ACI Worldwide, Inc. (ACI) develops markets, installs and supports a range of software products and services focused on facilitating electronic payments. In addition to its own products, ACI distributes or acts as a sales agent for, software developed by third parties. The products and services are used principally by financial institutions, retailers and electronic payment processors, both in domestic and international markets. The Company also offers its customers a range of professional services, including analysis, design, development, implementation, integration and training. The services include implementation services, technical services, facilities management and ACI On Demand. On November 17, 2009, the Company acquired certain intellectual property, trade names, customer contracts and working capital of Euronet Essentis Limited (Essentis), a division of Euronet Worldwide, Inc.