View Filing Data

Weighted average common shares outstanding

109,862

(16,252)

(34,143)

^[2]

126,114

^[2]

62,623

18,566

32,876

(692)

185,581

113,373

98,769

Income tax expense

43,171

(6,426)

(17,669)

^[2]

36,970

^[2]

18,856

3,786

5,825

(530)

56,046

27,937

31,209

Net income

$ 66,691

$ (9,826)

$ (16,474)

^[2]

$ 89,144

^[2]

$ 43,767

$ 14,780

$ 27,051

$ (162)

$ 129,535

$ 85,436

$ 67,560

Earnings per common share

Basic

$ 0.57

$ (0.08)

$ (0.14)

$ 0.75

$ 0.37

$ 0.13

$ 0.23

$ 0.00

$ 1.10

$ 0.73

$ 0.59

Diluted

$ 0.56

$ (0.08)

$ (0.14)

$ 0.74

$ 0.36

$ 0.12

$ 0.23

$ 0.00

$ 1.09

$ 0.72

$ 0.58

Basic

117,533

117,465

114,798

Diluted

118,847

118,919

116,771

[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.

[2]

As previously discussed in Note 1, Nature of Business and Summary of Significant Accounting Policies, the Company adopted ASU 2016-09 during the year ended December 31, 2016. The Company elected to early adopt ASU 2016-09 in the third quarter of 2016, which requires it to reflect any adjustments as of January 1, 2016, the beginning of the annual period that includes the interim period of adoption. The impact of the adoption to the Company's previously reported quarterly results for the quarters ended March 31 and June 30, 2016 are reflected in the table above.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Net Income	$ 129,535	$ 85,436	$ 67,560
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	(22,524)	(28,716)	(19,545)
Total other comprehensive income (loss)	(22,524)	(51,693)	3,432
Comprehensive income	$ 107,011	$ 33,743	$ 70,992

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, 2013	$ 543,694	$ 698	$ 542,697	$ 263,855	$ (240,241)	$ (23,315)
Net Income	67,560			67,560
Other comprehensive income (loss)	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 income (loss)	(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
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
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)
Net Income	129,535			129,535
Other comprehensive income (loss)	(22,524)					(22,524)
Stock-based compensation	43,613		43,613
Shares issued and forfeited, net, under stock plans including income tax benefits	13,056		(5,204)		18,260
Repurchase of common stock	(60,089)				(60,089)
Repurchase of restricted stock and performance shares for tax withholdings	(2,975)				(2,975)
Cumulative effect of accounting change, ASU 2016-09 (Note 1)	(99)		556	(655)
Ending Balance at Dec. 31, 2016	$ 754,917	$ 702	$ 600,344	$ 545,731	$ (297,760)	$ (94,100)

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Issuance of shares of common stock for acquisition of PAY.ON		227,917
Repurchase of common stock, shares	3,020,926		3,578,427
PAY.ON RSAs [Member]
Issuance of shares under stock plan portion of PAY.ON acquisition agreement		476,750

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net Income	$ 129,535	$ 85,436	$ 67,560
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation	22,584	21,656	20,506
Amortization	80,870	75,775	66,177
Amortization of deferred debt issuance costs	5,567	6,244	5,877
Deferred income taxes	17,702	19,328	8,437
Stock-based compensation expense	43,613	18,380	11,045
Gain on sale of available-for-sale equity securities		(24,465)
Gain on sale of CFS assets	(151,463)
Other	806	2,725	1,852
Changes in operating assets and liabilities, net of impact of acquisitions:
Receivables	(76,460)	(11,355)	(30,643)
Accounts payable	(13,920)	8,557	(3,422)
Accrued employee compensation	18,060	(1,998)	(6,360)
Current income taxes	14,510	(8,244)	10,968
Deferred revenue	3,015	(4,513)	15,738
Other current and noncurrent assets and liabilities	5,411	468	(6,902)
Net cash flows from operating activities	99,830	187,994	160,833
Cash flows from investing activities:
Purchases of property and equipment	(40,812)	(27,283)	(17,627)
Purchases of software and distribution rights	(22,268)	(21,622)	(17,273)
Proceeds from sale of available-for-sale equity securities		35,311
Proceeds from sale of CFS assets	199,481
Acquisition of businesses, net of cash acquired	232	(179,367)	(204,290)
Other	(7,000)	(7,000)	(1,500)
Net cash flows from investing activities	129,633	(199,961)	(240,690)
Cash flows from financing activities:
Proceeds from issuance of common stock	2,987	3,104	2,780
Proceeds from exercises of stock options	9,325	12,175	16,461
Repurchases of common stock	(60,089)		(70,000)
Repurchase of restricted stock and performance shares for tax withholdings	(2,975)	(4,649)	(5,120)
Proceeds from revolving credit facility	76,000	298,000	169,500
Proceeds from term portion of credit agreement			150,000
Repayments of revolving credit facility	(166,000)	(164,000)	(125,500)
Repayment of term portion of credit agreement	(95,293)	(87,352)	(57,449)
Payments on other debt and capital leases	(14,376)	(12,638)	(8,344)
Payment for debt issuance costs	(655)		(4,662)
Distribution to noncontrolling interest			(1,391)
Net cash flows from financing activities	(251,076)	44,640	66,275
Effect of exchange rate fluctuations on cash	(4,873)	(7,735)	(4,176)
Net increase (decrease) in cash and cash equivalents	(26,486)	24,938	(17,758)
Cash and cash equivalents, beginning of period	102,239	77,301	95,059
Cash and cash equivalents, end of period	75,753	102,239	77,301
Supplemental cash flow information
Income taxes paid, net	19,081	24,036	23,082
Interest paid	$ 35,053	$ 35,183	$ 33,269

Nature of Business and Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2016

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, and 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. 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 (“U.S. GAAP”) 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 Accounting Standards Codification (“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,
	2016		2015		2014
License	$	6,759	$	7,797	$	22,211
Maintenance		3,268		3,801		7,699
Services		268		321		13

Total	$	10,295	$	11,919	$	29,923

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 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.


	December 31,
	2016			2015
Billed Receivables	$	250,116		$	192,045
Allowance for doubtful accounts		(3,873	)		(5,045	)

Billed, net		246,243			187,000
Accrued Receivables		21,919			32,116

Receivables, net	$	268,162		$	219,116

No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2016 or 2015.

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,
	2016			2015			2014
Balance, beginning of period	$	(5,045	)	$	(4,806	)	$	(4,459	)
Provision (increase) decrease		(1,595	)		(2,425	)		(1,049	)
Amounts written off, net of recoveries		2,551			2,088			1,053
Foreign currency translation adjustments and other		216			98			(351	)

Balance, end of period	$	(3,873	)	$	(5,045	)	$	(4,806	)

Provision (increases) decreases recorded in general and administrative expenses during the years ended December 31, 2016, 2015, and 2014, 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,
	2016		2015
Settlement deposits	$	10,496	$	5,357
Settlement receivables		14,327		7,961
Other		8,755		8,319

Total other current assets	$	33,578	$	21,637


	December 31,
	2016		2015
Settlement payables	$	24,016	$	11,250
Accrued interest		7,356		7,501
Vendor financed licenses		9,213		15,723
Royalties payable		7,197		4,910
Other		31,059		35,841

Total other current liabilities	$	78,841	$	75,225

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, 2016 and 2015 were $270.0 million and $260.2 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, 2016 and 2015, net property and equipment consisted of the following (in thousands):


	Useful Lives		2016			2015
Computer and office equipment		3 to 5 years	$	105,692		$	92,237
Leasehold improvements		Lesser of useful life of improvement or remaining life of lease		33,093			19,380
Furniture and fixtures		7 years		11,145			11,304
Building and improvements		7 - 30 years		10,391			10,340
Land		Non depreciable		1,785			1,785

				162,106			135,046
Less: accumulated depreciation and amortization				(83,156	)		(74,416	)

Property and equipment, net			$	78,950		$	60,630

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, 2016 and 2015, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2014	$	523,914		$	240,303		$	64,378		$	828,595
Total impairment prior to December 31, 2014		(47,432	)		—			—			(47,432	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (1)		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
Goodwill from acquisitions (2)		—			511			—			511
Foreign currency translation adjustments		256			(3,208	)		(1,129	)		(4,081	)

Balance, December 31, 2016	$	477,397		$	374,130		$	58,164		$	909,691

(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, Acquisitions.

(2)	Goodwill from acquisitions relates to the adjustments to goodwill related to the acquisition of PAY.ON, as discussed in Note 2.

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 awards that are probable of vesting, on a straight-line basis over the requisite service period of the award, which is generally the vesting term. 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 is 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 12, 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 U. S. 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. 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.

New Accounting Standards Recently Adopted

In April 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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 has adopted ASU 2015-03 as of January 1, 2016 and applied retrospectively. See Note 5, Debt, for additional details regarding the application of ASU 2015-03.

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. The Company has adopted ASU 2015-05 as of January 1, 2016 and applied prospectively. The adoption of this standard update did not have a material impact on the Company’s financial position, results of operations, or cash flow as of December 31, 2016.

In September 2015, the FASB issued ASU 2015-16, Business Combinations. ASU 2015-16 requires that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period after an acquisition within the reporting period they are determined. This is a change from the previous requirement that the adjustments be recorded retrospectively. The ASU also requires disclosure of the effect on earnings of changes in depreciation, amortization or other income effects, if any, as a result of the adjustment to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The ASU is effective for annual reporting periods (including interim reporting periods within those periods) beginning after December 15, 2015. The Company has adopted ASU 2015-16 prospectively as of January 1, 2016. The adoption did not have a material effect on the Company’s financial position, results of operations, or cash flow as of December 31, 2016.

In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation: Improvements to Employee Share-Based Payment Accounting, which changes accounting for certain aspects of employee share-based payments. The new guidance requires excess tax benefits and tax deficiencies to be recorded in the income statement when the awards vest or are settled. In addition, cash flows related to excess tax benefits will no longer be separately classified as a financing activity apart from other income tax cash flows. The standard also allows companies to repurchase more of an employee’s shares for tax withholding purposes without triggering liability accounting, clarifies that all cash payments made on an employee’s behalf for withheld shares should be presented as a financing activity on the cash flows statement, and provides an accounting policy election to account for forfeitures as they occur. The standard is effective for fiscal years beginning after December 15, 2016, including interim periods within those fiscal years, with early adoption permitted. The Company elected to early adopt these amendments in the third quarter of 2016, which requires it to reflect any retroactive adjustments as of January 1, 2016, the beginning of the annual period that includes the interim period of adoption.

Stock-based compensation excess tax benefit or deficiencies are now reflected in the consolidated statement of income as a component of the provision for income taxes, whereas they were previously recognized in equity. This amendment and additional amendments to the accounting for income taxes and minimum statutory withholding tax requirements had no impact on retained earnings.

The consolidated statements of cash flows now present excess tax benefits as an operating activity. The Company has elected the retrospective transition method and as a result the consolidated statement of cash flows were adjusted as follows: a $4.9 million and $11.8 million increase to net cash provided by operating activities and a $4.9 million and $11.8 million increase to net cash used in financing activities for the years ended December 31, 2015 and 2014, respectively. The presentation requirements for cash flows related to employee taxes paid for withheld shares had no impact to any of the periods presented as the Company has historically presented them as a financing activity.

The Company has elected to account for forfeitures as they occur, rather than estimate expected forfeitures. Under the modified retrospective transition method, the Company has recognized a cumulative-effect reduction to retained earnings of $0.7 million as of January 1, 2016, net of tax of $0.4 million.

Recently Issued Accounting Standards Not Yet Effective

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (codified as “ASC 606”). ASC 606 will supersede 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 to fiscal years beginning after December 15, 2017, and for interim periods within those fiscal years. The Company will adopt the standard effective January 1, 2018. 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 as it is continuing to assess the data (historical and current) and system requirements under each method.

During 2016, the Company began its detailed assessment of the impact of ASC 606. While the Company continues to evaluate the method of transition and the impact of the standard on its consolidated financial statements and related disclosures, at this time the Company cannot estimate the quantitative impact of adopting the new standard. However, the Company currently believes the most significant impacts relate to changes in the timing of recognition for software license revenues and sales commission expenses. The Company expects revenue related to maintenance and services to remain substantially unchanged and are performing a detailed analysis of the impact of the new standard on its hosting revenues. In particular, this analysis is focused on the nature of the Company’s promise to the customers of its hosted products and solutions, the pricing structures used in its hosted arrangements and whether certain practical expedients provided for within the new standard apply to these arrangements.

As it relates to software license revenues, under ASC 606 the Company expects to recognize revenue in advance of billings for software license arrangements with extended payment terms as opposed to when payments become due and payable. Additionally, the Company expects that those same software license arrangements may contain a significant financing component which could result in a change in the amount of the contract value that is allocated to software license revenue. Additionally, because the requirement to have VSOE of fair value for undelivered elements is eliminated under the new standard, the Company expects the amounts allocated to software license, maintenance and services revenues for most software license arrangements to be recognized as each element is delivered or provided to the customer. Under current U.S. GAAP, when software license arrangements include PCS terms that fail to achieve VSOE of fair value the Company recognizes all revenues in the arrangement ratably over a longer service period.

The Company is assessing whether or not sales commissions will be accounted for as incremental costs of obtaining a contract under the new standard. If we determine sales commissions meet the definition of incremental costs of obtaining a contract, the costs associated with sales commissions will likely be capitalized and expense recognized as the related goods or services are transferred to the customer. The Company currently recognizes sales commission expenses as they are incurred.

In February 2016, the FASB issued ASU 2016-02, Leases. This standard requires a lessee to record on the balance sheet the assets and liabilities for the rights and obligations created by leases with lease terms of more than 12 months. In addition, this standard requires both lessees and lessors to disclose certain key information about lease transactions. This standard will be effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently assessing the impact the adoption of ASU 2016-02 will have on its financial position, results of operations, and cash flow.

In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows – Classification of Certain Cash Receipts and Cash Payments, an update that addresses how certain cash receipts and cash payments are presented and classified in the statement of cash flows. Among the cash flow matters addressed in the update are payments for costs related to debt prepayments or extinguishments, payments related to settlement of certain types of debt instruments, payments of contingent consideration made after a business combination, proceeds from insurance claims and corporate-owned life insurance policies, and distributions received from equity method investees, among others. The standard is effective for fiscal beginning after December 31, 2017, including interim periods within that fiscal year. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period, and all of the amendments must be adopted together in the same period. The amendments will be applied using a retrospective transition method to each period presented, unless impracticable for specific cash flow matters, in which case the amendments would be applied prospectively as of the earliest date practicable. The Company is currently assessing the impact of ASU 2016-15 on its consolidated statement of cash flows.

In October 2016, the FASB issued ASU 2016-16, Intra-Entity Transfers of Assets Other than Inventory, to simplify the accounting for the income tax consequences of intra-entity transfers of assets other than inventory. Currently, U.S. GAAP prohibits the recognition of current and deferred income taxes for an intra-entity asset transfer until the asset has been sold to an outside party. This prohibition on recognition is an exception to the principle of comprehensive recognition of current and deferred income taxes in U.S. GAAP. The limited amount of authoritative guidance about the exception has led to diversity in practice and is a source of complexity in financial reporting, particularly for an intra-entity transfer of intellectual property. Under the amendments of ASU 2016-16, an entity should recognize the income tax consequences of an intra-entity transfer of an asset other than inventory when the transfer occurs. Consequently, this amendment eliminates the exception for an intra-entity transfer of an asset other than inventory. The standard is effective for fiscal year beginning after December 15, 2017, including interim reporting periods within that fiscal year. Early adoption is permitted as of the beginning of an annual reporting period for which financial statements have not been issued or made available for issuance. The amendments to this ASU should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. The Company is currently assessing the impact of ASU 2016-16 on its financial position, results of operations, and cash flow.

In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment, an update that eliminates Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities, including unrecognized assets and liabilities. Under the amendments in ASU 2017-04, an entity should perform its annual or interim goodwill test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value. However, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable. An entity no longer will determine goodwill impairment by calculating the implied fair value of goodwill by assigning the fair value of a reporting unit to all of its assets and liabilities as if that reporting unit had been acquired in a business combination. The standard is effective for annual or interim goodwill impairment tests in fiscal years beginning December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. The Company is currently assessing the impact of ASU 2017-04 on its annual goodwill impairment test and possible early adoption.

Acquisitions

12 Months Ended

Dec. 31, 2016

Business Combinations [Abstract]

Acquisitions

2. Acquisitions

Fiscal 2015 Acquisitions

PAY.ON

On November 4, 2015, the Company completed the acquisition of PAY.ON for $186.1 million in cash and stock. PAY.ON is a leader in eCommerce payments gateway solutions to payment service providers globally. Their advanced platform-based solution complements and strengthens the Company’s Merchant Retail Omni-Channel Universal Payments offerings. The combined entities provides 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 5, Debt, for terms of the Credit Facility.

The purchase price of PAY.ON was comprised of (in thousands):


	Amount
Cash payments to PAY.ON shareholders	$	180,994
Issuance of ACI common stock		5,379
Working capital adjustment		(232	)

Total purchase price	$	186,141

The aggregate purchase price of PAY.ON was $186.1 million, after working capital adjustments in accordance with the terms of the acquisition agreement. The consideration paid by the Company has been allocated to specific assets and liabilities based on the relative fair value of all assets and liabilities.

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 $16.5 million and $2.9 million in revenue and an operating loss of $17.1 million and $2.1 million for the years ended December 31, 2016 and 2015, respectively.

In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2016.


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives		PAY.ON
Current assets:
Cash and cash equivalents			$	1,627
Receivables				2,649
Other current assets				502

Total current assets acquired				4,778

Noncurrent assets:
Property and equipment				332
Goodwill				140,526
Software		5 years		34,150
Customer relationships		15 years		21,718
Trademarks		5 years		2,300
Other noncurrent assets				28

Total assets acquired				203,832

Current liabilities:
Accounts payable				1,058
Employee compensation				681
Other current liabilities				866

Total current liabilities acquired				2,605

Noncurrent liabilities:
Deferred income taxes				15,086

Total liabilities acquired				17,691

Net assets acquired			$	186,141

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 5, 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				10,106
Other current assets				10,282

Total current assets acquired				21,183

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				565
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.

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).

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Goodwill and Intangible Assets Disclosure [Abstract]

Divestiture	12 Months Ended
Divestiture	Dec. 31, 2016
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Divestiture	3. Divestiture Community Financial Services On March 3, 2016, the Company completed the sale of its Community Financial Services (“CFS”) related assets and liabilities, a part of the Americas segment, to Fiserv, Inc. (“Fiserv”) for $200.0 million. The sale of CFS, which was not strategic to the Company’s long-term strategy, is part of the Company’s ongoing efforts to expand as a provider of software products, Software as a Service-based, and platform-based solutions facilitating real-time electronic and eCommerce payments for large financial institutions, intermediaries, retailers, and billers worldwide. The sale included employee agreements and customer contracts as well as technology assets and intellectual property. For the year ended December 31, 2016, the Company recognized a net after-tax gain of $93.4 million on the sale of assets to Fiserv. This gain includes final post-closing adjustments pursuant to the definitive transaction agreement of $0.5 million recognized during the year ended December 31, 2016. The Company and Fiserv have also entered into a Transition Services Agreement (“TSA”), whereby the Company continues to perform certain functions on Fiserv’s behalf during a migration period not to exceed 18 months from the date of the sale. The TSA is meant to reimburse the Company for direct costs incurred in order to provide such functions, which are no longer generating revenue for the Company.

Software and Other Intangible Assets

12 Months Ended

Dec. 31, 2016

Software and Other Intangible Assets

4. Software and Other Intangible Assets

At December 31, 2016, software net book value totaled $185.5 million, net of $195.0 million of accumulated amortization. Included in this amount is software marketed for external sale of $52.3 million. The remaining software net book value of $133.2 million is comprised of various software that has been acquired or developed for internal use.

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.

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, 2016, 2015, and 2014 totaled $13.9 million, $14.5 million, and $14.8 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, 2016, 2015, and 2014 totaled $45.7 million, $38.3 million, and $26.7 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, 2016							December 31, 2015
	Gross Carrying Amount		Accumulated Amortization			Net Balance		Gross Carrying Amount		Accumulated Amortization			Net Balance
Customer relationships	$	295,730	$	(96,356	)	$	199,374	$	336,075	$	(86,585	)	$	249,490
Trademarks and tradenames		16,019		(11,759	)		4,260		18,040		(10,605	)		7,435
Purchased Contracts		10,429		(10,429	)		—		10,690		(10,690	)		—

	$	322,178	$	(118,544	)	$	203,634	$	364,805	$	(107,880	)	$	256,925

Other intangible assets amortization expense recorded during the years ended December 31, 2016, 2015, and 2014 totaled $21.2 million, $23.0 million, and $24.7 million, respectively.

Based on capitalized intangible assets at December 31, 2016, 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
2017	$	55,229	$	19,040
2018		41,254		18,537
2019		32,871		18,006
2020		25,733		17,139
2021		17,848		16,677
Thereafter		12,561		114,235

Total	$	185,496	$	203,634

Debt

12 Months Ended

Dec. 31, 2016

Debt Disclosure [Abstract]

Debt

5. Debt

As of December 31, 2016, the Company had $88.0 million, $365.3 million, and $300.0 million outstanding under its Revolving Credit Facility, Term Credit Facility, and Senior Notes, respectively, with up to $154.5 million of unused borrowings under the Revolving Credit Facility portion of the Credit Agreement, as amended, and up to $7.5 million of unused borrowings under the Letter of Credit agreement. 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. The amendment extended the Credit Facility through August 20, 2018.

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, 2016 for the Credit Facility was 3.27%.

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.

Subsequent Event

On February 24, 2017, the Company entered into an amended and restated credit agreement (the “Amended Credit Agreement”) with a syndicate of financial institutions, as lenders, and Bank of America, N.A. (“BofA”), as Administrative Agent, providing for revolving loans, swingline loans, letters of credit, and a term loan. The Amended Credit Agreement’s terms and conditions are substantially the same as the Credit Agreement with the following exceptions: (i) the aggregate term loan commitment shall be $415.0 million, (ii) the aggregate revolving credit commitment shall be $500.0 million, and (iii) the maturity date is extended to February 24, 2022.

Letter of Credit

On February 29, 2016, the Company entered into a standby letter of credit (the “Letter of Credit”), under the terms of the Credit Agreement, for $25.0 million. On October 26, 2016, the Letter of Credit was renewed at $7.5 million, which expires on June 30, 2017. At any time the Company may request to close the Letter of Credit. The Letter of Credit reduces the maximum available borrowings under our Revolving Credit Facility to $242.5 million. Upon expiration of the Letter of Credit, maximum borrowings will return to $250.0 million.

Senior Notes

On August 20, 2013, the Company completed a $300.0 million offering of Senior Notes (“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.

Maturities on long-term debt outstanding at December 31, 2016 are as follows (amounts in thousands):


Fiscal year ending December 31,
(in thousands)
2017	$	95,293
2018		357,997
2019		—
2020		300,000

Total	$	753,290

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. On June 30, 2016, the Company requested and obtained a waiver to the application of the Consolidated Fixed Charge Coverage Ratio covenant in the Credit Agreement for the fiscal quarters ending June 30, 2016, September 30, 2016, and December 31, 2016. On November 2, 2016, the Company obtained an amendment to increase the Consolidated Net Leverage Ratio covenant in the Credit Agreement from 3.75 to 4.00 for the fiscal quarter ended September 30, 2016. As of December 31, 2016, and at all times during the period, the Company was in compliance with all other financial debt covenants.


(in thousands)	As of December 31, 2016			As of December 31, 2015
Term credit facility	$	365,290		$	460,583
Revolving credit facility		88,000			178,000
6.375% Senior Notes, due August 2020		300,000			300,000
Debt issuance costs		(9,372	)		(14,424	)

Total debt		743,918			924,159
Less current portion of term credit facility		95,293			95,293
Less current portion of debt issuance costs		(4,970	)		(5,583	)

Total long-term debt	$	653,595		$	834,449

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. The Company adopted ASU 2015-03 as of January 1, 2016 and applied retrospectively. The adoption of this standard resulted in the reclassification in the consolidated balance sheet as of December 31, 2015 of $5.6 million from other current assets to current portion of long-term debt and $8.8 million from other noncurrent assets to long-term debt.

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, $9.0 million and $20.2 million remained outstanding at December 31, 2016 and 2015, respectively. The Company recorded $7.3 million and $11.7 million in other current liabilities and $1.7 million and $8.5 million in other non-current liabilities in its consolidated balance sheets as of December 31, 2016 and 2015, respectively.

Fair Value of Financial Instruments	12 Months Ended
Fair Value of Financial Instruments	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	6. 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. Debt 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 $309.8 million and $310.5 million at December 31, 2016 and 2015, respectively. Cash and Cash Equivalents The fair values of cash and cash equivalents approximate the carrying values due to the short period of time to maturity (Level 2 of the fair value hierarchy). The Company assesses its classifications within the fair value hierarchy at each reporting period. There were no transfers between any levels of the fair value hierarchy during the years ended December 31, 2016 and 2015.

Restructuring and Related Activities [Abstract]

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

Corporate Restructuring and Other Organizational Changes

12 Months Ended

Dec. 31, 2016

Corporate Restructuring and Other Organizational Changes

7. Corporate Restructuring and Other Organizational Changes

Employee Actions

During the year ended December 31, 2016, the Company paid approximately $0.8 million of termination costs related to terminations in prior periods. The Company has no severance liability outstanding at December 31, 2016.

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.

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.

Lease Terminations

During the year ended December 31, 2016, the Company ceased use of a portion of its leased facilities in Watford, U.K.; Providence, RI; Chantilly, VA; and West Hills, CA. As a result, the Company recorded additional expense of $5.0 million, which was recorded in general and administrative expenses in the accompanying consolidated statements of income for the year ended December 31, 2016.

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, 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
Restructuring charges (adjustments) incurred, net		—			5,041			5,041
Amounts paid during the period		(778	)		(654	)		(1,432	)
Foreign currency translation adjustments		1			(96	)		(95	)

Balance, December 31, 2016	$	—		$	4,559		$	4,559

Of the $4.6 million facility closure liability, $1.1 million and $3.5 million is recorded in other current and noncurrent liabilities, respectively, in the accompanying consolidated balance sheet at December 31, 2016.

Common Stock and Treasury Stock	12 Months Ended
Common Stock and Treasury Stock	Dec. 31, 2016
Equity [Abstract]
Common Stock and Treasury Stock	8. Common Stock and Treasury Stock As of September 12, 2012, the Company’s Board of Directors (“the Board”) had approved a stock repurchase program authorizing the Company, from time to time as market and business conditions warrant, to acquire up to $262.1 million of its common stock. On September 13, 2012, the Board 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 and again in February 2014, the Board approved an additional $100.0 million for the stock repurchase program for a total of an additional $200.0 million. The Company repurchased 3,020,926 shares for $60.1 million under the program during the year ended December 31, 2016. Under the program to date, the Company has repurchased 40,129,393 shares for approximately $455.9 million. The maximum remaining authorized for purchase under the stock repurchase program was approximately $78.2 million as of December 31, 2016. 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, 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 PBRSA grants, respectively. Treasury shares issued during the year ended December 31, 2016 included 797,140, 148,322, and 470,029 shares issued pursuant to stock option exercises, RSA grants, and Retention Restricted Share Award (“Retention RSA”) grants, respectively.

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.

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Other Income and Expenses [Abstract]

Earnings Per Share

12 Months Ended

Dec. 31, 2016

Earnings Per Share [Abstract]

Earnings Per Share

9. 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,
	2016		2015		2014
Weighted average shares outstanding:
Basic weighted average shares outstanding		117,533		117,465		114,798
Add: Dilutive effect of stock options		1,314		1,454		1,973

Diluted weighted average shares outstanding		118,847		118,919		116,771

For the years ended December 31, 2016, 2015, and 2014, respectively, 6.1 million, 3.7 million, and 2.9 million options to purchase shares and contingently issuable shares, were excluded from the diluted net income per share computation as their effect would be anti-dilutive.

Common stock outstanding as of December 31, 2016 and 2015 was 117,336,797 and 119,033,770, respectively.

Other, net

12 Months Ended

Dec. 31, 2016

Other, net

10. Other, net

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


	Years Ended December 31,
	2016		2015		2014
Foreign currency transaction gains (losses)	$	4,105	$	1,946	$	(67	)
Realized gain on available-for-sale securities		—		24,465		—
Other		—		—		(173	)

Total	$	4,105	$	26,411	$	(240	)

The Company acquired a cost basis investment in Yodlee, Inc. (“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 consolidated statements of income.

Segment Information

12 Months Ended

Dec. 31, 2016

Segment Reporting [Abstract]

Segment Information

11. 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,
	2016			2015			2014
Revenues:
Americas—United States	$	527,431		$	628,013		$	614,488
Americas—Other		116,718			82,548			87,279
EMEA		261,160			250,568			230,879
Asia/Pacific		100,392			84,848			83,503

	$	1,005,701		$	1,045,977		$	1,016,149

Depreciation and amortization expense:
Americas	$	27,951		$	24,966		$	20,548
EMEA		3,830			3,670			4,126
Asia/Pacific		1,820			1,751			1,809
Corporate		69,853			67,044			60,200

	$	103,454		$	97,431		$	86,683

Stock-based compensation expense:
Americas	$	5,005		$	1,638		$	2,910
EMEA		6,476			1,223			419
Asia/Pacific		605			36			249
Corporate		31,527			15,483			7,467

	$	43,613		$	18,380		$	11,045

Income before income taxes:
Americas	$	206,689		$	111,382		$	143,379
EMEA		176,958			132,518			116,120
Asia/Pacific		62,422			41,658			38,853
Corporate		(260,488	)		(172,185	)		(199,583	)

	$	185,581		$	113,373		$	98,769


	December 31,
	2016		2015
Long lived assets:
Americas—United States	$	752,442	$	915,030
Americas—Other		11,422		11,643
EMEA		580,110		502,785
Asia/Pacific		72,851		72,957

	$	1,416,825	$	1,502,415


	December 31,
	2016		2015
Total assets:
Americas—United States	$	991,687	$	1,182,309
Americas—Other		32,365		33,492
EMEA		765,291		643,275
Asia/Pacific		112,952		116,712

	$	1,902,295	$	1,975,788

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,
	2016		2015		2014
Retail payments processing	$	415,729	$	402,454	$	406,023
Billers		255,540		241,949		235,039
Online banking and community financial services		125,580		219,698		227,659
Tools and infrastructure		63,923		42,783		40,427
Wholesale banking payments		37,040		41,545		37,879
Payment fraud management		30,130		27,373		36,235
Card and merchant management		77,759		70,175		32,887

Total	$	1,005,701	$	1,045,977	$	1,016,149

During the years ended December 31, 2016, 2015 and 2014, approximately 22%, 21%, and 21%, 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, 2016, 2015, and 2014. No single customer accounted for more than 10% of the Company’s consolidated revenues during the years ended December 31, 2016, 2015, and 2014.

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

Stock-Based Compensation Plans

12 Months Ended

Dec. 31, 2016

Stock-Based Compensation Plans

12. 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, 2016, 2015, and 2014, totaled 188,453, 162,058, and 154,223, 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, 2016, 2015, and 2014 was approximately $0.5 million.

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 Board.

Stock Incentive Plans – Active Plans

2016 Equity and Performance Incentive Plan

On March 23, 2016, the Board approved the 2016 Equity and Performance Incentive Plan (the “2016 Incentive Plan”). The 2016 Incentive Plan is intended to meet the Company’s objective of balancing stockholder concerns about dilution with the need to provide appropriate incentives to achieve Company performance objectives. The 2016 Incentive Plan was adopted by the stockholders on June 14, 2016. Following the adoption of the 2016 Incentive Plan, the 2005 Equity and Performance Incentive Plan, as amended (the “2005 Incentive Plan”) was terminated. Termination of the 2005 Incentive Plan did not affect any equity awards outstanding under the 2005 Incentive Plan.

The 2016 Incentive Plan provides for the grant of incentive stock options, nonqualified stock options, stock appreciation rights, restricted stock awards, performance awards, and other awards (“Awards”). Subject to adjustment in certain circumstances, the maximum number of shares of Common Stock that may be issued or transferred in connection with Awards granted under the 2016 Incentive Plan will be the sum of (i) 8,000,000 shares of Common Stock and (ii) any shares of Common Stock that are represented by options previously granted under the 2005 Incentive Plan which are forfeited, expire, or are canceled without delivery of common stock or which result in the forfeiture or relinquishment of Common Stock back to the Company. To the extent Awards granted under the 2016 Incentive Plan terminate, expire, are canceled without being exercised, are forfeited or lapse for any reason, the shares of Common Stock subject to such Award will again become available for grants under the 2016 Incentive Plan.

The 2016 Incentive Plan expressly prohibits re-pricing stock options and appreciation rights. The 2016 Incentive Plan also, subject to certain limited exceptions, expressly requires a one-year vesting period for all stock options and appreciation rights.

No eligible person selected by the Board to receive awards (“Participant”) will receive stock options, stock appreciation rights, restricted stock, restricted stock units, and other awards under the 2016 Incentive Plan, during any calendar year, for more than 3,000,000 shares of common stock. In addition, no Participant may receive performance shares or performance units having an aggregate value on the date of grant in excess of $9,000,000 during any calendar year. Each of the limits described above may be adjusted equitably to accommodate a change in the capital structure of the Company.

Stock options granted pursuant to the 2016 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. Under the 2016 Incentive Plan, the term of the outstanding options may not exceed ten years nor be less than one year. Vesting of options is determined by the Compensation Committee of the Board of Directors, the administrator of the 2016 Incentive Plan, and can vary based upon the individual award agreements. In addition, outstanding options do not have dividend equivalent rights associated with them under the 2016 Incentive Plan.

The Board may issue or transfer shares of common stock to Participants under a restricted stock grant for consideration or no consideration, and subject to restrictions, as determined by the Board. All restricted stock Awards will transfer ownership of such shares of restricted stock to the Participant and entitle the Participant to voting, dividend and other ownership rights, but the Participant’s ownership of the restricted shares shall be subject to substantial risk of forfeiture and restrictions on transfer. The Board may establish conditions under which restrictions will lapse over a period of time based upon the achievement of performance goals or according to such other criteria as the Board deems appropriate (the “Restriction Period”). An Award Agreement for restricted stock Awards may specify any Management Objectives that, if achieved, will result in the termination or early termination of the restrictions on the restricted shares including, without limitation, any minimum acceptable levels of achievement or formulas for determining the number of restricted shares on which the restrictions will terminate.

The Board may award Participants “Performance Shares” or “Performance Units” (collectively, “Performance Awards”) which will become payable to a Participant upon the achievement of specified “Management Objectives”, which are measurable objectives established for Participants. Each Award Agreement for Performance Awards will specify: (i) the number of Performance Shares or Performance Units granted; (ii) the period of time established for the Participant to achieve the Management Objectives (the “Performance Period”); (iii) the Management Objectives and a minimum acceptable level of achievement as well as a formula for determining the number of Performance Shares or Performance 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 that the Board may deem appropriate.

2005 Equity and Performance Incentive Plan

The Company had a 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 years and vest in increments of 33%, respectively, on the anniversary of the grant date. Under each arrangement, stock is issued without direct cost to the employee. Restricted stock awards granted to our Board of Directors vest one year from grant or as of the next annual shareholders meeting, whichever is earlier.

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, 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
Granted		2,284,500			17.92
Exercised		(792,841	)		11.69
Forfeited		(446,845	)		18.69
Expired		(52,515	)		20.44

Outstanding, December 31, 2016		6,791,375		$	15.54		6.68	$	20,777,320



Exercisable, December 31, 2016		3,650,356		$	13.15		4.87	$	20,245,847

The weighted-average grant date fair value of stock options granted during the years ended December 31, 2016, 2015, and 2014 was $5.59, $6.49, and $9.02, respectively. The total intrinsic value of stock options exercised during the years ended December 31, 2016, 2015, and 2014 was $6.8 million, $12.4 million, and $22.8 million, respectively.

The fair value of options granted in the respective fiscal years are 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,
	2016			2015			2014
Expected life (years)		5.9			5.9			5.9
Risk-free interest rate		1.2	%		1.4	%		1.8	%
Expected volatility		29.7	%		32.1	%		45.2	%
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 U. S. Treasury zero coupon issued 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, 2016, the Company granted supplemental stock options with three tranches at a grant date fair value of $7.46, $7.06, and $6.50, respectively, per share. 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. 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. In order to determine the grant date fair value of the supplemental stock options, a Monte Carlo simulation model is 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:


	Years Ended December 31,
	2016			2015
Expected life (years)		7.5			7.5
Risk-free interest rate		1.6	%		1.7	%
Expected volatility		41.6	%		41.9	%
Expected dividend yield		—			—

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

In relation to the acquisition of Online Resources Corporation (“ORCC”), 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 acquisition 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, 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
Exercised		(4,299	)		13.92
Cancelled		(2,634	)		40.51

Outstanding as of December 31, 2016		14,103		$	32.58		1.39	$	—

Exercisable as of December 31, 2016		14,103		$	32.58		1.39	$	—

Long-term Incentive Program Performance Share Awards

During the years ended December 31, 2016 and 2015, 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 or earnings before interest, income taxes, depreciation, and amortization (“EBITDA”) 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/EBITDA 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/EBITDA 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, 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 2015 and 2016 grants remain at 100%.

At December 31, 2015, the LTIPs granted in 2012 were earned by the employees. As the expected attainment rate was 0% for the LTIPs granted in 2012, no shares were issued in the first quarter of 2016. At December 31, 2016, the LTIPs granted in 2013 were earned by the employees. As the expected attainment rate was 0% for the LTIPs granted in 2013, no shares will be issued in the first quarter of 2017.

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, 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
Granted		1,059,428			17.92
Forfeited		(210,667	)		18.61

Nonvested at December 31, 2016		1,738,056		$	18.45

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

Restricted Share Awards

During the years ended December 31, 2016, 2015, and 2014, pursuant to the Company’s 2016 Incentive Plan and 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. RSAs granted to our Board of Directors vest one year from grant or as of the next annual shareholders meeting, whichever is earlier. 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, 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
Granted		148,322			20.19
Vested		(114,219	)		22.64
Forfeited		(11,257	)		21.01

Nonvested at December 31, 2016		172,108		$	20.62

During the years ended December 31, 2016, 2015, and 2014, the Company had 114,219, 158,973, and 66,670 RSA shares vested, respectively. The Company withheld 9,062, 25,235, and 26,461 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 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 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 consolidated financial statements. Through December 31, 2015, the Company had accrued compensation costs assuming an attainment level of 100% for all PBRSA grants. The first tranche of the June 9^th grant vested at 90.4%. The remaining outstanding awards assume 100% attainment. 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, 2016 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
Forfeited		(67,397	)		22.34
Vested		(169,567	)		24.41
Change in attainment for 2015 grants		(18,232	)		24.41

Nonvested as of December 31, 2016		683,667		$	23.25

During the year ended December 31, 2016, 169,567 shares of the PBRSAs vested. The Company withheld 59,659 of those shares to pay the employees’ portion of the minimum payroll withholding taxes.

Retention Restricted Share Awards

During the year ended December 31, 2016, pursuant to the Company’s 2005 Incentive Plan, the Company granted Retention RSAs. The Retention RSA awards granted to named executive officers have a requisite service period (vesting period) of 1.3 years and vest 50% on July 1, 2016 and 50% on July 1, 2017. Retention RSA awards granted to employees other than named executive officers have a vesting period of 0.8 years and vest 50% on July 1, 2016 and 50% on January 1, 2017. Under each agreement, stock is issued without direct cost to the employee. The Company estimates the fair value of the Retention RSAs based upon the market price of the Company’s stock at the date of grant. The Retention RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for Retention RSAs on a straight-line basis over the requisite service period.

A summary of nonvested Retention RSAs as of December 31, 2016 and changes during the period are as follows:


Nonvested Retention Restricted Share Awards	Number of Retention Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2015		—		$	—
Granted		473,069			17.89
Vested		(226,526	)		17.89
Forfeited		(41,003	)		17.89

Nonvested as of December 31, 2016		205,540		$	17.89

During the year ended December 31, 2016, 226,526 shares of the Retention RSAs vested. The Company withheld 76,421 of those shares to pay the employees’ portion of the minimum payroll withholding taxes.

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 as of December 31, 2016 and changes during the period 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
Vested		(238,374	)		23.60

Nonvested at December 31, 2016		238,376		$	23.60

As of December 31, 2016, there were unrecognized compensation costs of $12.0 million related to nonvested stock options, $2.0 million related to the nonvested RSAs, $18.0 million related to the LTIP performance shares, $3.2 million related to nonvested PBRSAs, and $0.5 million related to nonvested Retention RSAs, which the Company expects to recognize over weighted-average periods of 1.9 years, 1.3 years, 2.0 years, 1.1 years, and 0.5 years, respectively.

The Company recorded stock-based compensation expenses recognized under ASC 718 during the years ended December 31, 2016, 2015, and 2014 related to stock options, LTIP Performance Shares, RSAs, PBRSAs, and the ESPP of $43.6 million, $18.4 million, and $11.0 million, respectively, with corresponding tax benefits of $14.3 million, $6.9 million, and $4.2 million, respectively. 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. The Company recognizes compensation costs for stock option awards that vest with service and market-based conditions on a straight-line basis over the longer of the requisite service period or the estimated period to meet the defined market-based condition.

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References + Details

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	13. 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, 2016) or a maximum of $24,000 (for employees aged 50 or older on December 31, 2016). 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, 2016, 2015 and 2014, was $5.5 million, $6.1 million, and $6.0 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, 2016, 2015, and 2014 was $1.7 million, $1.8 million, and $1.5 million, respectively.

Income Taxes

12 Months Ended

Dec. 31, 2016

Commitments and Contingencies Disclosure [Abstract]

Income Taxes

14. Income Taxes

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


	Years Ended December 31,
	2016		2015		2014
United States	$	134,740	$	52,563	$	47,963
Foreign		50,841		60,810		50,806

Total	$	185,581	$	113,373	$	98,769

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


	Years Ended December 31,
	2016			2015			2014
Federal
Current	$	14,108		$	(6,889	)	$	7,895
Deferred		19,034			18,024			7,021

Total		33,142			11,135			14,916
State
Current		12,565			379			1,542
Deferred		(2,502	)		(4,096	)		(2,397	)

Total		10,063			(3,717	)		(855	)
Foreign
Current		11,671			15,117			13,335
Deferred		1,170			5,402			3,813

Total		12,841			20,519			17,148

Total	$	56,046		$	27,937		$	31,209

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,
	2016			2015			2014
Tax expense at federal rate of 35%	$	64,953		$	39,680		$	34,569
State income taxes, net of federal benefit		7,060			(2,462	)		(544	)
Change in valuation allowance		(8,524	)		(9,066	)		3,521
Foreign tax rate differential		(11,830	)		(5,710	)		(5,508	)
Unrecognized tax benefit increase		1,045			2,977			65
Tax effect of foreign operations		5,988			261			(104	)
Acquisition costs		28			—			289
Tax benefit of research & development		(1,088	)		(871	)		(3,446	)
Other		(1,586	)		3,128			2,367

Income tax provision	$	56,046		$	27,937		$	31,209

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, 2016 are Ireland, South Africa, and the 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, 2015 are Ireland, Netherlands, South Africa, and the 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 the 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,
	2016			2015
Deferred income tax assets:
Net operating loss carryforwards	$	65,351		$	112,193
Tax credits		25,173			40,614
Compensation		39,340			25,752
Deferred revenue		27,303			25,287
Other		6,279			8,346

Gross deferred income tax assets		163,446			212,192
Less: valuation allowance		(9,659	)		(18,742	)

Net deferred income tax assets	$	153,787		$	193,450

Deferred income tax liabilities:
Depreciation and amortization	$	(102,657	)	$	(130,645	)

Total deferred income tax liabilities		(102,657	)		(130,645	)

Net deferred income taxes	$	51,130		$	62,805

Deferred income taxes / liabilities included in the balance sheet are:
Deferred income tax asset—noncurrent	$	77,479		$	90,872
Deferred income tax liability—noncurrent		(26,349	)		(28,067	)

Net deferred income taxes	$	51,130		$	62,805

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, 2016, the Company decreased its valuation allowance by $9.1 million which relates primarily to a reduction in valuation allowance on U.S. foreign tax credits.

At December 31, 2016, the Company had domestic federal tax net operating losses (“NLs”) of $139.7 million which will begin to expire in 2017. The Company had deferred tax asset equal to $6.4 million related to domestic state tax NOLs which will begin to expire in 2017. The Company does not have any valuation allowance against the federal tax NOLs, but has provided a $5.9 million valuation allowance against the tax benefit associated with the state NOLs. The Company had foreign tax NOLs of $37.3 million, of which $35.9 million may be utilized over an indefinite life, with the remainder expiring over the next 10 years. The Company has provided a $1.2 million valuation allowance against the tax benefit associated with the foreign NOLs.

The Company had U.S. foreign tax credit carryforwards at December 31, 2016 of $17.3 million, for which a $0.6 million valuation allowance has been provided. The U.S. foreign tax credits will begin to expire in 2021. The Company also had domestic federal and state general business credit carryforwards at December 31, 2016 of $11.9 million and $0.5 million, respectively, which will begin to expire in 2019 and 2022, respectively.

The unrecognized tax benefit at December 31, 2016 and 2015 was $24.3 million and $21.1 million, respectively, of which $17.6 million and $8.2 million, respectively, are included in other noncurrent liabilities in the consolidated balance sheet. Of the total unrecognized tax benefit amounts at December 31, 2016 and 2015, $23.2 million and $20.0 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):


	2016			2015			2014
Balance of unrecognized tax benefits at beginning of year	$	21,079		$	14,780		$	14,996
Increases for tax positions of prior years		58			1,449			84
Decreases for tax positions of prior years		(361	)		(47	)		(412	)
Increases for tax positions established for the current period		5,185			9,866			491
Decreases for settlements with taxing authorities		(167	)		(594	)		—
Reductions resulting from lapse of applicable statute of limitation		(1,310	)		(4,218	)		(239	)
Adjustment resulting from foreign currency translation		(206	)		(157	)		(140	)

Balance of unrecognized tax benefits at end of year	$	24,278		$	21,079		$	14,780

The Company files income tax returns in the U.S. federal jurisdiction, various state and local jurisdictions, and many foreign jurisdictions. The United States, Australia, Canada, India, Ireland, Luxembourg, 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 United States, the Company’s tax returns for years following 2012 are open for audit. In the foreign jurisdictions, the tax returns open for audit generally vary by jurisdiction between 2002 and 2015.

The Company’s Indian income tax returns covering fiscal years 2002 through 2006 and 2010 through 2014 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 $1.4 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, 2016 and 2015, $1.9 million and $2.2 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, 2016, 2015, and 2014 is $(0.2) million, $(0.1) million and $0.2 million, respectively.

The undistributed earnings of the Company’s foreign subsidiaries of approximately $181.9 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.

Commitments and Contingencies

12 Months Ended

Dec. 31, 2016

Commitments and Contingencies

15. 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, 2016, 2015, and 2014 was $25.3 million, $26.6, million and $26.7 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
2017	$	16,206
2018		16,073
2019		14,227
2020		11,252
2021		7,828
Thereafter		25,572

Total minimum lease payments	$	91,158

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 after the trial court denied ACI Corp.‘s post-judgment motions, on March 31, 2016, ACI Corp. perfected an appeal of the dismissal of its claims against BHMI and the judgment in favor of BHMI on its counterclaims, and oral arguments before the Nebraska Supreme Court are scheduled for March 3, 2017. 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, 2016.

Accumulated Other Comprehensive Loss

12 Months Ended

Dec. 31, 2016

Equity [Abstract]

Accumulated Other Comprehensive Loss

16. Accumulated Other Comprehensive Loss

Activity within accumulated other comprehensive loss for the three years ended December 31, 2016, 2015, and 2014 were as follows:


	Unrealized gain on available-for-sale securities			Foreign currency translation			Accumulated other comprehensive loss
Balance at December 31, 2013	$	—		$	(23,315	)	$	(23,315	)
Other comprehensive loss		22,977			(19,545	)		3,432

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

Balance at December 31, 2015		—			(71,576	)		(71,576	)
Other comprehensive loss		—			(22,524	)		(22,524	)

Balance at December 31, 2016	$	—		$	(94,100	)	$	(94,100	)

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.

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 15
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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-Section 45
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
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Reference 6: http://www.xbrl.org/2003/role/presentationRef
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-Paragraph 1
-Subparagraph (SX 210.3-04)
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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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

Quarterly Financial Information Disclosure [Abstract]

Quarterly Financial Data

12 Months Ended

Dec. 31, 2016

Quarterly Financial Data

17. Quarterly Financial Data (unaudited)


	Quarter Ended												Year Ended
	March 31, 2016			June 30, 2016			September 30, 2016			December 31, 2016			December 31, 2016
(in thousands, except per share amounts)	March 31, 2016			June 30, 2016			September 30, 2016			December 31, 2016			December 31, 2016
Revenues:
License	$	37,423		$	33,510		$	43,256		$	159,277		$	273,466
Maintenance		57,331			60,332			57,741			58,072			233,476
Services		19,576			23,823			19,809			24,262			87,470
Hosting		111,736			102,265			96,169			101,119			411,289

Total revenues		226,066			219,930			216,975			342,730			1,005,701

Operating expenses:
Cost of license (1)		5,439			4,610			5,253			7,043			22,345
Cost of maintenance, services and hosting (1) (2)		112,995			110,774			95,014			103,786			422,569
Research and development (2)		43,604			46,421			42,210			37,665			169,900
Selling and marketing (2)		29,992			28,795			29,874			29,421			118,082
General and administrative (2)		26,068			34,520			31,390			21,639			113,617
Gain on sale of CFS assets		(151,952	)		—			489			—			(151,463	)
Depreciation and amortization		23,208			21,382			22,098			22,833			89,521

Total operating expenses (2)		89,354			246,502			226,328			222,387			784,571

Operating income (2)		136,712			(26,572	)		(9,353	)		120,343			221,130
Other income (expense):
Interest expense		(10,414	)		(9,715	)		(9,838	)		(10,217	)		(40,184	)
Interest income		150			121			145			114			530
Other, net		(334	)		2,023			2,794			(378	)		4,105

Total other income (expense)		(10,598	)		(7,571	)		(6,899	)		(10,481	)		(35,549	)

Income (loss) before income taxes (2)		126,114			(34,143	)		(16,252	)		109,862			185,581
Income tax expense (benefit) (2)		36,970			(17,669	)		(6,426	)		43,171			56,046

Net income (loss) (2)	$	89,144		$	(16,474	)	$	(9,826	)	$	66,691		$	129,535

Earnings (loss) per share
Basic	$	0.75		$	(0.14	)	$	(0.08	)	$	0.57		$	1.10
Diluted	$	0.74		$	(0.14	)	$	(0.08	)	$	0.56		$	1.09

(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.

(2)

As previously discussed in Note 1, Nature of Business and Summary of Significant Accounting Policies, the Company adopted ASU 2016-09 during the year ended December 31, 2016. The Company elected to early adopt ASU 2016-09 in the third quarter of 2016, which requires it to reflect any adjustments as of January 1, 2016, the beginning of the annual period that includes the interim period of adoption. The impact of the adoption to the Company’s previously reported quarterly results for the quarters ended March 31 and June 30, 2016 are reflected in the table above.


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

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

12 Months Ended

Dec. 31, 2016

Accounting Policies [Abstract]

Nature of Business

Nature of Business

Consolidated Financial Statements

Consolidated Financial Statements

Capital Stock

Capital Stock

Use of Estimates

Use of Estimates

Revenue Recognition, Receivables and Deferred Revenue

Revenue Recognition, Receivables and Deferred Revenue


	Years Ended December 31,
	2016		2015		2014
License	$	6,759	$	7,797	$	22,211
Maintenance		3,268		3,801		7,699
Services		268		321		13

Total	$	10,295	$	11,919	$	29,923


	December 31,
	2016			2015
Billed Receivables	$	250,116		$	192,045
Allowance for doubtful accounts		(3,873	)		(5,045	)

Billed, net		246,243			187,000
Accrued Receivables		21,919			32,116

Receivables, net	$	268,162		$	219,116

No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2016 or 2015.

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


	Years Ended December 31,
	2016			2015			2014
Balance, beginning of period	$	(5,045	)	$	(4,806	)	$	(4,459	)
Provision (increase) decrease		(1,595	)		(2,425	)		(1,049	)
Amounts written off, net of recoveries		2,551			2,088			1,053
Foreign currency translation adjustments and other		216			98			(351	)

Balance, end of period	$	(3,873	)	$	(5,045	)	$	(4,806	)

Cash and Cash Equivalents

Cash and Cash Equivalents

Other Current Assets and Other Current Liabilities

Other Current Assets and Other Current Liabilities


	December 31,
	2016		2015
Settlement deposits	$	10,496	$	5,357
Settlement receivables		14,327		7,961
Other		8,755		8,319

Total other current assets	$	33,578	$	21,637


	December 31,
	2016		2015
Settlement payables	$	24,016	$	11,250
Accrued interest		7,356		7,501
Vendor financed licenses		9,213		15,723
Royalties payable		7,197		4,910
Other		31,059		35,841

Total other current liabilities	$	78,841	$	75,225

Off Balance Sheet Settlement Accounts

Off Balance Sheet Settlement Accounts

Property and Equipment

Property and Equipment


	Useful Lives		2016			2015
Computer and office equipment		3 to 5 years	$	105,692		$	92,237
Leasehold improvements		Lesser of useful life of improvement or remaining life of lease		33,093			19,380
Furniture and fixtures		7 years		11,145			11,304
Building and improvements		7 - 30 years		10,391			10,340
Land		Non depreciable		1,785			1,785

				162,106			135,046
Less: accumulated depreciation and amortization				(83,156	)		(74,416	)

Property and equipment, net			$	78,950		$	60,630

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, 2016 and 2015, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2014	$	523,914		$	240,303		$	64,378		$	828,595
Total impairment prior to December 31, 2014		(47,432	)		—			—			(47,432	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (1)		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
Goodwill from acquisitions (2)		—			511			—			511
Foreign currency translation adjustments		256			(3,208	)		(1,129	)		(4,081	)

Balance, December 31, 2016	$	477,397		$	374,130		$	58,164		$	909,691

(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, Acquisitions.

(2)	Goodwill from acquisitions relates to the adjustments to goodwill related to the acquisition of PAY.ON, as discussed in Note 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

New Accounting Standards Recently Adopted

New Accounting Standards Recently Adopted

Recently Issued Accounting Standards Not Yet Effective

Recently Issued Accounting Standards Not Yet Effective

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.

Earnings per share

Segment Information

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

12 Months Ended

Dec. 31, 2016

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,
	2016		2015		2014
License	$	6,759	$	7,797	$	22,211
Maintenance		3,268		3,801		7,699
Services		268		321		13

Total	$	10,295	$	11,919	$	29,923

Receivables and Concentration of Credit Risk


	December 31,
	2016			2015
Billed Receivables	$	250,116		$	192,045
Allowance for doubtful accounts		(3,873	)		(5,045	)

Billed, net		246,243			187,000
Accrued Receivables		21,919			32,116

Receivables, net	$	268,162		$	219,116

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,
	2016			2015			2014
Balance, beginning of period	$	(5,045	)	$	(4,806	)	$	(4,459	)
Provision (increase) decrease		(1,595	)		(2,425	)		(1,049	)
Amounts written off, net of recoveries		2,551			2,088			1,053
Foreign currency translation adjustments and other		216			98			(351	)

Balance, end of period	$	(3,873	)	$	(5,045	)	$	(4,806	)

Components of Other Current Assets and Other Current Liabilities

Other Current Assets and Other Current Liabilities


	December 31,
	2016		2015
Settlement deposits	$	10,496	$	5,357
Settlement receivables		14,327		7,961
Other		8,755		8,319

Total other current assets	$	33,578	$	21,637


	December 31,
	2016		2015
Settlement payables	$	24,016	$	11,250
Accrued interest		7,356		7,501
Vendor financed licenses		9,213		15,723
Royalties payable		7,197		4,910
Other		31,059		35,841

Total other current liabilities	$	78,841	$	75,225

Property and Equipment Estimated Useful Lives

As of December 31, 2016 and 2015, net property and equipment consisted of the following (in thousands):


	Useful Lives		2016			2015
Computer and office equipment		3 to 5 years	$	105,692		$	92,237
Leasehold improvements		Lesser of useful life of improvement or remaining life of lease		33,093			19,380
Furniture and fixtures		7 years		11,145			11,304
Building and improvements		7 - 30 years		10,391			10,340
Land		Non depreciable		1,785			1,785

				162,106			135,046
Less: accumulated depreciation and amortization				(83,156	)		(74,416	)

Property and equipment, net			$	78,950		$	60,630

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, 2016 and 2015, were as follows (in thousands):


	Americas			EMEA			Asia/ Pacific			Total
Gross Balance prior to December 31, 2014	$	523,914		$	240,303		$	64,378		$	828,595
Total impairment prior to December 31, 2014		(47,432	)		—			—			(47,432	)

Balance, December 31, 2014		476,482			240,303			64,378			781,163
Goodwill from acquisitions (1)		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
Goodwill from acquisitions (2)		—			511			—			511
Foreign currency translation adjustments		256			(3,208	)		(1,129	)		(4,081	)

Balance, December 31, 2016	$	477,397		$	374,130		$	58,164		$	909,691

(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, Acquisitions.

(2)	Goodwill from acquisitions relates to the adjustments to goodwill related to the acquisition of PAY.ON, as discussed in Note 2.

Acquisitions (Tables)

12 Months Ended

Dec. 31, 2016

PAY.ON

Purchase Price of Pay.ON

The purchase price of PAY.ON was comprised of (in thousands):


	Amount
Cash payments to PAY.ON shareholders	$	180,994
Issuance of ACI common stock		5,379
Working capital adjustment		(232	)

Total purchase price	$	186,141

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, 2016.


(in thousands, except weighted average useful lives)	Weighted-Average Useful Lives		PAY.ON
Current assets:
Cash and cash equivalents			$	1,627
Receivables				2,649
Other current assets				502

Total current assets acquired				4,778

Noncurrent assets:
Property and equipment				332
Goodwill				140,526
Software		5 years		34,150
Customer relationships		15 years		21,718
Trademarks		5 years		2,300
Other noncurrent assets				28

Total assets acquired				203,832

Current liabilities:
Accounts payable				1,058
Employee compensation				681
Other current liabilities				866

Total current liabilities acquired				2,605

Noncurrent liabilities:
Deferred income taxes				15,086

Total liabilities acquired				17,691

Net assets acquired			$	186,141

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				10,106
Other current assets				10,282

Total current assets acquired				21,183

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				565
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

Software and Other Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2016

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, 2016							December 31, 2015
	Gross Carrying Amount		Accumulated Amortization			Net Balance		Gross Carrying Amount		Accumulated Amortization			Net Balance
Customer relationships	$	295,730	$	(96,356	)	$	199,374	$	336,075	$	(86,585	)	$	249,490
Trademarks and tradenames		16,019		(11,759	)		4,260		18,040		(10,605	)		7,435
Purchased Contracts		10,429		(10,429	)		—		10,690		(10,690	)		—

	$	322,178	$	(118,544	)	$	203,634	$	364,805	$	(107,880	)	$	256,925

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
2017	$	55,229	$	19,040
2018		41,254		18,537
2019		32,871		18,006
2020		25,733		17,139
2021		17,848		16,677
Thereafter		12,561		114,235

Total	$	185,496	$	203,634

Debt (Tables)

12 Months Ended

Dec. 31, 2016

Debt Disclosure [Abstract]

Maturities on Long-Term Debt Outstanding

Maturities on long-term debt outstanding at December 31, 2016 are as follows (amounts in thousands):


Fiscal year ending December 31,
(in thousands)
2017	$	95,293
2018		357,997
2019		—
2020		300,000

Total	$	753,290

Carrying Value of Debt


(in thousands)	As of December 31, 2016			As of December 31, 2015
Term credit facility	$	365,290		$	460,583
Revolving credit facility		88,000			178,000
6.375% Senior Notes, due August 2020		300,000			300,000
Debt issuance costs		(9,372	)		(14,424	)

Total debt		743,918			924,159
Less current portion of term credit facility		95,293			95,293
Less current portion of debt issuance costs		(4,970	)		(5,583	)

Total long-term debt	$	653,595		$	834,449

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.

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=64930739&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
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-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
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Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
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-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=64930785&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

Restructuring and Related Activities [Abstract]

Corporate Restructuring and Other Organizational Changes (Tables)

12 Months Ended

Dec. 31, 2016

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, 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
Restructuring charges (adjustments) incurred, net		—			5,041			5,041
Amounts paid during the period		(778	)		(654	)		(1,432	)
Foreign currency translation adjustments		1			(96	)		(95	)

Balance, December 31, 2016	$	—		$	4,559		$	4,559

Earnings Per Share (Tables)

12 Months Ended

Dec. 31, 2016

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,
	2016		2015		2014
Weighted average shares outstanding:
Basic weighted average shares outstanding		117,533		117,465		114,798
Add: Dilutive effect of stock options		1,314		1,454		1,973

Diluted weighted average shares outstanding		118,847		118,919		116,771

Other, net (Tables)

12 Months Ended

Dec. 31, 2016

Other Income and Expenses [Abstract]

Other

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


	Years Ended December 31,
	2016		2015		2014
Foreign currency transaction gains (losses)	$	4,105	$	1,946	$	(67	)
Realized gain on available-for-sale securities		—		24,465		—
Other		—		—		(173	)

Total	$	4,105	$	26,411	$	(240	)

Segment Information (Tables)

12 Months Ended

Dec. 31, 2016

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,
	2016			2015			2014
Revenues:
Americas—United States	$	527,431		$	628,013		$	614,488
Americas—Other		116,718			82,548			87,279
EMEA		261,160			250,568			230,879
Asia/Pacific		100,392			84,848			83,503

	$	1,005,701		$	1,045,977		$	1,016,149

Depreciation and amortization expense:
Americas	$	27,951		$	24,966		$	20,548
EMEA		3,830			3,670			4,126
Asia/Pacific		1,820			1,751			1,809
Corporate		69,853			67,044			60,200

	$	103,454		$	97,431		$	86,683

Stock-based compensation expense:
Americas	$	5,005		$	1,638		$	2,910
EMEA		6,476			1,223			419
Asia/Pacific		605			36			249
Corporate		31,527			15,483			7,467

	$	43,613		$	18,380		$	11,045

Income before income taxes:
Americas	$	206,689		$	111,382		$	143,379
EMEA		176,958			132,518			116,120
Asia/Pacific		62,422			41,658			38,853
Corporate		(260,488	)		(172,185	)		(199,583	)

	$	185,581		$	113,373		$	98,769

Selected Segment Financial Data, Assets


	December 31,
	2016		2015
Long lived assets:
Americas—United States	$	752,442	$	915,030
Americas—Other		11,422		11,643
EMEA		580,110		502,785
Asia/Pacific		72,851		72,957

	$	1,416,825	$	1,502,415


	December 31,
	2016		2015
Total assets:
Americas—United States	$	991,687	$	1,182,309
Americas—Other		32,365		33,492
EMEA		765,291		643,275
Asia/Pacific		112,952		116,712

	$	1,902,295	$	1,975,788

Revenues, by Product Line

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


	Years Ended December 31,
	2016		2015		2014
Retail payments processing	$	415,729	$	402,454	$	406,023
Billers		255,540		241,949		235,039
Online banking and community financial services		125,580		219,698		227,659
Tools and infrastructure		63,923		42,783		40,427
Wholesale banking payments		37,040		41,545		37,879
Payment fraud management		30,130		27,373		36,235
Card and merchant management		77,759		70,175		32,887

Total	$	1,005,701	$	1,045,977	$	1,016,149

Stock-Based Compensation Plans (Tables)

12 Months Ended

Dec. 31, 2016

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, 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
Granted		2,284,500			17.92
Exercised		(792,841	)		11.69
Forfeited		(446,845	)		18.69
Expired		(52,515	)		20.44

Outstanding, December 31, 2016		6,791,375		$	15.54		6.68	$	20,777,320



Exercisable, December 31, 2016		3,650,356		$	13.15		4.87	$	20,245,847

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, 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
Granted		148,322			20.19
Vested		(114,219	)		22.64
Forfeited		(11,257	)		21.01

Nonvested at December 31, 2016		172,108		$	20.62

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, 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
Exercised		(4,299	)		13.92
Cancelled		(2,634	)		40.51

Outstanding as of December 31, 2016		14,103		$	32.58		1.39	$	—

Exercisable as of December 31, 2016		14,103		$	32.58		1.39	$	—

S1 Corporation 2003 Stock Incentive Plan [Member]

Summary of Nonvested Restricted Share Awards and Changes During Period

A summary of nonvested Retention RSAs as of December 31, 2016 and changes during the period are as follows:


Nonvested Retention Restricted Share Awards	Number of Retention Restricted Share Awards			Weighted-Average Grant Date Fair Value
Nonvested as of December 31, 2015		—		$	—
Granted		473,069			17.89
Vested		(226,526	)		17.89
Forfeited		(41,003	)		17.89

Nonvested as of December 31, 2016		205,540		$	17.89

Black-Scholes Option-Pricing Model [Member]

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


	Years Ended December 31,
	2016			2015			2014
Expected life (years)		5.9			5.9			5.9
Risk-free interest rate		1.2	%		1.4	%		1.8	%
Expected volatility		29.7	%		32.1	%		45.2	%
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:


	Years Ended December 31,
	2016			2015
Expected life (years)		7.5			7.5
Risk-free interest rate		1.6	%		1.7	%
Expected volatility		41.6	%		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, 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
Granted		1,059,428			17.92
Forfeited		(210,667	)		18.61

Nonvested at December 31, 2016		1,738,056		$	18.45

Performance-Based Restricted Share Awards [Member]

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

A summary of nonvested PBRSAs as of December 31, 2016 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
Forfeited		(67,397	)		22.34
Vested		(169,567	)		24.41
Change in attainment for 2015 grants		(18,232	)		24.41

Nonvested as of December 31, 2016		683,667		$	23.25

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

Summary of Nonvested Restricted Share Awards and Changes During Period

A summary of nonvested PAY.ON RSAs as of December 31, 2016 and changes during the period 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
Vested		(238,374	)		23.60

Nonvested at December 31, 2016		238,376		$	23.60

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2016

Components of Income Before Income Taxes

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


	Years Ended December 31,
	2016		2015		2014
United States	$	134,740	$	52,563	$	47,963
Foreign		50,841		60,810		50,806

Total	$	185,581	$	113,373	$	98,769

Income Tax Expense (Benefit)

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


	Years Ended December 31,
	2016			2015			2014
Federal
Current	$	14,108		$	(6,889	)	$	7,895
Deferred		19,034			18,024			7,021

Total		33,142			11,135			14,916
State
Current		12,565			379			1,542
Deferred		(2,502	)		(4,096	)		(2,397	)

Total		10,063			(3,717	)		(855	)
Foreign
Current		11,671			15,117			13,335
Deferred		1,170			5,402			3,813

Total		12,841			20,519			17,148

Total	$	56,046		$	27,937		$	31,209

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,
	2016			2015			2014
Tax expense at federal rate of 35%	$	64,953		$	39,680		$	34,569
State income taxes, net of federal benefit		7,060			(2,462	)		(544	)
Change in valuation allowance		(8,524	)		(9,066	)		3,521
Foreign tax rate differential		(11,830	)		(5,710	)		(5,508	)
Unrecognized tax benefit increase		1,045			2,977			65
Tax effect of foreign operations		5,988			261			(104	)
Acquisition costs		28			—			289
Tax benefit of research & development		(1,088	)		(871	)		(3,446	)
Other		(1,586	)		3,128			2,367

Income tax provision	$	56,046		$	27,937		$	31,209

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,
	2016			2015
Deferred income tax assets:
Net operating loss carryforwards	$	65,351		$	112,193
Tax credits		25,173			40,614
Compensation		39,340			25,752
Deferred revenue		27,303			25,287
Other		6,279			8,346

Gross deferred income tax assets		163,446			212,192
Less: valuation allowance		(9,659	)		(18,742	)

Net deferred income tax assets	$	153,787		$	193,450

Deferred income tax liabilities:
Depreciation and amortization	$	(102,657	)	$	(130,645	)

Total deferred income tax liabilities		(102,657	)		(130,645	)

Net deferred income taxes	$	51,130		$	62,805

Deferred income taxes / liabilities included in the balance sheet are:
Deferred income tax asset—noncurrent	$	77,479		$	90,872
Deferred income tax liability—noncurrent		(26,349	)		(28,067	)

Net deferred income taxes	$	51,130		$	62,805

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):


	2016			2015			2014
Balance of unrecognized tax benefits at beginning of year	$	21,079		$	14,780		$	14,996
Increases for tax positions of prior years		58			1,449			84
Decreases for tax positions of prior years		(361	)		(47	)		(412	)
Increases for tax positions established for the current period		5,185			9,866			491
Decreases for settlements with taxing authorities		(167	)		(594	)		—
Reductions resulting from lapse of applicable statute of limitation		(1,310	)		(4,218	)		(239	)
Adjustment resulting from foreign currency translation		(206	)		(157	)		(140	)

Balance of unrecognized tax benefits at end of year	$	24,278		$	21,079		$	14,780

Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2016

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
2017	$	16,206
2018		16,073
2019		14,227
2020		11,252
2021		7,828
Thereafter		25,572

Total minimum lease payments	$	91,158

Accumulated Other Comprehensive Loss (Tables)

12 Months Ended

Dec. 31, 2016

Equity [Abstract]

Activity within Accumulated Other Comprehensive Loss

Activity within accumulated other comprehensive loss for the three years ended December 31, 2016, 2015, and 2014 were as follows:


	Unrealized gain on available-for-sale securities			Foreign currency translation			Accumulated other comprehensive loss
Balance at December 31, 2013	$	—		$	(23,315	)	$	(23,315	)
Other comprehensive loss		22,977			(19,545	)		3,432

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

Balance at December 31, 2015		—			(71,576	)		(71,576	)
Other comprehensive loss		—			(22,524	)		(22,524	)

Balance at December 31, 2016	$	—		$	(94,100	)	$	(94,100	)

Quarterly Financial Data (Tables)

12 Months Ended

Dec. 31, 2016

Quarterly Financial Information Disclosure [Abstract]

Quarterly Financial Data


	Quarter Ended												Year Ended
	March 31, 2016			June 30, 2016			September 30, 2016			December 31, 2016			December 31, 2016
(in thousands, except per share amounts)	March 31, 2016			June 30, 2016			September 30, 2016			December 31, 2016			December 31, 2016
Revenues:
License	$	37,423		$	33,510		$	43,256		$	159,277		$	273,466
Maintenance		57,331			60,332			57,741			58,072			233,476
Services		19,576			23,823			19,809			24,262			87,470
Hosting		111,736			102,265			96,169			101,119			411,289

Total revenues		226,066			219,930			216,975			342,730			1,005,701

Operating expenses:
Cost of license (1)		5,439			4,610			5,253			7,043			22,345
Cost of maintenance, services and hosting (1) (2)		112,995			110,774			95,014			103,786			422,569
Research and development (2)		43,604			46,421			42,210			37,665			169,900
Selling and marketing (2)		29,992			28,795			29,874			29,421			118,082
General and administrative (2)		26,068			34,520			31,390			21,639			113,617
Gain on sale of CFS assets		(151,952	)		—			489			—			(151,463	)
Depreciation and amortization		23,208			21,382			22,098			22,833			89,521

Total operating expenses (2)		89,354			246,502			226,328			222,387			784,571

Operating income (2)		136,712			(26,572	)		(9,353	)		120,343			221,130
Other income (expense):
Interest expense		(10,414	)		(9,715	)		(9,838	)		(10,217	)		(40,184	)
Interest income		150			121			145			114			530
Other, net		(334	)		2,023			2,794			(378	)		4,105

Total other income (expense)		(10,598	)		(7,571	)		(6,899	)		(10,481	)		(35,549	)

Income (loss) before income taxes (2)		126,114			(34,143	)		(16,252	)		109,862			185,581
Income tax expense (benefit) (2)		36,970			(17,669	)		(6,426	)		43,171			56,046

Net income (loss) (2)	$	89,144		$	(16,474	)	$	(9,826	)	$	66,691		$	129,535

Earnings (loss) per share
Basic	$	0.75		$	(0.14	)	$	(0.08	)	$	0.57		$	1.10
Diluted	$	0.74		$	(0.14	)	$	(0.08	)	$	0.56		$	1.09

(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.

(2)


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

Nature of Business and Summary of Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Thousands		12 Months Ended
	Jan. 01, 2016	Dec. 31, 2016	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, 2016 or 2015.
Amount of off balance sheet settlement funds		$ 270,000	$ 260,200
Goodwill measurement period		1 year
Increase to net cash provided by operating activities		$ 99,830	187,994	160,833
Increase to net cash used in financing activities		(251,076)	44,640	66,275
Cumulative-effect adjustment to retained earnings, net of tax		$ (99)
Adjustments for New Accounting Pronouncement [Member]
Summary Of Significant Accounting Policies [Line Items]
Increase to net cash provided by operating activities			4,900	11,800
Increase to net cash used in financing activities			$ 4,900	11,800
Cumulative-effect adjustment to retained earnings, net of tax	$ 700
Cumulative-effect adjustment to retained earnings, tax	$ 400
Minimum
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
Software Acquired or Developed for Internal Use \| Minimum
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life		3 years
Software Acquired or Developed for Internal Use \| Maximum
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life		10 years
Cornastone Technology Investments (Proprietary) Limited
Summary Of Significant Accounting Policies [Line Items]
Payments for partnership dissolved				$ 1,500

Nature of Business and Summary of Significant Accounting Policies - 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, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenue Recognition, Milestone Method [Line Items]
License	$ 159,277	$ 43,256	$ 33,510	$ 37,423	$ 94,230	$ 50,237	$ 67,161	$ 39,577	$ 273,466	$ 251,205	$ 235,157
Maintenance	58,072	57,741	60,332	57,331	63,000	59,262	60,141	59,492	233,476	241,895	255,993
Services	24,262	19,809	23,823	19,576	34,371	25,842	23,110	23,497	87,470	106,820	105,584
Total revenues	$ 342,730	$ 216,975	$ 219,930	$ 226,066	$ 308,637	$ 238,701	$ 265,822	$ 232,817	1,005,701	1,045,977	1,016,149
Vendor Specific Objective Evidence of Fair Value [Member]
Revenue Recognition, Milestone Method [Line Items]
License									6,759	7,797	22,211
Maintenance									3,268	3,801	7,699
Services									268	321	13
Total revenues									$ 10,295	$ 11,919	$ 29,923

Nature of Business and Summary of Significant Accounting Policies - Receivables and Concentration of Credit Risk (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounting Policies [Abstract]
Billed Receivables	$ 250,116	$ 192,045
Allowance for doubtful accounts	(3,873)	(5,045)	$ (4,806)	$ (4,459)
Billed, net	246,243	187,000
Accrued Receivables	21,919	32,116
Receivables, net	$ 268,162	$ 219,116

Nature of Business and Summary of Significant Accounting Policies - Activity in Allowance for Doubtful Accounts Receivable (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Valuation and Qualifying Accounts [Abstract]
Balance, beginning of period	$ (5,045)	$ (4,806)	$ (4,459)
Provision (increase) decrease	(1,595)	(2,425)	(1,049)
Amounts written off, net of recoveries	2,551	2,088	1,053
Foreign currency translation adjustments and other	216	98	(351)
Balance, end of period	$ (3,873)	$ (5,045)	$ (4,806)

Nature of Business and Summary of Significant Accounting Policies - Components of Other Current Assets and Other Current Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other	$ 8,755	$ 8,319
Total other current assets	33,578	21,637
Settlement payables	24,016	11,250
Accrued interest	7,356	7,501
Vendor financed licenses	9,213	15,723
Royalties payable	7,197	4,910
Other	31,059	35,841
Total other current liabilities	78,841	75,225
Settlement deposits [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	10,496	5,357
Settlement receivables [Member]
Nature Of Business And Summary Of Significant Accounting Policies [Line Items]
Other assets settlement	$ 14,327	$ 7,961

Nature of Business and Summary of Significant Accounting Policies - Net Property and Equipment (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 162,106	$ 135,046
Less: accumulated depreciation and amortization	(83,156)	(74,416)
Property and equipment, net	78,950	60,630
Computer and office equipment
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 105,692	92,237
Computer and office equipment \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	3 years
Computer and office equipment \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	5 years
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	$ 33,093	19,380
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	7 years
Property and equipment, gross	$ 11,145	11,304
Building and improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 10,391	10,340
Building and improvements \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	7 years
Building and improvements \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	30 years
Land
Property, Plant and Equipment [Line Items]
Property, plant & equipment useful lives	Non depreciable
Property and equipment, gross	$ 1,785	$ 1,785

Nature of Business and Summary of Significant Accounting Policies - Changes in Carrying Amount of Goodwill (Detail) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014

Total impairment, beginning of period

$ 828,595

(47,432)

Goodwill from acquisitions

$ 913,261

$ 781,163

511

^[1]

142,287

^[2]

(4,081)

(10,189)

Americas Segment [Member]

909,691

913,261

Total impairment, beginning of period

523,914

(47,432)

Goodwill from acquisitions

477,141

476,482

^[2]

2,462

256

(1,803)

477,397

477,141

EMEA Segment [Member]

240,303

Goodwill from acquisitions

376,827

240,303

511

^[1]

139,825

^[2]

(3,208)

(3,301)

Asia/Pacific Segment [Member]

374,130

376,827

$ 64,378

59,293

64,378

(1,129)

(5,085)

$ 58,164

$ 59,293

[1]	Goodwill from acquisitions relates to the adjustments to goodwill related to the acquisition of PAY.ON, as discussed in Note 2.
[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, Acquisitions.

Acquisitions - Additional Information (Detail) - USD ($)
$ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2016

Nov. 04, 2015

Aug. 12, 2014

Dec. 31, 2016

Sep. 30, 2016

Jun. 30, 2016

^[1]

Mar. 31, 2016

^[1]

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014

Percentage of ownership interest acquired

100.00%

Additional borrowing

$ 76,000

$ 298,000

$ 169,500

Operating Income (loss)

$ 120,343

$ (9,353)

$ (26,572)

$ 136,712

$ 73,973

$ 23,886

$ 23,664

$ 6,425

$ 221,130

$ 127,948

$ 138,172

Restricted share awards (RSAs) [Member]

Issuance of ACI common stock

148,322

125,026

106,275

Awards granted requisite service period

3 years

Revolving Credit Facility

Term Credit Facility [Member]

Additional borrowing

$ 181,000

$ 60,500

Additional borrowing

150,000

PAY.ON

Business acquisition cash paid

Total purchase price

$ 186,141

$ 900

Revenue

16,500

2,900

Operating Income (loss)

17,100

2,100

$ 180,994

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

Issuance of ACI common stock

476,750

Fair value of shares on grant date

$ 11,300

Awards granted requisite service period

2 years

PAY.ON | Restricted share awards (RSAs) [Member] | Vest In Every Six Months

Percentage of award vesting increment for every six month

25.00%

Retail Decisions [Member]

Business acquisition cash paid

$ 2,700

Revenue

42,700

17,900

Operating Income (loss)

$ 6,800

$ 1,900

$ 205,100

[1]

Acquisitions - Purchase Price of PAY.ON (Detail) - PAY.ON - USD ($) $ in Thousands		12 Months Ended
	Nov. 04, 2015	Dec. 31, 2016
Business Acquisition [Line Items]
Cash payments to PAY.ON shareholders		$ 180,994
Issuance of ACI common stock		5,379
Working capital adjustment		(232)
Total purchase price	$ 186,141	$ 186,141

Acquisitions - Purchase Price Allocation of PAY.ON (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Business Acquisition [Line Items]
Goodwill	$ 909,691	$ 913,261	$ 781,163
PAY.ON
Business Acquisition [Line Items]
Cash and cash equivalents	1,627
Receivables	2,649
Other current assets	502
Total current assets acquired	4,778
Property and equipment	332
Goodwill	140,526
Other noncurrent assets	28
Total assets acquired	203,832
Accounts payable	1,058
Employee compensation	681
Other current liabilities	866
Total current liabilities acquired	2,605
Deferred income taxes	15,086
Total liabilities acquired	17,691
Net assets acquired	$ 186,141
Software \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 34,150
Customer relationships \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	15 years
Amortizable intangible assets	$ 21,718
Trademarks \| PAY.ON
Business Acquisition [Line Items]
Acquired intangible assets, weighted-average useful lives	5 years
Amortizable intangible assets	$ 2,300

Acquisitions - Purchase Price Allocation of ReD (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2014
Business Acquisition [Line Items]
Goodwill	$ 913,261	$ 909,691	$ 781,163
Retail Decisions [Member]
Business Acquisition [Line Items]
Cash and cash equivalents	795
Receivables	10,106
Other current assets	10,282
Total current assets acquired	21,183
Property and equipment	3,354
Goodwill	137,915
Deferred income taxes	565
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

Divestiture - Additional information (Detail) - Community Financial Services products - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Mar. 03, 2016
TSA \| Maximum
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Migration period	18 months
Disposal Group, Not Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Amount of consideration related to disposal		$ 200.0
Net after-tax gain on the sale of assets	$ 93.4
Disposal Group, Not Discontinued Operations \| Adjustment to Gain Loss on Sale of Assets
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Net after-tax gain on the sale of assets	$ 0.5

Software and Other Intangible Assets - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Software, net	$ 185,496	$ 237,941
Software, accumulated amortization	195,000	158,900
Other intangible assets amortization expense	$ 21,200	23,000	$ 24,700
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	$ 52,300	70,100
Software, amortization expense	$ 13,900	14,500	14,800
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	$ 133,200	167,800
Software, amortization expense	$ 45,700	$ 38,300	$ 26,700
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

Software and Other Intangible Assets - Carrying Amount and Accumulated Amortization of Other Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 322,178	$ 364,805
Accumulated Amortization	(118,544)	(107,880)
Net Balance	203,634	256,925
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	295,730	336,075
Accumulated Amortization	(96,356)	(86,585)
Net Balance	199,374	249,490
Trademarks and tradenames [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	16,019	18,040
Accumulated Amortization	(11,759)	(10,605)
Net Balance	4,260	7,435
Purchased contracts [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	10,429	10,690
Accumulated Amortization	$ (10,429)	$ (10,690)

Software and Other Intangible Assets - Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Finite-Lived Intangible Assets [Line Items]
Net Balance	$ 203,634	$ 256,925
Software
Finite-Lived Intangible Assets [Line Items]
2017	55,229
2018	41,254
2019	32,871
2020	25,733
2021	17,848
Thereafter	12,561
Net Balance	185,496
Other Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
2017	19,040
2018	18,537
2019	18,006
2020	17,139
2021	16,677
Thereafter	114,235
Net Balance	$ 203,634

Debt - Additional Information (Detail) - USD ($)					12 Months Ended
Debt - Additional Information (Detail) - USD ($)	Feb. 24, 2017	Oct. 26, 2016	Aug. 20, 2013	Nov. 10, 2011	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2012	Nov. 02, 2016	Sep. 30, 2016	Feb. 29, 2016
Debt Instrument [Line Items]
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, 2016 for the Credit Facility was 3.27%.
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					3.27%
Other current assets					$ 33,578,000	$ 21,637,000
Current portion of long-term debt					90,323,000	89,710,000
Other noncurrent assets					39,054,000	33,658,000
Long-term debt					653,595,000	834,449,000
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility amount outstanding					88,000,000
Unused borrowings					154,500,000
Credit facilities, maximum borrowing capacity										$ 250,000,000
Current borrowing capacity due letter of credit										242,500,000
Term Credit Facility [Member]
Debt Instrument [Line Items]
Line of credit facility amount outstanding					365,300,000
Letters of Credit
Debt Instrument [Line Items]
Unused borrowings					7,500,000
Credit facilities, maximum borrowing capacity		$ 7,500,000								$ 25,000,000
Credit Facility maturity date		Jun. 30, 2017
Senior Notes [Member]
Debt Instrument [Line Items]
Senior notes amount outstanding			$ 300,000,000		$ 300,000,000
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		Aug. 15, 2020
ASU 2015-03 [Member] \| Restatement Adjustment
Debt Instrument [Line Items]
Other current assets						(5,600,000)
Current portion of long-term debt						(5,600,000)
Other noncurrent assets						(8,800,000)
Long-term debt						(8,800,000)
Credit Agreement
Debt Instrument [Line Items]
Consolidated Net Leverage Ratio								400.00%	375.00%
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 Facility maturity date				Aug. 20, 2018
Credit Agreement \| Term Credit Facility [Member]
Debt Instrument [Line Items]
Credit facilities, maximum borrowing capacity				$ 650,000,000
Credit facilities, maturity				5 years
Credit Facility maturity date				Aug. 20, 2018
Amended Credit Agreement \| Subsequent Event
Debt Instrument [Line Items]
Credit Facility maturity date	Feb. 24, 2022
Amended Credit Agreement \| Revolving Credit Facility \| Subsequent Event
Debt Instrument [Line Items]
Credit facilities, maximum borrowing capacity	$ 500,000,000
Amended Credit Agreement \| Term Credit Facility [Member] \| Subsequent Event
Debt Instrument [Line Items]
Credit facilities, maximum borrowing capacity	$ 415,000,000
Five-year License Agreement [Member]
Debt Instrument [Line Items]
Financed internally-used software							$ 14,800,000
License agreement period							5 years
Annual payments due date					Through April 2016
Three-year License Agreement [Member]
Debt Instrument [Line Items]
Financed internally-used software						$ 20,400,000
License agreement period						3 years
Annual payments due date					Through November 2018
Total other liabilities					$ 9,000,000	$ 20,200,000
Other current liabilities					7,300,000	11,700,000
Other noncurrent liabilities					$ 1,700,000	$ 8,500,000
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%

Debt - Maturities on Long-Term Debt Outstanding (Detail) $ in Thousands	Dec. 31, 2016 USD ($)
Debt Disclosure [Abstract]
2017	$ 95,293
2018	357,997
2019	0
2020	300,000
Total	$ 753,290

Debt - Carrying Value of Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Debt issuance costs	$ (9,372)	$ (14,424)
Total debt	743,918	924,159
Less current portion of term credit facility	95,293	95,293
Less current portion of debt issuance costs	(4,970)	(5,583)
Total long-term debt	653,595	834,449
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	365,290	460,583
Revolving Credit Facility
Debt Instrument [Line Items]
Total debt	$ 88,000	$ 178,000

Debt - Carrying Value of Debt (Parenthetical) (Detail) - 6.375% Senior Notes, due August 2020 [Member]	12 Months Ended
	Dec. 31, 2016
Debt Instrument [Line Items]
Percentage of interest rate on notes	6.375%
Maturity date of senior notes	Aug. 15, 2020

Fair Value of Financial Instruments - Additional Information (Detail) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value senior note	$ 309.8	$ 310.5

Corporate Restructuring and Other Organizational Changes - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2016 USD ($)	Dec. 31, 2015 USD ($) Position	Dec. 31, 2014 USD ($) Position
Restructuring Cost and Reserve [Line Items]
Employee termination costs paid during the period	$ 800
Employee termination costs		$ 1,300	$ 8,700
Number of positions eliminated \| Position		30	220
Amounts paid during the period	1,432	$ 3,056
Restructuring charges	4,559	1,045	$ 2,793
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Severance liability to be paid over the next 12 months	0	800
Amounts paid during the period	778	2,872
Restructuring charges		777	2,341
Facility Closures [Member]
Restructuring Cost and Reserve [Line Items]
Amounts paid during the period	654	184
Restructuring charges	4,559	268	452
Facility Closures [Member] \| Other Current Liabilities
Restructuring Cost and Reserve [Line Items]
Restructuring charges	1,100
Facility Closures [Member] \| Other Noncurrent Liabilities
Restructuring Cost and Reserve [Line Items]
Restructuring charges	3,500
General and Administrative \| Leased Facilities in Watford, UK; Providence, RI; Chantilly, VA; and West Hills, CA
Restructuring Cost and Reserve [Line Items]
Lease termination fee	$ 5,000
Americas Segment [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs		700	5,700
EMEA Segment [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs		$ 600	2,000
Asia/Pacific Segment [Member]
Restructuring Cost and Reserve [Line Items]
Employee termination costs			$ 1,000

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, 2016	Dec. 31, 2015
Restructuring Cost and Reserve [Line Items]
Beginning balance	$ 1,045	$ 2,793
Restructuring charges (adjustments) incurred, net	5,041	1,339
Amounts paid during the period	(1,432)	(3,056)
Foreign currency translation adjustments	(95)	(31)
Ending balance	4,559	1,045
Severance [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	777	2,341
Restructuring charges (adjustments) incurred, net		1,339
Amounts paid during the period	(778)	(2,872)
Foreign currency translation adjustments	1	(31)
Ending balance		777
Facility Closures [Member]
Restructuring Cost and Reserve [Line Items]
Beginning balance	268	452
Restructuring charges (adjustments) incurred, net	5,041
Amounts paid during the period	(654)	(184)
Foreign currency translation adjustments	(96)
Ending balance	$ 4,559	$ 268

Common Stock and Treasury Stock - Additional Information (Detail) - USD ($)	12 Months Ended			60 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2016	Feb. 28, 2014	Jul. 31, 2013	Sep. 13, 2012	Sep. 12, 2012
Maximum stock authorized to purchase under stock repurchase program					$ 200,000,000			$ 262,100,000
Increase in maximum stock authorized to purchase under stock repurchase program					$ 100,000,000	$ 100,000,000
Repurchase of common stock, shares	3,020,926		3,578,427	40,129,393
Repurchase of common stock, value	$ 60,089,000		$ 70,000,000	$ 455,900,000
Number shares issued pursuant to stock option exercises	792,841	1,144,273	2,036,558
Long-term incentive program performance share awards
Stock issued during the period performance share award	470,029	548,671	635,643
Restricted share awards (RSAs) [Member]
Stock issued during period, performance based restricted share awards	148,322	125,026	106,275
Performance-Based Restricted Share Awards [Member]
Stock issued during period, performance based restricted share awards		978,365
Stock Options [Member]
Number shares issued pursuant to stock option exercises	797,140	1,146,199	2,037,467
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	$ 78,200,000			$ 78,200,000

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, 2016	Dec. 31, 2015	Dec. 31, 2014
Weighted average shares outstanding:
Basic weighted average shares outstanding	117,533	117,465	114,798
Add: Dilutive effect of stock options	1,314	1,454	1,973
Diluted weighted average shares outstanding	118,847	118,919	116,771

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Earnings Per Share [Abstract]
Options to purchase shares, contingently issuable shares, and common stock warrants excluded from diluted net income per share computation	6,100,000	3,700,000	2,900,000
Common stock outstanding	117,336,797	119,033,770

Other, net (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
Other, net (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Other Income and Expenses [Abstract]
Foreign currency transaction gains (losses)									$ 4,105	$ 1,946	$ (67)
Realized gain on available-for-sale securities										24,465
Other											(173)
Total	$ (378)	$ 2,794	$ 2,023	$ (334)	$ (1,284)	$ 4,314	$ 19,659	$ 3,722	$ 4,105	$ 26,411	$ (240)

Other, net - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Income Expense [Line Items]
Realized gain on available-for-sale securities	$ 24,465
Deferred tax assets, valuation allowance		$ 8,700
Yodlee, Inc. [Member]
Other Income Expense [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

Segment Information - Additional Information (Detail) - Segment	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Number of geographic regions	3
Number of reportable segments	3
Geographic Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues during the years ended December 31, 2016, 2015 and 2014	No country outside of the United States accounted for more than 10% of the Company's consolidated revenues during the years ended December 31, 2016, 2015, and 2014.
Customer Concentration Risk
Segment Reporting Information [Line Items]
Percentage of revenues during the years ended December 31, 2016, 2015 and 2014	No single customer accounted for more than 10% of the Company's consolidated revenues during the years ended December 31, 2016, 2015, and 2014.
BASE24
Segment Reporting Information [Line Items]
Percentage of total revenues from licensing BASE24 product line	22.00%	21.00%	21.00%

Segment Information - Selected Segment Financial Data, Revenues and Income (Loss) Before Income Taxes (Detail) - USD ($)
$ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2016

Sep. 30, 2016

Jun. 30, 2016

Mar. 31, 2016

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014

$ 342,730

$ 216,975

$ 219,930

$ 226,066

$ 308,637

$ 238,701

$ 265,822

$ 232,817

$ 1,005,701

$ 1,045,977

$ 1,016,149

103,454

97,431

86,683

43,613

18,380

11,045

Operating Segments [Member] | Americas Segment [Member]

$ 109,862

$ (16,252)

$ (34,143)

^[1]

$ 126,114

^[1]

$ 62,623

$ 18,566

$ 32,876

$ (692)

185,581

113,373

98,769

27,951

24,966

20,548

5,005

1,638

2,910

Operating Segments [Member] | Americas Segment [Member] | United States [Member]

206,689

111,382

143,379

Operating Segments [Member] | Americas Segment [Member] | Other [Member]

527,431

628,013

614,488

Operating Segments [Member] | EMEA Segment [Member]

116,718

82,548

87,279

261,160

250,568

230,879

3,830

3,670

4,126

6,476

1,223

419

Operating Segments [Member] | Asia/Pacific Segment [Member]

176,958

132,518

116,120

100,392

84,848

83,503

1,820

1,751

1,809

605

249

Corporate, Non-Segment [Member]

62,422

41,658

38,853

69,853

67,044

60,200

31,527

15,483

7,467

$ (260,488)

$ (172,185)

$ (199,583)

[1]

Segment Information - Selected Segment Financial Data, Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Segment Reporting Information [Line Items]
Long lived assets	$ 1,416,825	$ 1,502,415
Assets	1,902,295	1,975,788
Americas Segment [Member] \| United States [Member]
Segment Reporting Information [Line Items]
Long lived assets	752,442	915,030
Assets	991,687	1,182,309
Americas Segment [Member] \| Other [Member]
Segment Reporting Information [Line Items]
Long lived assets	11,422	11,643
Assets	32,365	33,492
EMEA Segment [Member]
Segment Reporting Information [Line Items]
Long lived assets	580,110	502,785
Assets	765,291	643,275
Asia/Pacific Segment [Member]
Segment Reporting Information [Line Items]
Long lived assets	72,851	72,957
Assets	$ 112,952	$ 116,712

Segment Information - Revenues, by Product Line (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenue from External Customer [Line Items]
Revenues	$ 342,730	$ 216,975	$ 219,930	$ 226,066	$ 308,637	$ 238,701	$ 265,822	$ 232,817	$ 1,005,701	$ 1,045,977	$ 1,016,149
Retail payments processing
Revenue from External Customer [Line Items]
Revenues									415,729	402,454	406,023
Billers
Revenue from External Customer [Line Items]
Revenues									255,540	241,949	235,039
Online banking and community financial services
Revenue from External Customer [Line Items]
Revenues									125,580	219,698	227,659
Tools and infrastructure
Revenue from External Customer [Line Items]
Revenues									63,923	42,783	40,427
Wholesale banking payments
Revenue from External Customer [Line Items]
Revenues									37,040	41,545	37,879
Payment fraud management
Revenue from External Customer [Line Items]
Revenues									30,130	27,373	36,235
Card and merchant management
Revenue from External Customer [Line Items]
Revenues									$ 77,759	$ 70,175	$ 32,887

Stock-Based Compensation Plans - Additional Information (Detail)				3 Months Ended			12 Months Ended				36 Months Ended
	Sep. 15, 2015	Jun. 09, 2015	Jul. 24, 2007 shares	Sep. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Dec. 31, 2016 USD ($) Tranche Employee $ / shares shares	Dec. 31, 2015 USD ($) Tranche $ / shares shares	Sep. 30, 2015	Dec. 31, 2014 USD ($) $ / shares shares	Dec. 31, 2014	Jun. 14, 2012 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued under ESPP							188,453	162,058		154,223
Stock-based compensation expense \| $							$ 43,613,000	$ 18,380,000		$ 11,045,000
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
Shares of common stock reserved for issuance prior to amendment							9,000,000
Incentive plan, weighted-average grant date fair value of stock options granted \| $ / shares							$ 5.59	$ 6.49		$ 9.02
Incentive plan, total intrinsic value of stock options exercised \| $							$ 6,800,000	$ 12,400,000		$ 22,800,000
Expected dividend yield							0.00%
Dividend paid \| $ / shares							$ 0
Number of tranches \| Tranche							3	3
Unrecognized compensation costs \| $							$ 500,000
Unrecognized compensation costs, weighted-average recognition periods							6 years
Stock-based compensation expenses tax benefits \| $							$ 14,300,000	$ 6,900,000		4,200,000
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, percent							85.00%
Discount offered pursuant to ESPP, percentage							15.00%
Stock-based compensation expense \| $							$ 500,000	$ 500,000		$ 500,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs \| $							$ 12,000,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 10 months 24 days
Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							133.00%	133.00%
Consecutive trading days							20 days	20 years
Award vesting period							1 year
Share-based compensation, non-vested grant date fair value \| $ / shares							$ 7.46	$ 8.01
Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							167.00%	167.00%
Consecutive trading days							20 days	20 years
Share-based compensation, non-vested grant date fair value \| $ / shares							$ 7.06	$ 7.56
Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, trading price percentage							200.00%	200.00%
Consecutive trading days							20 days	20 years
Share-based compensation, non-vested grant date fair value \| $ / shares							$ 6.50	$ 7.00
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%
Award vesting period							1 year
Stock based compensation awards, shares vested							114,219	158,973		66,670
Shares withheld to pay employees' portion of minimum payroll withholding taxes							9,062	25,235		26,461
Unrecognized compensation costs \| $							$ 2,000,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 3 months 18 days
2012 Grant
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected attainment level for the awards granted, percentage							0.00%	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%
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%
Performance-Based Restricted Share Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year 3 months 18 days
Stock based compensation awards, shares vested							169,567
Shares withheld to pay employees' portion of minimum payroll withholding taxes							59,659
Unrecognized compensation costs \| $							$ 3,200,000
Unrecognized compensation costs, weighted-average recognition periods							1 year 1 month 21 days
Performance-Based Restricted Share Awards [Member] \| 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		90.40%						33.00%
Threshold level percentage for share awards								150.00%
Award grants assuming percentage		100.00%						100.00%
Performance-Based Restricted Share Awards [Member] \| 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 [Member] \| Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year								33.00%
Retention RSAs [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock based compensation awards, shares vested							226,526
Shares withheld to pay employees' portion of minimum payroll withholding taxes							76,421
Retention RSAs [Member] \| Executive Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							1 year 3 months 18 days
Retention RSAs [Member] \| Executive Officers [Member] \| Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							50.00%
Retention RSAs [Member] \| Executive Officers [Member] \| Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							50.00%
Retention RSAs [Member] \| Employees other than Named Executive Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							9 months 18 days
Retention RSAs [Member] \| Employees other than Named Executive Officers [Member] \| Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							50.00%
Retention RSAs [Member] \| Employees other than Named Executive Officers [Member] \| Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting percentage for each year							50.00%
PAY.ON RSAs [Member]
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%
Stock based compensation awards, shares vested							238,374
Number of employees to whom awards issued \| Employee							2
2016 Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized							8,000,000
2016 Incentive Plan \| Stock options, stock appreciation rights, restricted stock, restricted stock units and other awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum number of shares of Common Stock a participant may receive							3,000,000
2016 Incentive Plan \| Performance shares or Performance units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate value on the date of grant \| $							$ 9,000,000
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
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
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						200.00%	200.00%	200.00%		200.00%	200.00%
Stock based compensation awards, shares vested								548,671		635,643
Shares withheld to pay employees' portion of minimum payroll withholding taxes								196,169		228,279
Unrecognized compensation costs \| $							$ 18,000,000
Unrecognized compensation costs, weighted-average recognition periods							2 years
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

Stock-Based Compensation Plans - Summary of Stock Options Issued Pursuant to Stock Incentive Plans (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Number of Shares
Outstanding, Beginning Balance	5,799,076	5,282,693	7,408,821
Granted	2,284,500	2,055,514	27,132
Exercised	(792,841)	(1,144,273)	(2,036,558)
Forfeited	(446,845)	(394,265)	(116,702)
Expired	(52,515)	(593)
Outstanding, Ending Balance	6,791,375	5,799,076	5,282,693
Number of Shares Exercisable, Ending Balance	3,650,356
Weighted-Average Exercise Price
Beginning Balance	$ 14.37	$ 12.06	$ 11.02
Granted	17.92	19.12	20.13
Exercised	11.69	10.62	8.08
Forfeited	18.69	19.06	17.80
Expired	20.44	20.51
Ending Balance	15.54	$ 14.37	$ 12.06
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 13.15
Weighted-Average Remaining Contractual Term (Years)
Weighted Average Remaining Contractual Term (Years), Outstanding as of end of period	6 years 8 months 5 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	4 years 10 months 13 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 20,777,320
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 20,245,847

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, 2016	Dec. 31, 2015	Dec. 31, 2014
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	5 years 10 months 24 days
Risk-free interest rate	1.20%	1.40%	1.80%
Expected volatility	29.70%	32.10%	45.20%
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	7 years 6 months
Risk-free interest rate	1.60%	1.70%
Expected volatility	41.60%	41.90%
Expected dividend yield	0.00%	0.00%

Stock-Based Compensation Plans - Summary of Transaction Stock Options Issued Pursuant to Stock Incentive Plans (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Number of Shares
Outstanding, Beginning Balance	5,799,076	5,282,693	7,408,821
Exercised	(792,841)	(1,144,273)	(2,036,558)
Cancelled	(446,845)	(394,265)	(116,702)
Outstanding, Ending Balance	6,791,375	5,799,076	5,282,693
Number of Shares Exercisable, Ending Balance	3,650,356
Weighted-Average Exercise Price
Beginning Balance	$ 14.37	$ 12.06	$ 11.02
Exercised	11.69	10.62	8.08
Cancelled	18.69	19.06	17.80
Ending Balance	15.54	$ 14.37	$ 12.06
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 13.15
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	6 years 8 months 5 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	4 years 10 months 13 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 20,777,320
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 20,245,847
Online Resources Corporation
Number of Shares
Outstanding, Beginning Balance	21,036	46,512	62,445
Exercised	(4,299)	(1,926)	(909)
Cancelled	(2,634)	(23,550)	(15,024)
Outstanding, Ending Balance	14,103	21,036	46,512
Number of Shares Exercisable, Ending Balance	14,103
Weighted-Average Exercise Price
Beginning Balance	$ 29.76	$ 36.73	$ 35.03
Exercised	13.92	13.92	13.92
Cancelled	40.51	44.83	31.03
Ending Balance	32.58	$ 29.76	$ 36.73
Weighted-Average Exercise Price Exercisable, Ending Balance	$ 32.58
Weighted-Average Remaining Contractual Term (Years)
Weighted-Average Remaining Contractual Term (Years), Outstanding as of end of period	1 year 4 months 21 days
Weighted-Average Remaining Contractual Term (Years), Exercisable as of end of period	1 year 4 months 21 days
Aggregate Intrinsic Value of In-the-Money Options
Aggregate Intrinsic Value of In-the-Money Options, Outstanding as of end of period	$ 0
Aggregate Intrinsic Value of In-the-Money Options, Exercisable as of end of period	$ 0

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, 2016	Dec. 31, 2015	Dec. 31, 2014
Number of Shares at Expected Attainment
Beginning Balance	889,295	1,145,916	2,718,576
Granted	1,059,428	1,025,863	19,065
Vested		(548,671)	(635,643)
Forfeited	(210,667)	(205,510)	(111,599)
Change in expected attainment for 2011 and 2013 grants		(528,303)	(844,483)
Ending Balance	1,738,056	889,295	1,145,916
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 19.13	$ 14.84	$ 13.78
Granted	17.92	19.12	20.13
Vested		9.75	8.88
Forfeited	18.61	19.39	16.43
Change in expected attainment for 2011 and 2013 grants		19.44	15.86
Ending Balance	$ 18.45	$ 19.13	$ 14.84

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, 2016	Dec. 31, 2015	Dec. 31, 2014
Nonvested Restricted Share Awards
Beginning Balance	149,262	183,209	145,065
Granted	148,322	125,026	106,275
Vested	(114,219)	(158,973)	(66,670)
Forfeited	(11,257)		(1,461)
Ending Balance	172,108	149,262	183,209
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 22.62	$ 17.11	$ 14.91
Granted	20.19	23.82	18.57
Vested	22.64	17.21	14.59
Forfeited	21.01		20.51
Ending Balance	$ 20.62	$ 22.62	$ 17.11

Stock-Based Compensation Plans - Summary of Nonvested Performance Based Share Awards and Changes During Period (Detail) - Performance-Based Restricted Share Awards [Member] - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Nonvested Restricted Share Awards
Beginning Balance	938,863
Granted		978,365
Forfeited	(67,397)	(39,502)
Vested	(169,567)
Change in attainment for 2015 grants	(18,232)
Ending Balance	683,667	938,863
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 23.42
Granted		$ 23.45
Forfeited	22.34	24.24
Vested	24.41
Change in attainment for 2015 grants	24.41
Ending Balance	$ 23.25	$ 23.42

Stock-Based Compensation Plans - Summary of Nonvested Retention Restricted Share Awards and Changes During Period (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Retention RSAs [Member]
Nonvested Restricted Share Awards
Granted	473,069
Vested	(226,526)
Forfeited	(41,003)
Ending Balance	205,540
Weighted-Average Grant Date Fair Value
Granted	$ 17.89
Vested	17.89
Forfeited	17.89
Ending Balance	$ 17.89
PAY.ON RSAs [Member]
Nonvested Restricted Share Awards
Beginning Balance	476,750
Granted		476,750
Vested	(238,374)
Ending Balance	238,376	476,750
Weighted-Average Grant Date Fair Value
Beginning Balance	$ 23.60
Granted		$ 23.60
Vested	23.60
Ending Balance	$ 23.60	$ 23.60

Employee Benefit Plans - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Defined Contribution Plans Disclosures [Line Items]
Employees maximum 401(k) contribution, percentage	75.00%
Defined contribution plan, contribution	$ 5,500,000	$ 6,100,000	$ 6,000,000
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	$ 1,700,000	$ 1,800,000	$ 1,500,000
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%

Income Taxes - Components of Income Before Income Taxes (Detail) - USD ($)
$ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2016

Sep. 30, 2016

Jun. 30, 2016

^[1]

Mar. 31, 2016

^[1]

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014

United States

$ 134,740

$ 52,563

$ 47,963

Foreign

50,841

60,810

50,806

$ 109,862

$ (16,252)

$ (34,143)

$ 126,114

$ 62,623

$ 18,566

$ 32,876

$ (692)

$ 185,581

$ 113,373

$ 98,769

[1]

Income Taxes - Income Tax Expense (Benefit) (Detail) - USD ($)
$ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2016

Sep. 30, 2016

Jun. 30, 2016

^[1]

Mar. 31, 2016

^[1]

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014

Federal

Current

$ 14,108

$ (6,889)

$ 7,895

Deferred

19,034

18,024

7,021

Total

33,142

11,135

14,916

State

Current

12,565

379

1,542

Deferred

(2,502)

(4,096)

(2,397)

Total

10,063

(3,717)

(855)

Foreign

Current

11,671

15,117

13,335

Deferred

1,170

5,402

3,813

Total

12,841

20,519

17,148

Income tax provision

$ 43,171

$ (6,426)

$ (17,669)

$ 36,970

$ 18,856

$ 3,786

$ 5,825

$ (530)

$ 56,046

$ 27,937

$ 31,209

[1]

Income Taxes - 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, 2016

Sep. 30, 2016

Jun. 30, 2016

^[1]

Mar. 31, 2016

^[1]

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2016

Dec. 31, 2015

Dec. 31, 2014