ACI Worldwide, Inc. develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. The Company also distributes or acts as a sales agent for software developed by third parties. Its products and services are used principally by financial institutions, retailers, billers and electronic payment processors, both in domestic and international markets. The Company's products are sold and supported through distribution networks covering three geographic regions, including the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. The Company's products and services are designed to address a range of payment-related issues, including electronic payments, merchant acquiring and fraud detection and prevention. The Company's products are marketed under the ACI Worldwide, ACI Payment Systems, ACI Proactive Risk Manager, ACI Universal Payments, UP, UP Bill Payment, UP Framework and UP Immediate Payments brand names.