ACI Worldwide (ACIW) 10-K 26 Feb 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 22, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Trading Symbol	ACIW
Entity Registrant Name	ACI WORLDWIDE, INC.
Entity Central Index Key	935,036
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		119,073,873
Entity Public Float			$ 2,835,839,744

CONSOLIDATED BALANCE SHEETS

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

CONSOLIDATED BALANCE SHEETS (Pa

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

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues
License		$ 94,230	$ 50,237	$ 67,161	$ 39,577	$ 80,425	$ 57,653	$ 61,377	$ 35,702	$ 251,205	$ 235,157	$ 233,931
Maintenance		63,000	59,262	60,141	59,492	67,421	63,764	62,309	62,499	241,895	255,993	245,954
Services		34,371	25,842	23,110	23,497	29,811	28,194	24,991	22,588	106,820	105,584	122,085
Hosting		117,036	103,360	115,410	110,251	112,567	100,033	106,131	100,684	446,057	419,415	262,958
Total revenues		308,637	238,701	265,822	232,817	290,224	249,644	254,808	221,473	1,045,977	1,016,149	864,928
Operating expenses
Cost of license	[1]	5,810	5,387	5,939	6,109	6,499	5,433	6,897	5,736	23,245	24,565	25,324
Cost of maintenance, services and hosting	[1]	111,285	104,272	120,484	113,013	104,390	105,319	112,595	107,887	449,054	430,191	318,515
Research and development		33,285	36,123	39,425	37,091	31,554	36,321	38,876	37,456	145,924	144,207	142,557
Selling and marketing		40,747	28,451	31,298	28,911	29,053	27,078	28,007	27,909	129,407	112,047	99,828
General and administrative		20,552	20,284	25,008	21,575	19,938	25,329	24,682	25,116	87,419	95,065	99,300
Depreciation and amortization		22,985	20,298	20,004	19,693	19,519	18,295	17,010	17,078	82,980	71,902	56,356
Total operating expenses		234,664	214,815	242,158	226,392	210,953	217,775	228,067	221,182	918,029	877,977	741,880
Operating income		73,973	23,886	23,664	6,425	79,271	31,869	26,741	291	127,948	138,172	123,048
Other income (expense)
Interest expense		(10,198)	(9,728)	(10,505)	(10,941)	(10,818)	(10,416)	(9,329)	(9,175)	(41,372)	(39,738)	(27,221)
Interest income		132	94	58	102	143	98	135	199	386	575	659
Other, net		(1,284)	4,314	19,659	3,722	1,104	3,614	(3,901)	(1,057)	26,411	(240)	(3,327)
Total other income (expense)		(11,350)	(5,320)	9,212	(7,117)	(9,571)	(6,704)	(13,095)	(10,033)	(14,575)	(39,403)	(29,889)
Income before income taxes		62,623	18,566	32,876	(692)	69,700	25,165	13,646	(9,742)	113,373	98,769	93,159
Income tax expense		18,856	3,786	5,825	(530)	23,334	9,433	2,409	(3,967)	27,937	31,209	29,291
Net income		$ 43,767	$ 14,780	$ 27,051	$ (162)	$ 46,366	$ 15,732	$ 11,237	$ (5,775)	$ 85,436	$ 67,560	$ 63,868
Earnings per common share
Basic		$ 0.37	$ 0.13	$ 0.23	$ 0	$ 0.40	$ 0.14	$ 0.10	$ (0.05)	$ 0.73	$ 0.59	$ 0.54
Diluted		$ 0.36	$ 0.12	$ 0.23	$ 0	$ 0.40	$ 0.14	$ 0.10	$ (0.05)	$ 0.72	$ 0.58	$ 0.53
Weighted average common shares outstanding
Basic										117,465	114,798	117,885
Diluted										118,919	116,771	120,054
[1]	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

CONSOLIDATED STATEMENTS OF COMP

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

CONSOLIDATED STATEMENTS OF STOC

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

CONSOLIDATED STATEMENTS OF STO7

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

CONSOLIDATED STATEMENTS OF CASH

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

Nature of Business and Summary

Nature of Business and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Nature of Business and Summary of Significant Accounting Policies	1. Nature of Business and Summary of Significant Accounting Policies Nature of Business ACI Worldwide, Inc., a Delaware corporation, and its subsidiaries (collectively referred to as “ACI” or the “Company”), develop, market, install, and support a broad line of software products and services primarily focused on facilitating electronic payments. In addition to its own products, the Company distributes, or acts as a sales agent for software developed by third parties. These products and services are used principally by financial institutions, retailers, and electronic-payment processors, both in domestic and international markets. Consolidated Financial Statements The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Recently acquired subsidiaries that are included in the Company’s consolidated financial statements as of the date of their acquisition include: PAY.ON AG and its subsidiaries (collectively, “PAY.ON”) acquired during the year ended December 31, 2015, Retail Decisions Europe Limited (“ReD Europe”) and all its subsidiaries and Retail Decisions, Inc. (“ReD, Inc.”) (collectively “ReD”) acquired during the year ended December 31, 2014, Official Payments Holdings, Inc. (“OPAY”), Online Resources Corporation (“ORCC”), and Profesionales en Transacciones Electonicas S.A. (“PTESA”) acquired during the year ended December 31, 2013. All intercompany balances and transactions have been eliminated. Capital Stock The Company’s outstanding capital stock consists of a single class of common stock. Each share of common stock is entitled to one vote upon each matter subject to a stockholders vote and to dividends if and when declared by the Board of Directors. Noncontrolling Interest On April 10, 2014, the Company dissolved its partnership based in South Africa with Cornastone Technology Investments (Proprietary) Limited (“CTI”). As a result, the Company paid CTI approximately $1.5 million during the year-ended December 31, 2014 for CTI’s noncontrolling interest and loan balance. Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Revenue Recognition, Receivables and Deferred Revenue License. Revenue Recognition: Software 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, For software license arrangements in which a significant portion of the fee is due more than 12 months after delivery or when payment terms are significantly beyond the Company’s standard business practice, the license is deemed not to be fixed or determinable. For software license arrangements in which the fee is not considered fixed or determinable, the license is recognized as revenue as payments become due and payable, provided all other conditions for revenue recognition have been met. For software license arrangements in which the Company has concluded that collection of the fees is not probable, revenue is recognized as cash is collected, provided all other conditions for revenue recognition have been met. In making the determination of collectability, the Company considers the creditworthiness of the customer, economic conditions in the customer’s industry and geographic location, and general economic conditions. ASC 985-605 requires the seller of software that includes PCS to establish VSOE of fair value of the undelivered element of the contract in order to account separately for the PCS revenue. The Company has traditionally established VSOE of the fair value of PCS by reference to stated renewals, expressed in dollar terms, or separate sales with consistent pricing of PCS expressed in percentage terms. In determining whether a stated renewal is not substantive, the Company considers factors such as whether the period of the initial PCS term is relatively long when compared to the term of the software license or whether the PCS renewal rate is significantly below the Company’s normal pricing practices. In determining whether PCS pricing is consistent, the Company considers the population of separate sales that are within a reasonably narrow range of the median within the identified market segment over the trailing 12 month period. For those software license arrangements that include customer-specific acceptance provisions, such provisions are generally presumed to be substantive and the Company does not recognize revenue until the earlier of the receipt of a written customer acceptance, objective demonstration that the delivered product meets the customer-specific acceptance criteria or the expiration of the acceptance period. The Company recognizes revenues on such arrangements upon the earlier of receipt of written acceptance or the first production use of the software by the customer. In the absence of customer-specific acceptance provisions, software license arrangements generally grant customers a right of refund or replacement only if the licensed software does not perform in accordance with its published specifications. If the Company’s product history supports an assessment by management that the likelihood of non-acceptance is remote, the Company recognizes revenue when all other criteria of revenue recognition are met. For software license arrangements in which the Company acts as a sales agent for another company’s products, revenues are recorded on a net basis. These include arrangements in which the Company does not take title to the products, is not responsible for providing the product or service, earns a fixed commission, or assumes credit risk only to the extent of its commission. For software license arrangements in which the Company acts as a distributor of another company’s product, and in certain circumstances, modifies or enhances the product, revenues are recorded on a gross basis. These include arrangements in which the Company takes title to the products and is responsible for providing the product or service. For software license arrangements in which the Company utilizes a third-party distributor or sales agent, the Company recognizes revenue on a sell-in basis when business practices and operating history indicate that there is no risk of returns, rebates, or credits and there are no other risks related to the distributor or sales agents’ ability to honor payment or distribution commitments. For other arrangements in which any of the above factors indicate that there are risks of returns, rebates, or credits or any other risks related to the distributors’ or sales agents’ ability to honor payment or distribution commitments, the Company recognizes revenue on a sell-through basis. For software license arrangements in which the Company permits the customer to receive unspecified future software products during the software license term, the Company recognizes revenue ratably over the license term, provided all other revenue recognition criteria have been met. For software license arrangements in which the Company grants the customer a right to exchange the original software product for specified future software products with more than minimal differences in features, functionality, and/or price, during the license term, revenue is recognized upon the earlier of delivery of the additional software products or at the time the exchange right lapses. For customers granted a right to exchange the original software product for specified future software products where the Company has determined price, feature, and functionality differences are minimal, the exchange right is accounted for as a like-kind exchange and revenue is recognized upon delivery of the currently licensed product. For software license arrangements in which the customer is charged variable license fees based on usage of the product, the Company recognizes revenue as usage occurs over the term of the licenses, provided all other revenue recognition criteria have been met. Certain of the Company’s software license arrangements include PCS terms that fail to achieve VSOE of fair value due to non-substantive renewal periods, or contain a range of possible non-substantive PCS renewal amounts. For these arrangements, VSOE of fair value of PCS does not exist and revenues for the software license, PCS and services, if applicable, are considered to be one accounting unit and are therefore recognized ratably over the longer of the contractual service term or PCS term once the delivery of both services has commenced. The Company typically classifies revenues associated with these arrangements in accordance with the contractually specified amounts, which approximate fair value assigned to the various elements, including software license, maintenance and services, if applicable. This allocation methodology has been applied to the following amounts included in revenues in the consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element (in thousands): Years Ended December 31, 2015 2014 2013 License $ 7,797 $ 22,211 $ 22,190 Maintenance 3,801 7,699 9,649 Services 321 13 10 Total $ 11,919 $ 29,923 $ 31,849 Maintenance. 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. 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 Revenue Recognition – Multiple-Element Arrangements, The Company enters into hosting-related arrangements that may consist of multiple service deliverables including initial implementation and setup services, on-going support services, and other services. The Company’s hosted products operate in a highly regulated and controlled environment which requires a highly specialized and unique set of initial implementation and setup services prior to the commencement of hosting-related services. Due to the essential and specialized nature of the implementation and setup services, these services do not qualify as separate units of accounting separate from the hosting service as the delivered services do not have value to the customer on a stand-alone basis. The on-going support and other services are considered as separate units of accounting as are add-on products that do not impact the availability of functionality currently in use. The total arrangement consideration is allocated to each of the separate units of accounting based on their relative selling price and revenue is recognized over their respective service periods. Hosting revenue also includes fees paid by our clients as a part of the acquired electronic bill presentment and payment products. Fees may be paid by our clients or directly by their customers and may be a percentage of the underlying transaction amount, a fixed fee per executed transaction or a monthly fee for each customer enrolled. Hosting costs include payment card interchange fees, assessments payable to banks and payment card processing fees. Multiple Arrangements. Deferred Revenue. Receivables and Concentration of Credit Risk. December 31, 2015 2014 Billed Receivables $ 192,045 $ 200,392 Allowance for doubtful accounts (5,045 ) (4,806 ) Billed, net 187,000 195,586 Accrued Receivables 32,116 31,520 Receivables, net $ 219,116 $ 227,106 No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2015 or 2014. The Company maintains a general allowance for doubtful accounts based on historical experience, along with additional customer -specific allowances. The Company regularly monitors credit risk exposures in accounts receivable. In estimating the necessary level of our allowance for doubtful accounts, management considers the aging of accounts receivable, the creditworthiness of customers, economic conditions within the customer’s industry, and general economic conditions, among other factors. The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands): Years Ended December 31, 2015 2014 2013 Balance, beginning of period $ (4,806 ) $ (4,459 ) $ (8,117 ) Provision (increase) decrease (2,425 ) (1,049 ) 1,161 Amounts written off, net of recoveries 2,088 1,053 2,296 Foreign currency translation adjustments and other 98 (351 ) 201 Balance, end of period $ (5,045 ) $ (4,806 ) $ (4,459 ) Provision (increases) decreases recorded in general and administrative expenses during the years ended December 31, 2015, 2014, 2013, reflect increases (decreases) in the allowance for doubtful accounts based upon collection experience in the geographic regions in which the Company conducts business, net of collection of customer-specific receivables which were previously reserved for as doubtful of collection. Cash and Cash Equivalents The Company considers all highly liquid investments with original maturities of three months or less to be cash equivalents. The Company’s cash and cash equivalents includes holdings in checking, savings, money market and overnight sweep accounts, all of which have daily maturities, as well as time deposits with maturities of three months or less at the date of purchase. The carrying amounts of cash and cash equivalents on the consolidated balance sheets approximate fair value. Other Current Assets and Other Current Liabilities December 31, 2015 2014 Settlement deposits $ 5,357 $ 13,252 Settlement receivables 7,961 11,032 Current debt issuance costs 5,583 6,244 Other 8,319 9,889 Total other current assets $ 27,220 $ 40,417 December 31, 2015 2014 Settlement payables $ 11,250 $ 21,715 Accrued interest 7,501 7,256 Vendor financed licenses 15,723 7,340 Royalties payable 4,910 4,070 Other 35,841 27,124 Total other current liabilities $ 75,225 $ 67,505 Individuals and businesses settle their obligations to the Company’s various Clients, primarily utility and other public sector Clients, using credit or debit cards or via ACH payments. The Company creates a receivable for the amount due from the credit or debit card company and an offsetting payable to the Client. Once confirmation is received that the funds have been received, the Company settles the obligation to the Client. Due to timing, in some instances, the Company may receive the funds into bank accounts controlled by and in the Company’s name that are not disbursed to its Clients by the end of the day resulting in a settlement deposit on the Company’s books. Off Balance Sheet Settlement Accounts The Company also enters into agreements with certain clients to process payment funds on their behalf. When an automated clearing house or automated teller machine network payment transaction is processed, a transaction is initiated to withdraw funds from the designated source account and deposit them into a settlement account, which is a trust account maintained for the benefit of the Company’s clients. A simultaneous transaction is initiated to transfer funds from the settlement account to the intended destination account. These “back to back” transactions are designed to settle at the same time, usually overnight, such that the Company receives the funds from the source at the same time as it sends the funds to their destination. However, due to the transactions being with various financial institutions there may be timing differences that result in float balances. These funds are maintained in accounts for the benefit of the client which is separate from the Company’s corporate assets. As the Company does not take ownership of the funds, the settlement accounts are not included in the Company’s balance sheet. The Company is entitled to interest earned on the fund balances. The collection of interest on these settlement accounts is considered in the Company’s determination of its fee structure for clients and represents a portion of the payment for services performed by the Company. The amount of settlement funds as of December 31, 2015 and 2014 were $260.2 Property and Equipment Property and equipment are stated at cost. Depreciation of these assets is generally computed using the straight-line method over their estimated useful lives based on asset class. As of December 31, 2015 and 2014, net property and equipment consisted of the following (in thousands): Useful Lives 2015 2014 Computer and office equipment 3 to 5 years $ 92,237 $ 81,850 Leasehold improvements Lesser of useful life of improvement or remaining life of lease 19,380 17,193 Furniture and fixtures 7 years 11,304 11,202 Building and improvements 7 - 30 years 10,340 8,884 Land Non-depreciable 1,785 1,785 135,046 120,914 Less: accumulated depreciation and amortization (74,416 ) (60,554 ) Property and equipment, net $ 60,630 $ 60,360 Software Software may be for internal use or available for sale. Costs related to certain software, which is available for sale, are capitalized in accordance with ASC 985-20, Costs of Software to be Sold, Leased, or Marketed 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 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 In accordance with ASC 350, the Company assesses goodwill for impairment annually during the fourth quarter of its fiscal year using October 1 balances or when there is evidence that events or changes in circumstances indicate that the carrying amount of the asset may not be recovered. The Company evaluates goodwill at the reporting unit level and has identified its reportable segments, Americas, Europe/Middle East/Africa (“EMEA”), and Asia/Pacific, as its reporting units. Recoverability of goodwill is measured using a discounted cash flow model incorporating discount rates commensurate with the risks involved. Use of a discounted cash flow model is common practice in impairment testing in the absence of available transactional market evidence to determine the fair value. The key assumptions used in the discounted cash flow valuation model include discount rates, growth rates, cash flow projections and terminal value rates. Discount rates, growth rates and cash flow projections are the most sensitive and susceptible to change as they require significant management judgment. Discount rates are determined by using a weighted average cost of capital (“WACC”). The WACC considers market and industry data as well as Company-specific risk factors. Operational management, considering industry and Company-specific historical and projected data, develops growth rates and cash flow projections for each reporting unit. Terminal value rate determination follows common methodology of capturing the present value of perpetual cash flow estimates beyond the last projected period assuming a constant WACC and low long-term growth rates. If the calculated fair value is less than the current carrying value, impairment of the reporting unit may exist. If the recoverability test indicates potential impairment, the Company calculates an implied fair value of goodwill for the reporting unit. The implied fair value of goodwill is determined in a manner similar to how goodwill is calculated in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded to write down the carrying value. The calculated fair value substantially exceeded the current carrying value for all reporting units for all periods. Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands): Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2013 $ 488,698 $ 160,158 $ 67,793 $ 716,649 Total impairment prior to December 31, 2013 (47,432 ) — — (47,432 ) Balance, December 31, 2013 441,266 160,158 67,793 669,217 Goodwill from acquisitions (1) 36,623 84,515 — 121,138 Foreign currency translation adjustments (1,407 ) (4,370 ) (3,415 ) (9,192 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (2) 2,462 139,825 — 142,287 Foreign currency translation adjustments (1,803 ) (3,301 ) (5,085 ) (10,189 ) Balance, December 31, 2015 $ 477,141 $ 376,827 $ 59,293 $ 913,261 (1) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions (2) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period. Other intangible assets, which include customer relationships, purchased contracts, trademarks and trade names, and covenants not to compete, are amortized using the straight-line method over periods ranging from three years to 20 years. The Company reviews its intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. Impairment of Long-Lived Assets The Company reviews its long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of a long-lived asset group may not be recoverable. An impairment loss is recorded if the sum of the future cash flows expected to result from the use of the asset (undiscounted and without interest charges) is less than the carrying amount of the asset. The amount of the impairment charge is measured based upon the fair value of the asset group. Treasury Stock The Company accounts for shares of its common stock that are repurchased without intent to retire as treasury stock. Such shares are recorded at cost and reflected separately on the consolidated balance sheets as a reduction of stockholders’ equity. The Company issues shares of treasury stock upon exercise of stock options, issuance of restricted share awards, payment of earned performance shares, and for issuances of common stock pursuant to the Company’s employee stock purchase plan. For purposes of determining the cost of the treasury shares re-issued, the Company uses the average cost method. Stock-Based Compensation Plans In accordance with ASC 718, Compensation – Stock Compensation Stock-Based Compensation Plans Translation of Foreign Currencies The Company’s foreign subsidiaries typically use the local currency of the countries in which they are located as their functional currency. Their assets and liabilities are translated into United States dollars at the exchange rates in effect at the balance sheet date. Revenues and expenses are translated at the average exchange rates during the period. Translation gains and losses are reflected in the consolidated financial statements as a component of accumulated other comprehensive income (loss). Transaction gains and losses, including those related to intercompany accounts, that are not considered to be of a long-term investment nature are included in the determination of net income. Transaction gains and losses, including those related to intercompany accounts, that are considered to be of a long-term investment nature are reflected in the consolidated financial statements as a component of accumulated other comprehensive income. Since the undistributed earnings of the Company’s foreign subsidiaries are considered to be indefinitely reinvested, the components of accumulated other comprehensive income have not been tax-effected. Income Taxes The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the expected future tax consequences of temporary differences between the financial reporting and tax bases of assets and liabilities. Deferred tax assets are reduced by a valuation allowance when it is more likely than not that some portion or all of the deferred tax assets will not be realized. The Company periodically assesses its tax exposures and establishes, or adjusts, estimated unrecognized tax benefits for probable assessments by taxing authorities, including the Internal Revenue Service (“IRS”), and various foreign and state authorities. Such unrecognized tax benefits represent the estimated provision for income taxes expected to ultimately be paid. Recently Issued Accounting Standards In November 2015, the FASB issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classificiation of Deferred Taxes Income Taxes In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, In April 2015, the FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (“ASC 606”) Revenue Recognition

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2015
Business Combinations [Abstract]
Acquisitions	2. Acquisitions Fiscal 2015 Acquisitions PAY.ON On November 4 , Under the terms of the agreement, the Company acquired 100% of the equity of PAY.ON in a combination of cash and stock. The Company used approximately $181.0 million from its Revolving Credit Facility. See Note 4, Debt The purchase price of PAY.ON as of the date of the acquisition was comprised of (in thousands): Amount Cash payments to PAY.ON shareholders $ 180,994 Issuance of ACI common stock 5,379 Total purchase price $ 186,373 The consideration paid by the Company to complete the acquisition has been allocated preliminarily to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition. The allocation of the purchase price is based upon certain external valuations and other analyses that have not been completed as of the date of this filing, including but not limited to intangible assets, property and equipment, accruals, and certain tax matters. Accordingly, the purchase price allocation is considered preliminary and is subject to future adjustments during the maximum one-year measurement period. The Company incurred approximately $0.9 million in transaction related expenses during the year ended December 31, 2015, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying consolidated financial statements. Under the terms of the PAY.ON acquisition agreement, the Company issued 476,750 shares of ACI common stock to two key PAY.ON employees (“PAY.ON RSAs”) with a fair value of $11.3 million on the date of grant. The awards have requisite service periods of two years and vest in increments of 25% every six months from the date of the acquisition. The PAY.ON RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for the PAY.ON RSAs on a straight-line basis over the requisite service period. PAY.ON contributed approximately $2.9 million in revenue and an operating loss of $2.1 million for the year ended December 31, 2015. The consideration paid by the Company to complete the acquisition has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition. In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015. The purchase price allocation for PAY.ON is considered preliminary and is subject to completion of valuations and other analyses. (in thousands, except weighted average useful lives) Weighted-Average PAY.ON Current assets: Cash and cash equivalents $ 1,627 Receivables, net of allowance 2,658 Other current assets 581 Total current assets acquired 4,866 Noncurrent assets: Property and equipment 424 Goodwill 140,015 Software 5 years 34,213 Customer relationships 15 years 22,418 Trademarks 5 years 2,500 Other noncurrent assets 6 Total assets acquired 204,442 Current liabilities: Accounts payable 1,125 Employee compensation 555 Other current liabilities 1,115 Total current liabilities acquired 2,795 Noncurrent liabilities: Deferred income taxes 15,274 Total liabilities acquired 18,069 Net assets acquired $ 186,373 Factors contributing to the purchase price that resulted in the goodwill (which is not tax deductible) include the acquisition of management, sales, and technology personnel with the skills to market new and existing products of the Company, enhanced product capabilities, complementary products and customers. Pro forma results for PAY.ON are not presented because they are not material. Fiscal 2014 Acquisitions Retail Decisions On August 12, 2014, the Company completed the acquisition of ReD for $205.1 million in cash. As a leader in fraud prevention solutions, the acquisition of ReD enhanced the Company’s Universal Payments strategy and further strengthened the Company’s leadership position in the fast-growing payments risk management space. To fund this acquisition and related transaction fees, the Company drew an additional $60.5 million on the Revolving Credit Facility and increased the Term portion of the Credit Agreement by an additional $150.0 million. See Note 4, Debt 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 Retail Current assets: Cash and cash equivalents $ 795 Receivables, net of allowance 10,106 Deferred income taxes, net 514 Other current assets 10,282 Total current assets acquired 21,697 Noncurrent assets: Property and equipment 3,354 Goodwill 137,915 Software 5-7 years 33,136 Customer relationships 18 years 50,480 Trademarks 5 years 3,980 Deferred income taxes 51 Other noncurrent assets 416 Total assets acquired 251,029 Current liabilities: Accounts payable 4,624 Employee compensation 6,046 Other current liabilities 11,683 Total current liabilities acquired 22,353 Noncurrent liabilities: Deferred income taxes 23,427 Other noncurrent liabilities 164 Total liabilities acquired 45,944 Net assets acquired $ 205,085 Factors contributing to the purchase price that resulted in the goodwill (which is not tax deductible) include the acquisition of management, sales, and technology personnel with the skills to market new and existing products of the Company, enhanced product capabilities, complementary products and customers. Pro forma results for ReD are not presented because they are not material. Fiscal 2013 Acquisitions In 2013, the Company completed three acquisitions at an aggregate cost of $378.1 million. Official Payments Holdings, Inc. On November 5, 2013, the Company completed the tender offer for OPAY and all its subsidiaries. The Company paid cash of $8.35 per share of common stock or approximately $139.8 million using funds on hand and $40 million drawn on the Revolving Credit Facility, which was repaid prior to year-end. As a leading provider of electronic bill payment solutions in the U.S., serving federal, state and local governments, municipal utilities, higher education institutions and charitable giving organizations, OPAY’s team, user base and vertical expertise make it an ideal match for the Company. The acquisition will further extend the Company’s presence in the Electronic Bill Presentment and Payment (“EBPP”) space, expanding its portfolio across key sectors including federal, state and local governments, municipal utilities, higher education institutions and charitable giving organizations. Each outstanding option to acquire OPAY common stock was canceled and terminated at the effective time of the acquisition and converted into the right to receive cash with respect to the number of shares of OPAY common stock that would have been issuable upon a net exercise of such option, assuming the market value of the OPAY common stock at the time of such exercise was equal to the $8.35 per common stock tender offer. Any outstanding option with a per share exercise price that was greater than or equal to such amount was cancelled and terminated and no payment was made with respect thereto. In addition, each OPAY restricted stock unit award outstanding immediately prior to the effective time of the tender offer was fully vested and cancelled, and each holder of such awards became entitled to receive the $8.35 per common stock tender offer for each share of OPAY common stock into which the vested portion of the awards would otherwise have been converted. The Company incurred approximately $1.2 million in transaction related expenses during the year ended December 31, 2013, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying consolidated statement of income. OPAY contributed approximately $135.7 million and $23.3 million in revenue for the years ended December 31, 2014 and 2013, respectively. Due to integration activities, the Company is no longer able to separately identify the contribution to operating income generated from the acquisition of OPAY during the year ended December 31, 2014. OPAY contributed less than $0.1 million in operating losses for the year ended December 31, 2013, which includes severance expense related to the integration activities. The consideration paid by the Company to complete the acquisition of OPAY has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition, including $47.4 million of customer relationships and $29.2 million of goodwill. The Company made adjustments to finalize the purchase price allocation as additional information became available to deferred income taxes, other current and noncurrent liabilities. These adjustments and any resulting adjustments to the consolidated statements of income were not material to the Company’s previously reported operating results or financial position. 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. Online Resources Corporation On March 11, 2013, the Company completed the tender offer for ORCC and all its subsidiaries. The Company paid cash of $3.85 per share of common stock for approximately $132.9 million and $127.2 million for the Series A-1 Convertible Preferred Stock for a total purchase price of $260.1 million (the “Merger”). The Company has included the financial results of ORCC in the consolidated financial statements from the date of acquisition. As a leading provider of online banking and full service bill pay solutions, the acquisition of ORCC adds EBPP solutions as a strategic part of ACI’s Universal Payments portfolio. It also strengthens the Company’s online banking capabilities with complementary technology, and expands the Company’s leadership in serving community banking and credit union customers. Each outstanding option to acquire ORCC common stock was canceled and terminated at the effective time of the Merger and converted into the right to receive an equivalent number of options to purchase ACI common stock. Each ORCC restricted stock unit was vested immediately prior to the effective time of the Merger and received $3.85 per share. The Company used funds from the $300.0 million of senior bank financing arranged through Wells Fargo Securities, LLC to fund the acquisition. See Note 4, Debt The Company incurred approximately $5.4 million in transaction related expenses during the twelve months ended December 31, 2013, including fees to the investment bank, legal and other professional fees, which are included in general and administrative expenses in the accompanying statement of income. ORCC contributed approximately $151.3 million and $120.8 million in revenue for the years ended December 31, 2014 and 2013, respectively. Due to integration activities, the Company is no longer able to separately identify the contribution to operating income generated from the acquisition of ORCC during the year ended December 31, 2014. ORCC contributed approximately $6.4 million in operating income for the year ended December 31, 2013, which includes severance expense related to the integration activities. The consideration paid by the Company to complete the Merger has been allocated to the assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition, including $68.8 million in customer relationships and $122.2 million in goodwill. The Company made adjustments to finalize the purchase price allocation as additional information became available for certain accruals and deferred income taxes. These adjustments and any resulting adjustments to the consolidated statements of income were not material to the Company’s previously reported operating results or financial position. 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. Profesionales en Transacciones Electronicas S.A. During the first quarter of 2013, the Company acquired 100% of Profesionales en Transacciones Electronicas S.A. – Venezuela (“PTESA-V”), 100% of Profesionales en Transacciones Electronicas S.A. – Ecuador (“PTESA-E”), and the ACI related assets of Profesionales en Transacciones Electronicas S.A. – Colombia (“PTESA-C”), collectively “PTESA”. The common stock of PTESA-E and PTESA-V were acquired for $2.8 million and the assets of PTESA-C were acquired for $11.4 million, for a total aggregate purchase price of $14.2 million paid in cash. The Company has included the financial results of PTESA in our consolidated financial statements from the date of acquisition. PTESA has been a long-term partner of the Company, serving customers in South America in sales, service and support functions. The addition of the PTESA team to the Company reinforces its commitment to serve the Latin American market. Factors contributing to the purchase price that resulted in the goodwill (approximately $1.5 million of which is not tax deductible) include the acquisition of management, sales, and services personnel with the skills to market and support products of the Company in the Latin America region. Pro forma results are not presented because they are not material. In connection with the 2013 acquisitions, the Company recorded the following amounts based upon its purchase price allocations as of December 31, 2014 (in thousands, except weighted-average useful lives): Weighted-Average Useful Lives Official Online PTESA Current assets: Cash and cash equivalents $ 25,871 $ 9,930 $ 193 Billed and accrued receivables, net 2,858 19,394 327 Deferred income taxes, net 4,692 11,726 — Other current assets 27,642 17,643 95 Total current assets acquired 61,063 58,693 615 Noncurrent assets: Property and equipment 6,340 7,335 6 Goodwill 29,236 122,247 7,113 Software 10 years 26,125 62,215 — Customer relationships 14 - 15 years 47,400 68,750 7,732 Trademarks 3 - 5 years 3,000 3,050 — Other noncurrent assets 19,178 459 7 Total assets acquired 192,342 322,749 15,473 Current liabilities: Accounts payable 9,414 15,394 341 Accrued employee compensation 15,006 10,549 261 Note payable — 7,500 — Other current liabilities 27,312 7,559 — Total current liabilities acquired 51,732 41,002 602 Noncurrent liabilities: Deferred income taxes, net — 18,290 225 Other noncurrent liabilities acquired 828 3,339 439 Total liabilities acquired 52,560 62,631 1,266 Net assets acquired $ 139,782 $ 260,118 $ 14,207

Software and Other Intangible A

Software and Other Intangible Assets	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Software and Other Intangible Assets	3. Software and Other Intangible Assets At December 31, 2015, software net book value totaled $237.9 million, net of $158.9 million of accumulated amortization. Included in this amount is software marketed for external sale of $70.1 million. The remaining software net book value of $167.8 million is comprised of various software that has been acquired or developed for internal use. At December 31, 2014, software net book value totaled $209.5 million, net of $121.6 million of accumulated amortization. Included in this amount is software marketed for external sale of $85.9 million. The remaining software net book value of $123.6 million is comprised of various software that has been acquired or developed for internal use. Amortization of software marketed for external sale is computed using the greater of the ratio of current revenues to total current and anticipated revenues expected to be derived from the software or the straight-line method over an estimated useful life of generally three to ten years. Software for resale amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $14.5 million, $14.8 million, and $13.6 million, respectively. These software amortization expense amounts are reflected in cost of license in the consolidated statements of income. Amortization of software for internal use is computed using the straight-line method over an estimated useful life of three to ten years. Software for internal use amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $38.3 million, $26.7 million, and $19.1 million, respectively. These software amortization expense amounts are reflected in depreciation and amortization in the consolidated statements of income. The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows (in thousands): December 31, 2015 December 31, 2014 Gross Accumulated Net Balance Gross Accumulated Net Balance Customer relationships $ 336,075 $ (86,585 ) $ 249,490 $ 322,216 $ (68,616 ) $ 253,600 Trademarks and tradenames 18,040 (10,605 ) 7,435 15,767 (7,946 ) 7,821 Purchased Contracts 10,690 (10,690 ) — 10,768 (10,768 ) — Covenant not to compete 420 (420 ) — 433 (418 ) 15 $ 365,225 $ (108,300 ) $ 256,925 $ 349,184 $ (87,748 ) $ 261,436 Other intangible assets amortization expense recorded during the years ended December 31, 2015, 2014 and 2013 totaled $23.0 million, $24.7 million, and $18.5 million, respectively. Based on capitalized intangible assets at December 31, 2015, and assuming no impairment of these intangible assets, estimated amortization expense amounts in future fiscal years are as follows (in thousands): Fiscal Year Ending December 31, Software Other 2016 $ 59,446 $ 23,242 2017 51,795 21,742 2018 39,812 21,234 2019 30,934 20,645 2020 26,451 19,722 Thereafter 29,503 150,340 Total $ 237,941 $ 256,925

Debt

Debt	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Debt	4. Debt As of December 31, 2015, the Company had $178.0 million, $460.6 million and $300.0 million outstanding under its Revolving Credit Facility, Term Credit Facility and Senior Notes, respectively, with up to $72.0 million of unused borrowings under the Credit Facility. The amount of unused borrowings actually available varies in accordance with the terms of the agreement. Credit Agreement The Company entered into the Credit Agreement (the “Credit Agreement”), as amended, with a syndicate of financial institutions, as lenders, and Wells Fargo Bank, National Association (“Wells Fargo”), as Administrative Agent, providing for revolving loans, swingline loans, letters of credit and a term loan on November 10, 2011. The Credit Agreement consists of a five-year $250.0 million senior secured revolving credit facility (the “Revolving Credit Facility”), which includes a sublimit for the issuance of standby letters of credit and a sublimit for swingline loans, and $650.0 million total under the five-year senior secured term loan facility (the “Term Credit Facility” and, together with the Revolving Credit Facility, the “Credit Facility”). The Credit Agreement also allows the Company to request optional incremental term loans and increases in the revolving commitment. In connection with obtaining the credit agreement and its amendments, the Company incurred debt issue costs of $28.6 million, $24.1 million of which were paid prior to December 31, 2013, and $4.5 million were paid in 2014. Borrowings under the Credit Facility bear interest at a rate per annum equal to, at the Company’s option, either (a) a base rate determined by reference to the highest of (1) the rate of interest per annum publicly announced by the Administrative Agent as its Prime Rate, (2) the federal funds effective rate plus 1/2 of 1% and (3) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for a one-month interest period adjusted for certain additional costs plus 1% or (b) a LIBOR based rate determined by reference to the costs of funds for U.S. dollar deposits for the interest period relevant to such borrowing adjusted for certain additional costs, in each case plus an applicable margin. The applicable margin for borrowings under the Revolving Credit Facility is, based on the calculation of the applicable consolidated total leverage ratio, between 0.50% to 1.50% with respect to base rate borrowings and between 1.50% and 2.50% with respect to LIBOR based borrowings. Interest is due and payable monthly. The interest rate in effect at December 31, 2015 for the Credit Facility was 2.68%. In addition to paying interest on the outstanding principal under the Credit Facility, the Company is required to pay a commitment fee in respect of the unutilized commitments under the Revolving Credit Facility, payable quarterly in arrears. The Company is also required to pay letter of credit fees on the maximum amount available to be drawn under all outstanding letters of credit in an amount equal to the applicable margin on LIBOR based borrowings under the Revolving Credit Facility on a per annum basis, payable quarterly in arrears, as well as customary fronting fees for the issuance of letters of credit fees and agency fees. The Company is permitted to voluntarily reduce the unutilized portion of the commitment amount and repay outstanding loans under the Credit Facility at any time without premium or penalty, other than customary “breakage” costs with respect to LIBOR based loans. Senior Notes On August 20, 2013, the Company completed a $300 million offering of Senior Notes (“2013 Senior Notes”) at an issue price of 100% of the principal amount in a private placement for resale to qualified institutional buyers. The Senior Notes bear an interest rate of 6.375% per annum, payable semi-annually in arrears on August 15 and February 15 of each year, commencing on February 15, 2014. Interest began accruing beginning August 20, 2013. The Senior Notes will mature on August 20, 2020. In connection with the issuance of the Senior Notes the Company incurred debt issue costs of $6.1 million. The Company paid $0.2 million and $5.9 million of these debt issuance costs during the years ended December 31, 2014 and 2013, respectively Maturities on long-term debt outstanding at December 31, 2015 are as follows (amounts in thousands): Fiscal year ending December 31, 2016 $ 95,293 2017 95,293 2018 447,997 2019 — 2020 300,000 Total $ 938,583 The Credit Agreement and Senior Notes also contain certain customary mandatory prepayment provisions. If certain events, as specified in the Credit Agreement or Senior Notes agreement, shall occur, the Company may be required to repay all or a portion of the amounts outstanding under the Credit Facility or Senior Notes. The Credit Facility will mature on August 20, 2018 and the Senior Notes will mature on August 20, 2020. The Revolving Credit Facility and Senior Notes will not amortize and the Term Credit Facility will amortize, with principal payable in consecutive quarterly installments. The Company’s obligations and the obligations of the guarantors under the Guaranty and cash management arrangements entered into with lenders under the Credit Facility (or affiliates thereof) are secured by first-priority security interests in substantially all assets of the Company and any guarantor, including 100% of the capital stock of ACI Corporation and each domestic subsidiary of the Company, each domestic subsidiary of any guarantor and 65% of the voting capital stock of each foreign subsidiary of the Company that is directly owned by the Company or a guarantor, and in each case, is subject to certain exclusions set forth in the credit documentation governing the Credit Facility. The Credit Agreement and Senior Notes contain certain customary affirmative covenants and negative covenants that limit or restrict, subject to certain exceptions, the incurrence of liens, indebtedness of subsidiaries, dividends and other restricted payments, mergers, advances, investments, acquisitions, transactions with affiliates, change in nature of business and the sale of the assets. The Company is also required to maintain a consolidated leverage ratio at or below a specified amount and a consolidated fixed charge coverage ratio at or above a specified amount. If an event of default, as specified in the Credit Agreement and Senior Notes agreement, shall occur and be continuing, the Company may be required to repay all amounts outstanding under the Credit Facility and Senior Notes. As of December 31, 2015, and at all times during the period, the Company was in compliance with its financial debt covenants. December 31, 2015 2014 Term credit facility $ 460,583 $ 547,935 Revolving credit facility 178,000 44,000 6.375% Senior Notes, due August 2020 300,000 300,000 Total debt 938,583 891,935 Less current portion of term credit facility 95,293 87,352 Total long-term debt $ 843,290 $ 804,583 Other During the year ended December 31, 2012, the Company financed a five-year license agreement for certain internally-used software for $14.8 million with annual payments through April 2016. During the year ended December 31, 2015, the Company financed multiple three-year license agreements for certain internally-used software for a total value of $20.4 million with payments due through November 2018. Of these amounts, $20.2 million and $6.3 million was remaining as of December 31, 2015 and 2014, respectively. The Company recorded $11.7 million and $3.1 million in other current liabilities as of December 31, 2015 and 2014, respectively. The remaining $8.5 million and $3.2 million was recorded in other noncurrent liabilities in the accompanying consolidated balance sheet as of December 31, 2015 and 2014, respectively.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	5. Fair Value of Financial Instruments ASC 820, Fair Value Measurements and Disclosures • Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. • Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Available-for-Sale Securities. The Company acquired a cost basis investment in Yodlee with the acquisition of S1 Corporation (“S1”) in February of 2012, which was fair valued at $9.8 million as a part of the purchase price allocation. The Company subsequently made an additional investment in Yodlee of approximately $1.0 million, bringing the total investment to $10.8 million as of December 31, 2013. On October 3, 2014 Yodlee common stock began trading on the NASDAQ under the symbol YDLE and the Company transitioned to accounting for the investment as available-for-sale securities. The Company recognized an unrealized gain in accumulated other comprehensive income of approximately $23.0 million during the year ended December 31, 2014 related to price appreciation of the Yodlee shares from the cost basis of $10.8 million. As a result of the recognition of the unrealized gain, the Company released a deferred tax asset and an equal and offsetting valuation allowance on the associated deferred tax asset of approximately $8.7 million during the year ended December 31, 2014. This tax impact was also recorded in accumulated other comprehensive income. During the year ended December 31, 2015, the Company sold all of its Yodlee stock holdings in a series of sales and realized a total gain of $24.5 million, which is included in other, net in the accompanying condensed consolidated statements of income. The fair value of our Credit Agreement approximates the carrying value due to the floating interest rate (Level 2 of the fair value hierarchy). The Company measures the fair value of its Senior Notes based on Level 2 inputs, which include quoted market prices and interest rate spreads of similar securities. The fair value of the Company’s Senior Notes was $310.5 million and $315.0 million at December 31, 2015 and 2014, respectively. The fair values of cash equivalents approximate the carrying values.

Corporate Restructuring and Oth

Corporate Restructuring and Other Organizational Changes	12 Months Ended
	Dec. 31, 2015
Restructuring and Related Activities [Abstract]
Corporate Restructuring and Other Organizational Changes	6. Corporate Restructuring and Other Organizational Changes Employee Actions During the year ended December 31, 2015, the Company reduced its headcount by 30 employees as a part of its integration of recent acquisitions. In connection with these actions, approximately $1.3 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2015. The Company recognized $0.7 million of this expense in the Americas segment and $0.6 million in the EMEA segment during the year ended December 31, 2015. The Company paid approximately $2.9 million in restructuring severance costs during the year ended December 31, 2015 relating to expenses incurred in 2015 and prior. The unpaid severance liability as of December 31, 2015 totaled $0.8 million, including balances from severance events during the 12 months ended December 31, 2014. The Company expects the total $0.8 million of the severance liability to be paid over the next 12 months. During the year ended December 31, 2014, the Company reduced its headcount by 220 employees as a part of its integration of recent acquisitions. In connection with these actions, approximately $8.7 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2014. The charges by segment were as follows for the year ended December 31, 2014: $5.7 million in the Americas segment, $2.0 million in the EMEA segment, and $1.0 million in the Asia/Pacific segment. Approximately $6.2 million of these termination costs were paid during the year ended December 31, 2014. During the year ended December 31, 2013, the Company reduced its headcount by 147 employees as a part of its integration of its recent acquisitions. In connection with these actions, approximately $8.9 million of termination costs were recognized in general and administrative expense in the accompanying consolidated statements of income during the year ended December 31, 2013. The charges, by segment, were as follows for the year December 31, 2013: $6.3 million in the Americas segment, $2.2 million in the EMEA segment, and $0.4 million in the Asia/Pacific segment. Lease Terminations During the year ended December 31, 2013, the Company ceased use of all or a portion of its leased facilities in Chantilly, VA, North Brunswick, NJ, Columbus, OH, Duluth, GA, and Bangalore, India, which resulted in additional expense of $1.7 million that was recorded in general and administrative expenses in the accompanying consolidated statements of income for the year ended December 31, 2013. The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table (in thousands): Severance Facility Total Balance, December 31, 2013 $ 1,470 $ 1,871 $ 3,341 Restructuring charges (adjustments) incurred, net 8,671 (136 ) 8,535 Amounts paid during the period (7,741 ) (1,283 ) (9,024 ) Foreign currency translation adjustments (59 ) — (59 ) Balance, December 31, 2014 2,341 452 2,793 Restructuring charges (adjustments) incurred, net 1,339 — 1,339 Amounts paid during the period (2,872 ) (184 ) (3,056 ) Foreign currency translation adjustments (31 ) — (31 ) Balance, December 31, 2015 $ 777 $ 268 $ 1,045 The $0.8 million for unpaid severance is included in employee compensation and the $0.3 million for unpaid facilities closures is included in other current liabilities in the accompanying consolidated balance sheet at December 31, 2015.

Common Stock and Treasury Stock

Common Stock and Treasury Stock	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Common Stock and Treasury Stock	7. Common Stock and Treasury Stock As of December 31, 2011, the Company’s Board of Directors had approved a stock repurchase program authorizing the Company, from time to time as market and business conditions warrant, to acquire up to $210 million of its common stock. In February 2012, the Company’s Board of Directors approved an increase of $52.1 million to their current stock repurchase authorization, bringing the total authorization to $262.1 million. On September 13, 2012, the Company’s Board of Directors approved the repurchase of up to 7,500,000 shares of the Company’s common stock, or up to $113.0 million in place of the remaining repurchase amounts previously authorized. In July 2013, the Company’s Board of Directors approved an additional $100 million for the stock repurchase program. In February 2014, the Company’s Board of Directors approved an additional $100 million for the stock repurchase program. The Company did not repurchase any shares under the program during the year ended December 31, 2015. Under the program to date, the Company has repurchased 37,108,467 shares for approximately $395.8 million. The maximum remaining authorized for purchase under the stock repurchase program was approximately $138.3 million as of December 31, 2015. During the year ended September 30, 2006, the Company began to issue shares of treasury stock upon exercise of stock options, payment of earned performance shares, issuance of restricted stock awards and for issuances of common stock pursuant to the Company’s employee stock purchase plan. Treasury shares issued during the year ended December 31, 2013 included 2,493,684, 25,989, and 982,728 shares issued pursuant to stock option exercises, Restricted share award (“RSA”) grants, and long-term incentive program performance share awards (“LTIP Performance Shares”) vesting, respectively. Treasury shares issued during the year ended December 31, 2014 included 2,037,467, 106,275, and 635,643 shares issued pursuant to stock option exercises, RSA grants, and LTIP Performance Shares vesting, respectively. Treasury shares issued during the year ended December 31, 2015 included 1,146,199, 125,026, 548,671, and 978,365 shares issued pursuant to stock option exercises, RSA grants, LTIP Performance Shares vesting, and Performance-Based Restriced Share Award (“PBRSAs”) grants, respectively.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	8. Earnings Per Share Earnings per share is computed in accordance with ASC 260, Earnings per Share The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands): Years Ended December 31, 2015 2014 2013 Weighted average shares outstanding: Basic weighted average shares outstanding 117,465 114,798 117,885 Add: Dilutive effect of stock options, restricted stock awards and other dilutive securities 1,454 1,973 2,169 Diluted weighted average shares outstanding 118,919 116,771 120,054 For the years ended December 31, 2015, 2014, and 2013, respectively, 3.7 million, 2.9 million and 4.5 million options to purchase shares, contingently issuable shares, and common stock warrants were excluded from the diluted net income per share computation as their effect would be anti-dilutive. Common stock outstanding as of December 31, 2015 and 2014 was 119,033,770 and 115,637,804, respectively.

Other, net

Other, net	12 Months Ended
	Dec. 31, 2015
Other Income and Expenses [Abstract]
Other, net	9. Other, net Other, net is comprised of the following items (in thousands): Years Ended December 31, 2015 2014 2013 Foreign currency transaction gains (losses) $ 1,946 $ (67 ) $ (2,697 ) Realized gain on available-for-sale securities 24,465 — — Other — (173 ) (630 ) Total $ 26,411 $ (240 ) $ (3,327 ) The realized gain on sale of available-for-sale securities represents the gain on the sale of Yodlee common stock as discussed in Note 5, Fair Value of Finanical Instruments

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Information	10. Segment Information The Company’s chief operating decision maker, together with other senior management personnel, currently focus their review of consolidated financial information and the allocation of resources based on reporting of operating results, including revenues and operating income for the geographic regions of the Americas, EMEA and Asia/Pacific and the Corporate segment. The Company’s products are sold and supported through distribution networks covering these three geographic regions, with each distribution network having its own sales force. The Company supplements its distribution networks with independent reseller and/or distributor arrangements. All administrative costs that are not directly attributable or reasonably allocable to a geographic segment are tracked in the Corporate segment. As such, the Company has concluded that its three geographic regions are its reportable segments. The Company allocates segment support expenses such as global product development, business operations, and product management based upon percentage of revenue per segment. Depreciation and amortization and other facility related costs are allocated as a percentage of the headcount by segment. The Corporate line item consists of the corporate overhead costs that are not allocated to operating segments. Corporate overhead costs relate to human resources, finance, legal, accounting, merger and acquisition activity and amortization of acquisition-related intangibles and software as well as other costs that are not considered when management evaluates segment performance. The following is selected segment financial data for the periods indicated (in thousands): Years Ended December 31, 2015 2014 2013 Revenues: Americas - United States $ 628,013 $ 614,488 $ 450,251 Americas - Other 82,548 87,279 91,639 EMEA 250,568 230,879 228,679 Asia/Pacific 84,848 83,503 94,359 $ 1,045,977 $ 1,016,149 $ 864,928 Depreciation and amortization expense: Americas $ 24,966 $ 20,548 $ 17,030 EMEA 3,670 4,126 6,310 Asia/Pacific 1,751 1,809 2,574 Corporate 67,044 60,200 44,053 $ 97,431 $ 86,683 $ 69,967 Stock-based compensation expense: Americas $ 1,638 $ 2,910 $ 2,392 EMEA 1,223 419 759 Asia/Pacific 36 249 293 Corporate 15,483 7,467 10,128 $ 18,380 $ 11,045 $ 13,572 Income (loss) before taxes: Americas $ 111,382 $ 143,379 $ 145,496 EMEA 132,518 116,120 87,522 Asia/Pacific 41,658 38,853 33,923 Corporate (172,185 ) (199,583 ) (173,782 ) $ 113,373 $ 98,769 $ 93,159 December 31, 2015 2014 Long lived assets: Americas - United States $ 923,871 $ 929,459 Americas - Other 11,643 15,337 EMEA 502,785 360,033 Asia/Pacific 72,957 77,416 $ 1,511,256 $ 1,382,245 December 31, 2015 2014 Total assets: Americas - United States $ 1,196,733 $ 1,210,673 Americas - Other 33,492 32,595 EMEA 643,275 487,629 Asia/Pacific 116,712 119,803 $ 1,990,212 $ 1,850,700 Additionally, the Company offers seven primary product categories that are sold in each of the geographic regions listed above. Following are revenues, by product and services (in thousands): Years Ended December 31, 2015 2014 2013 Retail payments processing $ 402,454 $ 406,023 $ 410,200 Billers 241,949 235,039 101,981 Online banking and community financial services 219,698 227,659 223,902 Tools and infrastructure 42,783 40,427 38,241 Wholesale banking payments 41,545 37,879 35,396 Payment fraud management 27,373 36,235 37,136 Card and merchant management 70,175 32,887 18,072 Total $ 1,045,977 $ 1,016,149 $ 864,928 During the years ended December 31, 2015, 2014 and 2013, approximately 21%, 21%, and 28%, respectively, of the Company’s total revenues were derived from licensing the BASE24 product line, which does not include the BASE24-eps product, and providing related services and maintenance. No country outside of the United States accounted for more than 10% of the Company’s consolidated revenues during the years ended December 31, 2015, 2014 and 2013. No single customer accounted for more than 10% of the Company’s consolidated revenues during the years ended December 31, 2015, 2014 and 2013.

Stock-Based Compensation Plans

Stock-Based Compensation Plans	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation Plans	11. Stock-Based Compensation Plans Employee Stock Purchase Plan Under the Company’s 1999 Employee Stock Purchase Plan (the “ESPP”), a total of 4,500,000 shares of the Company’s common stock have been reserved for issuance to eligible employees. Participating employees are permitted to designate up to the lesser of $25,000, or 10% of their annual base compensation, for the purchase of common stock under the ESPP. Purchases under the ESPP are made one calendar month after the end of each fiscal quarter. The price for shares of common stock purchased under the ESPP is 85% of the stock’s fair market value on the last business day of the three-month participation period. Shares issued under the ESPP during the years ended December 31, 2015, 2014 and 2013, totaled 162,058, 154,223, and 128,568, respectively. Additionally, the discount offered pursuant to the Company’s ESPP discussed above is 15%, which exceeds the 5% non-compensatory guideline in ASC 718 and exceeds the Company’s estimated cost of raising capital. Consequently, the entire 15% discount to employees is deemed to be compensatory for purposes of calculating expense using a fair value method. Compensation costs related to the ESPP for the years ended December 31, 2015, 2014 and 2013 was approximately $0.5 million, $0.5 million, and $0.3 million, respectively. On July 24, 2007, the Company’s stockholders approved a proposal to amend the ESPP to extend the term of the ESPP by ten years to April 30, 2018. The term of the amended ESPP commenced May 1, 2008 and continues until April 30, 2018 subject to earlier termination by the Company’s Board of Directors. Stock Incentive Plans – Active Plans The Company has a 2005 Equity and Performance Incentive Plan, as amended (the “2005 Incentive Plan”), under which shares of the Company’s common stock have been reserved for issuance to eligible employees or non-employee directors of the Company. The 2005 Incentive Plan provides for the grant of incentive stock options, nonqualified stock options, stock appreciation rights, restricted stock awards, performance awards and other awards. The maximum number of shares of the Company’s common stock that may be issued or transferred in connection with awards granted under the 2005 Incentive Plan is the sum of (i) 9,000,000 shares and (ii) any shares represented by outstanding options that had been granted under designated terminated stock option plans that are subsequently forfeited, expire or are canceled without delivery of the Company’s common stock. On July 24, 2007, the stockholders of the Company approved the First Amendment to the 2005 Incentive Plan which increased the number of shares authorized for issuance under the plan from 9,000,000 to 15,000,000 and contained certain other amendments, including an amendment to provide that the exercise price for any options granted under the 2005 Incentive Plan, as amended, may not be less than the market value per share of common stock on the date of grant. On June 14, 2012, the stockholders of the Company approved the Second Amendment to the 2005 Incentive Plan which increased the number of shares authorized for issuance under the plan from 15,000,000 to 23,250,000. Stock options granted pursuant to the 2005 Incentive Plan are granted at an exercise price not less than the market value per share of the Company’s common stock on the date of the grant. Prior to the adoption of the First Amendment to the 2005 Incentive Plan, stock options granted under the 2005 Incentive Plan were granted with an exercise price not less than the market value per share of common stock on the date immediately preceding the date of grant. Under the 2005 Incentive Plan, the term of the outstanding options may not exceed ten years. Vesting of options is determined by the Compensation Committee of the Board of Directors, the administrator of the 2005 Incentive Plan, and can vary based upon the individual award agreements. Supplemental options granted pursuant to the 2005 Incentive Plan are granted at an exercise price not less than the market value per share of the Company’s common stock on the date of the grant. These options vest, if at all, based upon (i) tranche one - any time after the third anniversary date if the stock has traded at 133% of the exercise price for at least 20 consecutive trading days, (ii) tranche two - any time after the fourth anniversary date if the stock has traded at 167% of the exercise price for at least 20 consecutive trading days, and (iii) tranche three - any time after the fifth anniversary date if the stock has traded at 200% of the exercise price for at least 20 consecutive trading days. The employees must also remain employed with the Company as of the anniversary date in order for the options to vest. The exercise price of the supplemental stock options is the closing market price on the date the awards were granted. Performance awards granted pursuant to the 2005 Incentive Plan become payable upon the achievement of specified management objectives. Each performance award specifies: (i) the number of performance shares or units granted, (ii) the period of time established to achieve the management objectives, which may not be less than one year from the grant date, (iii) the management objectives and a minimum acceptable level of achievement as well as a formula for determining the number of performance shares or units earned if performance is at or above the minimum level but short of full achievement of the management objectives, and (iv) any other terms deemed appropriate. Restricted stock awards granted pursuant to the 2005 Incentive Plan have requisite service periods of three and four years and vest in increments of 33% and 25%, respectively, on the anniversary of the grant date. Under each arrangement, stock is issued without direct cost to the employee. In relation to the acquisition of S1 Corporation in 2012, the Company amended the S1 Corporation 2003 Stock Incentive Plan, as previously amended and restated (the “S1 2003 Incentive Plan”). RSAs were granted to S1 employees by S1 Corporation prior to the acquisition by the Company in accordance with the terms of the Transaction Agreement (“Transaction RSAs”) under the S1 2003 Incentive Plan. All of these awards are fully vested as of December 31, 2015 and no further grants will be made under the S1 2003 Incentive Plan. Stock Incentive Plans – Terminated Plans with Options Outstanding Upon adoption of the 2005 Incentive Plan in March 2005, the Board terminated the following stock option plans of the Company: (i) the 2002 Non-Employee Director Stock Option Plan, as amended, (ii) the MDL Amended and Restated Employee Share Option Plan, as amended (iii) the 2000 Non-Employee Director Stock Option Plan, as amended (iv) the 1997 Management Stock Option Plan, as amended (v) the 1996 Stock Option Plan, as amended; and (vi) the 1994 Stock Option Plan, as amended. Termination of these stock option plans did not affect any options outstanding under these plans immediately prior to termination thereof. The Company had a 2002 Non-Employee Director Stock Option Plan that was terminated in March 2005 whereby 750,000 shares of the Company’s common stock had been reserved for issuance to eligible non-employee directors of the Company. The term of the outstanding options is ten years. All outstanding options under this plan are fully vested. The Company had a 1999 Stock Option Plan, as amended, that expired in February 2009 whereby 12,000,000 shares of the Company’s common stock had been reserved for issuance to eligible employees of the Company and its subsidiaries. The term of the outstanding options is 10 years. The options generally vest annually over a period of three or four years. All outstanding options under this plan are fully vested. A summary of stock options issued under the various Stock Incentive Plans previously described and changes is as follows: Number of Weighted- Weighted- Aggregate Outstanding, December 31, 2012 8,905,746 $ 9.05 Granted 1,208,019 19.30 Exercised (2,478,183 ) 7.81 Forfeited (225,474 ) 12.79 Expired (1,287 ) 9.65 Outstanding, December 31, 2013 7,408,821 11.02 Granted 27,132 20.13 Exercised (2,036,558 ) 8.08 Forfeited (116,702 ) 17.80 Outstanding, December 31, 2014 5,282,693 12.06 Granted 2,055,514 19.12 Exercised (1,144,273 ) 10.62 Forfeited (394,265 ) 19.06 Expired (593 ) 20.51 Outstanding, December 31, 2015 5,799,076 $ 14.37 6.27 $ 40,786,575 Exercisable, December 31, 2015 3,744,383 $ 11.67 4.82 $ 36,424,252 At December 31, 2015, we expect that 93.0% of options granted will vest over the vesting period. The weighted-average grant date fair value of stock options granted during the years ended December 31, 2015, 2014, and 2013 was $6.49, $9.02, and $8.72, respectively. The total intrinsic value of stock options exercised during the years ended December 31, 2015, 2014, and 2013 was $12.4 million, $22.8 million, and $25.5 million, respectively. The fair value of options granted in the respective fiscal years was estimated on the date of grant using the Black-Scholes option-pricing model, acceptable under ASC 718, with the following weighted-average assumptions: Years Ended December 31, 2015 2014 2013 Expected life (years) 5.9 5.9 6.2 Risk-free interest rate 1.4 % 1.8 % 1.6 % Expected volatility 32.1 % 45.2 % 46.0 % Expected dividend yield — — — Expected volatilities are based on the Company’s historical common stock volatility derived from historical stock price data for historic periods commensurate with the options’ expected life. The expected life of options granted represents the period of time that options granted are expected to be outstanding, based primarily on historical employee option exercise behavior. The risk-free interest rate is based on the implied yield currently available on United States Treasury zero coupon issues with a term equal to the expected life at the date of grant of the options. The expected dividend yield is zero as the Company has historically paid no dividends and does not anticipate dividends to be paid in the future. During the year ended December 31, 2015, the Company granted supplemental stock options with three tranches at a grant date fair value of $8.01, $7.56, and $7.00, respectively, per share that vest, if at all, based upon (i) tranche one - any time after the third anniversary date if the stock has traded at 133% of the exercise price for at least 20 consecutive trading days, (ii) tranche two - any time after the fourth anniversary date if the stock has traded at 167% of the exercise price for at least 20 consecutive trading days, and (iii) tranche three - any time after the fifth anniversary date if the stock has traded at 200% of the exercise price for at least 20 consecutive trading days. The employees must also remain employed with the Company as of the anniversary date in order for the options to vest. The exercise price of the supplemental stock options is the closing market price on the date the awards were granted. In order to determine the grant date fair value of the supplemental stock options, a Monte Carlo simulation model was used. With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions: Year Ended Expected life (years) 7.5 Risk-free interest rate 1.7 % Expected volatility 41.9 % Expected dividend yield — Stock Incentive Plan – ORCC Corporation Stock Incentive Plan, as amended and restated In relation to the acquisition of ORCC discussed in Note 2, the Company amended the ORCC Stock Incentive Plan, as previously amended and restated (the “ORCC Incentive Plan”). Stock options were granted to ORCC employees by ORCC prior to acquisition by the Company under the ORCC Incentive Plan. Outstanding ORCC options were converted into ACI options in accordance with the terms of the Transaction Agreement. These are the only equity awards currently outstanding under the ORCC Incentive Plan and no further grants will be made. A summary of transaction stock options issued pursuant to the Company’s stock incentive plans is as follows: Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2012 — $ — Transaction stock options converted upon acquisition of ORCC 112,404 30.64 Exercised (15,501 ) 13.92 Cancelled (34,458 ) 30.21 Outstanding as of December 31, 2013 62,445 35.03 Exercised (909 ) 13.92 Cancelled (15,024 ) 31.03 Outstanding as of December 31, 2014 46,512 36.73 Exercised (1,926 ) 13.92 Cancelled (23,550 ) 44.83 Outstanding as of December 31, 2015 21,036 $ 29.76 1.68 $ 37,587 Exercisable as of December 31, 2015 21,036 $ 29.76 1.68 $ 37,587 Long-term Incentive Program Performance Share Awards During the years ended December 31, 2015, 2014 and 2013, pursuant to the Company’s 2005 Incentive Plan, the Company granted LTIP Performance Shares. These LTIP Performance Shares are earned, if at all, based upon the achievement, over a specified period that must not be less than one year and is typically a three-year performance period, of performance goals related to (i) the compound annual growth over the performance period in the sales for the Company as determined by the Company, and (ii) the cumulative operating income over the performance period as determined by the Company. In no event will any of the LTIP Performance Shares become earned if the Company’s sales growth or cumulative operating income is below a predetermined minimum threshold level at the conclusion of the performance period. Assuming achievement of the predetermined sales growth and cumulative operating income threshold levels, up to 200% of the LTIP Performance Shares may be earned upon achievement of performance goals equal to or exceeding the maximum target levels for the performance goals over the performance period. Management must evaluate, on a quarterly basis, the probability that the threshold performance goals will be achieved, if at all, and the anticipated level of attainment in order to determine the amount of compensation costs to record in the consolidated financial statements. During the fourth quarter of the year ended December 31, 2013, the Company revised the expected attainment for the awards granted in fiscal 2010 from 175% to 130% due to changes in actual sales and operating income. The awards granted in fiscal 2010 vested during the first quarter of the year ended December 31, 2014 at a final attainment rate of 136%. During the fourth quarter of the year ended December 31, 2014, the Company revised the expected attainment for the awards granted in fiscal years 2012 and 2013 from 100% to 0% and 75%, respectively, due to changes in forecasted sales and operating income. During the first quarter of the year ended December 31, 2015, the Company revised the expected attainment rate for the awards granted in fiscal 2011 from 100% to 91% due to changes in actual sales and operating income. During the third quarter of the year ended December 31, 2015, the Company revised the expected attainment rate for the awards granted in fiscal 2013 from 75% to 0% due to changes in forecasted sales and operating income. The expected attainment rate for the 2012 and 2015 grants remain at 0% and 100%, respectively. At December 31, 2015, the LTIPs granted in 2012 were earned by the employees. As the expected attainment rate is 0% for the LTIPs granted in 2012, no shares are expected to be issued in the first quarter of 2016. A summary of the nonvested LTIP Performance Shares is as follows: Nonvested LTIP Performance Shares Number of Weighted- Nonvested at December 31, 2012 3,304,452 $ 9.38 Granted 798,306 20.30 Vested (982,728 ) 5.61 Forfeited (188,511 ) 12.33 Change in expected attainment for 2010 grants (212,943 ) 8.88 Nonvested at December 31, 2013 2,718,576 13.78 Granted 19,065 20.13 Vested (635,643 ) 8.88 Forfeited (111,599 ) 16.43 Change in expected attainment for 2012 and 2013 grants (844,483 ) 15.86 Nonvested at December 31, 2014 1,145,916 14.84 Granted 1,025,863 19.12 Vested (548,671 ) 9.75 Forfeited (205,510 ) 19.39 Change in expected attainment for 2011 and 2013 grants (528,303 ) 19.44 Nonvested at December 31, 2015 889,295 $ 19.13 During the years ended December 31, 2015, 2014 and 2013 the Company had 548,671, 635,643 and 982,728 LTIP shares vest, respectively. The Company withheld 196,169, 228,279, and 338,262 of those shares to pay the employees’ portion of the minimum payroll withholding taxes for the years ended December 31, 2015, 2014, and 2013, respectively. Restricted Share Awards During the years ended December 31, 2015, 2014, and 2013, pursuant to the Company’s 2005 Incentive Plan, the Company granted restricted share awards (“RSAs”). The awards have requisite service periods of three years and vest in increments of 33% on the anniversary of the grant dates. Under each arrangement, stock is issued without direct cost to the employee. The Company estimates the fair value of the RSAs based upon the market price of the Company’s stock at the date of grant. The RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for RSAs on a straight-line basis over the requisite service period. A summary of nonvested RSAs are as follows: Nonvested Restricted Share Awards Restricted Grant Date Nonvested at December 31, 2012 207,714 $ 13.67 Granted 25,989 16.10 Vested (88,638 ) 12.35 Nonvested at December 31, 2013 145,065 14.91 Granted 106,275 18.57 Vested (66,670 ) 14.59 Forfeited (1,461 ) 20.51 Nonvested at December 31, 2014 183,209 17.11 Granted 125,026 23.82 Vested (158,973 ) 17.21 Nonvested at December 31, 2015 149,262 $ 22.62 During the years ended December 31, 2015, 2014 and 2013, the Company had 158,973, 66,670, and 88,638 RSA shares vested, respectively. The Company withheld 25,235, 26,461, and 31,746 of those respective shares to pay the employees’ portion of the minimum payroll withholding taxes. Under the terms of the Transaction Agreement with S1, upon the acquisition, the S1 Transaction RSAs were converted to RSAs of the Company’s stock. These awards have requisite service periods of four years and vest in increments of 25% on the anniversary of the original grant date of November 9, 2011. If an employee was terminated without cause within 12 months of the acquisition date, the RSAs 100% vested. Stock is issued without direct cost to the employee. The RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The conversion of the Transaction RSAs was treated as a modification and as such, they were valued immediately prior to and after modification. The Company recognizes compensation expense for RSAs on a straight-line basis over the requisite service period. The incremental fair value as measure upon modification will be recognized on a straight-line basis from modification date through the end of the requisite service period. A summary of nonvested Transaction RSAs issued under the S1 2003 Stock Incentive Plan as of December 31, 2015 and changes during the period are as follows: Nonvested Transaction Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2012 150,732 $ 11.80 Vested (35,598 ) 11.80 Forfeited (57,582 ) 11.80 Nonvested as of December 31, 2013 57,552 11.80 Vested (19,822 ) 11.80 Forfeited (20,165 ) 11.80 Nonvested as of December 31, 2014 17,565 11.80 Vested (13,201 ) 11.80 Forfeited (4,364 ) 11.80 Nonvested as of December 31, 2015 — $ — During the years ended December 31, 2015, 2014 and 2013, 13,201, 19,822, and 35,598 shares of the Transaction RSAs vested, respectively. The Company withheld 3,750, 5,980, and 11,307 of those respective shares to pay the employees’ portion of the minimum payroll withholding taxes. Performance-Based Restricted Share Awards During the year ended December 31, 2015, pursuant to the Company’s 2005 Incentive Plan, the Company granted Performance-Based Restricted Share Awards (“PBRSAs”). The PBRSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. These PBRSA awards are earned, if at all, based upon the achievement of performance goals over a specific period (the “Performance Period”) and completion of the service period. The PBRSAs granted on June 9, 2015 have a graded-vesting period of three years (33% vest each year) and are subject to performance targets based on the Company’s earnings before income tax, depreciation, and amortization (“EBITDA”). The first 33% of the PBRSAs issued vest subject to meeting the EBITDA target based for the year ending December 31, 2015. The remaining 66% of the PBRSAs issued, vest 33% at the end of year two and 33% at the end of year three, subject to meeting the EBITDA target for the year ending December 31, 2016. The PBRSAs granted on September 15, 2015 have a vesting period of 1.3 years and are subject to performance targets based on the Company’s EBITDA for the year ending December 31, 2016. In no event will any of the PBRSA shares become earned if the Company’s EBITDA is below a predetermined minimum threshold level at the conclusion of the Performance Period. Assuming achievement of the predetermined EBITDA threshold level, up to 150% of the PBRSA shares may be earned upon achievement of performance goals equal to or exceeding the maximum target levels for the performance goals over the Performance Period. Management will evaluate, on a quarterly basis, the probability that the threshold performance goals will be achieved, if at all, and the anticipated level of attainment in order to determine the amount of compensation costs to record in the condensed consolidated financial statements. Through December 31, 2015, the Company has accrued compensation costs assuming an attainment level of 100% for all PBRSA grants. The Company recognizes compensation expense for PBRSAs on a straight-line basis over the requisite service periods. A summary of nonvested PBRSAs as of December 31, 2015 and changes during the period are as follows: Nonvested Performance-Based Restricted Share Awards Number of Performance-Based Weighted-Average Grant Nonvested as of December 31, 2014 — $ — Granted 978,365 23.45 Forfeited (39,502 ) 24.24 Nonvested as of December 31, 2015 938,863 $ 23.42 PAY.ON Restricted Share Awards Under the terms of the PAY.ON acquisition agreement, the Company issued PAY.ON RSAs to two key employees. The awards have requisite service periods of two years and vest in increments of 25% every six months from the date of the acquisition. The PAY.ON RSA grants provide for the payment of dividends on the Company’s common stock, if any, to the participant during the requisite service period (vesting period) and the participant has voting rights for each share of common stock. The Company recognizes compensation expense for the PAY.ON RSAs on a straight-line basis over the requisite service period. A summary of nonvested PAY.ON RSAs are as follows: Nonvested PAY.ON RSAs Number of Grant Date Nonvested at December 31, 2014 — $ — Granted 476,750 23.60 Nonvested at December 31, 2015 476,750 $ 23.60 As of December 31, 2015, there were unrecognized compensation costs of $9.6 million related to nonvested stock options, $1.8 million related to the nonvested RSAs, $11.1 million related to the LTIP performance shares, and $14.4 million related to nonvested PBRSAs, which the Company expects to recognize over weighted-average periods of 1.9 years, 1.2 years, 2.3 years, and 1.4 years, respectively. The Company recorded stock-based compensation expenses recognized under ASC 718 during the years ended December 31, 2015, 2014 and 2013 related to stock options, LTIP Performance Shares, RSAs, PBRSAs, and the ESPP of $18.4 million, $11.0 million, and $13.6 million, respectively, with corresponding tax benefits of $6.9 million, $4.2 million, and $5.2 million respectively. Tax benefits in excess of the option’s grant date fair value are classified as financing cash flows. Estimated forfeiture rates, stratified by employee classification, have been included as part of the Company’s calculations of compensation costs. The Company recognizes compensation costs for stock option awards which vest with the passage of time with only service conditions on a straight-line basis over the requisite service period. Cash received from option exercises for the year ended December 31, 2015, 2014, and 2013 was $12.2 million, $16.5 million, and $19.6 million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $4.6 million, $8.6 million, and $9.7 million, for the year ended December 31, 2015, 2014, and 2013, respectively.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	12. Employee Benefit Plans ACI 401(k) Plan The ACI 401(k) Plan is a defined contribution plan covering all domestic employees of the Company. Participants may contribute up to 75% of their annual eligible compensation up to a maximum of $18,000 (for employees who are under the age of 50 on December 31, 2015) or a maximum of $24,000 (for employees aged 50 or older on December 31, 2015). After one year of service, the Company matches participant contributions 100% on every dollar deferred to a maximum of 4% of eligible compensation contributed to the plan, not to exceed $4,000 per employee annually. Company contributions charged to expense during the years ended December 31, 2015, 2014, and 2013 was $6.1 million, $6.0 million, and $5.4 million, respectively. ACI Worldwide EMEA Group Personal Pension Scheme The ACI Worldwide EMEA Group Personal Pension Scheme is a defined contribution plan covering substantially all ACI Worldwide (EMEA) Limited (“ACI-EMEA”) employees. For those ACI-EMEA employees who elect to participate in the plan, the Company contributes a minimum of 8.5% of eligible compensation to the plan for employees employed at December 1, 2000 (up to a maximum of 15.5% for employees aged over 55 years on December 1, 2000) or from 6% to 10% of eligible compensation for employees employed subsequent to December 1, 2000. ACI-EMEA contributions charged to expense during the year ended December 31, 2015, 2014, and 2013 was $1.8 million, $1.5 million, and $1.3 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	13. Income Taxes For financial reporting purposes, income before income taxes includes the following components (in thousands): Years Ended December 31, 2015 2014 2013 United States $ 52,563 $ 47,963 $ 47,640 Foreign 60,810 50,806 45,519 Total $ 113,373 $ 98,769 $ 93,159 The expense (benefit) for income taxes consists of the following (in thousands): Years Ended December 31, 2015 2014 2013 Federal Current $ (6,889 ) $ 7,895 $ 7,509 Deferred 18,024 7,021 9,491 Total 11,135 14,916 17,000 State Current 379 1,542 2,492 Deferred (4,096 ) (2,397 ) (1,687 ) Total (3,717 ) (855 ) 805 Foreign Current 15,117 13,335 9,717 Deferred 5,402 3,813 1,769 Total 20,519 17,148 11,486 Total $ 27,937 $ 31,209 $ 29,291 Differences between the income tax expense computed at the statutory federal income tax rate and per the consolidated statements of income are summarized as follows (in thousands): Years Ended December 31, 2015 2014 2013 Tax expense at federal rate of 35% $ 39,680 $ 34,569 $ 32,606 State income taxes, net of federal benefit (2,462 ) (544 ) 675 Change in valuation allowance (9,066 ) 3,521 (1,615 ) Foreign tax rate differential (5,710 ) (5,508 ) (4,650 ) Unrecognized tax benefit increase 2,977 65 488 Tax effect of foreign operations 261 (104 ) 5,906 Acquisition Costs — 289 896 Tax benefit of research & development (871 ) (3,446 ) (4,001 ) Other 3,128 2,367 (1,014 ) Income tax provision $ 27,937 $ 31,209 $ 29,291 The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2015 are Ireland, Netherlands, South Africa and United Kingdom. The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2014 are Ireland, South Africa and United Kingdom. The countries having the greatest impact on the tax rate adjustment line shown in the above table as “Foreign tax rate differential” for the year ended December 31, 2013, are Canada, Singapore, South Africa, and United Kingdom. The deferred tax assets and liabilities result from differences in the timing of the recognition of certain income and expense items for tax and financial accounting purposes. The sources of these differences at each balance sheet date are as follows (in thousands): December 31, 2015 2014 Deferred income tax assets: Net operating loss carryforwards $ 112,193 $ 150,004 Tax credits 40,614 43,804 Compensation 25,752 24,486 Deferred revenue 25,287 13,486 Tax basis in investments 100 5,601 Other 8,246 9,712 Gross deferred income tax assets 212,192 247,093 Less: valuation allowance (18,742 ) (36,174 ) Net deferred income tax assets $ 193,450 $ 210,919 Deferred income tax liabilities: Depreciation and amortization $ (130,645 ) $ (129,825 ) Total deferred income tax liabilities (130,645 ) (129,825 ) Net deferred income taxes $ 62,805 $ 81,094 Deferred income taxes / liabilities included in the balance sheet are: Deferred income tax asset - noncurrent $ 90,872 $ 94,536 Deferred income tax liability - noncurrent (28,067 ) (13,442 ) Net deferred income taxes $ 62,805 $ 81,094 In November 2015, the FASB issued ASU No. 2015-17, which requires that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The Company has early adopted this standard and has applied the requirements retrospectively to all periods presented. The adoption of this standard resulted in the reclassification in the consolidated balance sheet as of December 31, 2014 of $44.1 million from current deferred income tax assets to noncurrent deferred income tax assets and a reclassification of $0.2 million from current deferred income tax liabilities to noncurrent deferred income tax liabilities. In assessing the realizability of deferred tax assets, the Company considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. The Company considers projected future taxable income, carryback opportunities and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, the Company believes it is more likely than not that it will realize the benefits of these deductible differences, net of the valuation allowances recorded. During the year ended December 31, 2015, the Company decreased its valuation allowance by $17.4 million which relates primarily to a reduction in valuation allowance on the Yodlee investment and a reduction in valuation allowance on domestic state and foreign net operating loses that are now expected to be utilized before they expire, partially offset by an increase in valuation allowance related to foreign tax credits. At December 31, 2015, the Company had domestic federal tax net operating losses (“NOLs”) of $273.7 million which will begin to expire in 2017. The Company had domestic state tax net operating losses (“NOLs”) of $12.4 million which will begin to expire in 2018. The Company does not have any valuation allowance against the federal tax NOLs, but has provided a $6.2 million valuation allowance against the tax benefit associated with the state NOLs. The Company had foreign tax NOLs of $31.3 million, of which $30.0 million may be utilized over an indefinite life, with the remainder expiring over the next 10 years. The Company has provided a $0.5 million valuation allowance against the tax benefit associated with the foreign NOLs. The Company had U.S. foreign tax credit carryforwards at December 31, 2015 of $31.9 million, for which a $10.7 million valuation allowance has been provided. The U.S. foreign tax credits will begin to expire in 2016. The Company also had domestic federal and state general business credit carryforwards at December 31, 2015 of $10.4 million and $1.6 million, respectively, which will begin to expire in 2020. The unrecognized tax benefit at December 31, 2015 and December 31, 2014 was $21.1 million and $14.8 million, respectively, all of which is included in other noncurrent liabilities in the consolidated balance sheet. Of these amounts, $20.0 million and $13.0 million, respectively, represent the net unrecognized tax benefits that, if recognized, would favorably impact the effective income tax rate in respective years. A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31 is as follows (in thousands): 2015 2014 2013 Balance of unrecognized tax benefits at beginning of year $ 14,780 $ 14,996 $ 13,079 Increases for tax positions of prior years 1,449 84 1,560 Decreases for tax positions of prior years (47 ) (412 ) (327 ) Increases for tax positions established for the current period 9,866 491 1,739 Decreases for settlements with taxing authorities (594 ) — (61 ) Reductions resulting from lapse of applicable statute of limitation (4,218 ) (239 ) (901 ) Adjustment resulting from foreign currency translation (157 ) (140 ) (93 ) Balance of unrecognized tax benefits at end of year $ 21,079 $ 14,780 $ 14,996 The Company files income tax returns in the U.S. federal jurisdiction, various state and local jurisdictions, and many foreign jurisdictions. The U.S., Australia, Canada, India, Ireland, South Africa, and United Kingdom are the main taxing jurisdictions in which the Company operates. The years open for audit vary depending on the tax jurisdiction. In the U.S., the Company’s tax returns for years following 2011 are open for audit. In the foreign jurisdictions, the tax returns open for audit generally vary by jurisdiction between 2002 and 2014. The Company’s Indian income tax returns covering fiscal years 2002 through 2007 and 2010 through 2013 are under audit by the Indian tax authority. Other foreign subsidiaries could face challenges from various foreign tax authorities. It is not certain that the local authorities will accept the Company’s tax positions. The Company believes its tax positions comply with applicable tax law and intends to vigorously defend its positions. However, differing positions on certain issues could be upheld by tax authorities, which could adversely affect the Company’s financial condition and results of operations. The Company believes it is reasonably possible that the total amount of unrecognized tax benefits will decrease within the next 12 months by approximately $2.0 million due to the settlement of various audits and the expiration of statutes of limitations. The Company accrues interest related to uncertain tax positions in interest expense or interest income and recognizes penalties related to uncertain tax positions in other income or other expense. As of December 31, 2015 and December 31, 2014, $2.2 million and $2.4 million, respectively is accrued for the payment of interest and penalties related to income tax liabilities. The aggregate amount of interest and penalties recorded in the statement of income for the years ended December 31, 2015, 2014, and 2013 is $(0.1) million, $0.2 million, and $0.4 million, respectively. The undistributed earnings of the Company’s foreign subsidiaries of approximately $252.8 million are considered to be permanently reinvested. Accordingly, no provision for U.S. federal and state income taxes or foreign withholding taxes has been provided for such undistributed earnings. The determination of the additional U.S. federal and state income taxes or foreign withholding taxes that have not been provided is not practicable.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	14. Commitments and Contingencies In accordance with ASC 460, Guarantees Under its customer agreements, the Company also may represent and warrant to customers that its software will operate substantially in conformance with its documentation and that the services the Company performs will be performed in a workmanlike manner, by personnel reasonably qualified by experience and expertise to perform their assigned tasks. Historically, only minimal costs have been incurred relating to the satisfaction of warranty claims. In addition, from time to time, the Company may guarantee the performance of a contract on behalf of one or more of its subsidiaries, or a subsidiary may guarantee the performance of a contract on behalf of another subsidiary. Other guarantees include promises to indemnify, defend and hold harmless the Company’s executive officers, directors and certain other key officers. The Company’s certificate of incorporation provides that it will indemnify, and advance expenses to, its directors and officers to the maximum extent permitted by Delaware law. The indemnification covers any expenses and liabilities reasonably incurred by a person, by reason of the fact that such person is or was or has agreed to be a director or officer, in connection with the investigation, defense and settlement of any threatened, pending or completed action, suit, proceeding or claim. The Company’s certificate of incorporation authorizes the use of indemnification agreements and the Company enters into such agreements with its directors and certain officers from time to time. These indemnification agreements typically provide for a broader scope of the Company’s obligation to indemnify the directors and officers than set forth in the certificate of incorporation. The Company’s contractual indemnification obligations under these agreements are in addition to the respective directors’ and officers’ rights under the certificate of incorporation or under Delaware law. Operating Leases The Company leases office space and equipment under operating leases that run through October 2028. The leases that the Company has entered into do not impose restrictions as to the Company’s ability to pay dividends or borrow funds, or otherwise restrict the Company’s ability to conduct business. On a limited basis, certain of the lease arrangements include escalation clauses which provide for rent adjustments due to inflation changes with the expense recognized on a straight-line basis over the term of the lease. Lease payments subject to inflation adjustments do not represent a significant portion of the Company’s future minimum lease payments. A number of the leases provide renewal options, but in all cases such renewal options are at the election of the Company. Certain of the lease agreements provide the Company with the option to purchase the leased equipment at its fair market value at the conclusion of the lease term. Total operating lease expense for the years ended December 31, 2015, 2014, and 2013 was $26.6 million, $26.7 million, and $30.9 million, respectively. Aggregate minimum operating lease payments under these agreements in future fiscal years are as follows (in thousands): Fiscal Year Ending December 31, Operating 2016 $ 17,261 2017 14,040 2018 13,096 2019 11,606 2020 9,183 Thereafter 21,012 Total minimum lease payments $ 86,198 Legal Proceedings On September 23, 2015, a jury verdict was returned against ACI Worldwide Corp. (“ACI Corp.”), a subsidiary of the Company, for $43.8 million in connection with counterclaims brought by Baldwin Hackett & Meeks, Inc. (“BHMI”) in the District Court of Douglas County, Nebraska. On September 21, 2012, ACI Corp. had sued BHMI for misappropriation of ACI Corp.’s trade secrets. The jury found that ACI Corp. had not met its burden of proof regarding these claims. On March 6, 2013, BHMI asserted counterclaims for breach of a non-disclosure agreement, tortious interference and violation of the Nebraska anti-monopoly statute, all of which were alleged to arise out of ACI Corp.’s filing of its lawsuit. On September 23, 2015, the jury found for BHMI on its counterclaims and awarded $43.8 million in damages. On January 5, 2016, the court entered a judgment against ACI Corp. for $43.8 million for damages and $2.7 million for attorney fees and costs. ACI Corp. disagrees with the verdicts and judgment, and ACI Corp. has filed post-judgment motions and intends to appeal the dismissal of its claims against BHMI and the verdicts and judgment in favor of BHMI on its counterclaims. While there necessarily can be no assurance of the result of the litigation, the Company has determined that it does not have a probable loss with respect to this litigation and that the amount of loss, if any, cannot be reasonably estimated. Accordingly, the Company has not accrued for this litigation. Indemnities Under certain customer contracts, the Company indemnifies customers for certain matters including third party claims of intellectual property infringement relating to the use of our products. Our maximum potential exposure under indemnification arrangements can range from a specified dollar amount to an unlimited amount, depending on the nature of the transactions and the agreements. The Company has recorded an accrual for estimated losses for demands for indemnification that have been tendered by certain customers. The Company does not have any reason to believe that we will be required to make any material payments under these indemnity provisions in excess of the balance accrued at December 31, 2015.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Accumulated Other Comprehensive Loss	15. Accumulated Other Comprehensive Loss Activity within accumulated other comprehensive loss for the three years ended December 31, 2015, 2014, and 2013 were as follows: Unrealized gain on available-for-sale Foreign Accumulated Balance at December 31, 2012 $ — $ (14,031 ) $ (14,031 ) Other comprehensive loss — (9,284 ) (9,284 ) Balance at December 31, 2013 — (23,315 ) (23,315 ) Other comprehensive income (loss) 22,977 (19,545 ) 3,432 Balance at December 31, 2014 22,977 (42,860 ) (19,883 ) Other comprehensive income (loss) (22,977 ) (28,716 ) (51,693 ) Balance at December 31, 2015 $ — $ (71,576 ) $ (71,576 )

Quarterly Financial Data

Quarterly Financial Data	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data	16. Quarterly Financial Data (unaudited) Quarter Ended Year Ended March 31, June 30, September 30, December 31, December 31, (in thousands, except per share amounts) 2015 2015 2015 2015 2015 Revenues: License $ 39,577 $ 67,161 $ 50,237 $ 94,230 $ 251,205 Maintenance 59,492 60,141 59,262 63,000 241,895 Services 23,497 23,110 25,842 34,371 106,820 Hosting 110,251 115,410 103,360 117,036 446,057 Total revenues 232,817 265,822 238,701 308,637 1,045,977 Operating expenses: Cost of license (1) 6,109 5,939 5,387 5,810 23,245 Cost of maintenance, services and hosting (1) 113,013 120,484 104,272 111,285 449,054 Research and development 37,091 39,425 36,123 33,285 145,924 Selling and marketing 28,911 31,298 28,451 40,747 129,407 General and administrative 21,575 25,008 20,284 20,552 87,419 Depreciation and amortization 19,693 20,004 20,298 22,985 82,980 Total operating expenses 226,392 242,158 214,815 234,664 918,029 Operating income 6,425 23,664 23,886 73,973 127,948 Other income (expense): Interest expense (10,941 ) (10,505 ) (9,728 ) (10,198 ) (41,372 ) Interest income 102 58 94 132 386 Other, net 3,722 19,659 4,314 (1,284 ) 26,411 Total other income (expense) (7,117 ) 9,212 (5,320 ) (11,350 ) (14,575 ) Income (loss) before income taxes (692 ) 32,876 18,566 62,623 113,373 Income tax expense (benefit) (530 ) 5,825 3,786 18,856 27,937 Net income (loss) $ (162 ) $ 27,051 $ 14,780 $ 43,767 $ 85,436 Earnings (loss) per share Basic $ 0.00 $ 0.23 $ 0.13 $ 0.37 $ 0.73 Diluted $ 0.00 $ 0.23 $ 0.12 $ 0.36 $ 0.72 (1) The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation. Quarter Ended Year Ended (in thousands, except per share amounts) March 31, June 30, September 30, December 31, December 31, Revenues: License $ 35,702 $ 61,377 $ 57,653 $ 80,425 $ 235,157 Maintenance 62,499 62,309 63,764 67,421 255,993 Services 22,588 24,991 28,194 29,811 105,584 Hosting 100,684 106,131 100,033 112,567 419,415 Total revenues 221,473 254,808 249,644 290,224 1,016,149 Operating expenses: Cost of license (1) 5,736 6,897 5,433 6,499 24,565 Cost of maintenance, services and hosting (1) 107,887 112,595 105,319 104,390 430,191 Research and development 37,456 38,876 36,321 31,554 144,207 Selling and marketing 27,909 28,007 27,078 29,053 112,047 General and administrative 25,116 24,682 25,329 19,938 95,065 Depreciation and amortization 17,078 17,010 18,295 19,519 71,902 Total operating expenses 221,182 228,067 217,775 210,953 877,977 Operating income 291 26,741 31,869 79,271 138,172 Other income (expense): Interest expense (9,175 ) (9,329 ) (10,416 ) (10,818 ) (39,738 ) Interest income 199 135 98 143 575 Other, net (1,057 ) (3,901 ) 3,614 1,104 (240 ) Total other income (expense) (10,033 ) (13,095 ) (6,704 ) (9,571 ) (39,403 ) Income (loss) before income taxes (9,742 ) 13,646 25,165 69,700 98,769 Income tax expense (benefit) (3,967 ) 2,409 9,433 23,334 31,209 Net income (loss) $ (5,775 ) $ 11,237 $ 15,732 $ 46,366 $ 67,560 Earnings (loss) per share Basic $ (0.05 ) $ 0.10 $ 0.14 $ 0.40 $ 0.59 Diluted $ (0.05 ) $ 0.10 $ 0.14 $ 0.40 $ 0.58 (1) The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

Subsequent Event

Subsequent Event	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
Subsequent Event	17. Subsequent Event On January 20, 2016, the Company and Fiserv, Inc. (“Fiserv”) entered into a definitive agreement (the “Agreement”) providing for the sale of its Community Financial Services products and their related identified assets and liabilities for $200.0 million, subject to certain working capital adjustments, on the terms and conditions described in the Agreement. The consummation of the Agreement is subject to the satisfaction of customary conditions, including the expiration of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, ACI’s delivery of specified third-party consents and the absence of a material adverse change. Either party may terminate the Agreement under certain circumstances, including, a failure of the transaction to close on or prior to June 30, 2016 or such other date as may be mutually agreed upon by the parties, and certain breaches of representations and warranties or covenants of the other party.

Nature of Business and Summar26

Nature of Business and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Nature of Business	Nature of Business 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	Consolidated Financial Statements The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Recently acquired subsidiaries that are included in the Company’s consolidated financial statements as of the date of their acquisition include: PAY.ON AG and its subsidiaries (collectively, “PAY.ON”) acquired during the year ended December 31, 2015, Retail Decisions Europe Limited (“ReD Europe”) and all its subsidiaries and Retail Decisions, Inc. (“ReD, Inc.”) (collectively “ReD”) acquired during the year ended December 31, 2014, Official Payments Holdings, Inc. (“OPAY”), Online Resources Corporation (“ORCC”), and Profesionales en Transacciones Electonicas S.A. (“PTESA”) acquired during the year ended December 31, 2013. All intercompany balances and transactions have been eliminated.
Capital Stock	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	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	Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Revenue Recognition, Receivables and Deferred Revenue	Revenue Recognition, Receivables and Deferred Revenue License. Revenue Recognition: Software 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, For software license arrangements in which a significant portion of the fee is due more than 12 months after delivery or when payment terms are significantly beyond the Company’s standard business practice, the license is deemed not to be fixed or determinable. For software license arrangements in which the fee is not considered fixed or determinable, the license is recognized as revenue as payments become due and payable, provided all other conditions for revenue recognition have been met. For software license arrangements in which the Company has concluded that collection of the fees is not probable, revenue is recognized as cash is collected, provided all other conditions for revenue recognition have been met. In making the determination of collectability, the Company considers the creditworthiness of the customer, economic conditions in the customer’s industry and geographic location, and general economic conditions. ASC 985-605 requires the seller of software that includes PCS to establish VSOE of fair value of the undelivered element of the contract in order to account separately for the PCS revenue. The Company has traditionally established VSOE of the fair value of PCS by reference to stated renewals, expressed in dollar terms, or separate sales with consistent pricing of PCS expressed in percentage terms. In determining whether a stated renewal is not substantive, the Company considers factors such as whether the period of the initial PCS term is relatively long when compared to the term of the software license or whether the PCS renewal rate is significantly below the Company’s normal pricing practices. In determining whether PCS pricing is consistent, the Company considers the population of separate sales that are within a reasonably narrow range of the median within the identified market segment over the trailing 12 month period. For those software license arrangements that include customer-specific acceptance provisions, such provisions are generally presumed to be substantive and the Company does not recognize revenue until the earlier of the receipt of a written customer acceptance, objective demonstration that the delivered product meets the customer-specific acceptance criteria or the expiration of the acceptance period. The Company recognizes revenues on such arrangements upon the earlier of receipt of written acceptance or the first production use of the software by the customer. In the absence of customer-specific acceptance provisions, software license arrangements generally grant customers a right of refund or replacement only if the licensed software does not perform in accordance with its published specifications. If the Company’s product history supports an assessment by management that the likelihood of non-acceptance is remote, the Company recognizes revenue when all other criteria of revenue recognition are met. For software license arrangements in which the Company acts as a sales agent for another company’s products, revenues are recorded on a net basis. These include arrangements in which the Company does not take title to the products, is not responsible for providing the product or service, earns a fixed commission, or assumes credit risk only to the extent of its commission. For software license arrangements in which the Company acts as a distributor of another company’s product, and in certain circumstances, modifies or enhances the product, revenues are recorded on a gross basis. These include arrangements in which the Company takes title to the products and is responsible for providing the product or service. For software license arrangements in which the Company utilizes a third-party distributor or sales agent, the Company recognizes revenue on a sell-in basis when business practices and operating history indicate that there is no risk of returns, rebates, or credits and there are no other risks related to the distributor or sales agents’ ability to honor payment or distribution commitments. For other arrangements in which any of the above factors indicate that there are risks of returns, rebates, or credits or any other risks related to the distributors’ or sales agents’ ability to honor payment or distribution commitments, the Company recognizes revenue on a sell-through basis. For software license arrangements in which the Company permits the customer to receive unspecified future software products during the software license term, the Company recognizes revenue ratably over the license term, provided all other revenue recognition criteria have been met. For software license arrangements in which the Company grants the customer a right to exchange the original software product for specified future software products with more than minimal differences in features, functionality, and/or price, during the license term, revenue is recognized upon the earlier of delivery of the additional software products or at the time the exchange right lapses. For customers granted a right to exchange the original software product for specified future software products where the Company has determined price, feature, and functionality differences are minimal, the exchange right is accounted for as a like-kind exchange and revenue is recognized upon delivery of the currently licensed product. For software license arrangements in which the customer is charged variable license fees based on usage of the product, the Company recognizes revenue as usage occurs over the term of the licenses, provided all other revenue recognition criteria have been met. Certain of the Company’s software license arrangements include PCS terms that fail to achieve VSOE of fair value due to non-substantive renewal periods, or contain a range of possible non-substantive PCS renewal amounts. For these arrangements, VSOE of fair value of PCS does not exist and revenues for the software license, PCS and services, if applicable, are considered to be one accounting unit and are therefore recognized ratably over the longer of the contractual service term or PCS term once the delivery of both services has commenced. The Company typically classifies revenues associated with these arrangements in accordance with the contractually specified amounts, which approximate fair value assigned to the various elements, including software license, maintenance and services, if applicable. This allocation methodology has been applied to the following amounts included in revenues in the consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element (in thousands): Years Ended December 31, 2015 2014 2013 License $ 7,797 $ 22,211 $ 22,190 Maintenance 3,801 7,699 9,649 Services 321 13 10 Total $ 11,919 $ 29,923 $ 31,849 Maintenance. 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. 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 Revenue Recognition – Multiple-Element Arrangements, The Company enters into hosting-related arrangements that may consist of multiple service deliverables including initial implementation and setup services, on-going support services, and other services. The Company’s hosted products operate in a highly regulated and controlled environment which requires a highly specialized and unique set of initial implementation and setup services prior to the commencement of hosting-related services. Due to the essential and specialized nature of the implementation and setup services, these services do not qualify as separate units of accounting separate from the hosting service as the delivered services do not have value to the customer on a stand-alone basis. The on-going support and other services are considered as separate units of accounting as are add-on products that do not impact the availability of functionality currently in use. The total arrangement consideration is allocated to each of the separate units of accounting based on their relative selling price and revenue is recognized over their respective service periods. Hosting revenue also includes fees paid by our clients as a part of the acquired electronic bill presentment and payment products. Fees may be paid by our clients or directly by their customers and may be a percentage of the underlying transaction amount, a fixed fee per executed transaction or a monthly fee for each customer enrolled. Hosting costs include payment card interchange fees, assessments payable to banks and payment card processing fees. Multiple Arrangements. Deferred Revenue. Receivables and Concentration of Credit Risk. December 31, 2015 2014 Billed Receivables $ 192,045 $ 200,392 Allowance for doubtful accounts (5,045 ) (4,806 ) Billed, net 187,000 195,586 Accrued Receivables 32,116 31,520 Receivables, net $ 219,116 $ 227,106 No customer accounted for more than 10% of the Company’s consolidated receivables balance as of December 31, 2015 or 2014. The Company maintains a general allowance for doubtful accounts based on historical experience, along with additional customer -specific allowances. The Company regularly monitors credit risk exposures in accounts receivable. In estimating the necessary level of our allowance for doubtful accounts, management considers the aging of accounts receivable, the creditworthiness of customers, economic conditions within the customer’s industry, and general economic conditions, among other factors. The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands): Years Ended December 31, 2015 2014 2013 Balance, beginning of period $ (4,806 ) $ (4,459 ) $ (8,117 ) Provision (increase) decrease (2,425 ) (1,049 ) 1,161 Amounts written off, net of recoveries 2,088 1,053 2,296 Foreign currency translation adjustments and other 98 (351 ) 201 Balance, end of period $ (5,045 ) $ (4,806 ) $ (4,459 ) Provision (increases) decreases recorded in general and administrative expenses during the years ended December 31, 2015, 2014, 2013, reflect increases (decreases) in the allowance for doubtful accounts based upon collection experience in the geographic regions in which the Company conducts business, net of collection of customer-specific receivables which were previously reserved for as doubtful of collection.
Cash and Cash Equivalents	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	Other Current Assets and Other Current Liabilities December 31, 2015 2014 Settlement deposits $ 5,357 $ 13,252 Settlement receivables 7,961 11,032 Current debt issuance costs 5,583 6,244 Other 8,319 9,889 Total other current assets $ 27,220 $ 40,417 December 31, 2015 2014 Settlement payables $ 11,250 $ 21,715 Accrued interest 7,501 7,256 Vendor financed licenses 15,723 7,340 Royalties payable 4,910 4,070 Other 35,841 27,124 Total other current liabilities $ 75,225 $ 67,505 Individuals and businesses settle their obligations to the Company’s various Clients, primarily utility and other public sector Clients, using credit or debit cards or via ACH payments. The Company creates a receivable for the amount due from the credit or debit card company and an offsetting payable to the Client. Once confirmation is received that the funds have been received, the Company settles the obligation to the Client. Due to timing, in some instances, the Company may receive the funds into bank accounts controlled by and in the Company’s name that are not disbursed to its Clients by the end of the day resulting in a settlement deposit on the Company’s books.
Off Balance Sheet Settlement Accounts	Off Balance Sheet Settlement Accounts The Company also enters into agreements with certain clients to process payment funds on their behalf. When an automated clearing house or automated teller machine network payment transaction is processed, a transaction is initiated to withdraw funds from the designated source account and deposit them into a settlement account, which is a trust account maintained for the benefit of the Company’s clients. A simultaneous transaction is initiated to transfer funds from the settlement account to the intended destination account. These “back to back” transactions are designed to settle at the same time, usually overnight, such that the Company receives the funds from the source at the same time as it sends the funds to their destination. However, due to the transactions being with various financial institutions there may be timing differences that result in float balances. These funds are maintained in accounts for the benefit of the client which is separate from the Company’s corporate assets. As the Company does not take ownership of the funds, the settlement accounts are not included in the Company’s balance sheet. The Company is entitled to interest earned on the fund balances. The collection of interest on these settlement accounts is considered in the Company’s determination of its fee structure for clients and represents a portion of the payment for services performed by the Company. The amount of settlement funds as of December 31, 2015 and 2014 were $260.2 million and $224.9 million, respectively.
Property and Equipment	Property and Equipment Property and equipment are stated at cost. Depreciation of these assets is generally computed using the straight-line method over their estimated useful lives based on asset class. As of December 31, 2015 and 2014, net property and equipment consisted of the following (in thousands): Useful Lives 2015 2014 Computer and office equipment 3 to 5 years $ 92,237 $ 81,850 Leasehold improvements Lesser of useful life of improvement or remaining life of lease 19,380 17,193 Furniture and fixtures 7 years 11,304 11,202 Building and improvements 7 - 30 years 10,340 8,884 Land Non-depreciable 1,785 1,785 135,046 120,914 Less: accumulated depreciation and amortization (74,416 ) (60,554 ) Property and equipment, net $ 60,630 $ 60,360
Software	Software 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 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	Business Combinations The Company applies the provisions of ASC 805, Business Combinations 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	Goodwill and Other Intangibles In accordance with ASC 350, Intangibles – Goodwill and Other In accordance with ASC 350, the Company assesses goodwill for impairment annually during the fourth quarter of its fiscal year using October 1 balances or when there is evidence that events or changes in circumstances indicate that the carrying amount of the asset may not be recovered. The Company evaluates goodwill at the reporting unit level and has identified its reportable segments, Americas, Europe/Middle East/Africa (“EMEA”), and Asia/Pacific, as its reporting units. Recoverability of goodwill is measured using a discounted cash flow model incorporating discount rates commensurate with the risks involved. Use of a discounted cash flow model is common practice in impairment testing in the absence of available transactional market evidence to determine the fair value. The key assumptions used in the discounted cash flow valuation model include discount rates, growth rates, cash flow projections and terminal value rates. Discount rates, growth rates and cash flow projections are the most sensitive and susceptible to change as they require significant management judgment. Discount rates are determined by using a weighted average cost of capital (“WACC”). The WACC considers market and industry data as well as Company-specific risk factors. Operational management, considering industry and Company-specific historical and projected data, develops growth rates and cash flow projections for each reporting unit. Terminal value rate determination follows common methodology of capturing the present value of perpetual cash flow estimates beyond the last projected period assuming a constant WACC and low long-term growth rates. If the calculated fair value is less than the current carrying value, impairment of the reporting unit may exist. If the recoverability test indicates potential impairment, the Company calculates an implied fair value of goodwill for the reporting unit. The implied fair value of goodwill is determined in a manner similar to how goodwill is calculated in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded to write down the carrying value. The calculated fair value substantially exceeded the current carrying value for all reporting units for all periods. Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands): Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2013 $ 488,698 $ 160,158 $ 67,793 $ 716,649 Total impairment prior to December 31, 2013 (47,432 ) — — (47,432 ) Balance, December 31, 2013 441,266 160,158 67,793 669,217 Goodwill from acquisitions (1) 36,623 84,515 — 121,138 Foreign currency translation adjustments (1,407 ) (4,370 ) (3,415 ) (9,192 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (2) 2,462 139,825 — 142,287 Foreign currency translation adjustments (1,803 ) (3,301 ) (5,085 ) (10,189 ) Balance, December 31, 2015 $ 477,141 $ 376,827 $ 59,293 $ 913,261 (1) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions (2) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period. Other intangible assets, which include customer relationships, purchased contracts, trademarks and trade names, and covenants not to compete, are amortized using the straight-line method over periods ranging from three years to 20 years. The Company reviews its intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable.
Impairment of Long-Lived Assets	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	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	Stock-Based Compensation Plans In accordance with ASC 718, Compensation – Stock Compensation Stock-Based Compensation Plans
Translation of Foreign Currencies	Translation of Foreign Currencies The Company’s foreign subsidiaries typically use the local currency of the countries in which they are located as their functional currency. Their assets and liabilities are translated into United States dollars at the exchange rates in effect at the balance sheet date. Revenues and expenses are translated at the average exchange rates during the period. Translation gains and losses are reflected in the consolidated financial statements as a component of accumulated other comprehensive income (loss). Transaction gains and losses, including those related to intercompany accounts, that are not considered to be of a long-term investment nature are included in the determination of net income. Transaction gains and losses, including those related to intercompany accounts, that are considered to be of a long-term investment nature are reflected in the consolidated financial statements as a component of accumulated other comprehensive income. Since the undistributed earnings of the Company’s foreign subsidiaries are considered to be indefinitely reinvested, the components of accumulated other comprehensive income have not been tax-effected.
Income Taxes	Income Taxes The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the expected future tax consequences of temporary differences between the financial reporting and tax bases of assets and liabilities. Deferred tax assets are reduced by a valuation allowance when it is more likely than not that some portion or all of the deferred tax assets will not be realized. The Company periodically assesses its tax exposures and establishes, or adjusts, estimated unrecognized tax benefits for probable assessments by taxing authorities, including the Internal Revenue Service (“IRS”), and various foreign and state authorities. Such unrecognized tax benefits represent the estimated provision for income taxes expected to ultimately be paid.
Recently Issued Accounting Standards	Recently Issued Accounting Standards In November 2015, the FASB issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classificiation of Deferred Taxes Income Taxes In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, In April 2015, the FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (“ASC 606”) Revenue Recognition
Fair Value of Financial Instruments	ASC 820, Fair Value Measurements and Disclosures • 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	Earnings per share is computed in accordance with ASC 260, Earnings per Share
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.

Nature of Business and Summar27

Nature of Business and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Revenues in Condensed Consolidated Statements of Operations from Arrangements for which Vendor-Specific Objective Evidence of Fair Value Does Not Exist for Each Undelivered Element	This allocation methodology has been applied to the following amounts included in revenues in the consolidated statements of income from arrangements for which VSOE of fair value does not exist for each undelivered element (in thousands): Years Ended December 31, 2015 2014 2013 License $ 7,797 $ 22,211 $ 22,190 Maintenance 3,801 7,699 9,649 Services 321 13 10 Total $ 11,919 $ 29,923 $ 31,849
Receivables and Concentration of Credit Risk	Receivables and Concentration of Credit Risk. December 31, 2015 2014 Billed Receivables $ 192,045 $ 200,392 Allowance for doubtful accounts (5,045 ) (4,806 ) Billed, net 187,000 195,586 Accrued Receivables 32,116 31,520 Receivables, net $ 219,116 $ 227,106
Activity in Allowance for Doubtful Accounts Receivable	The following reflects activity in the Company’s allowance for doubtful accounts receivable (in thousands): Years Ended December 31, 2015 2014 2013 Balance, beginning of period $ (4,806 ) $ (4,459 ) $ (8,117 ) Provision (increase) decrease (2,425 ) (1,049 ) 1,161 Amounts written off, net of recoveries 2,088 1,053 2,296 Foreign currency translation adjustments and other 98 (351 ) 201 Balance, end of period $ (5,045 ) $ (4,806 ) $ (4,459 )
Components of Other Current Assets and Other Current Liabilities	Other Current Assets and Other Current Liabilities December 31, 2015 2014 Settlement deposits $ 5,357 $ 13,252 Settlement receivables 7,961 11,032 Current debt issuance costs 5,583 6,244 Other 8,319 9,889 Total other current assets $ 27,220 $ 40,417 December 31, 2015 2014 Settlement payables $ 11,250 $ 21,715 Accrued interest 7,501 7,256 Vendor financed licenses 15,723 7,340 Royalties payable 4,910 4,070 Other 35,841 27,124 Total other current liabilities $ 75,225 $ 67,505
Property and Equipment Estimated Useful Lives	As of December 31, 2015 and 2014, net property and equipment consisted of the following (in thousands): Useful Lives 2015 2014 Computer and office equipment 3 to 5 years $ 92,237 $ 81,850 Leasehold improvements Lesser of useful life of improvement or remaining life of lease 19,380 17,193 Furniture and fixtures 7 years 11,304 11,202 Building and improvements 7 - 30 years 10,340 8,884 Land Non-depreciable 1,785 1,785 135,046 120,914 Less: accumulated depreciation and amortization (74,416 ) (60,554 ) Property and equipment, net $ 60,630 $ 60,360
Changes in Carrying Amount of Goodwill	Changes in the carrying amount of goodwill attributable to each reporting unit with goodwill balances during the years ended December 31, 2015 and 2014, were as follows (in thousands): Americas EMEA Asia/ Pacific Total Gross Balance prior to December 31, 2013 $ 488,698 $ 160,158 $ 67,793 $ 716,649 Total impairment prior to December 31, 2013 (47,432 ) — — (47,432 ) Balance, December 31, 2013 441,266 160,158 67,793 669,217 Goodwill from acquisitions (1) 36,623 84,515 — 121,138 Foreign currency translation adjustments (1,407 ) (4,370 ) (3,415 ) (9,192 ) Balance, December 31, 2014 476,482 240,303 64,378 781,163 Goodwill from acquisitions (2) 2,462 139,825 — 142,287 Foreign currency translation adjustments (1,803 ) (3,301 ) (5,085 ) (10,189 ) Balance, December 31, 2015 $ 477,141 $ 376,827 $ 59,293 $ 913,261 (1) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions (2) Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period.

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2015
PAY.ON
Purchase Price of Pay.ON at Acquisition Date	The purchase price of PAY.ON as of the date of the acquisition was comprised of (in thousands): Amount Cash payments to PAY.ON shareholders $ 180,994 Issuance of ACI common stock 5,379 Total purchase price $ 186,373
Fiscal 2015 Acquisitions
Preliminary Purchase Price Allocation	In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015. The purchase price allocation for PAY.ON is considered preliminary and is subject to completion of valuations and other analyses. (in thousands, except weighted average useful lives) Weighted-Average PAY.ON Current assets: Cash and cash equivalents $ 1,627 Receivables, net of allowance 2,658 Other current assets 581 Total current assets acquired 4,866 Noncurrent assets: Property and equipment 424 Goodwill 140,015 Software 5 years 34,213 Customer relationships 15 years 22,418 Trademarks 5 years 2,500 Other noncurrent assets 6 Total assets acquired 204,442 Current liabilities: Accounts payable 1,125 Employee compensation 555 Other current liabilities 1,115 Total current liabilities acquired 2,795 Noncurrent liabilities: Deferred income taxes 15,274 Total liabilities acquired 18,069 Net assets acquired $ 186,373
Retail Decisions [Member]
Preliminary Purchase Price Allocation	In connection with the acquisition, the Company recorded the following amounts based upon its purchase price allocation as of December 31, 2015. (in thousands, except weighted average useful lives) Weighted-Average Retail Current assets: Cash and cash equivalents $ 795 Receivables, net of allowance 10,106 Deferred income taxes, net 514 Other current assets 10,282 Total current assets acquired 21,697 Noncurrent assets: Property and equipment 3,354 Goodwill 137,915 Software 5-7 years 33,136 Customer relationships 18 years 50,480 Trademarks 5 years 3,980 Deferred income taxes 51 Other noncurrent assets 416 Total assets acquired 251,029 Current liabilities: Accounts payable 4,624 Employee compensation 6,046 Other current liabilities 11,683 Total current liabilities acquired 22,353 Noncurrent liabilities: Deferred income taxes 23,427 Other noncurrent liabilities 164 Total liabilities acquired 45,944 Net assets acquired $ 205,085
Fiscal 2013 Acquisitions
Preliminary Purchase Price Allocation	In connection with the 2013 acquisitions, the Company recorded the following amounts based upon its purchase price allocations as of December 31, 2014 (in thousands, except weighted-average useful lives): Weighted-Average Useful Lives Official Online PTESA Current assets: Cash and cash equivalents $ 25,871 $ 9,930 $ 193 Billed and accrued receivables, net 2,858 19,394 327 Deferred income taxes, net 4,692 11,726 — Other current assets 27,642 17,643 95 Total current assets acquired 61,063 58,693 615 Noncurrent assets: Property and equipment 6,340 7,335 6 Goodwill 29,236 122,247 7,113 Software 10 years 26,125 62,215 — Customer relationships 14 - 15 years 47,400 68,750 7,732 Trademarks 3 - 5 years 3,000 3,050 — Other noncurrent assets 19,178 459 7 Total assets acquired 192,342 322,749 15,473 Current liabilities: Accounts payable 9,414 15,394 341 Accrued employee compensation 15,006 10,549 261 Note payable — 7,500 — Other current liabilities 27,312 7,559 — Total current liabilities acquired 51,732 41,002 602 Noncurrent liabilities: Deferred income taxes, net — 18,290 225 Other noncurrent liabilities acquired 828 3,339 439 Total liabilities acquired 52,560 62,631 1,266 Net assets acquired $ 139,782 $ 260,118 $ 14,207

Software and Other Intangible29

Software and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Carrying Amount and Accumulated Amortization of Other Intangible Assets	The carrying amount and accumulated amortization of the Company’s other intangible assets that were subject to amortization at each balance sheet date are as follows (in thousands): December 31, 2015 December 31, 2014 Gross Accumulated Net Balance Gross Accumulated Net Balance Customer relationships $ 336,075 $ (86,585 ) $ 249,490 $ 322,216 $ (68,616 ) $ 253,600 Trademarks and tradenames 18,040 (10,605 ) 7,435 15,767 (7,946 ) 7,821 Purchased Contracts 10,690 (10,690 ) — 10,768 (10,768 ) — Covenant not to compete 420 (420 ) — 433 (418 ) 15 $ 365,225 $ (108,300 ) $ 256,925 $ 349,184 $ (87,748 ) $ 261,436
Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Software and Other Intangible Assets	Based on capitalized intangible assets at December 31, 2015, and assuming no impairment of these intangible assets, estimated amortization expense amounts in future fiscal years are as follows (in thousands): Fiscal Year Ending December 31, Software Other 2016 $ 59,446 $ 23,242 2017 51,795 21,742 2018 39,812 21,234 2019 30,934 20,645 2020 26,451 19,722 Thereafter 29,503 150,340 Total $ 237,941 $ 256,925

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Maturities on Long-Term Debt Outstanding	Maturities on long-term debt outstanding at December 31, 2015 are as follows (amounts in thousands): Fiscal year ending December 31, 2016 $ 95,293 2017 95,293 2018 447,997 2019 — 2020 300,000 Total $ 938,583
Carrying Value of Debt	December 31, 2015 2014 Term credit facility $ 460,583 $ 547,935 Revolving credit facility 178,000 44,000 6.375% Senior Notes, due August 2020 300,000 300,000 Total debt 938,583 891,935 Less current portion of term credit facility 95,293 87,352 Total long-term debt $ 843,290 $ 804,583

Corporate Restructuring and O31

Corporate Restructuring and Other Organizational Changes (Tables)	12 Months Ended
	Dec. 31, 2015
Restructuring and Related Activities [Abstract]
Components of Corporate Restructuring and Other Reorganization Activities from Recent Acquisitions	The components of corporate restructuring and other reorganization activities from the recent acquisitions are included in the following table (in thousands): Severance Facility Total Balance, December 31, 2013 $ 1,470 $ 1,871 $ 3,341 Restructuring charges (adjustments) incurred, net 8,671 (136 ) 8,535 Amounts paid during the period (7,741 ) (1,283 ) (9,024 ) Foreign currency translation adjustments (59 ) — (59 ) Balance, December 31, 2014 2,341 452 2,793 Restructuring charges (adjustments) incurred, net 1,339 — 1,339 Amounts paid during the period (2,872 ) (184 ) (3,056 ) Foreign currency translation adjustments (31 ) — (31 ) Balance, December 31, 2015 $ 777 $ 268 $ 1,045

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Reconciliation of Average Share Amounts used to Compute Both Basic and Diluted Earnings Per Share	The following table reconciles the average share amounts used to compute both basic and diluted earnings per share (in thousands): Years Ended December 31, 2015 2014 2013 Weighted average shares outstanding: Basic weighted average shares outstanding 117,465 114,798 117,885 Add: Dilutive effect of stock options, restricted stock awards and other dilutive securities 1,454 1,973 2,169 Diluted weighted average shares outstanding 118,919 116,771 120,054

Other, net (Tables)

Other, net (Tables)	12 Months Ended
	Dec. 31, 2015
Other Income and Expenses [Abstract]
Other, Net	Other, net is comprised of the following items (in thousands): Years Ended December 31, 2015 2014 2013 Foreign currency transaction gains (losses) $ 1,946 $ (67 ) $ (2,697 ) Realized gain on available-for-sale securities 24,465 — — Other — (173 ) (630 ) Total $ 26,411 $ (240 ) $ (3,327 )

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Selected Segment Financial Data, Revenues and Income (Loss) Before Income Taxes	The following is selected segment financial data for the periods indicated (in thousands): Years Ended December 31, 2015 2014 2013 Revenues: Americas - United States $ 628,013 $ 614,488 $ 450,251 Americas - Other 82,548 87,279 91,639 EMEA 250,568 230,879 228,679 Asia/Pacific 84,848 83,503 94,359 $ 1,045,977 $ 1,016,149 $ 864,928 Depreciation and amortization expense: Americas $ 24,966 $ 20,548 $ 17,030 EMEA 3,670 4,126 6,310 Asia/Pacific 1,751 1,809 2,574 Corporate 67,044 60,200 44,053 $ 97,431 $ 86,683 $ 69,967 Stock-based compensation expense: Americas $ 1,638 $ 2,910 $ 2,392 EMEA 1,223 419 759 Asia/Pacific 36 249 293 Corporate 15,483 7,467 10,128 $ 18,380 $ 11,045 $ 13,572 Income (loss) before taxes: Americas $ 111,382 $ 143,379 $ 145,496 EMEA 132,518 116,120 87,522 Asia/Pacific 41,658 38,853 33,923 Corporate (172,185 ) (199,583 ) (173,782 ) $ 113,373 $ 98,769 $ 93,159
Selected Segment Financial Data, Assets	December 31, 2015 2014 Long lived assets: Americas - United States $ 923,871 $ 929,459 Americas - Other 11,643 15,337 EMEA 502,785 360,033 Asia/Pacific 72,957 77,416 $ 1,511,256 $ 1,382,245 December 31, 2015 2014 Total assets: Americas - United States $ 1,196,733 $ 1,210,673 Americas - Other 33,492 32,595 EMEA 643,275 487,629 Asia/Pacific 116,712 119,803 $ 1,990,212 $ 1,850,700
Revenues, by Product Line	Following are revenues, by product and services (in thousands): Years Ended December 31, 2015 2014 2013 Retail payments processing $ 402,454 $ 406,023 $ 410,200 Billers 241,949 235,039 101,981 Online banking and community financial services 219,698 227,659 223,902 Tools and infrastructure 42,783 40,427 38,241 Wholesale banking payments 41,545 37,879 35,396 Payment fraud management 27,373 36,235 37,136 Card and merchant management 70,175 32,887 18,072 Total $ 1,045,977 $ 1,016,149 $ 864,928

Stock-Based Compensation Plans

Stock-Based Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions	A summary of stock options issued under the various Stock Incentive Plans previously described and changes is as follows: Number of Weighted- Weighted- Aggregate Outstanding, December 31, 2012 8,905,746 $ 9.05 Granted 1,208,019 19.30 Exercised (2,478,183 ) 7.81 Forfeited (225,474 ) 12.79 Expired (1,287 ) 9.65 Outstanding, December 31, 2013 7,408,821 11.02 Granted 27,132 20.13 Exercised (2,036,558 ) 8.08 Forfeited (116,702 ) 17.80 Outstanding, December 31, 2014 5,282,693 12.06 Granted 2,055,514 19.12 Exercised (1,144,273 ) 10.62 Forfeited (394,265 ) 19.06 Expired (593 ) 20.51 Outstanding, December 31, 2015 5,799,076 $ 14.37 6.27 $ 40,786,575 Exercisable, December 31, 2015 3,744,383 $ 11.67 4.82 $ 36,424,252
Summary of Nonvested Restricted Share Awards and Changes During Period	A summary of nonvested RSAs are as follows: Nonvested Restricted Share Awards Restricted Grant Date Nonvested at December 31, 2012 207,714 $ 13.67 Granted 25,989 16.10 Vested (88,638 ) 12.35 Nonvested at December 31, 2013 145,065 14.91 Granted 106,275 18.57 Vested (66,670 ) 14.59 Forfeited (1,461 ) 20.51 Nonvested at December 31, 2014 183,209 17.11 Granted 125,026 23.82 Vested (158,973 ) 17.21 Nonvested at December 31, 2015 149,262 $ 22.62
Online Resources Corporation
Summary of Transaction Stock Options Issued Pursuant to Stock Incentive Plans	A summary of transaction stock options issued pursuant to the Company’s stock incentive plans is as follows: Number of Weighted- Weighted- Aggregate Outstanding as of December 31, 2012 — $ — Transaction stock options converted upon acquisition of ORCC 112,404 30.64 Exercised (15,501 ) 13.92 Cancelled (34,458 ) 30.21 Outstanding as of December 31, 2013 62,445 35.03 Exercised (909 ) 13.92 Cancelled (15,024 ) 31.03 Outstanding as of December 31, 2014 46,512 36.73 Exercised (1,926 ) 13.92 Cancelled (23,550 ) 44.83 Outstanding as of December 31, 2015 21,036 $ 29.76 1.68 $ 37,587 Exercisable as of December 31, 2015 21,036 $ 29.76 1.68 $ 37,587
Black-Scholes Option-Pricing Model [Member]
Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions	The fair value of options granted in the respective fiscal years was estimated on the date of grant using the Black-Scholes option-pricing model, acceptable under ASC 718, with the following weighted-average assumptions: Years Ended December 31, 2015 2014 2013 Expected life (years) 5.9 5.9 6.2 Risk-free interest rate 1.4 % 1.8 % 1.6 % Expected volatility 32.1 % 45.2 % 46.0 % Expected dividend yield — — —
Monte Carlo Simulation [Member]
Estimated Fair Value of Options Granted Pricing Model with Weighted-Average Assumptions	With respect to options granted that vest based on the achievement of certain market conditions, the grant date fair value of such options was estimated using the following weighted-average assumptions: Year Ended Expected life (years) 7.5 Risk-free interest rate 1.7 % Expected volatility 41.9 % Expected dividend yield —
LTIP Performance Shares [Member]
Summary of Nonvested Performance-Based Share Awards and Changes During Period	A summary of the nonvested LTIP Performance Shares is as follows: Nonvested LTIP Performance Shares Number of Weighted- Nonvested at December 31, 2012 3,304,452 $ 9.38 Granted 798,306 20.30 Vested (982,728 ) 5.61 Forfeited (188,511 ) 12.33 Change in expected attainment for 2010 grants (212,943 ) 8.88 Nonvested at December 31, 2013 2,718,576 13.78 Granted 19,065 20.13 Vested (635,643 ) 8.88 Forfeited (111,599 ) 16.43 Change in expected attainment for 2012 and 2013 grants (844,483 ) 15.86 Nonvested at December 31, 2014 1,145,916 14.84 Granted 1,025,863 19.12 Vested (548,671 ) 9.75 Forfeited (205,510 ) 19.39 Change in expected attainment for 2011 and 2013 grants (528,303 ) 19.44 Nonvested at December 31, 2015 889,295 $ 19.13
S1 Corporation 2003 Stock Incentive Plan [Member]
Summary of Nonvested Restricted Share Awards and Changes During Period	A summary of nonvested Transaction RSAs issued under the S1 2003 Stock Incentive Plan as of December 31, 2015 and changes during the period are as follows: Nonvested Transaction Restricted Share Awards Number of Weighted-Average Grant Nonvested as of December 31, 2012 150,732 $ 11.80 Vested (35,598 ) 11.80 Forfeited (57,582 ) 11.80 Nonvested as of December 31, 2013 57,552 11.80 Vested (19,822 ) 11.80 Forfeited (20,165 ) 11.80 Nonvested as of December 31, 2014 17,565 11.80 Vested (13,201 ) 11.80 Forfeited (4,364 ) 11.80 Nonvested as of December 31, 2015 — $ —
Performance-Based Restricted Share Awards
Summary of Nonvested Performance-Based Share Awards and Changes During Period	A summary of nonvested PBRSAs as of December 31, 2015 and changes during the period are as follows: Nonvested Performance-Based Restricted Share Awards Number of Performance-Based Weighted-Average Grant Nonvested as of December 31, 2014 — $ — Granted 978,365 23.45 Forfeited (39,502 ) 24.24 Nonvested as of December 31, 2015 938,863 $ 23.42
Restricted share awards (RSAs) [Member] | PAY.ON
Summary of Nonvested Restricted Share Awards and Changes During Period	A summary of nonvested PAY.ON RSAs are as follows: Nonvested PAY.ON RSAs Number of Grant Date Nonvested at December 31, 2014 — $ — Granted 476,750 23.60 Nonvested at December 31, 2015 476,750 $ 23.60

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Components of Income Before Income Taxes	For financial reporting purposes, income before income taxes includes the following components (in thousands): Years Ended December 31, 2015 2014 2013 United States $ 52,563 $ 47,963 $ 47,640 Foreign 60,810 50,806 45,519 Total $ 113,373 $ 98,769 $ 93,159
Income Tax Expense (Benefit)	The expense (benefit) for income taxes consists of the following (in thousands): Years Ended December 31, 2015 2014 2013 Federal Current $ (6,889 ) $ 7,895 $ 7,509 Deferred 18,024 7,021 9,491 Total 11,135 14,916 17,000 State Current 379 1,542 2,492 Deferred (4,096 ) (2,397 ) (1,687 ) Total (3,717 ) (855 ) 805 Foreign Current 15,117 13,335 9,717 Deferred 5,402 3,813 1,769 Total 20,519 17,148 11,486 Total $ 27,937 $ 31,209 $ 29,291
Summary of Differences Between Income Tax Expense Computed at Statutory Federal Income Tax Rate and Per Consolidated Statements of Income	Differences between the income tax expense computed at the statutory federal income tax rate and per the consolidated statements of income are summarized as follows (in thousands): Years Ended December 31, 2015 2014 2013 Tax expense at federal rate of 35% $ 39,680 $ 34,569 $ 32,606 State income taxes, net of federal benefit (2,462 ) (544 ) 675 Change in valuation allowance (9,066 ) 3,521 (1,615 ) Foreign tax rate differential (5,710 ) (5,508 ) (4,650 ) Unrecognized tax benefit increase 2,977 65 488 Tax effect of foreign operations 261 (104 ) 5,906 Acquisition Costs — 289 896 Tax benefit of research & development (871 ) (3,446 ) (4,001 ) Other 3,128 2,367 (1,014 ) Income tax provision $ 27,937 $ 31,209 $ 29,291
Deferred Tax Assets and Liabilities Result from Differences in Timing of Recognition of Certain Income and Expense Items for Tax and Financial Accounting Purposes	The deferred tax assets and liabilities result from differences in the timing of the recognition of certain income and expense items for tax and financial accounting purposes. The sources of these differences at each balance sheet date are as follows (in thousands): December 31, 2015 2014 Deferred income tax assets: Net operating loss carryforwards $ 112,193 $ 150,004 Tax credits 40,614 43,804 Compensation 25,752 24,486 Deferred revenue 25,287 13,486 Tax basis in investments 100 5,601 Other 8,246 9,712 Gross deferred income tax assets 212,192 247,093 Less: valuation allowance (18,742 ) (36,174 ) Net deferred income tax assets $ 193,450 $ 210,919 Deferred income tax liabilities: Depreciation and amortization $ (130,645 ) $ (129,825 ) Total deferred income tax liabilities (130,645 ) (129,825 ) Net deferred income taxes $ 62,805 $ 81,094 Deferred income taxes / liabilities included in the balance sheet are: Deferred income tax asset - noncurrent $ 90,872 $ 94,536 Deferred income tax liability - noncurrent (28,067 ) (13,442 ) Net deferred income taxes $ 62,805 $ 81,094
Reconciliation of Beginning and Ending Amount of Unrecognized Tax Benefits	A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31 is as follows (in thousands): 2015 2014 2013 Balance of unrecognized tax benefits at beginning of year $ 14,780 $ 14,996 $ 13,079 Increases for tax positions of prior years 1,449 84 1,560 Decreases for tax positions of prior years (47 ) (412 ) (327 ) Increases for tax positions established for the current period 9,866 491 1,739 Decreases for settlements with taxing authorities (594 ) — (61 ) Reductions resulting from lapse of applicable statute of limitation (4,218 ) (239 ) (901 ) Adjustment resulting from foreign currency translation (157 ) (140 ) (93 ) Balance of unrecognized tax benefits at end of year $ 21,079 $ 14,780 $ 14,996

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Aggregate Minimum Operating Lease Payments	Aggregate minimum operating lease payments under these agreements in future fiscal years are as follows (in thousands): Fiscal Year Ending December 31, Operating 2016 $ 17,261 2017 14,040 2018 13,096 2019 11,606 2020 9,183 Thereafter 21,012 Total minimum lease payments $ 86,198

Accumulated Other Comprehensi38

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Activity within Accumulated Other Comprehensive Loss	Activity within accumulated other comprehensive loss for the three years ended December 31, 2015, 2014, and 2013 were as follows: Unrealized gain on available-for-sale Foreign Accumulated Balance at December 31, 2012 $ — $ (14,031 ) $ (14,031 ) Other comprehensive loss — (9,284 ) (9,284 ) Balance at December 31, 2013 — (23,315 ) (23,315 ) Other comprehensive income (loss) 22,977 (19,545 ) 3,432 Balance at December 31, 2014 22,977 (42,860 ) (19,883 ) Other comprehensive income (loss) (22,977 ) (28,716 ) (51,693 ) Balance at December 31, 2015 $ — $ (71,576 ) $ (71,576 )

Quarterly Financial Data (Table

Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data	Quarter Ended Year Ended March 31, June 30, September 30, December 31, December 31, (in thousands, except per share amounts) 2015 2015 2015 2015 2015 Revenues: License $ 39,577 $ 67,161 $ 50,237 $ 94,230 $ 251,205 Maintenance 59,492 60,141 59,262 63,000 241,895 Services 23,497 23,110 25,842 34,371 106,820 Hosting 110,251 115,410 103,360 117,036 446,057 Total revenues 232,817 265,822 238,701 308,637 1,045,977 Operating expenses: Cost of license (1) 6,109 5,939 5,387 5,810 23,245 Cost of maintenance, services and hosting (1) 113,013 120,484 104,272 111,285 449,054 Research and development 37,091 39,425 36,123 33,285 145,924 Selling and marketing 28,911 31,298 28,451 40,747 129,407 General and administrative 21,575 25,008 20,284 20,552 87,419 Depreciation and amortization 19,693 20,004 20,298 22,985 82,980 Total operating expenses 226,392 242,158 214,815 234,664 918,029 Operating income 6,425 23,664 23,886 73,973 127,948 Other income (expense): Interest expense (10,941 ) (10,505 ) (9,728 ) (10,198 ) (41,372 ) Interest income 102 58 94 132 386 Other, net 3,722 19,659 4,314 (1,284 ) 26,411 Total other income (expense) (7,117 ) 9,212 (5,320 ) (11,350 ) (14,575 ) Income (loss) before income taxes (692 ) 32,876 18,566 62,623 113,373 Income tax expense (benefit) (530 ) 5,825 3,786 18,856 27,937 Net income (loss) $ (162 ) $ 27,051 $ 14,780 $ 43,767 $ 85,436 Earnings (loss) per share Basic $ 0.00 $ 0.23 $ 0.13 $ 0.37 $ 0.73 Diluted $ 0.00 $ 0.23 $ 0.12 $ 0.36 $ 0.72 (1) The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation. Quarter Ended Year Ended (in thousands, except per share amounts) March 31, June 30, September 30, December 31, December 31, Revenues: License $ 35,702 $ 61,377 $ 57,653 $ 80,425 $ 235,157 Maintenance 62,499 62,309 63,764 67,421 255,993 Services 22,588 24,991 28,194 29,811 105,584 Hosting 100,684 106,131 100,033 112,567 419,415 Total revenues 221,473 254,808 249,644 290,224 1,016,149 Operating expenses: Cost of license (1) 5,736 6,897 5,433 6,499 24,565 Cost of maintenance, services and hosting (1) 107,887 112,595 105,319 104,390 430,191 Research and development 37,456 38,876 36,321 31,554 144,207 Selling and marketing 27,909 28,007 27,078 29,053 112,047 General and administrative 25,116 24,682 25,329 19,938 95,065 Depreciation and amortization 17,078 17,010 18,295 19,519 71,902 Total operating expenses 221,182 228,067 217,775 210,953 877,977 Operating income 291 26,741 31,869 79,271 138,172 Other income (expense): Interest expense (9,175 ) (9,329 ) (10,416 ) (10,818 ) (39,738 ) Interest income 199 135 98 143 575 Other, net (1,057 ) (3,901 ) 3,614 1,104 (240 ) Total other income (expense) (10,033 ) (13,095 ) (6,704 ) (9,571 ) (39,403 ) Income (loss) before income taxes (9,742 ) 13,646 25,165 69,700 98,769 Income tax expense (benefit) (3,967 ) 2,409 9,433 23,334 31,209 Net income (loss) $ (5,775 ) $ 11,237 $ 15,732 $ 46,366 $ 67,560 Earnings (loss) per share Basic $ (0.05 ) $ 0.10 $ 0.14 $ 0.40 $ 0.59 Diluted $ (0.05 ) $ 0.10 $ 0.14 $ 0.40 $ 0.58 (1) The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

Nature of Business and Summar40

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

Revenues in Condensed Consolida

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

Receivables and Concentration o

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

Activity in Allowance for Doubt

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

Components of Other Current Ass

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

Net Property and Equipment (Det

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

Changes in Carrying Amount of G

Changes in Carrying Amount of Goodwill (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Goodwill [Line Items]
Gross Balance prior to the end of year					$ 716,649
Total impairment, beginning of period					(47,432)
Beginning Balance	$ 781,163		$ 669,217
Goodwill from acquisitions	142,287	[1]	121,138	[2]
Foreign currency translation adjustments	(10,189)		(9,192)
Ending Balance	913,261		781,163
Americas [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year					488,698
Total impairment, beginning of period					(47,432)
Beginning Balance	476,482		441,266
Goodwill from acquisitions	2,462	[1]	36,623	[2]
Foreign currency translation adjustments	(1,803)		(1,407)
Ending Balance	477,141		476,482
EMEA [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year					160,158
Beginning Balance	240,303		160,158
Goodwill from acquisitions	139,825	[1]	84,515	[2]
Foreign currency translation adjustments	(3,301)		(4,370)
Ending Balance	376,827		240,303
Asia/Pacific [Member]
Goodwill [Line Items]
Gross Balance prior to the end of year					$ 67,793
Beginning Balance	64,378		67,793
Foreign currency translation adjustments	(5,085)		(3,415)
Ending Balance	$ 59,293		$ 64,378
[1]	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of PAY.ON, as well as adjustments to goodwill related to the acquisition of ReD, as discussed in Note 2. The purchase price allocation for PAY.ON is preliminary as of December 31, 2015 and accordingly is subject to future changes during the maximum one-year measurement period.
[2]	Goodwill from acquisitions relates to the goodwill recorded for the acquisition of ReD, as well as adjustments to goodwill related to the acquisitions of OPAY, ORCC, and PTESA as discussed in Note 2, Acquisitions.

Changes in Carrying Amount of47

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

Acquisitions - Additional Infor

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

Purchase Price of PAY.ON at Acq

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

Acquisitions - Preliminary Purc

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

Acquisitions - Purchase Price A

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

Preliminary Purchase Price Allo

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

Software and Other Intangible53

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

Software and Other Intangible54

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

Software and Other Intangible55

Software and Other Intangible Assets - Estimated Amortization Expense for Future Fiscal Years Based on Capitalized Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Net Balance	$ 256,925	$ 261,436
Software
Finite-Lived Intangible Assets [Line Items]
2,016	59,446
2,017	51,795
2,018	39,812
2,019	30,934
2,020	26,451
Thereafter	29,503
Net Balance	237,941
Other Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
2,016	23,242
2,017	21,742
2,018	21,234
2,019	20,645
2,020	19,722
Thereafter	150,340
Net Balance	$ 256,925

Debt - Additional Information (

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

Debt - Maturities on Long-Term

Debt - Maturities on Long-Term Debt Outstanding (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Debt Disclosure [Abstract]
2,016	$ 95,293
2,017	95,293
2,018	447,997
2,019	0
2,020	300,000
Total	$ 938,583	$ 891,935

Debt - Carrying Value of Debt (

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

Debt - Carrying Value of Debt59

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

Fair Value of Financial Instr60

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

Corporate Restructuring and O61

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

Corporate Restructuring and O62

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

Common Stock and Treasury Sto63

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

Earnings Per Share - Reconcilia

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

Earnings Per Share - Additional

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

Other, Net (Detail)

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

Segment Information - Selected

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

Segment Information - Selecte68

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

Revenues, by Product Line (Deta

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

Segment Information - Additiona

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

Stock-Based Compensation Plan71

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

Summary of Stock Options Issued

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

Stock-Based Compensation Plan73

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

Summary of Transaction Stock Op

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

Stock-Based Compensation Plan75

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

Stock-Based Compensation Plan76

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

Stock-Based Compensation Plan77

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

Stock-Based Compensation Plan78

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

Stock-Based Compensation Plan79

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

Employee Benefit Plans- Additio

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

Components of Income Before Inc

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

Income Tax Expense (Benefit) (D

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

Summary of Differences Between

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

Summary of Differences Betwee84

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

Deferred Tax Assets and Liabili

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

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Taxes [Line Items]
Deferred income tax asset - noncurrent	$ 90,872,000	$ 94,536,000
Deferred income tax liabilities - noncurrent	28,067,000	13,442,000
Decrease in deferred tax assets valuation allowance		$ 17,400,000
Tax credits expiration year		2,020
Unrecognized tax benefit	21,079,000	$ 14,780,000	$ 14,996,000	$ 13,079,000
Net unrecognized tax benefits that, if recognized, would favorably impact the effective income tax rate	20,000,000	13,000,000
Decrease in unrecognized tax benefits due to the expiration of statutes of limitations and the settlement of various audits		2,000,000
Accrued interest and penalties related to income tax liabilities		2,200,000	2,400,000
Aggregate amount of interest and penalties recorded in the statement of operations		(100,000)	$ 200,000	$ 400,000
Undistributed earning of foreign subsidiaries	252,800,000
Accounting Standards Update 2015-17 [Member] | Scenario Previously Reported
Income Taxes [Line Items]
Deferred income tax asset - current		44,100,000
Deferred income tax liabilities - current		200,000
Accounting Standards Update 2015-17 [Member] | Scenario Adjustment
Income Taxes [Line Items]
Deferred income tax asset - noncurrent		44,100,000
Deferred income tax liabilities - noncurrent		200,000
Foreign Entities
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards	31,300,000
Deferred tax assets operating loss carry forwards not subject to expiration	$ 30,000,000
Deferred tax assets operating loss carry forwards not subject to expiration, expiration period	10 years
Valuation allowance against the tax benefit associated with NOLs	$ 500,000
Foreign tax credits carryforwards		31,900,000
Valuation allowance against tax credit		$ 10,700,000
Tax credits expiration year		2,016
Foreign Entities | Earliest Tax Year [Member]
Income Taxes [Line Items]
Tax years open for audit	2,002
Foreign Entities | Latest Tax Year [Member]
Income Taxes [Line Items]
Tax years open for audit	2,014
India Tax Authority
Income Taxes [Line Items]
Income tax examination description	The Company's Indian income tax returns covering fiscal years 2002 through 2007 and 2010 through 2013 are under audit by the Indian tax authority.
Domestic federal
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards subject to expiration	$ 273,700,000
Deferred tax assets operating loss carry forwards expiration year	2,017
Valuation allowance against the tax benefit associated with NOLs	$ 0
General business tax credit carryforwards		$ 10,400,000
State and Local Jurisdiction
Income Taxes [Line Items]
Deferred tax assets operating loss carry forwards subject to expiration	$ 12,400,000
Deferred tax assets operating loss carry forwards expiration year	2,018
Valuation allowance against the tax benefit associated with NOLs	$ 6,200,000
General business tax credit carryforwards		$ 1,600,000

Reconciliation of Beginning and

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

Commitments and Contingencies -

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

Aggregate Minimum Operating Lea

Aggregate Minimum Operating Lease Payment (Detail) $ in Thousands	Dec. 31, 2015USD ($)
Operating Leases
2,016	$ 17,261
2,017	14,040
2,018	13,096
2,019	11,606
2,020	9,183
Thereafter	21,012
Total minimum lease payments	$ 86,198

Accumulated Other Comprehensi90

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

Quarterly Financial Data (Detai

Quarterly Financial Data (Detail) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues:
License		$ 94,230	$ 50,237	$ 67,161	$ 39,577	$ 80,425	$ 57,653	$ 61,377	$ 35,702	$ 251,205	$ 235,157	$ 233,931
Maintenance		63,000	59,262	60,141	59,492	67,421	63,764	62,309	62,499	241,895	255,993	245,954
Services		34,371	25,842	23,110	23,497	29,811	28,194	24,991	22,588	106,820	105,584	122,085
Hosting		117,036	103,360	115,410	110,251	112,567	100,033	106,131	100,684	446,057	419,415	262,958
Total revenues		308,637	238,701	265,822	232,817	290,224	249,644	254,808	221,473	1,045,977	1,016,149	864,928
Operating expenses:
Cost of license	[1]	5,810	5,387	5,939	6,109	6,499	5,433	6,897	5,736	23,245	24,565	25,324
Cost of maintenance, services and hosting	[1]	111,285	104,272	120,484	113,013	104,390	105,319	112,595	107,887	449,054	430,191	318,515
Research and development		33,285	36,123	39,425	37,091	31,554	36,321	38,876	37,456	145,924	144,207	142,557
Selling and marketing		40,747	28,451	31,298	28,911	29,053	27,078	28,007	27,909	129,407	112,047	99,828
General and administrative		20,552	20,284	25,008	21,575	19,938	25,329	24,682	25,116	87,419	95,065	99,300
Depreciation and amortization		22,985	20,298	20,004	19,693	19,519	18,295	17,010	17,078	82,980	71,902	56,356
Total operating expenses		234,664	214,815	242,158	226,392	210,953	217,775	228,067	221,182	918,029	877,977	741,880
Operating income		73,973	23,886	23,664	6,425	79,271	31,869	26,741	291	127,948	138,172	123,048
Other income (expense):
Interest expense		(10,198)	(9,728)	(10,505)	(10,941)	(10,818)	(10,416)	(9,329)	(9,175)	(41,372)	(39,738)	(27,221)
Interest income		132	94	58	102	143	98	135	199	386	575	659
Other, net		(1,284)	4,314	19,659	3,722	1,104	3,614	(3,901)	(1,057)	26,411	(240)	(3,327)
Total other income (expense)		(11,350)	(5,320)	9,212	(7,117)	(9,571)	(6,704)	(13,095)	(10,033)	(14,575)	(39,403)	(29,889)
Income (loss) before income taxes		62,623	18,566	32,876	(692)	69,700	25,165	13,646	(9,742)	113,373	98,769	93,159
Income tax expense (benefit)		18,856	3,786	5,825	(530)	23,334	9,433	2,409	(3,967)	27,937	31,209	29,291
Net income (loss)		$ 43,767	$ 14,780	$ 27,051	$ (162)	$ 46,366	$ 15,732	$ 11,237	$ (5,775)	$ 85,436	$ 67,560	$ 63,868
Earnings (loss) per share
Basic		$ 0.37	$ 0.13	$ 0.23	$ 0	$ 0.40	$ 0.14	$ 0.10	$ (0.05)	$ 0.73	$ 0.59	$ 0.54
Diluted		$ 0.36	$ 0.12	$ 0.23	$ 0	$ 0.40	$ 0.14	$ 0.10	$ (0.05)	$ 0.72	$ 0.58	$ 0.53
[1]	The cost of software license fees excludes charges for depreciation but includes amortization of purchased and developed software for resale. The cost of maintenance, services and hosting fees excludes charges for depreciation.

Subsequent Event - Additional I

Subsequent Event - Additional Information (Detail) - Subsequent Event - Community Financial Services products $ in Millions	Jan. 20, 2016USD ($)
Subsequent Event [Line Items]
Subsequent event, date	Jan. 20, 2016
Sale of Financial Services products and related identified assets and liabilities	$ 200