Euronet Worldwide (EEFT) 10-Q 2 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 29, 2015
Entity Information [Line Items]
Entity Registrant Name	EURONET WORLDWIDE INC
Entity Central Index Key	1,029,199
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		52,811,936

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Current assets:
Cash and cash equivalents	$ 528,834	$ 468,010
Restricted cash	40,717	68,028
Inventory — PINs and other	56,391	85,675
Trade accounts receivable, net of allowances for doubtful accounts of $20,139 at September 30, 2015 and $20,546 at December 31, 2014	330,144	375,579
Prepaid expenses and other current assets	130,857	108,624
Total current assets	1,086,943	1,105,916
Property and equipment, net of accumulated depreciation of $240,057 at September 30, 2015 and $239,607 at December 31, 2014	149,506	125,307
Goodwill	686,359	599,863
Acquired intangible assets, net of accumulated amortization of $126,039 at September 30, 2015 and $113,153 at December 31, 2014	173,974	158,267
Other assets, net of accumulated amortization of $36,159 at September 30, 2015 and $30,276 at December 31, 2014	68,963	62,206
Total assets	2,165,745	2,051,559
Current liabilities:
Trade accounts payable	388,323	445,984
Accrued expenses and other current liabilities	402,960	336,361
Current portion of capital lease obligations	1,905	2,216
Short-term debt obligations and current maturities of long-term debt obligations	12,303	11,156
Income taxes payable	14,549	19,248
Deferred revenue	30,609	33,916
Total current liabilities	850,649	848,881
Debt obligations, net of current portion	449,318	410,368
Capital lease obligations, net of current portion	4,005	2,148
Deferred income taxes	44,065	38,959
Other long-term liabilities	20,074	18,391
Total liabilities	1,368,111	1,318,747
Euronet Worldwide, Inc. stockholders' equity:
Preferred Stock, $0.02 par value. 10,000,000 shares authorized; none issued	0	0
Common Stock, $0.02 par value. 90,000,000 shares authorized; 57,707,721 issued at September 30, 2015 and 56,464,187 issued at December 31, 2014	1,154	1,129
Additional paid-in-capital	1,015,258	955,715
Treasury stock, at cost, 4,928,927 shares at September 30, 2015 and 4,867,420 shares at December 31, 2014	(138,182)	(133,788)
Retained earnings	70,940	5,619
Accumulated other comprehensive loss	(153,076)	(97,922)
Total Euronet Worldwide, Inc. stockholders' equity	796,094	730,753
Noncontrolling interests	1,540	2,059
Total equity	797,634	732,812
Total liabilities and equity	$ 2,165,745	$ 2,051,559

Balance Sheet Parenthetical (Pa

Balance Sheet Parenthetical (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Allowance for doubtful accounts receivable	$ 20,139	$ 20,546
Accumulated depreciation of property and equipment	240,057	239,607
Accumulated amortization of intangible assets	126,039	113,153
Accumulated amortization of other assets	$ 36,159	$ 30,276
Preferred Stock, par value per share	$ 0.02	$ 0.02
Preferred Stock, shares authorized	10,000,000	10,000,000
Preferred Stock, shares issued	0	0
Common Stock, par value per share	$ 0.02	$ 0.02
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	57,707,721	56,464,187
Treasury Stock, shares	4,928,927	4,867,420

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenues	$ 481,373	$ 453,422	$ 1,301,683	$ 1,202,199
Operating expenses:
Direct operating costs	282,313	274,814	791,749	743,789
Salaries and benefits	67,070	64,587	192,158	178,529
Selling, general and administrative	43,723	43,968	116,373	117,820
Depreciation and amortization	17,993	19,321	51,786	52,819
Total operating expenses	411,099	402,690	1,152,066	1,092,957
Operating income	70,274	50,732	149,617	109,242
Other income (expense):
Interest income	539	797	1,642	1,956
Interest expense	(6,690)	(3,046)	(18,482)	(7,476)
Loss from unconsolidated affiliates	0	(33)	0	(64)
Foreign currency exchange loss, net	(16,010)	(711)	(34,066)	(5,067)
Other losses (gains)	(73)	0	315	0
Other expense, net	(22,234)	(2,993)	(50,591)	(10,651)
Income before income taxes	48,040	47,739	99,026	98,591
Income tax expense	(16,716)	(12,830)	(34,056)	(27,261)
Net income	31,324	34,909	64,970	71,330
Net loss attributable to noncontrolling interests	10	128	351	231
Net income attributable to Euronet Worldwide, Inc.	$ 31,334	$ 35,037	$ 65,321	$ 71,561
Earnings per share attributable to Euronet Worldwide, Inc. stockholders - basic	$ 0.60	$ 0.67	$ 1.25	$ 1.39
Earnings per share attributable to Euronet Worldwide, Inc. stockholders - diluted	$ 0.57	$ 0.64	$ 1.21	$ 1.33
Weighted average number of shares outstanding - basic	52,617,245	52,512,474	52,075,388	51,658,823
Weighted average number of shares outstanding - diluted	54,544,763	54,619,793	53,944,248	53,740,151

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Net income	$ 31,324	$ 34,909	$ 64,970	$ 71,330
Translation adjustment	(20,325)	(61,557)	(55,265)	(54,221)
Comprehensive income (loss)	10,999	(26,648)	9,705	17,109
Comprehensive loss attributable to noncontrolling interests	6	257	462	371
Comprehensive income (loss) attributable to Euronet Worldwide, Inc.	$ 11,005	$ (26,391)	$ 10,167	$ 17,480

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Net income	$ 64,970	$ 71,330
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	51,786	52,819
Share-based compensation	9,265	9,631
Unrealized foreign exchange loss, net	34,066	5,067
Deferred income taxes	31	(3,470)
Loss from unconsolidated affiliates	0	64
Accretion of convertible debt discount and amortization of debt issuance costs	9,154	854
Changes in working capital, net of amounts acquired:
Income taxes payable, net	(14,165)	760
Restricted cash	21,843	16,115
Inventory - PINs and other	23,180	20,287
Trade accounts receivable	31,982	44,266
Prepaid expenses and other current assets	(28,264)	(5,077)
Trade accounts payable	(30,707)	(55,762)
Deferred revenue	(1,990)	(3,259)
Accrued expenses and other current liabilities	63,350	67,239
Changes in noncurrent assets and liabilities	(2,983)	3,775
Net cash provided by operating activities	231,518	224,639
Cash flows from investing activities:
Acquisitions, net of cash acquired	(113,969)	(84,703)
Purchases of property and equipment	(55,305)	(45,673)
Purchases of other long-term assets	(4,976)	(4,276)
Other, net	1,138	219
Net cash used in investing activities	(173,112)	(134,433)
Cash flows from financing activities:
Proceeds from issuance of shares	6,747	8,512
Repurchas of shares	(5,174)	(1,152)
Borrowings from revolving credit agreements	751,813	2,001,386
Repayments of revolving credit agreements	(715,437)	(1,833,796)
Proceeds from long-term debt obligations	0	9,000
Repayments of long-term debt obligations	(3,750)	(3,876)
Repayments of capital lease obligations	(2,531)	(1,897)
(Repayments of) borrowings from short-term debt obligations, net	(1,265)	2,778
Other, net	847	(1,812)
Net cash provided by financing activities	31,250	179,143
Effect of exchange rate changes on cash and cash equivalents	(28,832)	(27,988)
Increase in cash and cash equivalents	60,824	241,361
Cash and cash equivalents at beginning of period	468,010	209,826
Cash and cash equivalents at end of period	528,834	451,187
Interest paid during the period	7,091	5,861
Income taxes paid during the period	43,210	29,645
Equity issued in connection with acquisitions	$ 43,061	$ 56,554

General

General	9 Months Ended
	Sep. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
GENERAL	GENERAL Organization Euronet Worldwide, Inc. (together with its subsidiaries, the “Company” or “Euronet”) is a leading electronic payments provider. Euronet offers payment and transaction processing and distribution solutions to financial institutions, retailers, service providers and individual consumers. Euronet's primary product offerings include comprehensive automated teller machine (“ATM”), point-of-sale (“POS”), card outsourcing, card issuing and merchant acquiring services; electronic distribution of prepaid mobile airtime and other electronic payment products; and global money transfer services. Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared from the records of the Company, in conformity with accounting principles generally accepted in the U.S. (“U.S. GAAP”) and pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). In the opinion of management, such unaudited consolidated financial statements contain all adjustments (consisting of normal interim closing procedures) necessary to present fairly on a consolidated basis the financial position of the Company as of September 30, 2015 , the results of its operations for the three and nine months ended September 30, 2015 and 2014 and cash flows for the nine months ended September 30, 2015 and 2014 . The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements of the Company for the year ended December 31, 2014 , including the notes thereto, set forth in the Company’s 2014 Annual Report on Form 10-K. Certain amounts in prior years have been reclassified to conform to the current year's presentation. Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements, as well as the reported amounts of revenues and expenses during the reported period. Significant items subject to such estimates and assumptions include computing income taxes, estimating the useful lives and potential impairment of long-lived assets and goodwill, as well as allocating the purchase price to assets acquired and liabilities assumed in acquisitions and revenue recognition. Actual results could differ from those estimates. The results of operations for interim periods are not necessarily indicative of the results to be expected for the full year ending December 31, 2015 . Seasonality Euronet’s EFT Processing Segment experiences its heaviest demand for dynamic currency conversion services during the third quarter of the fiscal year, coinciding with tourism season. Additionally, the EFT Processing and epay Segments are impacted by seasonality during the fourth quarter and first quarter of each year due to higher transaction levels during the holiday season and lower levels following the holiday season. Seasonality in the Money Transfer Segment varies by regions of the world. In most markets, Euronet usually experiences increased demand for money transfer services from the month of May through the fourth quarter of each year, coinciding with the increase in worker migration patterns and various holidays, and experiences its lowest transaction levels during the first quarter of each year.

Recently Issued and Adopted Acc

Recently Issued and Adopted Accounting Pronouncements	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Recently Issued and Adopted Accounting Pronouncements	RECENTLY ISSUED ACCOUNTING PRONOUNCEMENTS Recently Issued In July 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update No. 2015-11, Inventory ("ASU 2015-11"), which simplifies the valuation of inventory by using the lower of cost or net realizable value. ASU 2015-11 will become effective for the Company on January 1, 2017 and early adoption is permitted. The guidance is to be applied on a prospective basis. The adoption of ASU 2015-11 is not expected to have a significant impact on the Company's financial position, results of operations or cash flows. In April 2015, the FASB issued Accounting Standards Update No. 2015-03, Interest - Imputation of Interest ("ASU 2015-03"), which requires that transaction costs related to the issuance of debt be deducted from the carrying value of the financial liability and not recorded as separate assets. ASU 2015-03 will become effective for the Company on January 1, 2016 and early adoption is permitted. The guidance is to be applied on a retrospective basis. Euronet has debt issuance costs which will be reclassified upon adoption of the guidance, but it is not expected to have a significant impact on the Company's financial position and it will have no impact upon the Company's results of operations or cash flows. In May 2014, the FASB issued Accounting Standards Update No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. ASU 2014-09 will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. In July 2015, the FASB approved a one-year deferral of the effective date of the new revenue recognition standard. The new standard will become effective for the Company on January 1, 2018 and the Company has the option to adopt it effective January 1, 2017. The standard permits the use of either the retrospective or cumulative effect transition method. The Company is evaluating the effect that ASU 2014-09 will have on its consolidated financial statements and related disclosures. The Company has not yet selected an adoption date, a transition method nor has it determined the effect of the standard on its ongoing financial reporting.

Stockholders' Equity

Stockholders' Equity	9 Months Ended
	Sep. 30, 2015
Stockholders' Equity Attributable to Parent [Abstract]
Stockholders' Equity	STOCKHOLDERS' EQUITY Earnings Per Share Basic earnings per share has been computed by dividing earnings available to common stockholders by the weighted average number of common shares outstanding during the respective period. Diluted earnings per share has been computed by dividing earnings available to common stockholders by the weighted average shares outstanding during the respective period, after adjusting for any potential dilution of options to purchase the Company's common stock, assumed vesting of restricted stock and the assumed conversion of the Company’s convertible debentures. The following table provides the computation of diluted weighted average number of common shares outstanding: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Computation of diluted weighted average shares outstanding: Basic weighted average shares outstanding 52,617,245 52,512,474 52,075,388 51,658,823 Incremental shares from assumed exercise of stock options and vesting of restricted stock 1,784,106 2,107,319 1,725,448 2,081,328 Incremental shares from assumed conversion of convertible notes 143,412 — 143,412 — Diluted weighted average shares outstanding 54,544,763 54,619,793 53,944,248 53,740,151 The table includes the impact of all stock options and restricted stock that are dilutive to the Company’s weighted average common shares outstanding during the three and nine months ended September 30, 2015 and 2014. The calculation of diluted earnings per share excludes stock options or shares of restricted stock that are anti-dilutive to the Company’s weighted average common shares outstanding of approximately 578,000 and 614,000 for the three and nine months ended September 30, 2015 , respectively, and approximately 693,000 and 695,000 for the three and nine months ended September 30, 2014 , respectively. During the nine months ended September 30, 2015 , the Company had convertible notes outstanding that, if converted, would have had a potentially dilutive effect on its common stock. At issuance, the Company stated its intent to settle any conversion of these notes by paying cash for the principal value and issuing common stock for any conversion value in excess of the principal value. As of September 30, 2015 , and currently, the Company maintains the intent and ability to settle any conversion as stated. Accordingly, the convertible notes would only have a dilutive effect if the market price per share of common stock exceeds the conversion price per share of common stock, which it did as of September 30, 2015. Therefore, according to Accounting Standards Codification ("ASC") Topic 260, Earnings per Share , these notes were dilutive to earnings per share for the three and nine months ended September 30, 2015 . See Note 7, Debt Obligations, for more information about the convertible notes. Accumulated Other Comprehensive Loss Accumulated other comprehensive loss consists entirely of foreign currency translation adjustments. The Company recorded foreign currency translation losses of $20.3 million and $55.3 million for the three and nine months ended September 30, 2015, respectively, and $61.6 million and $54.2 million for the three and nine months ended September 30, 2014 , respectively. During the three months ended September 30, 2015, the Company liquidated a small subsidiary which resulted in a $0.1 million reclassification of foreign currency translation losses into the consolidated statements of income for the three and nine months ended September 30, 2015. There were no reclassifications of foreign currency translation into the consolidated statements of income for the three and nine months ended September 30, 2014.

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2015
Business Acquisition [Line Items]
ACQUISITION	ACQUISITIONS XE Corporation On July 2, 2015, the Company completed the acquisition of all of the capital stock of XE Corporation and its subsidiaries ("XE") pursuant to a Share Purchase Agreement (the "XE Purchase Agreement") among the Company and the selling shareholders of XE (the "XE Sellers"). XE Corporation is a Canadian company which operates the XE.com and x-rates.com websites, providing currency-related data and international payments services. This acquisition provides Euronet an internationally recognized brand and a large Internet presence in which to offer its foreign currency products. Under the terms of the Purchase Agreement, the Sellers received purchase consideration (the "XE Purchase Consideration") of $79.9 million in cash, including working capital adjustments finalized in the third quarter of 2015, and 642,912 shares of Euronet common stock, with a fair value at date of acquisition of $40.1 million . Half of the common stock portion of the XE Purchase Consideration was placed in escrow at closing as security for the XE Sellers' indemnification and other obligations under the XE Purchase Agreement. Any XE Purchase Consideration remaining in escrow will be released to the XE Sellers two years following the closing date, net of any pending indemnification or other claims under the XE Purchase Agreement. The XE Purchase Consideration was allocated to the assets acquired and liabilities assumed, including identifiable intangible assets, based on their respective fair values at the date of acquisition. The valuation of the acquired net assets remains preliminary while management completes its valuation, particularly the valuation of acquired intangible assets. The intangible asset amounts are expected to be deductible for income tax purposes, but the goodwill amount is not. Pro-forma results of operations, assuming this acquisition was made at the beginning of the earliest period presented, have not been presented because the effect of this acquisition was not material to the Company's results of operations. The net assets of XE and its results of operations are included in the Money Transfer Segment's results. The following table summarizes the estimated fair values of the assets acquired and liabilities assumed as of the acquisition date. (in thousands) As of July 2, 2015 Cash and cash equivalents $ 1,872 Other current assets 1,294 Intangible assets 15,367 Other long-term assets 341 Deferred tax assets 9,636 Total assets acquired 28,510 Trade accounts payable (26 ) Accrued expenses and other current liabilities (11,824 ) Other long-term liabilities (571 ) Total liabilities assumed (12,421 ) Goodwill 103,887 Net assets acquired $ 119,976 The intangible assets of XE are being amortized on a straight-line basis, and the estimated fair values consist of the following: (in thousands) Fair Value Estimated Useful Life Proprietary software $ 2,011 5 years Customer relationships 9,414 8 years Trade names 3,654 20 years Non-compete agreements 288 3 years Total intangible assets $ 15,367 IME On June 17, 2015, the Company completed the acquisition of all of the capital stock of IME (M) Sdn Bhd and certain affiliated companies ("IME") pursuant to a Share Purchase Agreement (the "IME Purchase Agreement") among the Company and the selling shareholders of IME (the "IME Sellers"). IME is a leading Malaysian-based money transfer provider and provides the Money Transfer Segment with immediate entry into the Asian and Middle East send markets. Under the terms of the IME Purchase Agreement, the IME Sellers received purchase consideration (the "IME Purchase Consideration") of $76.7 million in cash, including working capital adjustments finalized in the third quarter of 2015, and 49,941 shares of Euronet common stock, with a fair value at date of acquisition of $3.0 million . A portion of the IME Purchase Consideration was placed in escrow at closing as security for the IME Sellers' indemnification and other obligations under the IME Purchase Agreement. Any IME Purchase Consideration remaining in escrow will be released to the IME Sellers at various defined dates over five years following the closing date, net of any pending indemnification or other claims under the IME Purchase Agreement. The IME Purchase Consideration was allocated to the assets acquired and liabilities assumed, including identifiable intangible assets, based on their respective fair values at the date of acquisition. The valuation of the acquired net assets remains preliminary while management completes its valuation, particularly the valuation of acquired intangible assets. None of the goodwill or intangible asset amounts are expected to be deductible for income tax purposes. Pro-forma results of operations, assuming this acquisition was made at the beginning of the earliest period presented, have not been presented because the effect of this acquisition was not material to the Company's results of operations. The net assets of IME and its results of operations are included in the Money Transfer Segment's results. The following table summarizes the estimated fair values of the assets acquired and liabilities assumed as of the acquisition date. (in thousands) As of June 17, 2015 Cash and cash equivalents $ 33,279 Other current assets 17,082 Intangible assets 35,130 Other long-term assets 5,234 Total assets acquired 90,725 Trade accounts payable (1,958 ) Accrued expenses and other current liabilities (1,548 ) Settlement obligations and customer deposits (27,700 ) Deferred tax liabilities (9,142 ) Other long-term liabilities (859 ) Total liabilities assumed (41,207 ) Goodwill 30,193 Net assets acquired $ 79,711 The intangible assets of IME are being amortized on a straight-line basis, and the estimated fair values consist of the following: (in thousands) Fair Value Estimated Useful Life Customer relationships $ 33,940 8 years Trade names 650 2 years Non-compete agreements 540 5 years Total intangible assets $ 35,130

Goodwill and Acquired Intangibl

Goodwill and Acquired Intangible Assets, Net	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND ACQUIRED INTANGIBLE ASSETS, NET	GOODWILL AND ACQUIRED INTANGIBLE ASSETS, NET A summary of acquired intangible assets and goodwill activity for the nine months ended September 30, 2015 is presented below: (in thousands) Acquired Intangible Assets Goodwill Total Intangible Assets Balance as of December 31, 2014 $ 158,267 $ 599,863 $ 758,130 Increases (Decreases): Acquisitions 50,497 134,080 184,577 Amortization (17,707 ) — (17,707 ) Other (primarily changes in foreign currency exchange rates) (17,083 ) (47,584 ) (64,667 ) Balance as of September 30, 2015 $ 173,974 $ 686,359 $ 860,333 Estimated amortization expense on intangible assets with finite lives, before income taxes, as of September 30, 2015 , is expected to total $6.1 million for the remainder of 2015, $24.3 million for 2016, $22.2 million for 2017, $20.0 million for 2018, $19.3 million for 2019 and $18.6 million for 2020. The Company’s annual goodwill impairment test is performed during the fourth quarter of its fiscal year. The annual impairment test for the year ended December 31, 2014 resulted in no impairment charge. Determining the fair value of reporting units requires significant management judgment in estimating future cash flows and assessing potential market and economic conditions. It is reasonably possible that the Company’s operations will not perform as expected, or that the estimates or assumptions included in the 2014 annual impairment test could change, which may result in the Company recording material non-cash impairment charges during the year in which these changes take place.

Accrued Expenses and Other Curr

Accrued Expenses and Other Current Liabilities	9 Months Ended
	Sep. 30, 2015
ACCRUED EXPENSES AND OTHER CURRENT LIABILITIES [Abstract]
Accrued Expenses and Other Current Liabilities	ACCRUED EXPENSES AND OTHER CURRENT LIABILITIES Accrued expenses and other current liabilities consist of the following: As of (in thousands) September 30, 2015 December 31, 2014 Accrued expenses $ 120,863 $ 97,115 Money transfer settlement obligations 167,056 137,285 Accrued amounts due to mobile operators and other content providers 72,475 64,839 Derivative liabilities 41,351 36,439 Deferred income taxes 1,215 683 Total $ 402,960 $ 336,361

Debt Obligations

Debt Obligations	9 Months Ended
	Sep. 30, 2015
DEBT OBLIGATIONS [Abstract]
DEBT OBLIGATIONS	DEBT OBLIGATIONS A summary of debt obligation activity for the nine months ended September 30, 2015 is presented below: (in thousands) Revolving Other Debt Capital 1.5% Term Loan A Total Balance as of December 31, 2014 $ 5,316 $ 6,035 $ 4,364 $ 337,986 $ 72,187 $ 425,888 Increases (decreases): Net borrowings (repayments) 32,572 1,080 1,611 — (3,750 ) 31,513 Accretion — — — 7,371 — 7,371 Capital lease interest — — 265 — — 265 Foreign currency exchange loss (gain) 3,498 (674 ) (330 ) — — 2,494 Balance as of September 30, 2015 41,386 6,441 5,910 345,357 68,437 467,531 Less — current maturities — (5,740 ) (1,905 ) — (6,563 ) (14,208 ) Long-term obligations as of September 30, 2015 $ 41,386 $ 701 $ 4,005 $ 345,357 $ 61,874 $ 453,323 Credit Facility As of September 30, 2015 , the Company had a $675 million senior secured credit facility (the "Credit Facility") consisting of a $600 million revolving credit facility and a $75 million term loan ("Term Loan A"), which had been reduced to $68.4 million through principal amortization payments. The Credit Facility expires April 9, 2019 . Interest on borrowings under the revolving credit facility and Term Loan A varies based upon the Company's consolidated total leverage ratio, as defined in the Company's credit agreement, and during the third quarter of 2015 was based on a margin over the London Inter-Bank Offered Rate (“LIBOR”) rate or a margin over a base rate, as selected by the Company, with the applicable margin ranging from 1.375% to 2.375% for LIBOR loans or 0.375% to 1.375% for base rate loans. Accordingly, the weighted average interest rate for borrowings outstanding under the Company's revolving credit facility and Term Loan A was 3.23% and 1.57% , respectively, as of September 30, 2015 , excluding amortization of deferred financing costs. Convertible Debt On October 30, 2014, the Company completed the sale of $402.5 million of Convertible Senior Notes due 2044 (“Convertible Notes”). The Convertible Notes have an interest rate of 1.5% per annum payable semi-annually in April and October, and are convertible into shares of Euronet Common Stock at a conversion price of approximately $72.18 per share if certain conditions are met (relating to the closing prices of Euronet Common Stock exceeding certain thresholds for specified periods). Holders of the Convertible Notes have the option to require the Company to purchase their notes at par on October 1, 2020, and have additional options to require the Company to purchase their notes at par on October 1, 2024, 2029, 2034, and 2039, or upon a change in control of the Company. In connection with the issuance of the Convertible Notes, the Company recorded $10.7 million in debt issuance costs, which are being amortized through October 1, 2020. In accordance with ASC 470-20-30-27, proceeds from the issuance of convertible debt are allocated between debt and equity components so that debt is discounted to reflect the Company's nonconvertible debt borrowing rate. ASC 470-20-35-13 requires the debt discount to be amortized over the period the convertible debt is expected to be outstanding as additional non-cash interest expense. The allocation resulted in an increase to additional paid in capital of $66.1 million . Contractual interest expense was $1.5 million and $4.5 million for the three and nine months ended September 30, 2015 . Accretion expense was $2.5 million and $7.4 million for the three and nine months ended September 30, 2015 . The effective interest rate was 4.7% for the three and nine months ended September 30, 2015 . As of September 30, 2015 , the unamortized discount was $57.1 million , and will be amortized through October 1, 2020.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	9 Months Ended
	Sep. 30, 2015
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES The Company is exposed to foreign currency exchange risk resulting from (i) the collection of funds or the settlement of money transfer transactions in currencies other than the U.S. Dollar, (ii) derivative contracts written to its customers in connection with providing cross-currency money transfer services and (iii) short-term borrowings that are payable in currencies other than the U.S dollar. The Company enters into foreign currency derivative contracts, primarily foreign currency forwards and cross-currency swaps, to minimize its exposure related to fluctuations in foreign currency exchange rates. As a matter of Company policy, the derivative instruments used in these activities are economic hedges and are not designated as hedges under ASC Topic 815, Derivatives and Hedging, primarily due to either the relatively short duration of the contract term or the effects of fluctuations in currency exchange rates are reflected concurrently in earnings for both the derivative instrument and the transaction and have an offsetting effect. Foreign currency exchange contracts - Ria Operations In the United States, the Company uses short-duration foreign currency forward contracts, generally with maturities up to 14 days , to offset the fluctuation in foreign currency exchange rates on the collection of money transfer funds between initiation of a transaction and its settlement. Due to the short duration of these contracts and the Company’s credit profile, the Company is generally not required to post collateral with respect to these foreign currency forward contracts. Most derivative contracts executed with counterparties in the U.S. are governed by an International Swaps and Derivatives Association agreement that includes standard netting arrangements; therefore, asset and liability positions from forward contracts and all other foreign exchange transactions with the same counterparty are net settled upon maturity. As of September 30, 2015 , the Company had foreign currency forward contracts outstanding in the U.S. with a notional value of $188 million , primarily in Australian dollars, Canadian dollars, British pounds, euros and Mexican pesos. Foreign currency exchange contracts - HiFX Operations HiFX writes derivative instruments, primarily foreign currency forward contracts and cross-currency swaps, mostly with counterparties comprised of individuals and small-to-medium size businesses and derives a currency margin from this activity as part of its operations. HiFX aggregates its foreign currency exposures arising from customer contracts and hedges the resulting net currency risks by entering into offsetting contracts with established financial institution counterparties. Foreign exchange revenues from HiFX's total portfolio of positions were $15.5 million and $47.1 million for the three and nine months ended September 30, 2015 , respectively, and $15.9 million and $23.0 million for the three and nine months ended September 30, 2014 , respectively. All of the derivative contracts used in the Company's HiFX operations are economic hedges and are not designated as hedges under ASC Topic 815 . The duration of these derivative contracts is generally less than one year. The fair value of HiFX's total portfolio of positions can change significantly from period to period based on, among other factors, market movements and changes in customer contract positions. HiFX manages counterparty credit risk (the risk that counterparties will default and not make payments according to the terms of the agreements) on an individual counterparty basis. It mitigates this risk by entering into contracts with collateral posting requirements and/or by performing financial assessments prior to contract execution, conducting periodic evaluations of counterparty performance and maintaining a diverse portfolio of qualified counterparties. HiFX does not expect any significant losses from counterparty defaults. The aggregate equivalent U.S. dollar notional amounts of foreign currency derivative customer contracts held by the Company in its HiFX operations as of September 30, 2015 was approximately $849 million . The majority of customer contracts are written in major currencies such as the euro, Canadian dollar, British pound, and Australian dollar. Balance Sheet Presentation The following table summarizes the fair value of the derivative instruments as recorded in the Consolidated Balance Sheets as of the dates below: Asset Derivatives Liability Derivatives Fair Value Fair Value (in thousands) Balance Sheet Location September 30, 2015 December 31, 2014 Balance Sheet Location September 30, 2015 December 31, 2014 Derivatives not designated as hedging instruments Foreign currency exchange contracts Other current assets $ 48,094 $ 41,151 Other current liabilities $ (41,351 ) $ (36,439 ) The following tables summarize the gross and net fair value of derivative assets and liabilities as of September 30, 2015 and December 31, 2014 (in thousands): Offsetting of Derivative Assets Gross Amounts Not Offset in the Consolidated Balance Sheet As of September 30, 2015 Gross Amounts of Recognized Assets Gross Amounts Offset in the Consolidated Balance Sheet Net Amounts Presented in the Consolidated Balance Sheet Financial Instruments Cash Collateral Received Net Amounts Derivatives subject to a master netting arrangement or similar agreement $ 48,094 $ — $ 48,094 $ (31,838 ) $ (4,866 ) $ 11,390 As of December 31, 2014 Derivatives subject to a master netting arrangement or similar agreement $ 41,151 $ — $ 41,151 $ (28,113 ) $ (5,279 ) $ 7,759 Offsetting of Derivative Liabilities Gross Amounts Not Offset in the Consolidated Balance Sheet As of September 30, 2015 Gross Amounts of Recognized Liabilities Gross Amounts Offset in the Consolidated Balance Sheet Net Amounts Presented in the Consolidated Balance Sheet Financial Instruments Cash Collateral Paid Net Amounts Derivatives subject to a master netting arrangement or similar agreement $ (41,351 ) $ — $ (41,351 ) $ 31,838 $ 671 $ (8,842 ) As of December 31, 2014 Derivatives subject to a master netting arrangement or similar agreement $ (36,439 ) $ — $ (36,439 ) $ 28,113 $ 176 $ (8,150 ) Income Statement Presentation The following tables summarize the location and amount of gains and losses of derivatives in the Consolidated Statements of Income for the three and nine months ended September 30, 2015 and 2014 : Amount of Loss Recognized in Income on Derivative Contracts (a) Location of Gain (Loss) Recognized in Income on Derivative Contracts Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Foreign currency exchange contracts - Ria Operations Foreign currency exchange loss, net $ 1,025 $ 1,501 $ 991 $ 348 (a) The Company enters into derivative contracts such as foreign currency exchange forwards and cross-currency swaps as part of its HiFX operations. These derivative contracts are excluded from this table as they are part of the broader disclosure of foreign currency exchange revenues for this business discussed above. See Note 9, Fair Value Measurements, for the determination of the fair values of derivatives.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	FAIR VALUE MEASUREMENTS Fair value measurements used in the unaudited consolidated financial statements are based upon the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy distinguishes between (1) market participant assumptions developed based on market data obtained from independent sources (observable inputs) and (2) an entity’s own assumptions about market participant assumptions developed based on the best information available in the circumstances (unobservable inputs). The fair value hierarchy consists of three broad levels, which gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The three levels of the fair value hierarchy are described below: • Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities. • Level 2 – Valuations based on quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable data for substantially the full term of the assets or liabilities. • Level 3 – Unobservable inputs in which little or no market activity exists, therefore requiring an entity to develop its own assumptions about the inputs that market participants would use in pricing. The following table details financial assets and liabilities measured and recorded at fair value on a recurring basis: As of September 30, 2015 (in thousands) Balance Sheet Classification Level 1 Level 2 Level 3 Total Assets Foreign currency exchange contracts Other current assets $ — $ 48,094 $ — $ 48,094 Liabilities Foreign currency exchange contracts Other current liabilities $ — $ (41,351 ) $ — $ (41,351 ) As of December 31, 2014 (in thousands) Balance Sheet Classification Level 1 Level 2 Level 3 Total Assets Foreign currency exchange contracts Other current assets $ — $ 41,151 $ — $ 41,151 Liabilities Foreign currency exchange contracts Other current liabilities $ — $ (36,439 ) $ — $ (36,439 ) Other Fair Value Disclosures The carrying amounts of cash and cash equivalents, accounts receivable, trade accounts payable, accrued expenses and other current obligations approximate their fair values because of the relatively short-term maturities of these financial instruments. The carrying values of the Company’s long-term debt (other than the Convertible Notes), including the current portion, approximate fair value because interest is primarily based on LIBOR, which resets at various intervals of less than one year. The Company estimates the fair value of the Convertible Notes using quoted prices in inactive markets for identical liabilities (Level 2). As of September 30, 2015 and December 31, 2014, the fair values of the Convertible Notes were $495.2 million and $408.0 million , respectively, with carrying values of $345.4 million and $338.0 million , respectively.

Segment Information

Segment Information	9 Months Ended
	Sep. 30, 2015
Segment Information [Abstract]
SEGMENT INFORMATION	SEGMENT INFORMATION The Company’s reportable operating segments have been determined in accordance with ASC Topic 280, Segment Reporting. The Company currently operates in the following three reportable operating segments: 1) Through the EFT Processing Segment, the Company processes transactions for a network of ATMs and POS terminals across Europe, the Middle East and Asia Pacific. The Company provides comprehensive electronic payment solutions consisting of ATM cash withdrawal services, ATM network participation, outsourced ATM and POS management solutions, credit and debit card outsourcing, dynamic currency conversion and other value added services. Through this segment, the Company also offers a suite of integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. 2) Through the epay Segment, the Company provides distribution, processing and collection services for prepaid mobile airtime and other electronic payment products in Europe, the Middle East, Asia Pacific, the United States and South America. 3) Through the Money Transfer Segment, the Company provides global money transfer services under the brand names Ria, HiFX, IME and XE. Ria and IME provide global consumer-to-consumer money transfer services through a network of sending agents, Company-owned stores and Company-owned websites, disbursing money transfers through a worldwide correspondent network. HiFX offers account-to-account international payment services to high-income individuals and small-to-medium sized businesses. XE is a provider of foreign currency exchange information and offers money transfers on its currency data websites, which are executed by a third party. The Company also offers customers bill payment services, payment alternatives such as money orders and prepaid debit cards, comprehensive check cashing services, foreign currency exchange services and mobile top-up. The Company provides cash management solutions and foreign currency risk management services to small-to-medium sized businesses under the brand name HiFM. In addition, the Company accounts for non-operating activity, most share-based compensation expense, certain intersegment eliminations and the costs of providing corporate and other administrative services in its administrative division, “Corporate Services, Eliminations and Other.” These services are not directly identifiable with the Company’s reportable operating segments. The following tables present the Company’s reportable segment results for the three and nine months ended September 30, 2015 and 2014 : For the Three Months Ended September 30, 2015 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 118,895 $ 174,547 $ 188,232 $ (301 ) $ 481,373 Operating expenses: Direct operating costs 51,550 133,124 97,928 (289 ) 282,313 Salaries and benefits 11,862 12,745 36,187 6,276 67,070 Selling, general and administrative 7,052 11,411 23,356 1,904 43,723 Depreciation and amortization 8,115 2,660 7,011 207 17,993 Total operating expenses 78,579 159,940 164,482 8,098 411,099 Operating income (expense) $ 40,316 $ 14,607 $ 23,750 $ (8,399 ) $ 70,274 For the Three Months Ended September 30, 2014 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 107,503 $ 195,086 $ 151,250 $ (417 ) $ 453,422 Operating expenses: Direct operating costs 46,612 153,121 75,455 (374 ) 274,814 Salaries and benefits 12,155 14,356 32,219 5,857 64,587 Selling, general and administrative 6,516 11,160 23,747 2,545 43,968 Depreciation and amortization 8,010 3,998 7,246 67 19,321 Total operating expenses 73,293 182,635 138,667 8,095 402,690 Operating income (expense) $ 34,210 $ 12,451 $ 12,583 $ (8,512 ) $ 50,732 For the Nine Months Ended September 30, 2015 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 286,650 $ 517,296 $ 498,689 $ (952 ) $ 1,301,683 Operating expenses: Direct operating costs 135,754 396,860 260,008 (873 ) 791,749 Salaries and benefits 34,466 37,172 100,581 19,939 192,158 Selling, general and administrative 19,432 28,439 63,089 5,413 116,373 Depreciation and amortization 23,274 8,465 19,703 344 51,786 Total operating expenses 212,926 470,936 443,381 24,823 1,152,066 Operating income (expense) $ 73,724 $ 46,360 $ 55,308 $ (25,775 ) $ 149,617 For the Nine Months Ended September 30, 2014 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 271,580 $ 562,129 $ 369,568 $ (1,078 ) $ 1,202,199 Operating expenses: Direct operating costs 125,773 434,984 183,985 (953 ) 743,789 Salaries and benefits 35,127 41,856 83,472 18,074 178,529 Selling, general and administrative 19,167 31,433 57,438 9,782 117,820 Depreciation and amortization 22,951 12,323 17,337 208 52,819 Total operating expenses 203,018 520,596 342,232 27,111 1,092,957 Operating income (expense) $ 68,562 $ 41,533 $ 27,336 $ (28,189 ) $ 109,242 The following table presents the Company’s property and equipment and total assets by reportable segment: Property and Equipment, net as of Total Assets as of (in thousands) September 30, 2015 December 31, 2014 September 30, 2015 December 31, 2014 EFT Processing $ 94,614 $ 72,749 $ 540,879 $ 390,398 epay 23,310 24,859 565,516 754,448 Money Transfer 31,432 27,528 1,033,915 837,360 Corporate Services, Eliminations and Other 150 171 25,435 69,353 Total $ 149,506 $ 125,307 $ 2,165,745 $ 2,051,559

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2015
INCOME TAXES [Abstract]
INCOME TAXES	INCOME TAXES The Company's effective income tax rates were 34.8% and 26.9% for the three months ended September 30, 2015 and 2014, respectively, and 34.4% and 27.7% for the nine months ended September 30, 2015 and 2014, respectively. The Company's effective income tax rates for the three and nine months ended September 30, 2015 and 2014 were lower than the applicable statutory income tax rate of 35% primarily because of the Company's U.S. income tax positions. The Company does not have a history of significant taxable income in the U.S.; therefore, the Company has recorded a valuation allowance against its U.S. federal tax net operating loss carryforwards. Accordingly, in instances when the Company's U.S. legal entities generate pre-tax U.S. GAAP income, no income tax expense is recognized to the extent there are net operating loss carryforwards to offset pre-tax U.S. GAAP income. Additionally, the effective income tax rates for the three and nine months ended September 30, 2015 were significantly influenced by foreign currency exchange losses, most of which are not currently deductible for income tax purposes, resulting in a higher effective income tax rate when compared to the same periods of 2014.

Commitments

Commitments	9 Months Ended
	Sep. 30, 2015
Other Commitments [Line Items]
Commitments	COMMITMENTS As of September 30, 2015 , the Company had $68.2 million of stand-by letters of credit/bank guarantees issued on its behalf, of which $42.7 million are outstanding under the revolving credit facility. The remaining stand-by letters of credit/bank guarantees are collateralized by $3.1 million of cash deposits held by the respective issuing banks. Under certain circumstances, Euronet grants guarantees in support of obligations of subsidiaries. As of September 30, 2015 , the Company had granted off balance sheet guarantees for cash in various ATM networks amounting to $15.0 million over the terms of the cash supply agreements and performance guarantees amounting to approximately $24.3 million over the terms of agreements with the customers. Once each of Euronet's subsidiaries reaches a certain size, it is required under the Credit Facility to provide a guarantee of all or a portion of the outstanding obligations under the Credit Facility depending upon whether the subsidiary is a domestic or foreign entity. From time to time, the Company enters into agreements with commercial counterparties that contain indemnification provisions, the terms of which may vary depending on the negotiated terms of each respective agreement. The amount of such potential obligations is generally not stated in the agreements. Euronet's liability under such indemnification provisions may be mitigated by relevant insurance coverage and may be subject to time and materiality limitations, monetary caps and other conditions and defenses. Such indemnification obligations include the following: • In connection with contracts with financial institutions in the EFT Processing Segment, the Company is responsible for damage to ATMs and theft of ATM network cash that is not recorded on the Company’s Consolidated Balance Sheets. As of September 30, 2015 , the balance of ATM network cash for which the Company was responsible was approximately $450 million . The Company maintains insurance policies to mitigate this exposure; • In connection with contracts with financial institutions in the EFT Processing Segment, the Company is responsible for losses suffered by its customers and other parties as a result of the breach of its computer systems, including in particular, losses arising from fraudulent transactions made using information stolen through its processing systems. The Company maintains insurance policies to mitigate this exposure; • In connection with the license of proprietary systems to customers, the Company provides certain warranties and infringement indemnities to the licensee, which generally warrant that such systems do not infringe on intellectual property owned by third parties and that the systems will perform in accordance with their specifications; • Euronet has entered into purchase and service agreements with vendors and consulting agreements with providers of consulting services, pursuant to which the Company has agreed to indemnify certain of such vendors and consultants, respectively, against third-party claims arising from the Company’s use of the vendor’s product or the services of the vendor or consultant; • In connection with acquisitions and dispositions of subsidiaries, operating units and business assets, the Company has entered into agreements containing indemnification provisions, which can be generally described as follows: (i) in connection with acquisitions of operating units or assets made by Euronet, the Company has agreed to indemnify the seller against third-party claims made against the seller relating to the operating unit or asset and arising after the closing of the transaction, and (ii) in connection with dispositions made by Euronet, Euronet has agreed to indemnify the buyer against damages incurred by the buyer due to the buyer’s reliance on representations and warranties relating to the subject subsidiary, operating unit or business assets in the disposition agreement if such representations or warranties were untrue when made; and • Euronet has entered into agreements with certain third parties, including banks that provide fiduciary and other services to Euronet or to the Company’s benefit plans. Under such agreements, the Company has agreed to indemnify such service providers for third-party claims relating to carrying out their respective duties under such agreements. The Company is also required to meet minimum capitalization and cash requirements of various regulatory authorities in the jurisdictions in which the Company has money transfer operations. The Company has obtained surety bonds in compliance with money transfer licensing requirements of the applicable governmental authorities. To date, the Company is not aware of any significant claims made by the indemnified parties or third parties to guarantee agreements with the Company and, accordingly, no liabilities were recorded as of September 30, 2015 or December 31, 2014 .

Litigation and Contingencies

Litigation and Contingencies	9 Months Ended
	Sep. 30, 2015
Loss Contingencies [Line Items]
Litigation and Contingencies	LITIGATION AND CONTINGENCIES Contingencies Unclaimed property compliance - In September 2013, the Company entered into a voluntary disclosure agreement with the Secretary of State of the State of Delaware to determine compliance with Delaware unclaimed property laws. Types of property under examination include, but are not limited to, certain unmatched receipts from money transfer agents, payroll checks, accounts payable checks and accounts receivable credits for the period 1996 through 2007. In June 2015, the Company reached an agreement with the State of Delaware regarding unclaimed property for this period and through periods ending in 2009 and remitted an amount which was not material to the Company's consolidated financial condition or results of operations. Legal Proceedings From time to time, the Company is a party to legal or regulatory proceedings arising in the ordinary course of its business. Currently, there are no legal proceeding or regulatory findings that management believes, either individually or in the aggregate, would have a material adverse effect on the Company's consolidated financial condition or results of operations. In accordance with U.S. GAAP, the Company records a liability when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. These provisions are reviewed at least quarterly and adjusted to reflect the impacts of negotiations, settlements, rulings, advice of legal counsel, and other information and events pertaining to a particular case.

Recent Accounting Pronouncement

Recent Accounting Pronouncements (Policies)	9 Months Ended
	Sep. 30, 2015
Summary of Significant Accounting Policies and Practices [Abstract]
Recently Issued and Adopted Accounting Pronouncements	Recently Issued In July 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update No. 2015-11, Inventory ("ASU 2015-11"), which simplifies the valuation of inventory by using the lower of cost or net realizable value. ASU 2015-11 will become effective for the Company on January 1, 2017 and early adoption is permitted. The guidance is to be applied on a prospective basis. The adoption of ASU 2015-11 is not expected to have a significant impact on the Company's financial position, results of operations or cash flows. In April 2015, the FASB issued Accounting Standards Update No. 2015-03, Interest - Imputation of Interest ("ASU 2015-03"), which requires that transaction costs related to the issuance of debt be deducted from the carrying value of the financial liability and not recorded as separate assets. ASU 2015-03 will become effective for the Company on January 1, 2016 and early adoption is permitted. The guidance is to be applied on a retrospective basis. Euronet has debt issuance costs which will be reclassified upon adoption of the guidance, but it is not expected to have a significant impact on the Company's financial position and it will have no impact upon the Company's results of operations or cash flows. In May 2014, the FASB issued Accounting Standards Update No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. ASU 2014-09 will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. In July 2015, the FASB approved a one-year deferral of the effective date of the new revenue recognition standard. The new standard will become effective for the Company on January 1, 2018 and the Company has the option to adopt it effective January 1, 2017. The standard permits the use of either the retrospective or cumulative effect transition method. The Company is evaluating the effect that ASU 2014-09 will have on its consolidated financial statements and related disclosures. The Company has not yet selected an adoption date, a transition method nor has it determined the effect of the standard on its ongoing financial reporting.

Stocholders' Equity (Tables)

Stocholders' Equity (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Schedule of Weighted Average Number of Shares [Table Text Block]	The following table provides the computation of diluted weighted average number of common shares outstanding: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Computation of diluted weighted average shares outstanding: Basic weighted average shares outstanding 52,617,245 52,512,474 52,075,388 51,658,823 Incremental shares from assumed exercise of stock options and vesting of restricted stock 1,784,106 2,107,319 1,725,448 2,081,328 Incremental shares from assumed conversion of convertible notes 143,412 — 143,412 — Diluted weighted average shares outstanding 54,544,763 54,619,793 53,944,248 53,740,151

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Sep. 30, 2015
XE [Member]
Business Acquisition [Line Items]
Schedule of Business Acquisitions, by Acquisition [Table Text Block]	The following table summarizes the estimated fair values of the assets acquired and liabilities assumed as of the acquisition date. (in thousands) As of July 2, 2015 Cash and cash equivalents $ 1,872 Other current assets 1,294 Intangible assets 15,367 Other long-term assets 341 Deferred tax assets 9,636 Total assets acquired 28,510 Trade accounts payable (26 ) Accrued expenses and other current liabilities (11,824 ) Other long-term liabilities (571 ) Total liabilities assumed (12,421 ) Goodwill 103,887 Net assets acquired $ 119,976
Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]	The intangible assets of XE are being amortized on a straight-line basis, and the estimated fair values consist of the following: (in thousands) Fair Value Estimated Useful Life Proprietary software $ 2,011 5 years Customer relationships 9,414 8 years Trade names 3,654 20 years Non-compete agreements 288 3 years Total intangible assets $ 15,367
IME [Member]
Business Acquisition [Line Items]
Schedule of Business Acquisitions, by Acquisition [Table Text Block]	The following table summarizes the estimated fair values of the assets acquired and liabilities assumed as of the acquisition date. (in thousands) As of June 17, 2015 Cash and cash equivalents $ 33,279 Other current assets 17,082 Intangible assets 35,130 Other long-term assets 5,234 Total assets acquired 90,725 Trade accounts payable (1,958 ) Accrued expenses and other current liabilities (1,548 ) Settlement obligations and customer deposits (27,700 ) Deferred tax liabilities (9,142 ) Other long-term liabilities (859 ) Total liabilities assumed (41,207 ) Goodwill 30,193 Net assets acquired $ 79,711
Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]	The intangible assets of IME are being amortized on a straight-line basis, and the estimated fair values consist of the following: (in thousands) Fair Value Estimated Useful Life Customer relationships $ 33,940 8 years Trade names 650 2 years Non-compete agreements 540 5 years Total intangible assets $ 35,130

Goodwill and Acquired Intangi23

Goodwill and Acquired Intangible Assets, Net (Tables)	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets and Goodwill [Table Text Block]	A summary of acquired intangible assets and goodwill activity for the nine months ended September 30, 2015 is presented below: (in thousands) Acquired Intangible Assets Goodwill Total Intangible Assets Balance as of December 31, 2014 $ 158,267 $ 599,863 $ 758,130 Increases (Decreases): Acquisitions 50,497 134,080 184,577 Amortization (17,707 ) — (17,707 ) Other (primarily changes in foreign currency exchange rates) (17,083 ) (47,584 ) (64,667 ) Balance as of September 30, 2015 $ 173,974 $ 686,359 $ 860,333

Accrued Expenses and Other Cu24

Accrued Expenses and Other Current Liabilities (Tables)	9 Months Ended
	Sep. 30, 2015
ACCRUED EXPENSES AND OTHER CURRENT LIABILITIES [Abstract]
Schedule of Accrued Expenses and Other Current Liabilities [Table Text Block]	Accrued expenses and other current liabilities consist of the following: As of (in thousands) September 30, 2015 December 31, 2014 Accrued expenses $ 120,863 $ 97,115 Money transfer settlement obligations 167,056 137,285 Accrued amounts due to mobile operators and other content providers 72,475 64,839 Derivative liabilities 41,351 36,439 Deferred income taxes 1,215 683 Total $ 402,960 $ 336,361

Debt Obligations (Tables)

Debt Obligations (Tables)	9 Months Ended
	Sep. 30, 2015
DEBT OBLIGATIONS [Abstract]
Schedule of Debt [Table Text Block]	A summary of debt obligation activity for the nine months ended September 30, 2015 is presented below: (in thousands) Revolving Other Debt Capital 1.5% Term Loan A Total Balance as of December 31, 2014 $ 5,316 $ 6,035 $ 4,364 $ 337,986 $ 72,187 $ 425,888 Increases (decreases): Net borrowings (repayments) 32,572 1,080 1,611 — (3,750 ) 31,513 Accretion — — — 7,371 — 7,371 Capital lease interest — — 265 — — 265 Foreign currency exchange loss (gain) 3,498 (674 ) (330 ) — — 2,494 Balance as of September 30, 2015 41,386 6,441 5,910 345,357 68,437 467,531 Less — current maturities — (5,740 ) (1,905 ) — (6,563 ) (14,208 ) Long-term obligations as of September 30, 2015 $ 41,386 $ 701 $ 4,005 $ 345,357 $ 61,874 $ 453,323

Derivative Instruments and He26

Derivative Instruments and Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2015
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	The following table summarizes the fair value of the derivative instruments as recorded in the Consolidated Balance Sheets as of the dates below: Asset Derivatives Liability Derivatives Fair Value Fair Value (in thousands) Balance Sheet Location September 30, 2015 December 31, 2014 Balance Sheet Location September 30, 2015 December 31, 2014 Derivatives not designated as hedging instruments Foreign currency exchange contracts Other current assets $ 48,094 $ 41,151 Other current liabilities $ (41,351 ) $ (36,439 )
Offsetting Assets and Liabilities [Table Text Block]	The following tables summarize the gross and net fair value of derivative assets and liabilities as of September 30, 2015 and December 31, 2014 (in thousands): Offsetting of Derivative Assets Gross Amounts Not Offset in the Consolidated Balance Sheet As of September 30, 2015 Gross Amounts of Recognized Assets Gross Amounts Offset in the Consolidated Balance Sheet Net Amounts Presented in the Consolidated Balance Sheet Financial Instruments Cash Collateral Received Net Amounts Derivatives subject to a master netting arrangement or similar agreement $ 48,094 $ — $ 48,094 $ (31,838 ) $ (4,866 ) $ 11,390 As of December 31, 2014 Derivatives subject to a master netting arrangement or similar agreement $ 41,151 $ — $ 41,151 $ (28,113 ) $ (5,279 ) $ 7,759 Offsetting of Derivative Liabilities Gross Amounts Not Offset in the Consolidated Balance Sheet As of September 30, 2015 Gross Amounts of Recognized Liabilities Gross Amounts Offset in the Consolidated Balance Sheet Net Amounts Presented in the Consolidated Balance Sheet Financial Instruments Cash Collateral Paid Net Amounts Derivatives subject to a master netting arrangement or similar agreement $ (41,351 ) $ — $ (41,351 ) $ 31,838 $ 671 $ (8,842 ) As of December 31, 2014 Derivatives subject to a master netting arrangement or similar agreement $ (36,439 ) $ — $ (36,439 ) $ 28,113 $ 176 $ (8,150 )
Schedule of Other Derivatives Not Designated as Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]	The following tables summarize the location and amount of gains and losses of derivatives in the Consolidated Statements of Income for the three and nine months ended September 30, 2015 and 2014 : Amount of Loss Recognized in Income on Derivative Contracts (a) Location of Gain (Loss) Recognized in Income on Derivative Contracts Three Months Ended Nine Months Ended (in thousands) 2015 2014 2015 2014 Foreign currency exchange contracts - Ria Operations Foreign currency exchange loss, net $ 1,025 $ 1,501 $ 991 $ 348 (a) The Company enters into derivative contracts such as foreign currency exchange forwards and cross-currency swaps as part of its HiFX operations. These derivative contracts are excluded from this table as they are part of the broader disclosure of foreign currency exchange revenues for this business discussed above.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	The following table details financial assets and liabilities measured and recorded at fair value on a recurring basis: As of September 30, 2015 (in thousands) Balance Sheet Classification Level 1 Level 2 Level 3 Total Assets Foreign currency exchange contracts Other current assets $ — $ 48,094 $ — $ 48,094 Liabilities Foreign currency exchange contracts Other current liabilities $ — $ (41,351 ) $ — $ (41,351 ) As of December 31, 2014 (in thousands) Balance Sheet Classification Level 1 Level 2 Level 3 Total Assets Foreign currency exchange contracts Other current assets $ — $ 41,151 $ — $ 41,151 Liabilities Foreign currency exchange contracts Other current liabilities $ — $ (36,439 ) $ — $ (36,439 )

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 30, 2015
Segment Information [Abstract]
Schedule of Segment Reporting Information, by Segment [Table Text Block]	The following tables present the Company’s reportable segment results for the three and nine months ended September 30, 2015 and 2014 : For the Three Months Ended September 30, 2015 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 118,895 $ 174,547 $ 188,232 $ (301 ) $ 481,373 Operating expenses: Direct operating costs 51,550 133,124 97,928 (289 ) 282,313 Salaries and benefits 11,862 12,745 36,187 6,276 67,070 Selling, general and administrative 7,052 11,411 23,356 1,904 43,723 Depreciation and amortization 8,115 2,660 7,011 207 17,993 Total operating expenses 78,579 159,940 164,482 8,098 411,099 Operating income (expense) $ 40,316 $ 14,607 $ 23,750 $ (8,399 ) $ 70,274 For the Three Months Ended September 30, 2014 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 107,503 $ 195,086 $ 151,250 $ (417 ) $ 453,422 Operating expenses: Direct operating costs 46,612 153,121 75,455 (374 ) 274,814 Salaries and benefits 12,155 14,356 32,219 5,857 64,587 Selling, general and administrative 6,516 11,160 23,747 2,545 43,968 Depreciation and amortization 8,010 3,998 7,246 67 19,321 Total operating expenses 73,293 182,635 138,667 8,095 402,690 Operating income (expense) $ 34,210 $ 12,451 $ 12,583 $ (8,512 ) $ 50,732 For the Nine Months Ended September 30, 2015 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 286,650 $ 517,296 $ 498,689 $ (952 ) $ 1,301,683 Operating expenses: Direct operating costs 135,754 396,860 260,008 (873 ) 791,749 Salaries and benefits 34,466 37,172 100,581 19,939 192,158 Selling, general and administrative 19,432 28,439 63,089 5,413 116,373 Depreciation and amortization 23,274 8,465 19,703 344 51,786 Total operating expenses 212,926 470,936 443,381 24,823 1,152,066 Operating income (expense) $ 73,724 $ 46,360 $ 55,308 $ (25,775 ) $ 149,617 For the Nine Months Ended September 30, 2014 (in thousands) EFT Processing epay Money Transfer Corporate Services, Eliminations and Other Consolidated Total revenues $ 271,580 $ 562,129 $ 369,568 $ (1,078 ) $ 1,202,199 Operating expenses: Direct operating costs 125,773 434,984 183,985 (953 ) 743,789 Salaries and benefits 35,127 41,856 83,472 18,074 178,529 Selling, general and administrative 19,167 31,433 57,438 9,782 117,820 Depreciation and amortization 22,951 12,323 17,337 208 52,819 Total operating expenses 203,018 520,596 342,232 27,111 1,092,957 Operating income (expense) $ 68,562 $ 41,533 $ 27,336 $ (28,189 ) $ 109,242 The following table presents the Company’s property and equipment and total assets by reportable segment: Property and Equipment, net as of Total Assets as of (in thousands) September 30, 2015 December 31, 2014 September 30, 2015 December 31, 2014 EFT Processing $ 94,614 $ 72,749 $ 540,879 $ 390,398 epay 23,310 24,859 565,516 754,448 Money Transfer 31,432 27,528 1,033,915 837,360 Corporate Services, Eliminations and Other 150 171 25,435 69,353 Total $ 149,506 $ 125,307 $ 2,165,745 $ 2,051,559

Stockholders' Equity (Narrative

Stockholders' Equity (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Stockholders' Equity [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	578,000	693,000	614,000	695,000
Translation adjustment	$ (20,325)	$ (61,557)	$ (55,265)	$ (54,221)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Reclassification Adjustment from AOCI, Realized upon Sale or Liquidation, Net of Tax	$ (100)		$ (100)

Stockholders' Equity Earnings P

Stockholders' Equity Earnings Per Share (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share [Abstract]
Weighted average number of shares outstanding - basic	52,617,245	52,512,474	52,075,388	51,658,823
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	1,784,106	2,107,319	1,725,448	2,081,328
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Debt Securities	143,412	0	143,412	0
Weighted Average Number of Shares Outstanding, Diluted	54,544,763	54,619,793	53,944,248	53,740,151

Acquisitions (Details)

Acquisitions (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Jul. 02, 2015	Jun. 17, 2015	Dec. 31, 2014
Business Acquisition [Line Items]
Goodwill	$ 686,359			$ 599,863
IME [Member]
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents			$ 33,279
Payments to Acquire Businesses, Gross	$ 76,700
Goodwill			30,193
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares	49,941
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable	$ 3,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Prepaid Expense and Other Assets			17,082
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles			35,130
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets			5,234
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets			90,725
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Accounts Payable			(1,958)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Other			(1,548)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Settlement Obligations and Customer Deposits			(27,700)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Liabilities Noncurrent			(9,142)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities			(859)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities			(41,207)
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net			79,711
XE [Member]
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents		$ 1,872
Payments to Acquire Businesses, Gross	$ 79,900
Goodwill		103,887
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares	642,912
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable	$ 40,100
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Prepaid Expense and Other Assets		1,294
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		15,367
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets		341
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets		28,510
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Accounts Payable		(26)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Other		(11,824)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities		(571)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities		(12,421)
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net		119,976
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Assets Noncurrent		9,636
Software Development [Member] | XE [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		2,011
Customer-Related Intangible Assets [Member] | IME [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles			33,940
Customer-Related Intangible Assets [Member] | XE [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		9,414
Trade Names [Member] | IME [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	2 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles			650
Trade Names [Member] | XE [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	20 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		3,654
Noncompete Agreements [Member] | IME [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles			$ 540
Noncompete Agreements [Member] | XE [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	3 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		$ 288

Goodwill and Acquired Intangi32

Goodwill and Acquired Intangible Assets, Net (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Goodwill and Finite-lived Intangible Assets Rollforward [Roll Forward]
Finite-Lived Intangible Assets, Net	$ 173,974	$ 158,267
Finite-Lived Intangible Assets, Amortization Expense	(17,707)
Finite-lived intangible assets, other changes	(17,083)
Goodwill	686,359	599,863
Goodwill, Other Changes	(47,584)
Intangible Assets, Net (Including Goodwill)	860,333	$ 758,130
Total intangible assets amortization expense	(17,707)
Total intangible assets, other changes	(64,667)
Finite-Lived Intangible Assets, Amortization Expense, Remainder of Fiscal Year	6,100
Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months	24,300
Finite-Lived Intangible Assets, Amortization Expense, Year Two	22,200
Finite-Lived Intangible Assets, Amortization Expense, Year Three	20,000
Finite-Lived Intangible Assets, Amortization Expense, Year Four	19,300
Finite-Lived Intangible Assets, Amortization Expense, Year Five	18,600
Finite-lived Intangible Assets Acquired	50,497
Goodwill, Acquired During Period	134,080
Total intangible assets acquired during period	$ 184,577

Accrued Expenses and Other Cu33

Accrued Expenses and Other Current Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ACCRUED EXPENSES AND OTHER CURRENT LIABILITIES [Abstract]
Accrued expenses	$ 120,863	$ 97,115
Accrued amounts due to mobile operators and other content providers	72,475	64,839
Money transfer settlement obligations	167,056	137,285
Derivative liabilities	41,351	36,439
Deferred income taxes	1,215	683
Accrued expenses and other current liabilities	$ 402,960	$ 336,361

Debt Obligations (Narrative) (D

Debt Obligations (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Dec. 31, 2014	Oct. 30, 2014	Apr. 09, 2014
Debt Instrument [Line Items]
Term Loan A	$ 68,437	$ 68,437	$ 72,187
Revolving Credit Facility, Interest Rate at Period End	3.23%	3.23%
Term Loan A, Weighted Average Interest Rate	1.57%	1.57%
Debt Instrument, Face Amount				$ 402,500
Debt Instrument, Convertible, Conversion Price				$ 72.18
Debt Instrument, Convertible, Carrying Amount of Equity Component	$ 66,100	$ 66,100
Amortization of Debt Discount (Premium)		7,371
Minimum [Member] | LIBOR [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.375%
Minimum [Member] | Base Rate [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	0.375%
Maximum [Member] | LIBOR [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.375%
Maximum [Member] | Base Rate [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.375%
Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 600,000	600,000
Term Loan A [Member]
Debt Instrument [Line Items]
Term Loan A					$ 75,000
Senior Secured Credit Facility [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 675,000	$ 675,000
Credit Facility Expiration Date		Apr. 9, 2019
1.5% Issue [Member]
Debt Instrument [Line Items]
Debt Issuance Cost		$ 10,700
Debt Instrument, Interest Rate, Stated Percentage	1.50%	1.50%
Interest Expense, Debt	$ 1,500	$ 4,500
Amortization of Debt Discount (Premium)	$ 2,500	$ 7,400
Debt Instrument, Interest Rate During Period	4.70%	4.70%
Debt Instrument, Unamortized Discount	$ 57,100	$ 57,100

Debt Obligations (Details)

Debt Obligations (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Total Debt [Roll Forward]
Revolving Credit Facility	$ 41,386	$ 5,316
Other Debt	6,441	6,035
Capital Lease Obligations	5,910	4,364
Convertible Debt	345,357	337,986
Term Loan A	68,437	72,187
Total Debt and Capital Lease Obligations	467,531	425,888
Other Debt, Current	(5,740)
Capital Lease Obligations, Current	(1,905)	(2,216)
Term Loan A, Current	(6,563)
Total Debt and Capital Lease, Current	(14,208)
Revolving Credit Facility, Noncurrent	41,386
Other Notes Payable, Noncurrent	701
Capital Lease Obligations, Noncurrent	4,005	$ 2,148
Convertible Debt, Noncurrent	345,357
Term Loan A, Noncurrent	61,874
Total Debt and Capital Lease, Noncurrent	453,323
Amortization of Debt Discount (Premium)	7,371
Revolving Credit Facility [Member]
Total Debt [Roll Forward]
Net borrowings (repayments)	32,572
Foreign currency exchange gain	3,498
Short-term Debt, Type [Domain]
Total Debt [Roll Forward]
Net borrowings (repayments)	1,080
Foreign currency exchange gain	(674)
Capital Lease Obligations [Member]
Total Debt [Roll Forward]
Net borrowings (repayments)	1,611
Capital Leases Interest	265
Foreign currency exchange gain	(330)
Term Loan A [Member]
Total Debt [Roll Forward]
Net borrowings (repayments)	(3,750)
Foreign currency exchange gain	0
Total debt [Member]
Total Debt [Roll Forward]
Net borrowings (repayments)	31,513
Capital Leases Interest	265
Foreign currency exchange gain	$ 2,494

Derivative Instruments and He36

Derivative Instruments and Hedging Activities (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Ria Operations [Member] | Foreign Exchange Contracts [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 188,000		$ 188,000
HiFX Operations [Member] | Foreign Exchange Contracts [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	849,000		$ 849,000
Maximum [Member] | Ria Operations [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Foreign currency forward contract term			14 days
Trading Revenue [Member] | HiFX Operations [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Foreign Currency Exchange Margin	$ 15,500	$ 15,900	$ 47,100	$ 23,000

Derivative Instruments and He37

Derivative Instruments and Hedging Activities (Details 1) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Derivatives, Fair Value [Line Items]
Foreign Currency Derivative Instruments, Asset at Fair Value	$ 48,094	$ 41,151
Foreign Currency Derivative Instruments, Liability at Fair Value	$ (41,351)	$ (36,439)

Derivative Instruments and He38

Derivative Instruments and Hedging Activities (Details 2) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES [Abstract]
Derivative Assets, Fair Value, Gross Assets	$ 48,094	$ 41,151
Gross Amount of Eligible Offsetting Recognized Derivative Liabilities	0	0
Derivative Asset, Fair Value, Amount Not Offset Against Collateral	48,094	41,151
Derivative Asset, Not Offset, Policy Election Deduction	(31,838)	(28,113)
Cash Collateral Received	(4,866)	(5,279)
Derivative Asset, Fair Value, Amount Offset Against Collateral	11,390	7,759
Derivative Liability, Fair Value, Gross Liability	(41,351)	(36,439)
Gross Amount of Eligible Offsetting Recognized Derivative Assets	0	0
Derivative Liability, Fair Value, Amount Not Offset Against Collateral	(41,351)	(36,439)
Derivative Liability, Not Offset, Policy Election Deduction	31,838	28,113
Cash Collateral Paid	671	176
Derivative Liability, Fair Value, Amount Offset Against Collateral	$ (8,842)	$ (8,150)

Derivative Instruments and He39

Derivative Instruments and Hedging Activities (Details 3) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Ria Operations [Member] | Foreign Currency Gain (Loss) [Member]
Derivative Instruments, Loss [Line Items]
Gain (loss) on Foreign Currency Derivative Instruments Not Designated as Hedging Instruments	$ 1,025	$ 1,501	$ 991	$ 348
HiFX Operations [Member] | Trading Revenue [Member]
Derivative Instruments, Loss [Line Items]
Foreign Currency Exchange Margin	$ 15,500	$ 15,900	$ 47,100	$ 23,000

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Convertible Debt, Fair Value Disclosures	$ 495,200,000	$ 408,000,000
Convertible Debt	345,357,000	337,986,000
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreign Currency Contract, Asset, Fair Value Disclosure	48,094,000	41,151,000
Foreign Currency Contracts, Liability, Fair Value Disclosure	(41,351,000)	(36,439,000)
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreign Currency Contract, Asset, Fair Value Disclosure	0	0
Foreign Currency Contracts, Liability, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreign Currency Contract, Asset, Fair Value Disclosure	48,094,000	41,151,000
Foreign Currency Contracts, Liability, Fair Value Disclosure	(41,351,000)	(36,439,000)
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreign Currency Contract, Asset, Fair Value Disclosure	0	0
Foreign Currency Contracts, Liability, Fair Value Disclosure	$ 0	$ 0

Segment Information (Details)

Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Segment Reporting Information [Line Items]
Revenues	$ 481,373	$ 453,422	$ 1,301,683	$ 1,202,199
Direct operating costs	282,313	274,814	791,749	743,789
Salaries and benefits	67,070	64,587	192,158	178,529
Selling, general and administrative	43,723	43,968	116,373	117,820
Depreciation and amortization	17,993	19,321	51,786	52,819
Total operating expenses	411,099	402,690	1,152,066	1,092,957
Operating income (expense)	70,274	50,732	149,617	109,242
Property, Plant and Equipment, Net	149,506		149,506		$ 125,307
Assets	2,165,745		2,165,745		2,051,559
Eft Processing Segment [Member]
Segment Reporting Information [Line Items]
Revenues	118,895	107,503	286,650	271,580
Direct operating costs	51,550	46,612	135,754	125,773
Salaries and benefits	11,862	12,155	34,466	35,127
Selling, general and administrative	7,052	6,516	19,432	19,167
Depreciation and amortization	8,115	8,010	23,274	22,951
Total operating expenses	78,579	73,293	212,926	203,018
Operating income (expense)	40,316	34,210	73,724	68,562
Property, Plant and Equipment, Net	94,614		94,614		72,749
Assets	540,879		540,879		390,398
Epay Segment [Member]
Segment Reporting Information [Line Items]
Revenues	174,547	195,086	517,296	562,129
Direct operating costs	133,124	153,121	396,860	434,984
Salaries and benefits	12,745	14,356	37,172	41,856
Selling, general and administrative	11,411	11,160	28,439	31,433
Depreciation and amortization	2,660	3,998	8,465	12,323
Total operating expenses	159,940	182,635	470,936	520,596
Operating income (expense)	14,607	12,451	46,360	41,533
Property, Plant and Equipment, Net	23,310		23,310		24,859
Assets	565,516		565,516		754,448
Money Transfer Segment [Member]
Segment Reporting Information [Line Items]
Revenues	188,232	151,250	498,689	369,568
Direct operating costs	97,928	75,455	260,008	183,985
Salaries and benefits	36,187	32,219	100,581	83,472
Selling, general and administrative	23,356	23,747	63,089	57,438
Depreciation and amortization	7,011	7,246	19,703	17,337
Total operating expenses	164,482	138,667	443,381	342,232
Operating income (expense)	23,750	12,583	55,308	27,336
Property, Plant and Equipment, Net	31,432		31,432		27,528
Assets	1,033,915		1,033,915		837,360
Corporate Services, Eliminations and Other [Member]
Segment Reporting Information [Line Items]
Revenues	(301)	(417)	(952)	(1,078)
Direct operating costs	(289)	(374)	(873)	(953)
Salaries and benefits	6,276	5,857	19,939	18,074
Selling, general and administrative	1,904	2,545	5,413	9,782
Depreciation and amortization	207	67	344	208
Total operating expenses	8,098	8,095	24,823	27,111
Operating income (expense)	(8,399)	$ (8,512)	(25,775)	$ (28,189)
Property, Plant and Equipment, Net	150		150		171
Assets	$ 25,435		$ 25,435		$ 69,353

Income Taxes (Details)

Income Taxes (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income taxes [Line Items]
Effective Income Tax Rate	34.80%	26.90%	34.40%	27.70%
Federal Statutory Income Tax Rate	35.00%	35.00%	35.00%	35.00%

Commitments (Details)

Commitments (Details) $ in Millions	Sep. 30, 2015USD ($)
Other Commitments [Line Items]
Letters of Credit Outstanding, Amount	$ 68.2
Revolving Credit Facility [Member]
Other Commitments [Line Items]
Letters of Credit Outstanding, Amount	42.7
Cash and Cash Equivalents [Member]
Other Commitments [Line Items]
Pledged Assets, Not Separately Reported, Other	3.1
Guarantee Type, Other [Member]
Other Commitments [Line Items]
Guarantor Obligations, Maximum Exposure, Undiscounted	15
Performance Guarantee [Member]
Other Commitments [Line Items]
Guarantor Obligations, Maximum Exposure, Undiscounted	24.3
Indemnification Agreement [Member]
Other Commitments [Line Items]
Guarantor Obligations, Maximum Exposure, Undiscounted	$ 450