ACIW insider sold shares to cover RSU taxes at $48

Rhea-AI Filing Summary

ACI Worldwide (ACIW) insider activity: A company officer (GM, ACI Speedpay) reported two tax‑withholding sales on 11/11/2025 tied to RSU vesting. The transactions disposed of 270 shares at $48 and 642 shares at $48. Following these moves, beneficial ownership stood at 42,743 shares after the first sale and 42,101 shares after the second.

The filing notes the sales covered taxes from the vesting of 749 RSUs and 1,498 RSUs, which are one‑twelfth installments from awards granted on May 11, 2023.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Shultz Ronald Craig

(Last) (First) (Middle)

6060 COVENTRY DRIVE

(Street)

ELKHORN NE 68022

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ACI WORLDWIDE, INC. [ ACIW ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	GM, ACI Speedpay

3. Date of Earliest Transaction (Month/Day/Year)
11/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/11/2025		D		270(1)	D	$48	42,743	D
Common Stock	11/11/2025		D		642(2)	D	$48	42,101	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 749 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,498 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

	Ronald Craig Shultz	11/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did ACIW disclose in this Form 4?

An officer reported two tax‑withholding sales on 11/11/2025: 270 shares at $48 and 642 shares at $48.

Why were the ACIW shares sold by the officer?

They were surrendered to pay taxes due upon vesting of restricted stock units.

How many RSUs vested to trigger the tax payments?

749 RSUs and 1,498 RSUs vested, each representing one‑twelfth of awards granted on May 11, 2023.

What is the officer’s beneficial ownership after the transactions?

Beneficial ownership was 42,743 shares after the first sale and 42,101 shares after the second.

What price were the ACIW shares disposed at?

Both transactions were recorded at $48 per share.

What is the officer’s role at ACI Worldwide (ACIW)?

Officer, serving as GM, ACI Speedpay.