What is ACI Worldwide's payment software — interchange?

ACI Worldwide (ACIW) reported payment software — interchange of $0 in Q1 2026.

What does payment software — interchange mean?

This represents the fees paid between financial institutions for the processing of card-based transactions within the payment software segment. It acts as a pass-through cost or revenue component that reflects the volume and nature of payment processing activity. Tracking this metric is essential for understanding the underlying transaction economics and the segment's exposure to card network pricing structures.

ACI Worldwide ACIW Payment Software — Interchange

Similar metrics at other companies

BPOPInterchange Fees

$11.3M—

FNBInsurance — Interchange and card transaction fees

$0—

HQY

HQYInterchange revenue — Total Cost of Revenue

$8.35M+7.3%

FNBInterchange and card transaction fees

$13M+8.3%

SOFIInterchange — Total net revenue from contracts with customers

$35.2M+54.3%

FNBCommunity Banking — Interchange and card transaction fees

$13M+8.3%

Other financials

Income statement

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Revenue$425.7M+7.9%

Gross profit$197.3M+8.9%

Operating income$57.5M-1.8%

Net income$38.3M-34.9%

EPS (diluted)$0.37-32.7%

Balance sheet

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Cash & equivalents$242.1M-34.0%

Total debt$836.6M-4.4%

Total equity$1.5B+1.2%

Total assets$3.1B-3.1%

Cash flow

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Operating cash flow$64.2M-17.9%

CapEx$3.0M+38.4%

Free cash flow$61.2M-19.5%

Valuation

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Market cap$4.48B-27.6%

Profitability

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Gross margin49%-2.3pp

Operating margin18.4%-3.0pp

Net margin11.5%-4.6pp

FCF margin16.5%-1.4pp

Returns & leverage

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Return on equity13.8%-5.9pp

Debt / equity0.6×0.0×

Current ratio1.5×0.0×

Where this comes from

Reported directly by ACI Worldwide in its filing.

Tagged under the XBRL concept aciw:InterchangeCosts.

The official record: ACI Worldwide’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ACI Worldwide's payment software — interchange?: ACI Worldwide (ACIW) reported payment software — interchange of $0 in Q1 2026.
What does payment software — interchange mean?: This represents the fees paid between financial institutions for the processing of card-based transactions within the payment software segment. It acts as a pass-through cost or revenue component that reflects the volume and nature of payment processing activity. Tracking this metric is essential for understanding the underlying transaction economics and the segment's exposure to card network pricing structures.