cash flows. Estimated forfeiture rates, stratified by employee classification, have been included as part of the Company’s calculations of compensation costs. The Company recognizes compensation costs for stock option awards which vest with the passage of time with only service conditions on a straight-line basis over the requisite service period.

Cash received from option exercises for the year ended December 31, 2015, 2014, and 2013 was $12.2 million, $16.5 million, and $19.6 million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $4.6 million, $8.6 million, and $9.7 million, for the year ended December 31, 2015, 2014, and 2013, respectively.

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Employee Benefit Plans

12 Months Ended

Dec. 31, 2015

Compensation and Retirement Disclosure [Abstract]

Employee Benefit Plans

12.

Employee Benefit Plans

ACI 401(k) Plan

The ACI 401(k) Plan is a defined contribution plan covering all domestic employees of the Company. Participants may contribute up to 75% of their annual eligible compensation up to a maximum of $18,000 (for employees who are under the age of 50 on December 31, 2015) or a maximum of $24,000 (for employees aged 50 or older on December 31, 2015). After one year of service, the Company matches participant contributions 100% on every dollar deferred to a maximum of 4% of eligible compensation contributed to the plan, not to exceed $4,000 per employee annually. Company contributions charged to expense during the years ended December 31, 2015, 2014, and 2013 was $6.1 million, $6.0 million, and $5.4 million, respectively.

ACI Worldwide EMEA Group Personal Pension Scheme

The ACI Worldwide EMEA Group Personal Pension Scheme is a defined contribution plan covering substantially all ACI Worldwide (EMEA) Limited (“ACI-EMEA”) employees. For those ACI-EMEA employees who elect to participate in the plan, the Company contributes a minimum of 8.5% of eligible compensation to the plan for employees employed at December 1, 2000 (up to a maximum of 15.5% for employees aged over 55 years on December 1, 2000) or from 6% to 10% of eligible compensation for employees employed subsequent to December 1, 2000. ACI-EMEA contributions charged to expense during the year ended December 31, 2015, 2014, and 2013 was $1.8 million, $1.5 million, and $1.3 million, respectively.

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Income Taxes

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Income Taxes

13.

Income Taxes

For financial reporting purposes, income before income taxes includes the following components (in thousands):


	Years Ended December 31,
	2015		2014		2013
United States	$	52,563	$	47,963	$	47,640
Foreign		60,810		50,806		45,519

Total	$	113,373	$	98,769	$	93,159

The expense (benefit) for income taxes consists of the following (in thousands):


	Years Ended December 31,
	2015			2014			2013
Federal
Current	$	(6,889	)	$	7,895		$	7,509
Deferred		18,024			7,021			9,491

Total		11,135			14,916			17,000
State
Current		379			1,542			2,492
Deferred		(4,096	)		(2,397	)		(1,687	)

Total		(3,717	)		(855	)		805
Foreign
Current		15,117			13,335			9,717
Deferred		5,402			3,813			1,769

Total		20,519			17,148			11,486

Total	$	27,937		$	31,209		$	29,291

Differences between the income tax expense computed at the statutory federal income tax rate and per the consolidated statements of income are summarized as follows (in thousands):


	Years Ended December 31,
	2015			2014			2013
Tax expense at federal rate of 35%	$	39,680		$	34,569		$	32,606
State income taxes, net of federal benefit		(2,462	)		(544	)		675
Change in valuation allowance		(9,066	)		3,521			(1,615	)
Foreign tax rate differential		(5,710	)		(5,508	)		(4,650	)
Unrecognized tax benefit increase		2,977			65			488
Tax effect of foreign operations		261			(104	)		5,906
Acquisition Costs		—			289			896
Tax benefit of research & development		(871	)		(3,446	)		(4,001	)
Other		3,128			2,367			(1,014	)

Income tax provision	$	27,937		$	31,209		$	29,291

The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2015 are Ireland, Netherlands, South Africa and United Kingdom. The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2014 are Ireland, South Africa and United Kingdom. The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2013, are Canada, Singapore, South Africa, and United Kingdom.

The deferred tax assets and liabilities result from differences in the timing of the recognition of certain income and expense items for tax and financial accounting purposes. The sources of these differences at each balance sheet date are as follows (in thousands):


	December 31,
	2015			2014
Deferred income tax assets:
Net operating loss carryforwards	$	112,193		$	150,004
Tax credits		40,614			43,804
Compensation		25,752			24,486
Deferred revenue		25,287			13,486
Tax basis in investments		100			5,601
Other		8,246			9,712

Gross deferred income tax assets		212,192			247,093
Less: valuation allowance		(18,742	)		(36,174	)

Net deferred income tax assets	$	193,450		$	210,919


Deferred income tax liabilities:
Depreciation and amortization	$	(130,645	)	$	(129,825	)

Total deferred income tax liabilities		(130,645	)		(129,825	)

Net deferred income taxes	$	62,805		$	81,094


Deferred income taxes / liabilities included in the balance sheet are:
Deferred income tax asset - noncurrent	$	90,872		$	94,536
Deferred income tax liability - noncurrent		(28,067	)		(13,442	)

Net deferred income taxes	$	62,805		$	81,094

In November 2015, the FASB issued ASU No. 2015-17, which requires that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The Company has early adopted this standard and has applied the requirements retrospectively to all periods presented. The adoption of this standard resulted in the reclassification in the consolidated balance sheet as of December 31, 2014 of $44.1 million from current deferred income tax assets to noncurrent deferred income tax assets and a reclassification of $0.2 million from current deferred income tax liabilities to noncurrent deferred income tax liabilities.

In assessing the realizability of deferred tax assets, the Company considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. The Company considers projected future taxable income, carryback opportunities and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, the Company believes it is more likely than not that it will realize the benefits of these deductible differences, net of the valuation allowances recorded. During the year ended December 31, 2015, the Company decreased its valuation allowance by $17.4 million which relates primarily to a reduction in valuation allowance on the Yodlee investment and a reduction in valuation allowance on domestic state and foreign net operating loses that are now expected to be utilized before they expire, partially offset by an increase in valuation allowance related to foreign tax credits.

At December 31, 2015, the Company had domestic federal tax net operating losses (“NOLs”) of $273.7 million which will begin to expire in 2017. The Company had domestic state tax net operating losses (“NOLs”) of $12.4 million which will begin to expire in 2018. The Company does not have any valuation allowance against the federal tax NOLs, but has provided a $6.2 million valuation allowance against the tax benefit associated with the state NOLs. The Company had foreign tax NOLs of $31.3 million, of which $30.0 million may be utilized over an indefinite life, with the remainder expiring over the next 10 years. The Company has provided a $0.5 million valuation allowance against the tax benefit associated with the foreign NOLs.

The Company had U.S. foreign tax credit carryforwards at December 31, 2015 of $31.9 million, for which a $10.7 million valuation allowance has been provided. The U.S. foreign tax credits will begin to expire in 2016. The Company also had domestic federal and state general business credit carryforwards at December 31, 2015 of $10.4 million and $1.6 million, respectively, which will begin to expire in 2020.

The unrecognized tax benefit at December 31, 2015 and December 31, 2014 was $21.1 million and $14.8 million, respectively, all of which is included in other noncurrent liabilities in the consolidated balance sheet. Of these amounts, $20.0 million and $13.0 million, respectively, represent the net unrecognized tax benefits that, if recognized, would favorably impact the effective income tax rate in respective years.

A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31 is as follows (in thousands):


	2015			2014			2013

Balance of unrecognized tax benefits at beginning of year	$	14,780		$	14,996		$	13,079
Increases for tax positions of prior years		1,449			84			1,560
Decreases for tax positions of prior years		(47	)		(412	)		(327	)
Increases for tax positions established for the current period		9,866			491			1,739
Decreases for settlements with taxing authorities		(594	)		—			(61	)
Reductions resulting from lapse of applicable statute of limitation		(4,218	)		(239	)		(901	)
Adjustment resulting from foreign currency translation		(157	)		(140	)		(93	)

Balance of unrecognized tax benefits at end of year	$	21,079		$	14,780		$	14,996

The Company files income tax returns in the U.S. federal jurisdiction, various state and local jurisdictions, and many foreign jurisdictions. The U.S., Australia, Canada, India, Ireland, South Africa, and United Kingdom are the main taxing jurisdictions in which the Company operates. The years open for audit vary depending on the tax jurisdiction. In the U.S., the Company’s tax returns for years following 2011 are open for audit. In the foreign jurisdictions, the tax returns open for audit generally vary by jurisdiction between 2002 and 2014.

The Company’s Indian income tax returns covering fiscal years 2002 through 2007 and 2010 through 2013 are under audit by the Indian tax authority. Other foreign subsidiaries could face challenges from various foreign tax authorities. It is not certain that the local authorities will accept the Company’s tax positions. The Company believes its tax positions comply with applicable tax law and intends to vigorously defend its positions. However, differing positions on certain issues could be upheld by tax authorities, which could adversely affect the Company’s financial condition and results of operations.

The Company believes it is reasonably possible that the total amount of unrecognized tax benefits will decrease within the next 12 months by approximately $2.0 million due to the settlement of various audits and the expiration of statutes of limitations. The Company accrues interest related to uncertain tax positions in interest expense or interest income and recognizes penalties related to uncertain tax positions in other income or other expense. As of December 31, 2015 and December 31, 2014, $2.2 million and $2.4 million, respectively is accrued for the payment of interest and penalties related to income tax liabilities. The aggregate amount of interest and penalties recorded in the statement of income for the years ended December 31, 2015, 2014, and 2013 is $(0.1) million, $0.2 million, and $0.4 million, respectively.

The undistributed earnings of the Company’s foreign subsidiaries of approximately $252.8 million are considered to be permanently reinvested. Accordingly, no provision for U.S. federal and state income taxes or foreign withholding taxes has been provided for such undistributed earnings. The determination of the additional U.S. federal and state income taxes or foreign withholding taxes that have not been provided is not practicable.

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Commitments and Contingencies

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

14.

Commitments and Contingencies

In accordance with ASC 460, Guarantees, the Company recognizes the fair value for guarantee and indemnification arrangements it issues or modifies, if these arrangements are within the scope of the interpretation. In addition, the Company must continue to monitor the conditions that are subject to the guarantees and indemnifications as required under the previously existing generally accepted accounting principles, in order to identify if a loss has occurred. If the Company determines it is probable that a loss has occurred, then any such estimable loss would be recognized under those guarantees and indemnifications. Under its customer agreements, the Company may agree to indemnify, defend and hold harmless its customers from and against certain losses, damages and costs arising from claims alleging that the use of its software infringes the intellectual property of a third-party. Historically, the Company has not been required to pay material amounts in connection with claims asserted under these provisions and accordingly, the Company has not recorded a liability relating to such provisions.

Under its customer agreements, the Company also may represent and warrant to customers that its software will operate substantially in conformance with its documentation and that the services the Company performs will be performed in a workmanlike manner, by personnel reasonably qualified by experience and expertise to perform their assigned tasks. Historically, only minimal costs have been incurred relating to the satisfaction of warranty claims. In addition, from time to time, the Company may guarantee the performance of a contract on behalf of one or more of its subsidiaries, or a subsidiary may guarantee the performance of a contract on behalf of another subsidiary.

Other guarantees include promises to indemnify, defend and hold harmless the Company’s executive officers, directors and certain other key officers. The Company’s certificate of incorporation provides that it will indemnify, and advance expenses to, its directors and officers to the maximum extent permitted by Delaware law. The indemnification covers any expenses and liabilities reasonably incurred by a person, by reason of the fact that such person is or was or has agreed to be a director or officer, in connection with the investigation, defense and settlement of any threatened, pending or completed action, suit, proceeding or claim. The Company’s certificate of incorporation authorizes the use of indemnification agreements and the Company enters into such agreements with its directors and certain officers from time to time. These indemnification agreements typically provide for a broader scope of the Company’s obligation to indemnify the directors and officers than set forth in the certificate of incorporation. The Company’s contractual indemnification obligations under these agreements are in addition to the respective directors’ and officers’ rights under the certificate of incorporation or under Delaware law.

Operating Leases

The Company leases office space and equipment under operating leases that run through October 2028. The leases that the Company has entered into do not impose restrictions as to the Company’s ability to pay dividends or borrow funds, or otherwise restrict the Company’s ability to conduct business. On a limited basis, certain of the lease arrangements include escalation clauses which provide for rent adjustments due to inflation changes with the expense recognized on a straight-line basis over the term of the lease. Lease payments subject to inflation adjustments do not represent a significant portion of the Company’s future minimum lease payments. A number of the leases provide renewal options, but in all cases such renewal options are at the election of the Company. Certain of the lease agreements provide the Company with the option to purchase the leased equipment at its fair market value at the conclusion of the lease term.

Total operating lease expense for the years ended December 31, 2015, 2014, and 2013 was $26.6 million, $26.7 million, and $30.9 million, respectively.

Aggregate minimum operating lease payments under these agreements in future fiscal years are as follows (in thousands):


Fiscal Year Ending December 31,	Operating Leases
2016	$	17,261
2017		14,040
2018		13,096
2019		11,606
2020		9,183
Thereafter		21,012

Total minimum lease payments	$	86,198

Legal Proceedings

On September 23, 2015, a jury verdict was returned against ACI Worldwide Corp. (“ACI Corp.”), a subsidiary of the Company, for $43.8 million in connection with counterclaims brought by Baldwin Hackett & Meeks, Inc. (“BHMI”) in the District Court of Douglas County, Nebraska. On September 21, 2012, ACI Corp. had sued BHMI for misappropriation of ACI Corp.’s trade secrets. The jury found that ACI Corp. had not met its burden of proof regarding these claims. On March 6, 2013, BHMI asserted counterclaims for breach of a non-disclosure agreement, tortious interference and violation of the Nebraska anti-monopoly statute, all of which were alleged to arise out of ACI Corp.’s filing of its lawsuit. On September 23, 2015, the jury found for BHMI on its counterclaims and awarded $43.8 million in damages. On January 5, 2016, the court entered a judgment against ACI Corp. for $43.8 million for damages and $2.7 million for attorney fees and costs. ACI Corp. disagrees with the verdicts and judgment, and ACI Corp. has filed post-judgment motions and intends to appeal the dismissal of its claims against BHMI and the verdicts and judgment in favor of BHMI on its counterclaims. While there necessarily can be no assurance of the result of the litigation, the Company has determined that it does not have a probable loss with respect to this litigation and that the amount of loss, if any, cannot be reasonably estimated. Accordingly, the Company has not accrued for this litigation.

Indemnities

Under certain customer contracts, the Company indemnifies customers for certain matters including third party claims of intellectual property infringement relating to the use of our products. Our maximum potential exposure under indemnification arrangements can range from a specified dollar amount to an unlimited amount, depending on the nature of the transactions and the agreements. The Company has recorded an accrual for estimated losses for demands for indemnification that have been tendered by certain customers. The Company does not have any reason to believe that we will be required to make any material payments under these indemnity provisions in excess of the balance accrued at December 31, 2015.

XML 37 R23.htm IDEA: XBRL DOCUMENT

Accumulated Other Comprehensive Loss

12 Months Ended

Dec. 31, 2015

Equity [Abstract]

Accumulated Other Comprehensive Loss

15. Accumulated Other Comprehensive Loss

Activity within accumulated other comprehensive loss for the three years ended December 31, 2015, 2014, and 2013 were as follows:


	Unrealized gain on available-for-sale securities			Foreign currency translation			Accumulated other comprehensive loss
Balance at December 31, 2012	$	—		$	(14,031	)	$	(14,031	)
Other comprehensive loss		—			(9,284	)		(9,284	)

Balance at December 31, 2013		—			(23,315	)		(23,315	)
Other comprehensive income (loss)		22,977			(19,545	)		3,432

Balance at December 31, 2014		22,977			(42,860	)		(19,883	)
Other comprehensive income (loss)		(22,977	)		(28,716	)		(51,693	)

Balance at December 31, 2015	$	—		$	(71,576	)	$	(71,576	)

- Definition

The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e716-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e709-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Reclassification Adjustments
-URI http://asc.fasb.org/extlink&oid=6522872

+ Details

XML 38 R24.htm IDEA: XBRL DOCUMENT

Quarterly Financial Data

12 Months Ended

Dec. 31, 2015

Quarterly Financial Information Disclosure [Abstract]

Quarterly Financial Data

16.

Quarterly Financial Data (unaudited)


	Quarter Ended												Year Ended
	March 31,			June 30,			September 30,			December 31,			December 31,
(in thousands, except per share amounts)	2015			2015			2015			2015			2015

Revenues:
License	$	39,577		$	67,161		$	50,237		$	94,230		$	251,205
Maintenance		59,492			60,141			59,262			63,000			241,895
Services		23,497			23,110			25,842			34,371			106,820
Hosting		110,251			115,410			103,360			117,036			446,057

Total revenues		232,817			265,822			238,701			308,637			1,045,977


Operating expenses:
Cost of license (1)		6,109			5,939			5,387			5,810			23,245
Cost of maintenance, services and hosting (1)		113,013			120,484			104,272			111,285			449,054
Research and development		37,091			39,425			36,123			33,285			145,924
Selling and marketing		28,911			31,298			28,451			40,747			129,407
General and administrative		21,575			25,008			20,284			20,552			87,419
Depreciation and amortization		19,693			20,004			20,298			22,985			82,980

Total operating expenses		226,392			242,158			214,815			234,664			918,029


Operating income		6,425			23,664			23,886			73,973			127,948

Other income (expense):
Interest expense		(10,941	)		(10,505	)		(9,728	)		(10,198	)		(41,372	)
Interest income		102			58			94			132			386
Other, net		3,722			19,659			4,314			(1,284	)		26,411

Total other income (expense)		(7,117	)		9,212			(5,320	)		(11,350	)		(14,575	)


Income (loss) before income taxes		(692	)		32,876			18,566			62,623			113,373
Income tax expense (benefit)		(530	)		5,825			3,786			18,856			27,937

Net income (loss)	$	(162	)	$	27,051		$	14,780		$	43,767		$	85,436


Earnings (loss) per share
Basic	$	0.00		$	0.23		$	0.13		$	0.37		$	0.73
Diluted	$	0.00		$	0.23		$	0.12		$	0.36		$	0.72

(1)	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.


	Quarter Ended												Year Ended
(in thousands, except per share amounts)	March 31, 2014			June 30, 2014			September 30, 2014			December 31, 2014			December 31, 2014

Revenues:
License	$	35,702		$	61,377		$	57,653		$	80,425		$	235,157
Maintenance		62,499			62,309			63,764			67,421			255,993
Services		22,588			24,991			28,194			29,811			105,584
Hosting		100,684			106,131			100,033			112,567			419,415

Total revenues		221,473			254,808			249,644			290,224			1,016,149


Operating expenses:
Cost of license (1)		5,736			6,897			5,433			6,499			24,565
Cost of maintenance, services and hosting (1)		107,887			112,595			105,319			104,390			430,191
Research and development		37,456			38,876			36,321			31,554			144,207
Selling and marketing		27,909			28,007			27,078			29,053			112,047
General and administrative		25,116			24,682			25,329			19,938			95,065
Depreciation and amortization		17,078			17,010			18,295			19,519			71,902

Total operating expenses		221,182			228,067			217,775			210,953			877,977


Operating income		291			26,741			31,869			79,271			138,172

Other income (expense):
Interest expense		(9,175	)		(9,329	)		(10,416	)		(10,818	)		(39,738	)
Interest income		199			135			98			143			575
Other, net		(1,057	)		(3,901	)		3,614			1,104			(240	)

Total other income (expense)		(10,033	)		(13,095	)		(6,704	)		(9,571	)		(39,403	)


Income (loss) before income taxes		(9,742	)		13,646			25,165			69,700			98,769
Income tax expense (benefit)		(3,967	)		2,409			9,433			23,334			31,209

Net income (loss)	$	(5,775	)	$	11,237		$	15,732		$	46,366		$	67,560


Earnings (loss) per share
Basic	$	(0.05	)	$	0.10		$	0.14		$	0.40		$	0.59
Diluted	$	(0.05	)	$	0.10		$	0.14		$	0.40		$	0.58

(1)	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

XML 39 R25.htm IDEA: XBRL DOCUMENT

Subsequent Event

12 Months Ended

Dec. 31, 2015

Subsequent Events [Abstract]

Subsequent Event

17.

Subsequent Event

On January 20, 2016, the Company and Fiserv, Inc. (“Fiserv”) entered into a definitive agreement (the “Agreement”) providing for the sale of its Community Financial Services products and their related identified assets and liabilities for $200.0 million, subject to certain working capital adjustments, on the terms and conditions described in the Agreement.

The consummation of the Agreement is subject to the satisfaction of customary conditions, including the expiration of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, ACI’s delivery of specified third-party consents and the absence of a material adverse change. Either party may terminate the Agreement under certain circumstances, including, a failure of the transaction to close on or prior to June 30, 2016 or such other date as may be mutually agreed upon by the parties, and certain breaches of representations and warranties or covenants of the other party.

XML 40 R26.htm IDEA: XBRL DOCUMENT

Nature of Business and Summary of Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Nature of Business

Nature of Business

Consolidated Financial Statements

Consolidated Financial Statements

Capital Stock

Capital Stock

Noncontrolling Interest

Noncontrolling Interest

Use of Estimates

Use of Estimates

Revenue Recognition, Receivables and Deferred Revenue

Revenue Recognition, Receivables and Deferred Revenue


	Years Ended December 31,
	2015		2014		2013
License	$	7,797	$	22,211	$	22,190
Maintenance		3,801		7,699		9,649
Services		321		13		10

Total	$	11,919	$	29,923	$	31,849


	December 31,
	2015			2014
Billed Receivables	$	192,045		$	200,392
Allowance for doubtful accounts		(5,045	)		(4,806	)

Billed, net		187,000			195,586
Accrued Receivables		32,116			31,520

Receivables, net	$	219,116		$	227,106

No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2015 or 2014.

The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands):


	Years Ended December 31,
	2015			2014			2013
Balance, beginning of period	$	(4,806	)	$	(4,459	)	$	(8,117	)
Provision (increase) decrease		(2,425	)		(1,049	)		1,161
Amounts written off, net of recoveries		2,088			1,053			2,296
Foreign currency translation adjustments and other		98			(351	)		201

Balance, end of period	$	(5,045	)	$	(4,806	)	$	(4,459	)

Cash and Cash Equivalents

Cash and Cash Equivalents

Other Current Assets and Other Current Liabilities

Other Current Assets and Other Current Liabilities


	December 31,
	2015		2014
Settlement deposits	$	5,357	$	13,252
Settlement receivables		7,961		11,032
Current debt issuance costs		5,583		6,244
Other		8,319		9,889

Total other current assets	$	27,220	$	40,417


	December 31,
	2015		2014
Settlement payables	$	11,250	$	21,715
Accrued interest		7,501		7,256
Vendor financed licenses		15,723		7,340
Royalties payable		4,910		4,070
Other		35,841		27,124

Total other current liabilities	$	75,225	$	67,505

Off Balance Sheet Settlement Accounts

Off Balance Sheet Settlement Accounts

Property and Equipment

Property and Equipment


	Useful Lives	2015			2014
Computer and office equipment	3 to 5 years	$	92,237		$	81,850
Leasehold improvements	Lesser of useful life of improvement or remaining life of lease		19,380			17,193
Furniture and fixtures	7 years		11,304			11,202
Building and improvements	7 - 30 years		10,340			8,884
Land	Non-depreciable		1,785			1,785

			135,046			120,914
Less: accumulated depreciation and amortization			(74,416	)		(60,554	)

Property and equipment, net		$	60,630		$	60,360

Software

Software

Business Combinations

Business Combinations

Goodwill and Other Intangibles

Goodwill and Other Intangibles

Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2013	$	488,698		$	160,158		$	67,793		$	716,649
Total impairment prior to December 31, 2013		(47,432	)		—			—			(47,432	)

Balance, December 31, 2013		441,266			160,158			67,793			669,217
Goodwill from acquisitions (1)		36,623			84,515			—			121,138
Foreign currency translation adjustments		(1,407	)		(4,370	)		(3,415	)		(9,192	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (2)		2,462			139,825			—			142,287
Foreign currency translation adjustments		(1,803	)		(3,301	)		(5,085	)		(10,189	)

Balance, December 31, 2015	$	477,141		$	376,827		$	59,293		$	913,261

(1)	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions.

(2)

Impairment of Long-Lived Assets

Impairment of Long-Lived Assets

Treasury Stock

Treasury Stock

Stock-Based Compensation Plans

Stock-Based Compensation Plans

Translation of Foreign Currencies

Translation of Foreign Currencies

Income Taxes

Income Taxes

Recently Issued Accounting Standards

Recently Issued Accounting Standards

Fair Value of Financial Instruments

•

Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

•

Earnings per share

Segment Information

XML 41 R27.htm IDEA: XBRL DOCUMENT

Nature of Business and Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Revenues in Condensed Consolidated Statements of Operations from Arrangements for which Vendor-Specific Objective Evidence of Fair Value Does Not Exist for Each Undelivered Element


	Years Ended December 31,
	2015		2014		2013
License	$	7,797	$	22,211	$	22,190
Maintenance		3,801		7,699		9,649
Services		321		13		10

Total	$	11,919	$	29,923	$	31,849

Receivables and Concentration of Credit Risk


	December 31,
	2015			2014
Billed Receivables	$	192,045		$	200,392
Allowance for doubtful accounts		(5,045	)		(4,806	)

Billed, net		187,000			195,586
Accrued Receivables		32,116			31,520

Receivables, net	$	219,116		$	227,106

Activity in Allowance for Doubtful Accounts Receivable

The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands):


	Years Ended December 31,
	2015			2014			2013
Balance, beginning of period	$	(4,806	)	$	(4,459	)	$	(8,117	)
Provision (increase) decrease		(2,425	)		(1,049	)		1,161
Amounts written off, net of recoveries		2,088			1,053			2,296
Foreign currency translation adjustments and other		98			(351	)		201

Balance, end of period	$	(5,045	)	$	(4,806	)	$	(4,459	)

Components of Other Current Assets and Other Current Liabilities

Other Current Assets and Other Current Liabilities


	December 31,
	2015		2014
Settlement deposits	$	5,357	$	13,252
Settlement receivables		7,961		11,032
Current debt issuance costs		5,583		6,244
Other		8,319		9,889

Total other current assets	$	27,220	$	40,417


	December 31,
	2015		2014
Settlement payables	$	11,250	$	21,715
Accrued interest		7,501		7,256
Vendor financed licenses		15,723		7,340
Royalties payable		4,910		4,070
Other		35,841		27,124

Total other current liabilities	$	75,225	$	67,505

Property and Equipment Estimated Useful Lives

As of December 31, 2015 and 2014, net property and equipment consisted of the following (in thousands):


	Useful Lives	2015			2014
Computer and office equipment	3 to 5 years	$	92,237		$	81,850
Leasehold improvements	Lesser of useful life of improvement or remaining life of lease		19,380			17,193
Furniture and fixtures	7 years		11,304			11,202
Building and improvements	7 - 30 years		10,340			8,884
Land	Non-depreciable		1,785			1,785

			135,046			120,914
Less: accumulated depreciation and amortization			(74,416	)		(60,554	)

Property and equipment, net		$	60,630		$	60,360

Changes in Carrying Amount of Goodwill

Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2013	$	488,698		$	160,158		$	67,793		$	716,649
Total impairment prior to December 31, 2013		(47,432	)		—			—			(47,432	)

Balance, December 31, 2013		441,266			160,158			67,793			669,217
Goodwill from acquisitions (1)		36,623			84,515			—			121,138
Foreign currency translation adjustments		(1,407	)		(4,370	)		(3,415	)		(9,192	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (2)		2,462			139,825			—			142,287
Foreign currency translation adjustments		(1,803	)		(3,301	)		(5,085	)		(10,189	)

Balance, December 31, 2015	$	477,141		$	376,827		$	59,293		$	913,261

(1)	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions.

(2)

XML 42 R28.htm IDEA: XBRL DOCUMENT

Acquisitions (Tables)

12 Months Ended

Dec. 31, 2015

PAY.ON

Purchase Price of Pay.ON at Acquisition Date

The purchase price of PAY.ON as of the date of the acquisition was comprised of (in thousands):


	Amount
Cash payments to PAY.ON shareholders	$	180,994
Issuance of ACI common stock		5,379

Total purchase price	$	186,373

Fiscal 2015 Acquisitions

Preliminary Purchase Price Allocation


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives	PAY.ON
Current assets:
Cash and cash equivalents		$	1,627
Receivables, net of allowance			2,658
Other current assets			581

Total current assets acquired			4,866


Noncurrent assets:
Property and equipment			424
Goodwill			140,015
Software	5 years		34,213
Customer relationships	15 years		22,418
Trademarks	5 years		2,500
Other noncurrent assets			6

Total assets acquired			204,442


Current liabilities:
Accounts payable			1,125
Employee compensation			555
Other current liabilities			1,115

Total current liabilities acquired			2,795


Noncurrent liabilities:
Deferred income taxes			15,274

Total liabilities acquired			18,069

Net assets acquired		$	186,373

Retail Decisions [Member]

Preliminary Purchase Price Allocation

In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015.


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives	Retail Decisions
Current assets:
Cash and cash equivalents		$	795
Receivables, net of allowance			10,106
Deferred income taxes, net			514
Other current assets			10,282

Total current assets acquired			21,697


Noncurrent assets:
Property and equipment			3,354
Goodwill			137,915
Software	5-7 years		33,136
Customer relationships	18 years		50,480
Trademarks	5 years		3,980
Deferred income taxes			51
Other noncurrent assets			416

Total assets acquired			251,029


Current liabilities:
Accounts payable			4,624
Employee compensation			6,046
Other current liabilities			11,683

Total current liabilities acquired			22,353


Noncurrent liabilities:
Deferred income taxes			23,427
Other noncurrent liabilities			164

Total liabilities acquired			45,944

Net assets acquired		$	205,085

Fiscal 2013 Acquisitions

Preliminary Purchase Price Allocation


	Weighted-Average Useful Lives	Official Payments Holdings, Inc.		Online Resourses Corporation		PTESA
Current assets:
Cash and cash equivalents		$	25,871	$	9,930	$	193
Billed and accrued receivables, net			2,858		19,394		327
Deferred income taxes, net			4,692		11,726		—
Other current assets			27,642		17,643		95

Total current assets acquired			61,063		58,693		615


Noncurrent assets:
Property and equipment			6,340		7,335		6
Goodwill			29,236		122,247		7,113
Software	10 years		26,125		62,215		—
Customer relationships	14 - 15 years		47,400		68,750		7,732
Trademarks	3 - 5 years		3,000		3,050		—
Other noncurrent assets			19,178		459		7

Total assets acquired			192,342		322,749		15,473


Current liabilities:
Accounts payable			9,414		15,394		341
Accrued employee compensation			15,006		10,549		261
Note payable			—		7,500		—
Other current liabilities			27,312		7,559		—

Total current liabilities acquired			51,732		41,002		602


Noncurrent liabilities:
Deferred income taxes, net			—		18,290		225
Other noncurrent liabilities acquired			828		3,339		439

Total liabilities acquired			52,560		62,631		1,266

Net assets acquired		$	139,782	$	260,118	$	14,207

XML 43 R29.htm IDEA: XBRL DOCUMENT

Software and Other Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Carrying Amount and Accumulated Amortization of Other Intangible Assets

The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows (in thousands):


	December 31, 2015							December 31, 2014
	Gross Carrying Amount		Accumulated Amortization			Net Balance		Gross Carrying Amount		Accumulated Amortization			Net Balance
Customer relationships	$	336,075	$	(86,585	)	$	249,490	$	322,216	$	(68,616	)	$	253,600
Trademarks and tradenames		18,040		(10,605	)		7,435		15,767		(7,946	)		7,821
Purchased Contracts		10,690		(10,690	)		—		10,768		(10,768	)		—
Covenant not to compete		420		(420	)		—		433		(418	)		15

	$	365,225	$	(108,300	)	$	256,925	$	349,184	$	(87,748	)	$	261,436

Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Software and Other Intangible Assets


Fiscal Year Ending December 31,	Software Amortization		Other Intangible Assets Amortization
2016	$	59,446	$	23,242
2017		51,795		21,742
2018		39,812		21,234
2019		30,934		20,645
2020		26,451		19,722
Thereafter		29,503		150,340

Total	$	237,941	$	256,925

XML 44 R30.htm IDEA: XBRL DOCUMENT

Debt (Tables)

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Maturities on Long-Term Debt Outstanding

Maturities on long-term debt outstanding at December 31, 2015 are as follows (amounts in thousands):


Fiscal year ending December 31,

2016	$	95,293
2017		95,293
2018		447,997
2019		—
2020		300,000

Total	$	938,583

Carrying Value of Debt


	December 31,
	2015		2014
Term credit facility	$	460,583	$	547,935
Revolving credit facility		178,000		44,000
6.375% Senior Notes, due August 2020		300,000		300,000

Total debt		938,583		891,935
Less current portion of term credit facility		95,293		87,352

Total long-term debt	$	843,290	$	804,583

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=34725769&loc=d3e28878-108400

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21538-112644

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28541-108399

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21521-112644

+ Details

XML 45 R31.htm IDEA: XBRL DOCUMENT

Corporate Restructuring and Other Organizational Changes (Tables)

12 Months Ended

Dec. 31, 2015

Restructuring and Related Activities [Abstract]

Components of Corporate Restructuring and Other Reorganization Activities from Recent Acquisitions

The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table (in thousands):


	Severance			Facility Closures			Total
Balance, December 31, 2013	$	1,470		$	1,871		$	3,341
Restructuring charges (adjustments) incurred, net		8,671			(136	)		8,535
Amounts paid during the period		(7,741	)		(1,283	)		(9,024	)
Foreign currency translation adjustments		(59	)		—			(59	)

Balance, December 31, 2014		2,341			452			2,793
Restructuring charges (adjustments) incurred, net		1,339			—			1,339
Amounts paid during the period		(2,872	)		(184	)		(3,056	)
Foreign currency translation adjustments		(31	)		—			(31	)

Balance, December 31, 2015	$	777		$	268		$	1,045

XML 46 R32.htm IDEA: XBRL DOCUMENT

Earnings Per Share (Tables)

12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Reconciliation of Average Share Amounts used to Compute Both Basic and Diluted Earnings Per Share

The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands):


	Years Ended December 31,
	2015		2014		2013
Weighted average shares outstanding:
Basic weighted average shares outstanding		117,465		114,798		117,885
Add: Dilutive effect of stock options, restricted stock awards and other dilutive securities		1,454		1,973		2,169

Diluted weighted average shares outstanding		118,919		116,771		120,054

XML 47 R33.htm IDEA: XBRL DOCUMENT

Other, net (Tables)

12 Months Ended

Dec. 31, 2015

Other Income and Expenses [Abstract]

Other, Net

Other, net is comprised of the following items (in thousands):


	Years Ended December 31,
	2015		2014			2013
Foreign currency transaction gains (losses)	$	1,946	$	(67	)	$	(2,697	)
Realized gain on available-for-sale securities		24,465		—			—
Other		—		(173	)		(630	)

Total	$	26,411	$	(240	)	$	(3,327	)

XML 48 R34.htm IDEA: XBRL DOCUMENT

Segment Information (Tables)

12 Months Ended

Dec. 31, 2015

Segment Reporting [Abstract]

Selected Segment Financial Data, Revenues and Income (Loss) Before Income Taxes

The following is selected segment financial data for the periods indicated (in thousands):


	Years Ended December 31,
	2015			2014			2013
Revenues:
Americas - United States	$	628,013		$	614,488		$	450,251
Americas - Other		82,548			87,279			91,639
EMEA		250,568			230,879			228,679
Asia/Pacific		84,848			83,503			94,359

	$	1,045,977		$	1,016,149		$	864,928


Depreciation and amortization expense:
Americas	$	24,966		$	20,548		$	17,030
EMEA		3,670			4,126			6,310
Asia/Pacific		1,751			1,809			2,574
Corporate		67,044			60,200			44,053

	$	97,431		$	86,683		$	69,967


Stock-based compensation expense:
Americas	$	1,638		$	2,910		$	2,392
EMEA		1,223			419			759
Asia/Pacific		36			249			293
Corporate		15,483			7,467			10,128

	$	18,380		$	11,045		$	13,572


Income (loss) before taxes:
Americas	$	111,382		$	143,379		$	145,496
EMEA		132,518			116,120			87,522
Asia/Pacific		41,658			38,853			33,923
Corporate		(172,185	)		(199,583	)		(173,782	)

	$	113,373		$	98,769		$	93,159

Selected Segment Financial Data, Assets


	December 31,
	2015		2014
Long lived assets:
Americas - United States	$	923,871	$	929,459
Americas - Other		11,643		15,337
EMEA		502,785		360,033
Asia/Pacific		72,957		77,416

	$	1,511,256	$	1,382,245


	December 31,
	2015		2014
Total assets:
Americas - United States	$	1,196,733	$	1,210,673
Americas - Other		33,492		32,595
EMEA		643,275		487,629
Asia/Pacific		116,712		119,803

	$	1,990,212	$	1,850,700

Revenues, by Product Line

Following are revenues, by product and services (in thousands):


	Years Ended December 31,
	2015		2014		2013
Retail payments processing	$	402,454	$	406,023	$	410,200
Billers		241,949		235,039		101,981
Online banking and community financial services		219,698		227,659		223,902
Tools and infrastructure		42,783		40,427		38,241
Wholesale banking payments		41,545		37,879		35,396
Payment fraud management		27,373		36,235		37,136
Card and merchant management		70,175		32,887		18,072

Total	$	1,045,977	$	1,016,149	$	864,928

XML 49 R35.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans (Tables)

12 Months Ended

Dec. 31, 2015

Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions

A summary of stock options issued under the various Stock Incentive Plans previously described and changes is as follows:


	Number of Shares			Weighted- Average Exercise Price ($)		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinsic Value of In-the-Money Options ($)
Outstanding, December 31, 2012		8,905,746		$	9.05
Granted		1,208,019			19.30
Exercised		(2,478,183	)		7.81
Forfeited		(225,474	)		12.79
Expired		(1,287	)		9.65

Outstanding, December 31, 2013		7,408,821			11.02
Granted		27,132			20.13
Exercised		(2,036,558	)		8.08
Forfeited		(116,702	)		17.80

Outstanding, December 31, 2014		5,282,693			12.06
Granted		2,055,514			19.12
Exercised		(1,144,273	)		10.62
Forfeited		(394,265	)		19.06
Expired		(593	)		20.51

Outstanding, December 31, 2015		5,799,076		$	14.37		6.27	$	40,786,575



Exercisable, December 31, 2015		3,744,383		$	11.67		4.82	$	36,424,252

Summary of Nonvested Restricted Share Awards and Changes During Period

A summary of nonvested RSAs are as follows:


Nonvested Restricted Share Awards	Restricted Share Awards			Grant Date Fair Value
Nonvested at December 31, 2012		207,714		$	13.67
Granted		25,989			16.10
Vested		(88,638	)		12.35

Nonvested at December 31, 2013		145,065			14.91
Granted		106,275			18.57
Vested		(66,670	)		14.59
Forfeited		(1,461	)		20.51

Nonvested at December 31, 2014		183,209			17.11
Granted		125,026			23.82
Vested		(158,973	)		17.21

Nonvested at December 31, 2015		149,262		$	22.62

Online Resources Corporation

Summary of Transaction Stock Options Issued Pursuant to Stock Incentive Plans

A summary of transaction stock options issued pursuant to the Company’s stock incentive plans is as follows:


	Number of Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinsic Value of In-the-Money Options
Outstanding as of December 31, 2012		—		$	—
Transaction stock options converted upon acquisition of ORCC		112,404			30.64
Exercised		(15,501	)		13.92
Cancelled		(34,458	)		30.21

Outstanding as of December 31, 2013		62,445			35.03
Exercised		(909	)		13.92
Cancelled		(15,024	)		31.03

Outstanding as of December 31, 2014		46,512			36.73
Exercised		(1,926	)		13.92
Cancelled		(23,550	)		44.83

Outstanding as of December 31, 2015		21,036		$	29.76		1.68	$	37,587


Exercisable as of December 31, 2015		21,036		$	29.76		1.68	$	37,587

Black-Scholes Option-Pricing Model [Member]

Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions


	Years Ended December 31,
	2015			2014			2013
Expected life (years)		5.9			5.9			6.2
Risk-free interest rate		1.4	%		1.8	%		1.6	%
Expected volatility		32.1	%		45.2	%		46.0	%
Expected dividend yield		—			—			—

Monte Carlo Simulation [Member]

Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions

With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions:


	Year Ended December 31, 2015
Expected life (years)		7.5
Risk-free interest rate		1.7	%
Expected volatility		41.9	%
Expected dividend yield		—

LTIP Performance Shares [Member]

Summary of Nonvested Performance-Based Share Awards and Changes During Period

A summary of the nonvested LTIP Performance Shares is as follows:


Nonvested LTIP Performance Shares	Number of Shares at Expected Attainment			Weighted- Average Grant Date Fair Value
Nonvested at December 31, 2012		3,304,452		$	9.38
Granted		798,306			20.30
Vested		(982,728	)		5.61
Forfeited		(188,511	)		12.33
Change in expected attainment for 2010 grants		(212,943	)		8.88

Nonvested at December 31, 2013		2,718,576			13.78
Granted		19,065			20.13
Vested		(635,643	)		8.88
Forfeited		(111,599	)		16.43
Change in expected attainment for 2012 and 2013 grants		(844,483	)		15.86

Nonvested at December 31, 2014		1,145,916			14.84
Granted		1,025,863			19.12
Vested		(548,671	)		9.75
Forfeited		(205,510	)		19.39
Change in expected attainment for 2011 and 2013 grants		(528,303	)		19.44

Nonvested at December 31, 2015		889,295		$	19.13

S1 Corporation 2003 Stock Incentive Plan [Member]

Summary of Nonvested Restricted Share Awards and Changes During Period

A summary of nonvested Transaction RSAs issued under the S1 2003 Stock Incentive Plan as of December 31, 2015 and changes during the period are as follows:


Nonvested Transaction Restricted Share Awards	Number of Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2012		150,732		$	11.80
Vested		(35,598	)		11.80
Forfeited		(57,582	)		11.80

Nonvested as of December 31, 2013		57,552			11.80
Vested		(19,822	)		11.80
Forfeited		(20,165	)		11.80

Nonvested as of December 31, 2014		17,565			11.80
Vested		(13,201	)		11.80
Forfeited		(4,364	)		11.80

Nonvested as of December 31, 2015		—		$	—

Performance-Based Restricted Share Awards

Summary of Nonvested Performance-Based Share Awards and Changes During Period

A summary of nonvested PBRSAs as of December 31, 2015 and changes during the period are as follows:


Nonvested Performance-Based Restricted Share Awards	Number of Performance-Based Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2014		—		$	—
Granted		978,365			23.45
Forfeited		(39,502	)		24.24

Nonvested as of December 31, 2015		938,863		$	23.42

Restricted share awards (RSAs) [Member] | PAY.ON

Summary of Nonvested Restricted Share Awards and Changes During Period

A summary of nonvested PAY.ON RSAs are as follows:


Nonvested PAY.ON RSAs	Number of PAY.ON RSAs		Grant Date Fair Value
Nonvested at December 31, 2014		—	$	—
Granted		476,750		23.60

Nonvested at December 31, 2015		476,750	$	23.60

XML 50 R36.htm IDEA: XBRL DOCUMENT

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Components of Income Before Income Taxes

For financial reporting purposes, income before income taxes includes the following components (in thousands):


	Years Ended December 31,
	2015		2014		2013
United States	$	52,563	$	47,963	$	47,640
Foreign		60,810		50,806		45,519

Total	$	113,373	$	98,769	$	93,159

Income Tax Expense (Benefit)

The expense (benefit) for income taxes consists of the following (in thousands):


	Years Ended December 31,
	2015			2014			2013
Federal
Current	$	(6,889	)	$	7,895		$	7,509
Deferred		18,024			7,021			9,491

Total		11,135			14,916			17,000
State
Current		379			1,542			2,492
Deferred		(4,096	)		(2,397	)		(1,687	)

Total		(3,717	)		(855	)		805
Foreign
Current		15,117			13,335			9,717
Deferred		5,402			3,813			1,769

Total		20,519			17,148			11,486

Total	$	27,937		$	31,209		$	29,291

Summary of Differences Between Income Tax Expense Computed at Statutory Federal Income Tax Rate and Per Consolidated Statements of Income

Differences between the income tax expense computed at the statutory federal income tax rate and per the consolidated statements of income are summarized as follows (in thousands):


	Years Ended December 31,
	2015			2014			2013
Tax expense at federal rate of 35%	$	39,680		$	34,569		$	32,606
State income taxes, net of federal benefit		(2,462	)		(544	)		675
Change in valuation allowance		(9,066	)		3,521			(1,615	)
Foreign tax rate differential		(5,710	)		(5,508	)		(4,650	)
Unrecognized tax benefit increase		2,977			65			488
Tax effect of foreign operations		261			(104	)		5,906
Acquisition Costs		—			289			896
Tax benefit of research & development		(871	)		(3,446	)		(4,001	)
Other		3,128			2,367			(1,014	)

Income tax provision	$	27,937		$	31,209		$	29,291

Deferred Tax Assets and Liabilities Result from Differences in Timing of Recognition of Certain Income and Expense Items for Tax and Financial Accounting Purposes


	December 31,
	2015			2014
Deferred income tax assets:
Net operating loss carryforwards	$	112,193		$	150,004
Tax credits		40,614			43,804
Compensation		25,752			24,486
Deferred revenue		25,287			13,486
Tax basis in investments		100			5,601
Other		8,246			9,712

Gross deferred income tax assets		212,192			247,093
Less: valuation allowance		(18,742	)		(36,174	)

Net deferred income tax assets	$	193,450		$	210,919


Deferred income tax liabilities:
Depreciation and amortization	$	(130,645	)	$	(129,825	)

Total deferred income tax liabilities		(130,645	)		(129,825	)

Net deferred income taxes	$	62,805		$	81,094


Deferred income taxes / liabilities included in the balance sheet are:
Deferred income tax asset - noncurrent	$	90,872		$	94,536
Deferred income tax liability - noncurrent		(28,067	)		(13,442	)

Net deferred income taxes	$	62,805		$	81,094

Reconciliation of Beginning and Ending Amount of Unrecognized Tax Benefits

A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31 is as follows (in thousands):


	2015			2014			2013

Balance of unrecognized tax benefits at beginning of year	$	14,780		$	14,996		$	13,079
Increases for tax positions of prior years		1,449			84			1,560
Decreases for tax positions of prior years		(47	)		(412	)		(327	)
Increases for tax positions established for the current period		9,866			491			1,739
Decreases for settlements with taxing authorities		(594	)		—			(61	)
Reductions resulting from lapse of applicable statute of limitation		(4,218	)		(239	)		(901	)
Adjustment resulting from foreign currency translation		(157	)		(140	)		(93	)

Balance of unrecognized tax benefits at end of year	$	21,079		$	14,780		$	14,996

XML 51 R37.htm IDEA: XBRL DOCUMENT

Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Aggregate Minimum Operating Lease Payments

Aggregate minimum operating lease payments under these agreements in future fiscal years are as follows (in thousands):


Fiscal Year Ending December 31,	Operating Leases
2016	$	17,261
2017		14,040
2018		13,096
2019		11,606
2020		9,183
Thereafter		21,012

Total minimum lease payments	$	86,198

XML 52 R38.htm IDEA: XBRL DOCUMENT

Accumulated Other Comprehensive Loss (Tables)

12 Months Ended

Dec. 31, 2015

Equity [Abstract]

Activity within Accumulated Other Comprehensive Loss

Activity within accumulated other comprehensive loss for the three years ended December 31, 2015, 2014, and 2013 were as follows:


	Unrealized gain on available-for-sale securities			Foreign currency translation			Accumulated other comprehensive loss
Balance at December 31, 2012	$	—		$	(14,031	)	$	(14,031	)
Other comprehensive loss		—			(9,284	)		(9,284	)

Balance at December 31, 2013		—			(23,315	)		(23,315	)
Other comprehensive income (loss)		22,977			(19,545	)		3,432

Balance at December 31, 2014		22,977			(42,860	)		(19,883	)
Other comprehensive income (loss)		(22,977	)		(28,716	)		(51,693	)

Balance at December 31, 2015	$	—		$	(71,576	)	$	(71,576	)

XML 53 R39.htm IDEA: XBRL DOCUMENT

Quarterly Financial Data (Tables)

12 Months Ended

Dec. 31, 2015

Quarterly Financial Information Disclosure [Abstract]

Quarterly Financial Data


	Quarter Ended												Year Ended
	March 31,			June 30,			September 30,			December 31,			December 31,
(in thousands, except per share amounts)	2015			2015			2015			2015			2015

Revenues:
License	$	39,577		$	67,161		$	50,237		$	94,230		$	251,205
Maintenance		59,492			60,141			59,262			63,000			241,895
Services		23,497			23,110			25,842			34,371			106,820
Hosting		110,251			115,410			103,360			117,036			446,057

Total revenues		232,817			265,822			238,701			308,637			1,045,977


Operating expenses:
Cost of license (1)		6,109			5,939			5,387			5,810			23,245
Cost of maintenance, services and hosting (1)		113,013			120,484			104,272			111,285			449,054
Research and development		37,091			39,425			36,123			33,285			145,924
Selling and marketing		28,911			31,298			28,451			40,747			129,407
General and administrative		21,575			25,008			20,284			20,552			87,419
Depreciation and amortization		19,693			20,004			20,298			22,985			82,980

Total operating expenses		226,392			242,158			214,815			234,664			918,029


Operating income		6,425			23,664			23,886			73,973			127,948

Other income (expense):
Interest expense		(10,941	)		(10,505	)		(9,728	)		(10,198	)		(41,372	)
Interest income		102			58			94			132			386
Other, net		3,722			19,659			4,314			(1,284	)		26,411

Total other income (expense)		(7,117	)		9,212			(5,320	)		(11,350	)		(14,575	)


Income (loss) before income taxes		(692	)		32,876			18,566			62,623			113,373
Income tax expense (benefit)		(530	)		5,825			3,786			18,856			27,937

Net income (loss)	$	(162	)	$	27,051		$	14,780		$	43,767		$	85,436


Earnings (loss) per share
Basic	$	0.00		$	0.23		$	0.13		$	0.37		$	0.73
Diluted	$	0.00		$	0.23		$	0.12		$	0.36		$	0.72

(1)	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.


	Quarter Ended												Year Ended
(in thousands, except per share amounts)	March 31, 2014			June 30, 2014			September 30, 2014			December 31, 2014			December 31, 2014

Revenues:
License	$	35,702		$	61,377		$	57,653		$	80,425		$	235,157
Maintenance		62,499			62,309			63,764			67,421			255,993
Services		22,588			24,991			28,194			29,811			105,584
Hosting		100,684			106,131			100,033			112,567			419,415

Total revenues		221,473			254,808			249,644			290,224			1,016,149


Operating expenses:
Cost of license (1)		5,736			6,897			5,433			6,499			24,565
Cost of maintenance, services and hosting (1)		107,887			112,595			105,319			104,390			430,191
Research and development		37,456			38,876			36,321			31,554			144,207
Selling and marketing		27,909			28,007			27,078			29,053			112,047
General and administrative		25,116			24,682			25,329			19,938			95,065
Depreciation and amortization		17,078			17,010			18,295			19,519			71,902

Total operating expenses		221,182			228,067			217,775			210,953			877,977


Operating income		291			26,741			31,869			79,271			138,172

Other income (expense):
Interest expense		(9,175	)		(9,329	)		(10,416	)		(10,818	)		(39,738	)
Interest income		199			135			98			143			575
Other, net		(1,057	)		(3,901	)		3,614			1,104			(240	)

Total other income (expense)		(10,033	)		(13,095	)		(6,704	)		(9,571	)		(39,403	)


Income (loss) before income taxes		(9,742	)		13,646			25,165			69,700			98,769
Income tax expense (benefit)		(3,967	)		2,409			9,433			23,334			31,209

Net income (loss)	$	(5,775	)	$	11,237		$	15,732		$	46,366		$	67,560


Earnings (loss) per share
Basic	$	(0.05	)	$	0.10		$	0.14		$	0.40		$	0.59
Diluted	$	(0.05	)	$	0.10		$	0.14		$	0.40		$	0.58

(1)	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

XML 54 R40.htm IDEA: XBRL DOCUMENT

Nature of Business and Summary of Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Summary Of Significant Accounting Policies [Line Items]
Payments for partnership dissolved		$ 1,391
Percentage of receivables as of December 31, 2015, 2014	No customer accounted for more than 10% of the Company's consolidated receivables balance as of December 31, 2015 or 2014.
Amount of off balance sheet settlement funds	$ 260,200	224,900
Goodwill measurement period	1 year
Cornastone Technology Investments (Proprietary) Limited
Summary Of Significant Accounting Policies [Line Items]
Payments for partnership dissolved		$ 1,500
Minimum
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	3 years
Minimum \| Software Acquired or Developed for Internal Use
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	3 years
Maximum
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	20 years
Maximum \| Software Acquired or Developed for Internal Use
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	10 years

XML 55 R41.htm IDEA: XBRL DOCUMENT

Revenues in Condensed Consolidated Statements of Operations from Arrangements for which Vendor-Specific Objective Evidence of Fair Value Does Not Exist for Each Undelivered Element (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenue Recognition, Milestone Method [Line Items]
License	$ 94,230	$ 50,237	$ 67,161	$ 39,577	$ 80,425	$ 57,653	$ 61,377	$ 35,702	$ 251,205	$ 235,157	$ 233,931
Maintenance	63,000	59,262	60,141	59,492	67,421	63,764	62,309	62,499	241,895	255,993	245,954
Services	34,371	25,842	23,110	23,497	29,811	28,194	24,991	22,588	106,820	105,584	122,085
Total revenues	$ 308,637	$ 238,701	$ 265,822	$ 232,817	$ 290,224	$ 249,644	$ 254,808	$ 221,473	1,045,977	1,016,149	864,928
Vendor Specific Objective Evidence of Fair Value [Member]
Revenue Recognition, Milestone Method [Line Items]
License									7,797	22,211	22,190
Maintenance									3,801	7,699	9,649
Services									321	13	10
Total revenues									$ 11,919	$ 29,923	$ 31,849

XML 56 R42.htm IDEA: XBRL DOCUMENT

Receivables and Concentration of Credit Risk (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounting Policies [Abstract]
Billed Receivables	$ 192,045	$ 200,392
Allowance for doubtful accounts	(5,045)	(4,806)	$ (4,459)	$ (8,117)
Billed, net	187,000	195,586
Accrued Receivables	32,116	31,520
Receivables, net	$ 219,116	$ 227,106

XML 57 R43.htm IDEA: XBRL DOCUMENT

Activity in Allowance for Doubtful Accounts Receivable (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Valuation and Qualifying Accounts [Abstract]
Balance, beginning of period	$ (4,806)	$ (4,459)	$ (8,117)
Provision (increase) decrease	(2,425)	(1,049)	1,161
Amounts written off, net of recoveries	2,088	1,053	2,296
Foreign currency translation adjustments and other	98	(351)	201
Balance, end of period	$ (5,045)	$ (4,806)	$ (4,459)

XML 58 R44.htm IDEA: XBRL DOCUMENT

Components of Other Current Assets and Other Current Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Current debt issuance costs	$ 5,583	$ 6,244
Other	8,319	9,889
Total other current assets	27,220	40,417
Settlement payables	11,250	21,715
Accrued interest	7,501	7,256
Vendor financed licenses	15,723	7,340
Royalties payable	4,910	4,070
Other	35,841	27,124
Total other current liabilities	75,225	67,505
Settlement deposits [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	5,357	13,252
Settlement receivables [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	$ 7,961	$ 11,032

XML 59 R45.htm IDEA: XBRL DOCUMENT

Net Property and Equipment (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 135,046	$ 120,914
Less: accumulated depreciation and amortization	(74,416)	(60,554)
Property and equipment, net	60,630	60,360
Computer and office equipment
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 92,237	81,850
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	Lesser of useful life of improvement or remaining life of lease
Property and equipment, gross	$ 19,380	17,193
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	7 years
Property and equipment, gross	$ 11,304	11,202
Building and improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 10,340	8,884
Land
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	Non depreciable
Property and equipment, gross	$ 1,785	$ 1,785
Minimum \| Computer and office equipment
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	3 years
Minimum \| Building and improvements
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	7 years
Maximum \| Computer and office equipment
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	5 years
Maximum \| Building and improvements
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	30 years

XML 60 R46.htm IDEA: XBRL DOCUMENT

Changes in Carrying Amount of Goodwill (Detail) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Goodwill [Line Items]

Gross Balance prior to the end of year

$ 716,649

Total impairment, beginning of period

(47,432)

Beginning Balance

$ 781,163

$ 669,217

Goodwill from acquisitions

142,287

^[1]

121,138

^[2]

Foreign currency translation adjustments

(10,189)

(9,192)

Ending Balance

913,261

781,163

Americas [Member]

Goodwill [Line Items]

Gross Balance prior to the end of year

488,698

Total impairment, beginning of period

(47,432)

Beginning Balance

476,482

441,266

Goodwill from acquisitions

2,462

^[1]

36,623

^[2]

Foreign currency translation adjustments

(1,803)

(1,407)

Ending Balance

477,141

476,482

EMEA [Member]

Goodwill [Line Items]

Gross Balance prior to the end of year

160,158

Beginning Balance

240,303

160,158

Goodwill from acquisitions

139,825

^[1]

84,515

^[2]

Foreign currency translation adjustments

(3,301)

(4,370)

Ending Balance

376,827

240,303

Asia/Pacific [Member]

Goodwill [Line Items]

Gross Balance prior to the end of year

$ 67,793

Beginning Balance

64,378

67,793

Foreign currency translation adjustments

(5,085)

(3,415)

Ending Balance

$ 59,293

$ 64,378

[1]	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period.
[2]	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions.

XML 61 R47.htm IDEA: XBRL DOCUMENT

Changes in Carrying Amount of Goodwill (Parenthetical) (Detail)	12 Months Ended
	Dec. 31, 2015
Maximum
Goodwill [Line Items]
Preliminary purchase price allocation period	1 year

XML 62 R48.htm IDEA: XBRL DOCUMENT

Acquisitions - Additional Information (Detail) $ / shares in Units, $ in Thousands						3 Months Ended									12 Months Ended
	Dec. 31, 2015 USD ($)	Nov. 04, 2015 USD ($)	Aug. 12, 2014 USD ($)	Nov. 05, 2013 USD ($) $ / shares	Mar. 11, 2013 USD ($) $ / shares	Dec. 31, 2015 USD ($)	Sep. 30, 2015 USD ($)	Jun. 30, 2015 USD ($)	Mar. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)	Sep. 30, 2014 USD ($)	Jun. 30, 2014 USD ($)	Mar. 31, 2014 USD ($)	Mar. 31, 2013 USD ($)	Dec. 31, 2015 USD ($) shares	Dec. 31, 2014 USD ($) shares	Dec. 31, 2013 USD ($) Entity shares
Business Acquisition [Line Items]
Percentage of ownership interest acquired	100.00%					100.00%									100.00%
Additional borrowing															$ 298,000	$ 169,500	$ 40,000
Acquisition related transaction expenses																2,700
Operating income (loss)						$ 73,973	$ 23,886	$ 23,664	$ 6,425	$ 79,271	$ 31,869	$ 26,741	$ 291		127,948	138,172	123,048
Goodwill	$ 913,261					913,261				$ 781,163					$ 913,261	$ 781,163	$ 669,217
Restricted share awards (RSAs) [Member]
Business Acquisition [Line Items]
Issuance of ACI common stock \| shares															125,026	106,275	25,989
Awards granted requisite service period															3 years	3 years	3 years
New Senior Secured Credit Facilities
Business Acquisition [Line Items]
Additional borrowings under credit facility															$ 300,000
General and Administrative
Business Acquisition [Line Items]
Acquisition related transaction expenses															$ 900
Maximum \| Restricted share awards (RSAs) [Member]
Business Acquisition [Line Items]
Awards granted requisite service period															4 years
Revolving Credit Facility
Business Acquisition [Line Items]
Additional borrowing	181,000		$ 60,500
Term Credit Facility [Member]
Business Acquisition [Line Items]
Additional borrowing			150,000
PAY.ON
Business Acquisition [Line Items]
Total purchase price		$ 186,373													$ 186,373
Revenue															2,900
Operating income (loss)															2,100
Business acquisition cash paid															180,994
Goodwill	140,015					140,015									$ 140,015
PAY.ON \| Restricted share awards (RSAs) [Member]
Business Acquisition [Line Items]
Issuance of ACI common stock \| shares															476,750
Fair value of shares on grant date	11,300					11,300									$ 11,300
Awards granted requisite service period															2 years
Percentage of award vesting increment for every six month															25.00%
PAY.ON \| Customer relationships
Business Acquisition [Line Items]
Amortizable intangible assets	22,418					22,418									$ 22,418
Retail Decisions [Member]
Business Acquisition [Line Items]
Revenue															42,700	$ 17,900
Operating income (loss)															6,800	1,900
Business acquisition cash paid			$ 205,100
Goodwill	137,915					137,915									137,915
Retail Decisions [Member] \| Customer relationships
Business Acquisition [Line Items]
Amortizable intangible assets	50,480					50,480									50,480
Twenty Thirteen Acquisitions
Business Acquisition [Line Items]
Total purchase price																	$ 378,100
Number of businesses acquired \| Entity																	3
Official Payments Holdings, Inc.
Business Acquisition [Line Items]
Additional borrowing				$ 40,000
Acquisition related transaction expenses																	$ 1,200
Revenue																135,700	23,300
Business acquisition cash paid				$ 139,800
Cash paid per common stock \| $ / shares				$ 8.35
Goodwill	29,236					29,236									29,236		29,200
Official Payments Holdings, Inc. \| Customer relationships
Business Acquisition [Line Items]
Amortizable intangible assets	47,400					47,400									47,400		47,400
Official Payments Holdings, Inc. \| Maximum
Business Acquisition [Line Items]
Operating income (loss)																	100
Online Resources Corporation
Business Acquisition [Line Items]
Total purchase price					$ 260,100
Acquisition related transaction expenses																	5,400
Revenue																$ 151,300	120,800
Operating income (loss)																	$ 6,400
Cash paid per common stock \| $ / shares					$ 3.85
Goodwill	122,247					122,247									122,247
Business acquisition common stock purchase price					$ 132,900
Online Resources Corporation \| Customer relationships
Business Acquisition [Line Items]
Amortizable intangible assets	68,750					68,750									68,750
Online Resources Corporation \| Series A-1 Convertible Preferred Stock
Business Acquisition [Line Items]
Business acquisition preferred stock purchase price					$ 127,200
Profesionales en Transacciones Electronicas S.A. - Venezuela ("PTESA-V")
Business Acquisition [Line Items]
Percentage of ownership interest acquired														100.00%
Profesionales en Transacciones Electronicas S.A. - Ecuador ("PTESA-E")
Business Acquisition [Line Items]
Percentage of ownership interest acquired														100.00%
Profesionales En Transacciones Electronicas Venezuela And Ecuador
Business Acquisition [Line Items]
Total purchase price														$ 2,800
Profesionales en Transacciones Electronicas S.A. - Colombia ("PTESA-C")
Business Acquisition [Line Items]
Total purchase price														11,400
Profesionales en Transacciones Electronicas S.A
Business Acquisition [Line Items]
Total purchase price														14,200
Goodwill	7,113					7,113									7,113
Purchase price, non tax deductible goodwill amount														$ 1,500
Profesionales en Transacciones Electronicas S.A \| Customer relationships
Business Acquisition [Line Items]
Amortizable intangible assets	$ 7,732					$ 7,732									$ 7,732

XML 63 R49.htm IDEA: XBRL DOCUMENT

Purchase Price of PAY.ON at Acquisition Date (Detail) - PAY.ON - USD ($) $ in Thousands		12 Months Ended
	Nov. 04, 2015	Dec. 31, 2015
Business Acquisition [Line Items]
Cash payments to PAY.ON shareholders		$ 180,994
Issuance of ACI common stock		5,379
Total purchase price	$ 186,373	$ 186,373

XML 64 R50.htm IDEA: XBRL DOCUMENT

Acquisitions - Preliminary Purchase Price Allocation of PAY.ON (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill	$ 913,261	$ 781,163	$ 669,217
PAY.ON
Business Acquisition [Line Items]
Cash and cash equivalents	1,627
Receivables, net of allowance	2,658
Other current assets	581
Total current assets acquired	4,866
Property and equipment	424
Goodwill	140,015
Other noncurrent assets	6
Total assets acquired	204,442
Accounts payable	1,125
Employee compensation	555
Other current liabilities	1,115
Total current liabilities acquired	2,795
Deferred income taxes	15,274
Total liabilities acquired	18,069
Net assets acquired	$ 186,373
Software \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 34,213
Customer relationships \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	15 years
Amortizable intangible assets	$ 22,418
Trademarks \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 2,500

XML 65 R51.htm IDEA: XBRL DOCUMENT

Acquisitions - Purchase Price Allocation, in Connection with Acquisitions (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill	$ 913,261	$ 781,163	$ 669,217
Retail Decisions [Member]
Business Acquisition [Line Items]
Cash and cash equivalents	795
Receivables, net of allowance	10,106
Deferred income taxes, net	514
Other current assets	10,282
Total current assets acquired	21,697
Property and equipment	3,354
Goodwill	137,915
Deferred income taxes	51
Other noncurrent assets	416
Total assets acquired	251,029
Accounts payable	4,624
Employee compensation	6,046
Other current liabilities	11,683
Total current liabilities acquired	22,353
Deferred income taxes	23,427
Other noncurrent liabilities	164
Total liabilities acquired	45,944
Net assets acquired	205,085
Software \| Retail Decisions [Member]
Business Acquisition [Line Items]
Amortizable intangible assets	$ 33,136
Software \| Retail Decisions [Member] \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Software \| Retail Decisions [Member] \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	7 years
Customer relationships \| Retail Decisions [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	18 years
Amortizable intangible assets	$ 50,480
Trademarks \| Retail Decisions [Member]
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 3,980

XML 66 R52.htm IDEA: XBRL DOCUMENT

Preliminary Purchase Price Allocation of Official Payments Holdings, Online Resources Corporation and PTESA (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill	$ 913,261	$ 781,163	$ 669,217
Official Payments Holdings, Inc.
Business Acquisition [Line Items]
Cash and cash equivalents	25,871
Billed and accrued receivables, net	2,858
Deferred income taxes, net	4,692
Other current assets	27,642
Total current assets acquired	61,063
Property and equipment	6,340
Goodwill	29,236		29,200
Other noncurrent assets	19,178
Total assets acquired	192,342
Accounts payable	9,414
Accrued employee compensation	15,006
Other current liabilities	27,312
Total current liabilities acquired	51,732
Other noncurrent liabilities acquired	828
Total liabilities acquired	52,560
Net assets acquired	139,782
Online Resources Corporation
Business Acquisition [Line Items]
Cash and cash equivalents	9,930
Billed and accrued receivables, net	19,394
Deferred income taxes, net	11,726
Other current assets	17,643
Total current assets acquired	58,693
Property and equipment	7,335
Goodwill	122,247
Other noncurrent assets	459
Total assets acquired	322,749
Accounts payable	15,394
Accrued employee compensation	10,549
Note payable	7,500
Other current liabilities	7,559
Total current liabilities acquired	41,002
Deferred income taxes, net	18,290
Other noncurrent liabilities acquired	3,339
Total liabilities acquired	62,631
Net assets acquired	260,118
Profesionales en Transacciones Electronicas S.A
Business Acquisition [Line Items]
Cash and cash equivalents	193
Billed and accrued receivables, net	327
Other current assets	95
Total current assets acquired	615
Property and equipment	6
Goodwill	7,113
Other noncurrent assets	7
Total assets acquired	15,473
Accounts payable	341
Accrued employee compensation	261
Total current liabilities acquired	602
Deferred income taxes, net	225
Other noncurrent liabilities acquired	439
Total liabilities acquired	1,266
Net assets acquired	$ 14,207
Software \| Official Payments Holdings, Inc.
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	10 years
Amortizable intangible assets	$ 26,125
Software \| Online Resources Corporation
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	10 years
Amortizable intangible assets	$ 62,215
Customer relationships \| Official Payments Holdings, Inc.
Business Acquisition [Line Items]
Amortizable intangible assets	$ 47,400		$ 47,400
Customer relationships \| Official Payments Holdings, Inc. \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	14 years
Customer relationships \| Official Payments Holdings, Inc. \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	15 years
Customer relationships \| Online Resources Corporation
Business Acquisition [Line Items]
Amortizable intangible assets	$ 68,750
Customer relationships \| Online Resources Corporation \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	14 years
Customer relationships \| Online Resources Corporation \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	15 years
Customer relationships \| Profesionales en Transacciones Electronicas S.A
Business Acquisition [Line Items]
Amortizable intangible assets	$ 7,732
Customer relationships \| Profesionales en Transacciones Electronicas S.A \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	14 years
Customer relationships \| Profesionales en Transacciones Electronicas S.A \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	15 years
Trademarks \| Official Payments Holdings, Inc.
Business Acquisition [Line Items]
Amortizable intangible assets	$ 3,000
Trademarks \| Official Payments Holdings, Inc. \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	3 years
Trademarks \| Official Payments Holdings, Inc. \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Trademarks \| Online Resources Corporation
Business Acquisition [Line Items]
Amortizable intangible assets	$ 3,050
Trademarks \| Online Resources Corporation \| Minimum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	3 years
Trademarks \| Online Resources Corporation \| Maximum
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years

XML 67 R53.htm IDEA: XBRL DOCUMENT

Software and Other Intangible Assets - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Finite-Lived Intangible Assets [Line Items]
Software, net	$ 237,941	$ 209,507
Software, accumulated amortization	158,900	121,600
Other intangible assets amortization expense	$ 23,000	24,700	$ 18,500
Minimum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	3 years
Maximum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	20 years
Software Marketed for External Sale [Member]
Finite-Lived Intangible Assets [Line Items]
Software, net	$ 70,100	85,900
Software, amortization expense	$ 14,500	14,800	13,600
Software Marketed for External Sale [Member] \| Minimum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	3 years
Software Marketed for External Sale [Member] \| Maximum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	10 years
Software Acquired or Developed for Internal Use
Finite-Lived Intangible Assets [Line Items]
Software, net	$ 167,800	123,600
Software, amortization expense	$ 38,300	$ 26,700	$ 19,100
Software Acquired or Developed for Internal Use \| Minimum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	3 years
Software Acquired or Developed for Internal Use \| Maximum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life	10 years

XML 68 R54.htm IDEA: XBRL DOCUMENT

Software and Other Intangible Assets - Carrying Amount and Accumulated Amortization of Other Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 365,225	$ 349,184
Accumulated Amortization	(108,300)	(87,748)
Net Balance	256,925	261,436
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	336,075	322,216
Accumulated Amortization	(86,585)	(68,616)
Net Balance	249,490	253,600
Trademarks and tradenames [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	18,040	15,767
Accumulated Amortization	(10,605)	(7,946)
Net Balance	7,435	7,821
Purchased contracts [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	10,690	10,768
Accumulated Amortization	(10,690)	(10,768)
Covenant not to compete [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	420	433
Accumulated Amortization	$ (420)	(418)
Net Balance		$ 15

XML 69 R55.htm IDEA: XBRL DOCUMENT

Software and Other Intangible Assets - Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Net Balance	$ 256,925	$ 261,436
Software
Finite-Lived Intangible Assets [Line Items]
2016	59,446
2017	51,795
2018	39,812
2019	30,934
2020	26,451
Thereafter	29,503
Net Balance	237,941
Other Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
2016	23,242
2017	21,742
2018	21,234
2019	20,645
2020	19,722
Thereafter	150,340
Net Balance	$ 256,925

XML 70 R56.htm IDEA: XBRL DOCUMENT

Debt - Additional Information (Detail) - USD ($)			12 Months Ended
Debt - Additional Information (Detail) - USD ($)	Aug. 20, 2013	Nov. 10, 2011	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Debt Instrument [Line Items]
Debt issuance cost paid				$ 4,662,000	$ 17,042,000
Credit facility, interest rate description			The applicable margin for borrowings under the Revolving Credit Facility is, based on the calculation of the applicable consolidated total leverage ratio, between 0.50% to 1.50% with respect to base rate borrowings and between 1.50% and 2.50% with respect to LIBOR based borrowings. Interest is due and payable monthly. The interest rate in effect at December 31, 2015 for the Credit Facility was 2.68%.
Credit facility, interest rate margin above federal fund rate			1.00%
Credit facility, interest rate margin above one-month LIBOR rate			1.00%
Credit facility, borrowing rate			2.68%
Credit Facility maturity date			Aug. 20, 2018
Senior Notes [Member]
Debt Instrument [Line Items]
Senior notes amount outstanding	$ 300,000,000		$ 300,000,000
Debt issuance cost incurred	$ 6,100,000
Debt issuance cost paid				200,000	5,900,000
Issue price percentage of senior notes of the principal amount	100.00%
Percentage of interest rate on notes	6.375%
Maturity date of senior notes	Aug. 20, 2020
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility amount outstanding			178,000,000
Unused borrowings			72,000,000
Term Credit Facility [Member]
Debt Instrument [Line Items]
Line of credit facility amount outstanding			$ 460,600,000
Term Credit Facility [Member]
Debt Instrument [Line Items]
Debt issuance cost incurred						$ 28,600,000
Debt issuance cost paid				4,500,000	$ 24,100,000
Credit Agreement \| Minimum
Debt Instrument [Line Items]
Credit facility, interest rate margin above base rate			0.50%
Credit facility, interest rate margin above LIBOR rate			1.50%
Credit Agreement \| Maximum
Debt Instrument [Line Items]
Credit facility, interest rate margin above base rate			1.50%
Credit facility, interest rate margin above LIBOR rate			2.50%
Credit Agreement \| Revolving Credit Facility
Debt Instrument [Line Items]
Credit facilities, maximum borrowing capacity		$ 250,000,000
Credit facilities, maturity		5 years
Credit Agreement \| Term Credit Facility [Member]
Debt Instrument [Line Items]
Credit facilities, maximum borrowing capacity		$ 650,000,000
Credit facilities, maturity		5 years
License Agreement [Member]
Debt Instrument [Line Items]
Financed internally-used software			$ 20,400,000			$ 14,800,000
License agreement period			3 years			5 years
Total other liabilities			$ 20,200,000	6,300,000
Other current liabilities			11,700,000	3,100,000
Other noncurrent liabilities			$ 8,500,000	$ 3,200,000
License Agreement [Member] \| Due In Five Years [Member]
Debt Instrument [Line Items]
Annual payments due date			Through April 2016
License Agreement [Member] \| Due In Three Years [Member]
Debt Instrument [Line Items]
Annual payments due date			Through November 2018
Parent Company and Domestic Subsidiaries [Member]
Debt Instrument [Line Items]
Percentage of capital stock pledged as collateral			100.00%
Foreign Subsidiaries [Member]
Debt Instrument [Line Items]
Percentage of capital stock pledged as collateral			65.00%

XML 71 R57.htm IDEA: XBRL DOCUMENT

Debt - Maturities on Long-Term Debt Outstanding (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Debt Disclosure [Abstract]
2016	$ 95,293
2017	95,293
2018	447,997
2019	0
2020	300,000
Total	$ 938,583	$ 891,935

XML 72 R58.htm IDEA: XBRL DOCUMENT

Debt - Carrying Value of Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Total debt	$ 938,583	$ 891,935
Less current portion of term credit facility	95,293	87,352
Total long-term debt	843,290	804,583
6.375% Senior Notes, due August 2020 [Member]
Debt Instrument [Line Items]
Total debt	300,000	300,000
Term Credit Facility [Member]
Debt Instrument [Line Items]
Total debt	460,583	547,935
Revolving Credit Facility
Debt Instrument [Line Items]
Total debt	$ 178,000	$ 44,000

XML 73 R59.htm IDEA: XBRL DOCUMENT

Debt - Carrying Value of Debt (Parenthetical) (Detail) - 6.375% Senior Notes, due August 2020 [Member]	12 Months Ended
	Dec. 31, 2015
Debt Instrument [Line Items]
Percentage of interest rate on notes	6.375%
Maturity date of senior notes	Aug. 15, 2020

XML 74 R60.htm IDEA: XBRL DOCUMENT

Fair Value of Financial Instruments - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale Securities, Fair Value		$ 33,824
Realized gain on available-for-sale securities	$ 24,465
Deferred tax assets, valuation allowance		8,700
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value senior note	310,500	315,000
Yodlee, Inc. [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cost basis investment		9,800
Additional investment			$ 1,000
Total investments			$ 10,800
Realized gain on available-for-sale securities	$ 24,500	23,000
Cost basis price appreciation of shares		10,800
Yodlee, Inc. [Member] \| Equity securities [Member] \| Quoted prices in active markets for identical assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale Securities, Fair Value		$ 33,800

XML 75 R61.htm IDEA: XBRL DOCUMENT

Corporate Restructuring and Other Organizational Changes - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($) Position	Dec. 31, 2014 USD ($) Position	Dec. 31, 2013 USD ($) Position
Restructuring Cost and Reserve [Line Items]
Employee termination costs	$ 1,300	$ 8,700	$ 8,900
Number of positions eliminated \| Position	30	220	147
Restructuring costs	$ 3,056	$ 9,024
Employee termination costs paid during the period		6,200
Restructuring charges	1,045	2,793	$ 3,341
Other Current Liabilities
Restructuring Cost and Reserve [Line Items]
Restructuring charges	300
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring costs	2,872	7,741
Severance liability to be paid over the next 12 months	800
Restructuring charges	777	2,341	1,470
General and Administrative \| Leased Facilities in Chantilly, VA, North Brunswick, NJ, Columbus, OH, Duluth, GA, and Bangalore, India
Restructuring Cost and Reserve [Line Items]
Lease termination fee			1,700
Americas [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs	700	5,700	6,300
EMEA [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs	$ 600	2,000	2,200
Asia/Pacific [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs		$ 1,000	$ 400

XML 76 R62.htm IDEA: XBRL DOCUMENT

Corporate Restructuring and Other Organizational Changes - Components of Corporate Restructuring and Other Reorganization Activities from Recent Acquisitions (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Restructuring Cost and Reserve [Line Items]
Beginning balance	$ 2,793	$ 3,341
Restructuring charges incurred, net	1,339	8,535
Amounts paid during the period	(3,056)	(9,024)
Foreign currency translation adjustments	(31)	(59)
Ending balance	1,045	2,793
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	2,341	1,470
Restructuring charges incurred, net	1,339	8,671
Amounts paid during the period	(2,872)	(7,741)
Foreign currency translation adjustments	(31)	(59)
Ending balance	777	2,341
Facility Closures [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	452	1,871
Restructuring charges incurred, net		(136)
Amounts paid during the period	(184)	(1,283)
Ending balance	$ 268	$ 452

XML 77 R63.htm IDEA: XBRL DOCUMENT

Common Stock and Treasury Stock - Additional Information (Detail) - USD ($)	12 Months Ended			48 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015	Feb. 28, 2014	Jul. 31, 2013	Sep. 13, 2012	Feb. 29, 2012	Dec. 31, 2011
Maximum stock authorized to purchase under stock repurchase program								$ 262,100,000	$ 210,000,000
Increase in maximum stock authorized to purchase under stock repurchase program					$ 100,000,000	$ 100,000,000		$ 52,100,000
Repurchase of common stock, shares	0	3,578,427	4,970,424	37,108,467
Repurchase of common stock, value		$ 70,000,000	$ 80,912,000	$ 395,800,000
Number shares issued pursuant to stock option exercises	1,144,273	2,036,558	2,478,183
Long-term incentive program performance share awards
Stock issued during the period performance share award	548,671	635,643	982,728
Restricted share awards (RSAs) [Member]
Stock issued during period, performance based restricted share awards	125,026	106,275	25,989
Performance-Based Restricted Share Awards
Stock issued during period, performance based restricted share awards	978,365
Stock Options [Member]
Number shares issued pursuant to stock option exercises	1,146,199	2,037,467	2,493,684
Maximum
Maximum stock authorized to purchase under stock repurchase program							$ 113,000,000
Stock authorized to purchase under stock repurchase program, shares							7,500,000
Remaining value of shares authorized for purchase under the stock repurchase program	$ 138,300,000			$ 138,300,000

XML 78 R64.htm IDEA: XBRL DOCUMENT

Earnings Per Share - Reconciliation of Average Share Amounts used to Compute Both Basic and Diluted Earnings Per Share (Detail) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Weighted average shares outstanding
Basic weighted average shares outstanding	117,465	114,798	117,885
Add: Dilutive effect of stock options, restricted stock awards and other dilutive securities	1,454	1,973	2,169
Diluted weighted average shares outstanding	118,919	116,771	120,054

XML 79 R65.htm IDEA: XBRL DOCUMENT

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share [Abstract]
Options to purchase shares, contingently issuable shares, and common stock warrants excluded from diluted net income per share computation	3,700,000	2,900,000	4,500,000
Common stock outstanding	119,033,770	115,637,804

XML 80 R66.htm IDEA: XBRL DOCUMENT

Other, Net (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
Other, Net (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Income and Expenses [Abstract]
Foreign currency transaction gains (losses)									$ 1,946	$ (67)	$ (2,697)
Realized gain on sale of available-for-sale securities									24,465
Other										(173)	(630)
Total	$ (1,284)	$ 4,314	$ 19,659	$ 3,722	$ 1,104	$ 3,614	$ (3,901)	$ (1,057)	$ 26,411	$ (240)	$ (3,327)

XML 81 R67.htm IDEA: XBRL DOCUMENT

Segment Information - Selected Segment Financial Data, Revenues and Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Segment Reporting Information [Line Items]
Revenues	$ 308,637	$ 238,701	$ 265,822	$ 232,817	$ 290,224	$ 249,644	$ 254,808	$ 221,473	$ 1,045,977	$ 1,016,149	$ 864,928
Depreciation and amortization expense									97,431	86,683	69,967
Stock-based compensation expense									18,380	11,045	13,572
Income (loss) before taxes	$ 62,623	$ 18,566	$ 32,876	$ (692)	$ 69,700	$ 25,165	$ 13,646	$ (9,742)	113,373	98,769	93,159
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Depreciation and amortization expense									67,044	60,200	44,053
Stock-based compensation expense									15,483	7,467	10,128
Income (loss) before taxes									(172,185)	(199,583)	(173,782)
Americas - United States [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues									628,013	614,488	450,251
Americas - Other [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues									82,548	87,279	91,639
EMEA [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues									250,568	230,879	228,679
Depreciation and amortization expense									3,670	4,126	6,310
Stock-based compensation expense									1,223	419	759
Income (loss) before taxes									132,518	116,120	87,522
Asia/Pacific [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Revenues									84,848	83,503	94,359
Depreciation and amortization expense									1,751	1,809	2,574
Stock-based compensation expense									36	249	293
Income (loss) before taxes									41,658	38,853	33,923
Americas [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Depreciation and amortization expense									24,966	20,548	17,030
Stock-based compensation expense									1,638	2,910	2,392
Income (loss) before taxes									$ 111,382	$ 143,379	$ 145,496

XML 82 R68.htm IDEA: XBRL DOCUMENT

Segment Information - Selected Segment Financial Data, Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Long lived assets	$ 1,511,256	$ 1,382,245
Assets	1,990,212	1,850,700
Americas - United States [Member]
Segment Reporting Information [Line Items]
Assets	1,196,733	1,210,673
Americas - United States [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Long lived assets	923,871	929,459
Americas - Other [Member]
Segment Reporting Information [Line Items]
Assets	33,492	32,595
Americas - Other [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Long lived assets	11,643	15,337
EMEA [Member]
Segment Reporting Information [Line Items]
Assets	643,275	487,629
EMEA [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Long lived assets	502,785	360,033
Asia/Pacific [Member]
Segment Reporting Information [Line Items]
Assets	116,712	119,803
Asia/Pacific [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Long lived assets	$ 72,957	$ 77,416

XML 83 R69.htm IDEA: XBRL DOCUMENT

Revenues, by Product Line (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
Revenues, by Product Line (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenue from External Customer [Line Items]
Revenues	$ 308,637	$ 238,701	$ 265,822	$ 232,817	$ 290,224	$ 249,644	$ 254,808	$ 221,473	$ 1,045,977	$ 1,016,149	$ 864,928
Retail payments processing
Revenue from External Customer [Line Items]
Revenues									402,454	406,023	410,200
Online banking and community financial services
Revenue from External Customer [Line Items]
Revenues									219,698	227,659	223,902
Wholesale banking payments
Revenue from External Customer [Line Items]
Revenues									41,545	37,879	35,396
Payment fraud management
Revenue from External Customer [Line Items]
Revenues									27,373	36,235	37,136
Card and merchant management
Revenue from External Customer [Line Items]
Revenues									70,175	32,887	18,072
Tools and infrastructure
Revenue from External Customer [Line Items]
Revenues									42,783	40,427	38,241
Billers
Revenue from External Customer [Line Items]
Revenues									$ 241,949	$ 235,039	$ 101,981

XML 84 R70.htm IDEA: XBRL DOCUMENT

Segment Information - Additional Information (Detail)	12 Months Ended
Segment Information - Additional Information (Detail)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
BASE24
Segment Reporting Information [Line Items]
Percentage of total revenues from licensing BASE24 product line	21.00%	21.00%	28.00%
Customer Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues during the years ended December 31, 2015, 2014 and 2013	No single customer accounted for more than 10% of the Company's consolidated revenues during the years ended December 31, 2015, 2014 and 2013.
Geographic Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues during the years ended December 31, 2015, 2014 and 2013	No country outside of the United States accounted for more than 10% of the Company's consolidated revenues during the years ended December 31, 2015, 2014 and 2013.

XML 85 R71.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Additional Information (Detail)			3 Months Ended				12 Months Ended
	Sep. 15, 2015	Jul. 24, 2007 shares	Sep. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015 USD ($) Tranche Employee $ / shares shares	Dec. 31, 2014 USD ($) $ / shares shares	Dec. 31, 2013 USD ($) $ / shares shares	Jun. 14, 2012 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued under ESPP							162,058	154,223	128,568
Stock-based compensation expense \| $							$ 18,380,000	$ 11,045,000	$ 13,572,000
Employee stock purchase plan, amended plan start date		May 01, 2008
Employee stock purchase plan, amended plan end date		Apr. 30, 2018
Employee stock purchase plan term		10 years
Term of outstanding options							6 years 3 months 7 days
Incentive plan, percentage of options expected to vest over the vesting period							93.00%
Incentive plan, weighted-average grant date fair value of stock options granted \| $ / shares							$ 6.49	$ 9.02	$ 8.72
Incentive plan, total intrinsic value of stock options exercised \| $							$ 12,400,000	$ 22,800,000	$ 25,500,000
Expected dividend yield							0.00%
Dividend paid \| $ / shares							$ 0
Number of tranches \| Tranche							3
Stock-based compensation expenses tax benefits \| $							$ 6,900,000	4,200,000	5,200,000
Proceeds from exercises of stock options \| $							12,175,000	16,461,000	19,561,000
Actual tax benefit realized from tax deductions of option exercises \| $							$ 4,600,000	$ 8,600,000	$ 9,700,000
Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							133.00%
Consecutive trading days							20 days
Share-based compensation, vested grant date fair value \| $ / shares							$ 8.01
Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							167.00%
Consecutive trading days							20 days
Share-based compensation, vested grant date fair value \| $ / shares							$ 7.56
Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							200.00%
Consecutive trading days							20 days
Share-based compensation, vested grant date fair value \| $ / shares							$ 7.00
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs \| $							$ 9,600,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 10 months 24 days
Restricted share awards (RSAs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted requisite service period							3 years	3 years	3 years
Restricted share awards, vesting increments on anniversary dates of grants							33.00%	33.00%	33.00%
Restricted shares awards, shares vested							158,973	66,670	88,638
Restricted shares withheld to pay employees' portion of minimum payroll withholding taxes							25,235	26,461	31,746
Unrecognized compensation costs \| $							$ 1,800,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 2 months 12 days
Restricted share awards (RSAs) [Member] \| S1 Corporation [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted requisite service period							4 years
Restricted share awards, vesting increments on anniversary dates of grants							25.00%
Vesting percentage if employee is terminated without cause within 12 months from acquisition date							100.00%
Original grant date							Nov. 09, 2011
Restricted share awards (RSAs) [Member] \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted requisite service period							3 years
Restricted share awards, vesting increments on anniversary dates of grants							33.00%
Restricted share awards (RSAs) [Member] \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted requisite service period							4 years
Restricted share awards, vesting increments on anniversary dates of grants							25.00%
2012 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage							0.00%
2012 Grant \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage					0.00%
2012 Grant \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage					100.00%
PAY.ON Restricted Share Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted requisite service period							2 years
Restricted share awards, vesting increments on anniversary dates of grants							25.00%
Number of employees to whom awards issued \| Employee							2
Performance-Based Restricted Share Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year 3 months 18 days
Unrecognized compensation costs \| $							$ 14,400,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 4 months 24 days
Performance-Based Restricted Share Awards \| Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years
Award vesting percentage for each year							33.00%
Threshold level percentage for share awards							150.00%
Award grants assuming percentage							100.00%
Performance-Based Restricted Share Awards \| Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							33.00%
Performance-Based Restricted Share Awards \| Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							33.00%
2010 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage					136.00%
2010 Grant \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage						130.00%
2010 Grant \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage						175.00%
2013 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage					75.00%
2013 Grant \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage			0.00%
2013 Grant \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage			75.00%
2011 Grant \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				91.00%
2011 Grant \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage				100.00%
2015 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage							100.00%
2005 Stock Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized		15,000,000								23,250,000
Employee stock purchase plan term							10 years
Shares of common stock reserved for issuance prior to amendment							9,000,000
2005 Stock Incentive Plan \| Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							133.00%
Consecutive trading days							20 days
2005 Stock Incentive Plan \| Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							167.00%
Consecutive trading days							20 days
2005 Stock Incentive Plan \| Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							200.00%
Consecutive trading days							20 days
2002 Non-Employee Director Stock Option Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized							750,000
Stock option expiration period							2005-03
Term of outstanding options							10 years
1999 Stock Option Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized							12,000,000
Stock option expiration period							2009-02
Term of outstanding options							10 years
1999 Stock Option Plan \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years
1999 Stock Option Plan \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							4 years
LTIP Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum attainment percentage that may be achieved for LTIP Performance Shares					20000.00%	20000.00%	20000.00%	20000.00%	20000.00%
Restricted shares awards, shares vested							548,671	635,643	982,728
Restricted shares withheld to pay employees' portion of minimum payroll withholding taxes							196,169	228,279	338,262
Unrecognized compensation costs \| $							$ 11,100,000
Unrecognized compensation costs, weighted-average recognition periods							2 years 3 months 18 days
LTIP Performance Shares [Member] \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							1 year	1 year	1 year
LTIP Performance Shares [Member] \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years	3 years	3 years
S1 Corporation 2003 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares awards, shares vested							13,201	19,822	35,598
Restricted shares withheld to pay employees' portion of minimum payroll withholding taxes							3,750	5,980	11,307
Employee Stock Purchase Plan 1999 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized							4,500,000
Permitted designation for purchase of common stock under ESPP							Participating employees are permitted to designate up to the lesser of $25,000, or 10% of their annual base compensation, for the purchase of common stock under the ESPP. Purchases under the ESPP are made one calendar month after the end of each fiscal quarter.
Employee participating annual base compensation designated for purchase of common stock, amount \| $							$ 25,000
Employee participating annual base compensation designated for purchase of common stock, percent							10.00%
Price of common stock purchased under ESPP, description							The price for shares of common stock purchased under the ESPP is 85% of the stock's fair market value on the last business day of the three-month participation period.
Price of common stock purchased under ESPP, percent							85.00%
Discount offered pursuant to ESPP, percentage							15.00%
Stock-based compensation expense \| $							$ 500,000	$ 500,000	$ 300,000

XML 86 R72.htm IDEA: XBRL DOCUMENT

Summary of Stock Options Issued Pursuant to Stock Incentive Plans (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Number of Shares
Outstanding, Beginning Balance	5,282,693	7,408,821	8,905,746
Granted	2,055,514	27,132	1,208,019
Exercised	(1,144,273)	(2,036,558)	(2,478,183)
Forfeited	(394,265)	(116,702)	(225,474)
Expired	(593)		(1,287)
Outstanding, Ending Balance	5,799,076	5,282,693	7,408,821
Number of Shares Exercisable, Ending Balance	3,744,383
Weighted-Average Exercise Price
Beginning Balance	$ 12.06	$ 11.02	$ 9.05
Granted	19.12	20.13	19.30
Exercised	10.62	8.08	7.81
Forfeited	19.06	17.80	12.79
Expired	20.51		9.65
Ending Balance	14.37	$ 12.06	$ 11.02
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 11.67
Weighted-Average Remaining Contractual Term (Years)
Term of outstanding options	6 years 3 months 7 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	4 years 9 months 26 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 40,786,575
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 36,424,252

XML 87 R73.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Estimated Fair Value of Options Granted using Black-Scholes Option-Pricing Model with Weighted-Average Assumptions (Detail)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected dividend yield	0.00%
Black-Scholes Option-Pricing Model [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (years)	5 years 10 months 24 days	5 years 10 months 24 days	6 years 2 months 12 days
Risk-free interest rate	1.40%	1.80%	1.60%
Expected volatility	32.10%	45.20%	46.00%
Expected dividend yield	0.00%	0.00%	0.00%
Monte Carlo Simulation [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (years)	7 years 6 months
Risk-free interest rate	1.70%
Expected volatility	41.90%
Expected dividend yield	0.00%

XML 88 R74.htm IDEA: XBRL DOCUMENT

Summary of Transaction Stock Options Issued Pursuant to Stock Incentive Plans (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Number of Shares
Outstanding, Beginning Balance	5,282,693	7,408,821	8,905,746
Exercised	(1,144,273)	(2,036,558)	(2,478,183)
Cancelled	(394,265)	(116,702)	(225,474)
Outstanding, Ending Balance	5,799,076	5,282,693	7,408,821
Number of Shares Exercisable, Ending Balance	3,744,383
Weighted-Average Exercise Price
Beginning Balance	$ 12.06	$ 11.02	$ 9.05
Exercised	10.62	8.08	7.81
Cancelled	19.06	17.80	12.79
Ending Balance	14.37	$ 12.06	$ 11.02
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 11.67
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	6 years 3 months 7 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	4 years 9 months 26 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 40,786,575
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 36,424,252
Online Resources Corporation
Number of Shares
Outstanding, Beginning Balance	46,512	62,445
Transaction stock options converted upon acquisition of ORCC			112,404
Exercised	(1,926)	(909)	(15,501)
Cancelled	(23,550)	(15,024)	(34,458)
Outstanding, Ending Balance	21,036	46,512	62,445
Number of Shares Exercisable, Ending Balance	21,036
Weighted-Average Exercise Price
Beginning Balance	$ 36.73	$ 35.03
Transaction stock options converted upon acquisition of ORCC			$ 30.64
Exercised	13.92	13.92	13.92
Cancelled	44.83	31.03	30.21
Ending Balance	29.76	$ 36.73	$ 35.03
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 29.76
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	1 year 8 months 5 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	1 year 8 months 5 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 37,587
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 37,587

XML 89 R75.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Summary of Nonvested LTIP Performance Based Share Awards and Changes During Period (Detail) - LTIP Performance Shares [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Number of Shares at Expected Attainment
Beginning Balance	1,145,916	2,718,576	3,304,452
Granted	1,025,863	19,065	798,306
Vested	(548,671)	(635,643)	(982,728)
Forfeited	(205,510)	(111,599)	(188,511)
Change in expected attainment for 2010 grants	(528,303)	(844,483)	(212,943)
Ending Balance	889,295	1,145,916	2,718,576
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 14.84	$ 13.78	$ 9.38
Granted	19.12	20.13	20.30
Vested	9.75	8.88	5.61
Forfeited	19.39	16.43	12.33
Change in expected attainment for 2010 grants	19.44	15.86	8.88
Ending Balance	$ 19.13	$ 14.84	$ 13.78

XML 90 R76.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Summary of Nonvested Restricted Share Awards and Changes During Period (Detail) - Restricted share awards (RSAs) [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Nonvested Restricted Share Awards
Beginning Balance	183,209	145,065	207,714
Granted	125,026	106,275	25,989
Vested	(158,973)	(66,670)	(88,638)
Forfeited		(1,461)
Ending Balance	149,262	183,209	145,065
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 17.11	$ 14.91	$ 13.67
Granted	23.82	18.57	16.10
Vested	17.21	14.59	12.35
Forfeited		20.51
Ending Balance	$ 22.62	$ 17.11	$ 14.91

XML 91 R77.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Summary of Nonvested Transaction Restricted Share Awards Issued under Stock Incentive Plan and Changes During Period (Detail) - S1 Corporation 2003 Stock Incentive Plan [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Nonvested Restricted Share Awards
Beginning Balance	17,565	57,552	150,732
Vested	(13,201)	(19,822)	(35,598)
Forfeited	(4,364)	(20,165)	(57,582)
Ending Balance		17,565	57,552
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 11.80	$ 11.80	$ 11.80
Vested	11.80	11.80	11.80
Forfeited	$ 11.80	11.80	11.80
Ending Balance		$ 11.80	$ 11.80

XML 92 R78.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Summary of Nonvested Performance Based Share Awards and Changes During Period (Detail) - Performance-Based Restricted Share Awards	12 Months Ended
	Dec. 31, 2015 $ / shares shares
Nonvested Restricted Share Awards
Granted \| shares	978,365
Forfeited \| shares	(39,502)
Ending Balance \| shares	938,863
Weighted-Average Grant Date Fair Value
Granted \| $ / shares	$ 23.45
Forfeited \| $ / shares	24.24
Ending Balance \| $ / shares	$ 23.42

XML 93 R79.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation Plans - Summary of Nonvested Performance Based Restricted Share Awards and Changes During Period (Detail) - PAY.ON Restricted Share Awards	12 Months Ended
	Dec. 31, 2015 $ / shares shares
Nonvested Restricted Share Awards
Granted \| shares	476,750
Ending Balance \| shares	476,750
Weighted-Average Grant Date Fair Value
Granted \| $ / shares	$ 23.60
Ending Balance \| $ / shares	$ 23.60

XML 94 R80.htm IDEA: XBRL DOCUMENT

Employee Benefit Plans- Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Employees maximum 401(k) contribution, percentage	75.00%
Defined contribution plan, contribution	$ 6,100,000	$ 6,000,000	$ 5,400,000
Employer 401(k) matching contribution to employee, maximum amount	$ 4,000
Defined contribution plan, employer matching percentage on every deferred dollar	100.00%
Maximum
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Employer 401(k) matching contribution to employee percentage	4.00%
EMEA [Member]
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Defined contribution plan, contribution	$ 1,800,000	$ 1,500,000	$ 1,300,000
Employees under age 50
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Employees maximum 401(k) contribution, amount	18,000
Employees aged 50 or older
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Employees maximum 401(k) contribution, amount	$ 24,000
Employed at December 1, 2000 \| EMEA [Member]
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Defined contribution plan, employer contribution percentage of eligible compensation minimum	8.50%
Employees aged over 55 years \| EMEA [Member]
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Defined contribution plan, employer contribution percentage of eligible compensation maximum	15.50%
Employed subsequent to December 1, 2000 \| EMEA [Member] \| Maximum
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Defined contribution plan, employer contribution percentage of eligible compensation	10.00%
Employed subsequent to December 1, 2000 \| EMEA [Member] \| Minimum
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Defined contribution plan, employer contribution percentage of eligible compensation	6.00%

XML 95 R81.htm IDEA: XBRL DOCUMENT

Components of Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
United States									$ 52,563	$ 47,963	$ 47,640
Foreign									60,810	50,806	45,519
Income before income taxes	$ 62,623	$ 18,566	$ 32,876	$ (692)	$ 69,700	$ 25,165	$ 13,646	$ (9,742)	$ 113,373	$ 98,769	$ 93,159

XML 96 R82.htm IDEA: XBRL DOCUMENT

Income Tax Expense (Benefit) (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Federal
Current									$ (6,889)	$ 7,895	$ 7,509
Deferred									18,024	7,021	9,491
Total									11,135	14,916	17,000
State
Current									379	1,542	2,492
Deferred									(4,096)	(2,397)	(1,687)
Total									(3,717)	(855)	805
Foreign
Current									15,117	13,335	9,717
Deferred									5,402	3,813	1,769
Total									20,519	17,148	11,486
Income tax provision	$ 18,856	$ 3,786	$ 5,825	$ (530)	$ 23,334	$ 9,433	$ 2,409	$ (3,967)	$ 27,937	$ 31,209	$ 29,291

XML 97 R83.htm IDEA: XBRL DOCUMENT

Summary of Differences Between Income Tax Expense Computed at Statutory Federal Income Tax Rate and Per Consolidated Statements of Income (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Tax expense at federal rate of 35%									$ 39,680	$ 34,569	$ 32,606
State income taxes, net of federal benefit									(2,462)	(544)	675
Change in valuation allowance									(9,066)	3,521	(1,615)
Foreign tax rate differential									(5,710)	(5,508)	(4,650)
Unrecognized tax benefit increase									2,977	65	488
Tax effect of foreign operations									261	(104)	5,906
Acquisition Costs										289	896
Tax benefit of research & development									(871)	(3,446)	(4,001)
Other									3,128	2,367	(1,014)
Income tax provision	$ 18,856	$ 3,786	$ 5,825	$ (530)	$ 23,334	$ 9,433	$ 2,409	$ (3,967)	$ 27,937	$ 31,209	$ 29,291

XML 98 R84.htm IDEA: XBRL DOCUMENT

Summary of Differences Between Income Tax Expense Computed at Statutory Federal Income Tax Rate and Per Consolidated Statements of Income (Parenthetical) (Detail)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Effective tax rate	35.00%	35.00%	35.00%

XML 99 R85.htm IDEA: XBRL DOCUMENT

Deferred Tax Assets and Liabilities Result from Differences in Timing of Recognition of Certain Income and Expense Items for Tax and Financial Accounting Purposes (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred income tax assets:
Net operating loss carryforwards	$ 112,193	$ 150,004
Tax credits	40,614	43,804
Compensation	25,752	24,486
Deferred revenue	25,287	13,486
Tax basis in investments	100	5,601
Other	8,246	9,712
Gross deferred income tax assets	212,192	247,093
Less: valuation allowance	(18,742)	(36,174)
Net deferred income tax assets	193,450	210,919
Deferred income tax liabilities:
Depreciation and amortization	(130,645)	(129,825)
Total deferred income tax liabilities	(130,645)	(129,825)
Net deferred income taxes	62,805	81,094
Deferred income taxes / liabilities included in the balance sheet are:
Deferred income tax asset - noncurrent	90,872	94,536
Deferred income tax liability - noncurrent	(28,067)	(13,442)
Net deferred income taxes	$ 62,805	$ 81,094

XML 100 R86.htm IDEA: XBRL DOCUMENT

Income Taxes - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Taxes [Line Items]
Deferred income tax asset - noncurrent	$ 90,872,000	$ 94,536,000
Deferred income tax liabilities - noncurrent	28,067,000	13,442,000
Decrease in deferred tax assets valuation allowance		$ 17,400,000
Tax credits expiration year		2020
Unrecognized tax benefit	21,079,000	$ 14,780,000	$ 14,996,000	$ 13,079,000
Net unrecognized tax benefits that, if recognized, would favorably impact the effective income tax rate	20,000,000	13,000,000
Decrease in unrecognized tax benefits due to the expiration of statutes of limitations and the settlement of various audits		2,000,000
Accrued interest and penalties related to income tax liabilities		2,200,000	2,400,000
Aggregate amount of interest and penalties recorded in the statement of operations		(100,000)	$ 200,000	$ 400,000
Undistributed earning of foreign subsidiaries	252,800,000
Accounting Standards Update 2015-17 [Member] \| Scenario Previously Reported
Income Taxes [Line Items]
Deferred income tax asset - current		44,100,000
Deferred income tax liabilities - current		200,000
Accounting Standards Update 2015-17 [Member] \| Scenario Adjustment
Income Taxes [Line Items]
Deferred income tax asset - noncurrent		44,100,000
Deferred income tax liabilities - noncurrent		200,000
Foreign Entities
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards	31,300,000
Deferred tax assets operating loss carry forwards not subject to expiration	$ 30,000,000
Deferred tax assets operating loss carry forwards not subject to expiration, expiration period	10 years
Valuation allowance against the tax benefit associated with NOLs	$ 500,000
Foreign tax credits carryforwards		31,900,000
Valuation allowance against tax credit		$ 10,700,000
Tax credits expiration year		2016
Foreign Entities \| Earliest Tax Year [Member]
Income Taxes [Line Items]
Tax years open for audit	2002
Foreign Entities \| Latest Tax Year [Member]
Income Taxes [Line Items]
Tax years open for audit	2014
India Tax Authority
Income Taxes [Line Items]
Income tax examination description	The Company's Indian income tax returns covering fiscal years 2002 through 2007 and 2010 through 2013 are under audit by the Indian tax authority.
Domestic federal
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards subject to expiration	$ 273,700,000
Deferred tax assets operating loss carry forwards expiration year	2017
Valuation allowance against the tax benefit associated with NOLs	$ 0
General business tax credit carryforwards		$ 10,400,000
State and Local Jurisdiction
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards subject to expiration	$ 12,400,000
Deferred tax assets operating loss carry forwards expiration year	2018
Valuation allowance against the tax benefit associated with NOLs	$ 6,200,000
General business tax credit carryforwards		$ 1,600,000

XML 101 R87.htm IDEA: XBRL DOCUMENT

Reconciliation of Beginning and Ending Amount of Unrecognized Tax benefits (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Balance of unrecognized tax benefits at beginning of year	$ 14,780	$ 14,996	$ 13,079
Increases for tax positions of prior years	1,449	84	1,560
Decreases for tax positions of prior years	(47)	(412)	(327)
Increases for tax positions established for the current period	9,866	491	1,739
Decreases for settlements with taxing authorities	(594)		(61)
Reductions resulting from lapse of applicable statute of limitation	(4,218)	(239)	(901)
Adjustment resulting from foreign currency translation	(157)	(140)	(93)
Balance of unrecognized tax benefits at end of year	$ 21,079	$ 14,780	$ 14,996

XML 102 R88.htm IDEA: XBRL DOCUMENT

Commitments and Contingencies - Additional Information (Detail) - USD ($) $ in Millions		12 Months Ended
	Sep. 23, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]
Operating leases expiration date		Oct. 31, 2028
Total operating lease expense		$ 26.6	$ 26.7	$ 30.9
Loss Contingency, name of plaintiff	Baldwin Hackett & Meeks, Inc.
Loss contingency, damages sought, value	$ 43.8
Loss contingency, damages awarded, value		43.8
Attorney fees and costs		$ 2.7

XML 103 R89.htm IDEA: XBRL DOCUMENT

Aggregate Minimum Operating Lease Payment (Detail) $ in Thousands	Dec. 31, 2015 USD ($)
Operating Leases
2016	$ 17,261
2017	14,040
2018	13,096
2019	11,606
2020	9,183
Thereafter	21,012
Total minimum lease payments	$ 86,198

XML 104 R90.htm IDEA: XBRL DOCUMENT

Accumulated Other Comprehensive Loss - Activity within Accumulated Other Comprehensive Loss (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (19,883)	$ (23,315)	$ (14,031)
Other comprehensive income (loss)	(51,693)	3,432	(9,284)
Ending balance	(71,576)	(19,883)	(23,315)
Unrealized gain on available-for-sale securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	22,977
Other comprehensive income (loss)	(22,977)	22,977
Ending balance		22,977
Foreign currency translation [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(42,860)	(23,315)	(14,031)
Other comprehensive income (loss)	(28,716)	(19,545)	(9,284)
Ending balance	$ (71,576)	$ (42,860)	$ (23,315)

- Definition

Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.

+ References + Details

XML 105 R91.htm IDEA: XBRL DOCUMENT

Quarterly Financial Data (Detail) - USD ($)
$ / shares in Units, $ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Revenues:

License

$ 94,230

$ 50,237

$ 67,161

$ 39,577

$ 80,425

$ 57,653

$ 61,377

$ 35,702

$ 251,205

$ 235,157

$ 233,931

Maintenance

63,000

59,262

60,141

59,492

67,421

63,764

62,309

62,499

241,895

255,993

245,954

Services

34,371

25,842

23,110

23,497

29,811

28,194

24,991

22,588

106,820

105,584

122,085

Hosting

117,036

103,360

115,410

110,251

112,567

100,033

106,131

100,684

446,057

419,415

262,958

Total revenues

308,637

238,701

265,822

232,817

290,224

249,644

254,808

221,473

1,045,977

1,016,149

864,928

Operating expenses:

Cost of license

^[1]

5,810

5,387

5,939

6,109

6,499

5,433

6,897

5,736

23,245

24,565

25,324

Cost of maintenance, services and hosting

^[1]

111,285

104,272

120,484

113,013

104,390

105,319

112,595

107,887

449,054

430,191

318,515

Research and development

33,285

36,123

39,425

37,091

31,554

36,321

38,876

37,456

145,924

144,207

142,557

Selling and marketing

40,747

28,451

31,298

28,911

29,053

27,078

28,007

27,909

129,407

112,047

99,828

General and administrative

20,552

20,284

25,008

21,575

19,938

25,329

24,682

25,116

87,419

95,065

99,300

Depreciation and amortization

22,985

20,298

20,004

19,693

19,519

18,295

17,010

17,078

82,980

71,902

56,356

Total operating expenses

234,664

214,815

242,158

226,392

210,953

217,775

228,067

221,182

918,029

877,977

741,880

Operating income

73,973

23,886

23,664

6,425

79,271

31,869

26,741

291

127,948

138,172

123,048

Other income (expense):

Interest expense

(10,198)

(9,728)

(10,505)

(10,941)

(10,818)

(10,416)

(9,329)

(9,175)

(41,372)

(39,738)

(27,221)

Interest income

132

102

143

135

199

386

575

659

Other, net

(1,284)

4,314

19,659

3,722

1,104

3,614

(3,901)

(1,057)

26,411

(240)

(3,327)

Total other income (expense)

(11,350)

(5,320)

9,212

(7,117)

(9,571)

(6,704)

(13,095)

(10,033)

(14,575)

(39,403)

(29,889)

Income (loss) before income taxes

62,623

18,566

32,876

(692)

69,700

25,165

13,646

(9,742)

113,373

98,769

93,159

Income tax expense (benefit)

18,856

3,786

5,825

(530)

23,334

9,433

2,409

(3,967)

27,937

31,209

29,291

Net income (loss)

$ 43,767

$ 14,780

$ 27,051

$ (162)

$ 46,366

$ 15,732

$ 11,237

$ (5,775)

$ 85,436

$ 67,560

$ 63,868

Earnings (loss) per share

Basic

$ 0.37

$ 0.13

$ 0.23

$ 0.00

$ 0.40

$ 0.14

$ 0.10

$ (0.05)

$ 0.73

$ 0.59

$ 0.54

Diluted

$ 0.36

$ 0.12

$ 0.23

$ 0.00

$ 0.40

$ 0.14

$ 0.10

$ (0.05)

$ 0.72

$ 0.58

$ 0.53

[1]	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

XML 106 R92.htm IDEA: XBRL DOCUMENT

Subsequent Event - Additional Information (Detail) - Subsequent Event - Community Financial Services products $ in Millions	Jan. 20, 2016 USD ($)
Subsequent Event [Line Items]
Subsequent event, date	Jan. 20, 2016
Sale of Financial Services products and related identified assets and liabilities	$ 200.0

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Delaware		47-0772104
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

3520 Kraft Rd, Suite 300 Naples, FL 34105		(239) 403-4600
(Address of principal executive offices, including zip code)		(Registrant’s telephone number, including area code)


		Page
PART I

Item 1.	Business		3
Item 1A. Item 1B.	Risk Factors Unresolved Staff Comments		19 27
Item 2.	Properties		27
Item 3.	Legal Proceedings		27
Item 4.	Mine Safety Disclosures		28

PART II

Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities		28
Item 6.	Selected Financial Data		31
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations		32
Item 7A.	Quantitative and Qualitative Disclosures About Market Risk		53
Item 8.	Financial Statements and Supplementary Data		54
Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure		54
Item 9A.	Controls and Procedures		54
Item 9B.	Other Information		57

PART III

Item 10.	Directors, Executive Officers and Corporate Governance		57
Item 11.	Executive Compensation		57
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters		57
Item 13.	Certain Relationships and Related Transactions, and Director Independence		57
Item 14.	Principal Accounting Fees and Services		58

PART IV

Item 15.	Exhibits, Financial Statement Schedules		58

Signatures			102


Name	Age		Position

Philip G. Heasley		66	President, Chief Executive Officer and Director
Scott W. Behrens		44	Senior Executive Vice President, Chief Financial Officer
Daniel J. Frate		55	Group President, Customer Management and Maintenance
Carolyn B. Homberger		35	Group President, ACI On Demand
Craig Saks		45	Group President, Strategic Products
Anthony M. Scotto, Jr.		59	Senior Executive Vice President, Technology
Dennis P. Byrnes		52	Executive Vice President, Chief Administrative Officer, General Counsel and Secretary


	Year ended December 31, 2015				Year ended December 31, 2014
	High		Low		High		Low

Fourth quarter	$	24.36	$	20.96	$	20.77	$	17.65
Third quarter	$	24.40	$	20.72	$	19.99	$	17.39
Second quarter	$	25.59	$	21.48	$	20.38	$	17.62
First quarter	$	21.90	$	17.84	$	21.45	$	18.43


Period	Total Number of Shares Purchased			Average Price Paid per Share		Total Number of Shares Purchased as Part of Publicly Announced Program		Approximate Dollar Value of Shares that May Yet Be Purchased Under the Program
October 1, 2015 through October 31, 2015		—		$	—		—	$	138,325,000
November 1, 2015 through November 30, 2015		3,750	(1)		23.87		—		138,325,000
December 1, 2015 through December 31, 2015		252	(1)		21.75		—		138,325,000

Total		4,002		$	23.74		—


	Years Ended December 31,
	2015 (1)			2014 (2)			2013 (3)		2012 (4)		2011
				(in thousands, except per share data)
Income Statement Data:
Total revenues	$	1,045,977		$	1,016,149		$	864,928	$	666,579	$	465,095
Net income	$	85,436		$	67,560		$	63,868	$	48,846	$	45,852
Earnings per share:
Basic (8)	$	0.73		$	0.59		$	0.54	$	0.42	$	0.46
Diluted (8)	$	0.72		$	0.58		$	0.53	$	0.41	$	0.45

Shares used in computing earnings per share:
Basic (8)		117,465			114,798			117,885		116,089		100,370
Diluted (8)		118,919			116,771			120,054		119,716		102,584

	As of December 31,
	2015 (1)			2014 (2)			2013 (3)		2012 (4)		2011
Balance Sheet Data:
Working capital (9)	$	(2,360	)	$	(4,672	)	$	43,922	$	55,359	$	88,863
Total assets		1,990,212			1,850,700			1,681,851		1,250,886		664,642
Current portion of debt (5)(6)		95,293			87,352			47,313		17,500		—
Debt (long-term portion) (6)(7)		854,480			809,479			716,763		369,064		77,058
Stockholders’ equity		654,400			581,405			543,694		534,357		317,330


	December 31, 2015		September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014

Americas	$	3,086	$	3,010	$	3,013	$	3,042	$	3,014
EMEA		898		834		840		805		855
Asia/Pacific		318		307		295		290		291

Total	$	4,302	$	4,151	$	4,148	$	4,137	$	4,160


	December 31, 2015		September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014

Committed	$	1,876	$	1,736	$	1,709	$	1,710	$	1,731
Renewal		2,426		2,415		2,439		2,427		2,429

Total	$	4,302	$	4,151	$	4,148	$	4,137	$	4,160


	December 31, 2015						December 31, 2014
	Monthly Recurring		Non- Recurring		Total		Monthly Recurring		Non- Recurring		Total
Americas	$	598	$	60	$	658	$	589	$	59	$	648
EMEA		160		31		191		146		45		191
Asia/Pacific		54		15		69		54		10		64

Total	$	812	$	106	$	918	$	789	$	114	$	903


	2015												2014
				% of Total			$ Change			% Change						% of Total
	Amount			Revenue			vs 2014			vs 2014			Amount			Revenue
Other income (expense):
Interest expense	$	(41,372	)		-4	%	$	(1,634	)		4	%	$	(39,738	)		-4	%
Interest income		386			0	%		(189	)		-33	%		575			0	%
Other, net		26,411			3	%		26,651			N/A			(240	)		0	%

Total other income (expense)	$	(14,575	)		-1	%	$	24,828			-63	%	$	(39,403	)		-4	%


	Payments due by Period
	Total		Less than 1 year		1-3 years		3-5 years		More than 5 years
Contractual Obligations
Operating lease obligations	$	86,198	$	17,261	$	27,136	$	20,789	$	21,012
Term credit facility		460,583		95,293		365,290		—		—
Revolving credit facility		178,000		—		178,000		—		—
Senior notes		300,000		—		—		300,000		—
Term credit facility interest (1)		24,670		11,386		13,284		—		—
Revolving credit facility interest (1)		12,721		4,770		7,951		—		—
Senior Notes Interest (2)		95,625		19,125		38,250		38,250		—
Financed internally used software (3)		20,201		11,691		8,510		—		—

Total	$	1,177,998	$	159,526	$	638,421	$	359,039	$	21,012


	Page

Report of Independent Registered Public Accounting Firm – Deloitte & Touche LLP		59

Consolidated Balance Sheets as of December 31, 2015 and 2014		60
Consolidated Statements of Income for each of the three years in the period ended December 31, 2015		61
Consolidated Statements of Comprehensive Income for each of the three years in the period ended December 31, 2015		62
Consolidated Statements of Stockholders’ Equity for each of the three years in the period ended December 31, 2015		63
Consolidated Statements of Cash Flows for each of the three years in the period ended December 31, 2015		64
Notes to Consolidated Financial Statements		65


	December 31, 2015			December 31, 2014
ASSETS
Current assets
Cash and cash equivalents	$	102,239		$	77,301
Receivables, net of allowances of $5,045 and $4,806, respectively		219,116			227,106
Recoverable income taxes		12,048			4,781
Prepaid expenses		27,461			24,314
Other current assets		27,220			40,417

Total current assets		388,084			373,919


Noncurrent assets
Property and equipment, net		60,630			60,360
Software, net		237,941			209,507
Goodwill		913,261			781,163
Intangible assets, net		256,925			261,436
Deferred income taxes, net		90,872			94,536
Other noncurrent assets, including $33,824 for assets at fair value at December 31, 2014		42,499			69,779

TOTAL ASSETS	$	1,990,212		$	1,850,700


LIABILITIES AND STOCKHOLDERS’ EQUITY
Current liabilities
Accounts payable	$	55,420		$	50,351
Employee compensation		31,213			35,299
Current portion of long-term debt		95,293			87,352
Deferred revenue		128,559			131,808
Income taxes payable		4,734			6,276
Other current liabilities		75,225			67,505

Total current liabilities		390,444			378,591


Noncurrent liabilities
Deferred revenue		42,081			49,224
Long-term debt		843,290			804,583
Deferred income taxes, net		28,067			13,442
Other noncurrent liabilities		31,930			23,455

Total liabilities		1,335,812			1,269,295


Commitments and contingencies (Note 14)

Stockholders’ equity
Preferred stock; $0.01 par value; 5,000,000 shares authorized; no shares issued at December 31, 2015 and 2014		—			—
Common stock; $0.005 par value; 280,000,000 shares authorized; 140,525,055 and 139,820,388 shares issued at December 31, 2015 and 2014, respectively		702			698
Additional paid-in capital		561,379			551,713
Retained earnings		416,851			331,415
Treasury stock, at cost, 21,491,285 and 24,182,584 shares at December 31, 2015 and 2014, respectively		(252,956	)		(282,538	)
Accumulated other comprehensive loss		(71,576	)		(19,883	)

Total stockholders’ equity		654,400			581,405

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	1,990,212		$	1,850,700


	FOR THE YEARS ENDED DECEMBER 31,
	2015			2014			2013

Revenues
License	$	251,205		$	235,157		$	233,931
Maintenance		241,895			255,993			245,954
Services		106,820			105,584			122,085
Hosting		446,057			419,415			262,958

Total revenues		1,045,977			1,016,149			864,928


Operating expenses
Cost of license (1)		23,245			24,565			25,324
Cost of maintenance, services and hosting (1)		449,054			430,191			318,515
Research and development		145,924			144,207			142,557
Selling and marketing		129,407			112,047			99,828
General and administrative		87,419			95,065			99,300
Depreciation and amortization		82,980			71,902			56,356

Total operating expenses		918,029			877,977			741,880


Operating income		127,948			138,172			123,048


Other income (expense)
Interest expense		(41,372	)		(39,738	)		(27,221	)
Interest income		386			575			659
Other, net		26,411			(240	)		(3,327	)


Total other income (expense)		(14,575	)		(39,403	)		(29,889	)


Income before income taxes		113,373			98,769			93,159
Income tax expense		27,937			31,209			29,291

Net income	$	85,436		$	67,560		$	63,868


Earnings per common share
Basic	$	0.73		$	0.59		$	0.54
Diluted	$	0.72		$	0.58		$	0.53

Weighted average common shares outstanding
Basic		117,465			114,798			117,885
Diluted		118,919			116,771			120,054


	Common Stock		Additional Paid- in Capital			Retained Earnings		Treasury Stock			Accumulated Other Comprehensive Income (Loss)			Total
Balance at December 31, 2012	$	698	$	534,487		$	199,987	$	(186,784	)	$	(14,031	)	$	534,357
Net Income		—		—			63,868		—			—			63,868
Other comprehensive loss		—		—			—		—			(9,284	)		(9,284	)
Stock-based compensation		—		13,572			—		—			—			13,572
Shares issued and forfeited, net, under stock plans including income tax benefits		—		(5,362	)		—		33,677			—			28,315
Repurchase of 4,970,424 shares of common stock		—		—			—		(80,912	)		—			(80,912	)
Repurchase of restricted stock and performance shares for tax withholdings		—		—			—		(6,222	)		—			(6,222	)

Balance as of December 31, 2013		698		542,697			263,855		(240,241	)		(23,315	)		543,694
Net Income		—		—			67,560		—			—			67,560
Other comprehensive income		—		—			—		—			3,432			3,432
Stock-based compensation		—		11,045			—		—			—			11,045
Shares issued and forfeited, net, under stock plans including income tax benefits		—		(2,029	)		—		32,823			—			30,794
Repurchase of 3,578,427 shares of common stock		—		—			—		(70,000	)		—			(70,000	)
Repurchase of restricted stock and performance shares for tax withholdings		—		—			—		(5,120	)		—			(5,120	)

Balance as of December 31, 2014		698		551,713			331,415		(282,538	)		(19,883	)		581,405
Net Income		—		—			85,436		—						85,436
Other comprehensive loss		—		—			—		—			(51,693	)		(51,693	)
Stock-based compensation		—		18,380			—		—			—			18,380
Shares issued and forfeited, net, under stock plans including income tax benefits		—		(14,089	)		—		34,231			—			20,142
Issuance of 476,750 shares under stock plan portion of PAY.ON acquisition agreement		3		(3	)		—		—			—			—
Issuance of 227,917 shares of common stock for acquisition of PAY.ON		1		5,378			—		—			—			5,379
Repurchase of restricted stock and performance shares for tax withholdings		—		—			—		(4,649	)		—			(4,649	)

Balance as of December 31, 2015	$	702	$	561,379		$	416,851	$	(252,956	)	$	(71,576	)	$	654,400


Name	Title	Date

/s/ PHILIP G. HEASLEY Philip G. Heasley	President, Chief Executive Officer and Director (Principal Executive Officer)	February 26, 2016

/s/ SCOTT W. BEHRENS Scott W. Behrens	Senior Executive Vice President, Chief Financial Officer and Chief Accounting Officer (Principal Financial Officer)	February 26, 2016

/s/ DAVID A. POE David A. Poe	Chairman of the Board and Director	February 26, 2016

/s/ JAN H. SUWINSKI	Director	February 26, 2016
Jan H. Suwinski

/s/ JOHN M. SHAY JR.	Director	February 26, 2016
John M. Shay Jr.

/s/ JAMES C. MCGRODDY	Director	February 26, 2016
James C. McGroddy

/s/ JAMES C. HALE	Director	February 26, 2016
James C. Hale

/s/ CHARLES E. PETERS JR	Director	February 26, 2016
Charles E. Peters JR

/s/ ADALIO T. SANCHEZ	Director	February 26, 2016
Adalio T. Sanchez

/s/ THOMAS W. WARSOP III	Director	February 26, 2016
Thomas W. Warsop III


Exhibit No.			Description

2.01	(1)		Transaction Agreement by and among ACI Worldwide, Inc., Antelope Acquisition Co., LLC and S1 Corporation

2.02	(2)		Transaction Agreement, dated January 30, 2013, by and among ACI Worldwide, Inc., Ocelot Acquisition Corp. and Online Resources Corporation.

2.03	(3)		Agreement and Plan of Merger, dated September 23, 2013, by and among ACI Worldwide, Inc., Olympic Acquisition Corp. and Official Payments Holdings, Inc.

2.04	(4)		Share Purchase Agreement dated July 21, 2014, by and among ACI Worldwide Corp., Applied Communications Inc. U.K. Holding Limited, Retail Decisions Limited and Cardcast Limited

3.01	(5)		2013 Amended and Restated Certificate of Incorporation of the Company

3.02	(6)		Amended and Restated Bylaws of the Company

4.01	(7)		Form of Common Stock Certificate

4.02	(8)		Indenture, dated as of August 20, 2013, among the ACI Worldwide, Inc., the guarantors listed therein, and Wilmington Trust, National Association, as trustee

4.03			Form of 6.375% Senior Notes due 2020 (included as Exhibit A to Exhibit 4.02)

10.01	(9)	*	Stock and Warrant Holders Agreement, dated as of December 30, 1993

10.02	(10)	*	ACI Holding, Inc. 1994 Stock Option Plan, as amended

10.03	(11)	*	Transaction Systems Architects, Inc. 1996 Stock Option Plan, as amended

10.04	(12)	*	ACI Worldwide, Inc. 1999 Stock Option Plan, as amended

10.05	(13)	*	ACI Worldwide, Inc. 1999 Employee Stock Purchase Plan, as amended

10.06	(14)	*	Transaction Systems Architects, Inc. 2002 Non-Employee Director Stock Option Plan, as amended

10.07	(15)	*	ACI Worldwide, Inc. 2005 Equity and Performance Incentive Plan, as amended

10.08	(16)	*	Form of Severance Compensation Agreement (Change-in-Control) between the Company and certain officers, including executive officers

10.09	(17)	*	Form of Indemnification Agreement between the Company and certain officers, including executive officers

10.10	(18)	*	Form of Stock Option Agreement for the Company’s 1994 Stock Option Plan

10.11	(19)	*	Form of Stock Option Agreement for the Company’s 1996 Stock Option Plan

10.12	(20)	*	Form of Stock Option Agreement for the Company’s 1999 Stock Option Plan

10.13	(21)	*	Form of Stock Option Agreement for the Company’s 2002 Non-Employee Director Plan

10.14	(22)	*	Form of Nonqualified Stock Option Agreement – Non-Employee Director for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.15	(23)	*	Form of Nonqualified Stock Option Agreement – Employee for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.16	(24)	*	Form of LTIP Performance Shares Agreement for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.17	(25)	*	Amended and Restated Employment Agreement by and between the Company and Philip G. Heasley, dated December 4, 2015 (effective as of January 7, 2016)

10.18	(26)	*	Stock Option Agreement by and between the Company and Philip G. Heasley, dated March 9, 2005

10.19	(27)	*	Executive Management Incentive Compensation Plan

10.20	(28)	*	ACI Worldwide, Inc. 2013 Executive Management Incentive Compensation Plan

10.21	(29)	*	Form of Change-in-Control Employment Agreement between the Company and certain officers, including executive officers

10.22	(30)	*	Form of Restricted Share Award Agreement for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.23	(31)	*	Amended and Restated Deferred Compensation Plan

10.24	(32)		Credit Agreement, dated November 10, 2011, by and among ACI Worldwide, Inc., Wells Fargo Bank, N.A. and the lenders that are party thereto

10.25	(33)		First Amendment and Consent and Waiver No. 3 to Credit Agreement, dated September 11, 2012, by and among ACI Worldwide, Inc., the subsidiary guarantors thereto, Wells Fargo Bank, National Association and the other lenders party thereto

10.26	(34)		Incremental Term Loan Agreement, dated March 7, 2013, by and among ACI Worldwide, Inc., Wells Fargo Bank, National Association, as Administrative Agent, and the lenders that are party thereto

10.27	(35)		Fourth Amendment to Credit Agreement, dated August 20, 2013, by and among ACI Worldwide, Inc., the subsidiary guarantors thereto, Wells Fargo Bank, National Association, as administrative agent, and the lenders that are party thereto



10.28	(36)		Form of Restricted Share Award Agreement – Non-Employee Director for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.29	(37)		Fifth Amendment to Credit Agreement and Second Amendment to Collateral Agreement, dated August 12, 2014, among ACI Worldwide, Inc., the subsidiary guarantors party thereto, the lenders party thereto, Wells Fargo Bank, National Association, as administrative agent, and Bank of America, N.A., as lead arranger

10.30	(38)		Lender Addition and Acknowledgement Agreement, dated August 12, 2014, by and among ACI Worldwide, Inc., the subsidiary guarantors party thereto, the incremental term lenders party thereto, Wells Fargo Bank, National Association, as administrative agent, and Bank of America, N.A., as lead arranger

10.31	(39)		Form of 2015 Supplemental Performance Shares Agreement for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.32	(40)		Form of 2015 Supplemental Non-Qualified Stock Option Agreement for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.33	(41)		Form of 2015 Performance Shares Agreement for the Company’s 2005 Equity and Performance Incentive Plan, as amended

10.34	(42)		Form of 2015 Non-Qualified Stock Option Agreement – Employee for the Company’s 2005 Equity and Performance Incentive Plan, as amended

21.01			Subsidiaries of the Registrant (filed herewith)

23.01			Consent of Independent Registered Public Accounting Firm (filed herewith) - Deloitte & Touche LLP

31.01			Certification of Chief Executive Officer pursuant to S.E.C. Rule 13a-14, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (filed herewith)

31.02			Certification of Chief Financial Officer pursuant to S.E.C. Rule 13a-14, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (filed herewith)

32.01		**	Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (furnished herewith)

32.02		**	Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (furnished herewith)

101.INS			XBRL Instance Document

101.SCH			XBRL Taxonomy Extension Schema

101.CAL			XBRL Taxonomy Extension Calculation Linkbase

101.LAB			XBRL Taxonomy Extension Label Linkbase

101.PRE			XBRL Taxonomy Extension Presentation Linkbase

101.DEF			XBRL Taxonomy Extension Definition Linkbase


ACI Australia Pty. Ltd		Australia
ACI Worldwide (Pacific) Pty. Ltd.		Australia
Distra Pty. Ltd		Australia
ACI Worldwide (Canada), Inc.		Canada
ACI Worldwide Colombia S.A.S.		Colombia
Official Payments Corporation		Delaware
ACI Worldwide (eps) AG		Germany
ACI Worldwide Solutions Private Limited		India
Applied Communications GPC Limited		Ireland
Applied Communications (Ireland) Limited		Ireland
ACI Worldwide (Italia) S.R.L.		Italy
ACI Worldwide (Luxembourg) S.a.r.l.		Luxembourg
ACI Worldwide Corp.		Nebraska
ACI Worldwide B.V.		Netherlands
ACI Worldwide (Asia) Pte. Ltd.		Singapore
ACI Worldwide (South Africa) (Pty.) Ltd.		South Africa
ACI Worldwide Cornastone (Proprietary) Ltd.		South Africa
PM Systems Corporation		South Carolina
ACI Global Limited		United Kingdom
Applied Communications Inc. U.K. Holding Limited		United Kingdom
ACI Worldwide (EMEA) Limited		United Kingdom
S1 International IP Holding Limited		United Kingdom


Date: February 26, 2016		/s/ SCOTT W. BEHRENS
		Scott W. Behrens
		Senior Executive Vice President, Chief Financial Officer and Chief Accounting Officer (Principal Financial Officer)