ACI Worldwide, Inc.(ACI) develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. In addition to its own products, it 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. Its products are sold and supported through distribution networks covering three geographic regions the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. In November 2013, the Company announced that it has completed the acquisition of Official Payments Holdings, Inc, a provider of electronic bill payment solutions. In August 2014, the Company announced that it has completed the acquisition of Retail Decisions, a provider of fraud prevention solutions.