[Form 4] ACI Worldwide, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Ronald Craig Shultz, an officer (GM, ACI Speedpay) of ACI Worldwide, Inc. (ACIW), reported two non-derivative dispositions of common stock on 09/04/2025 at a price of $49.64 per share. The Form 4 shows 283 shares disposed to cover tax withholding related to the vesting of 783 restricted stock units granted March 4, 2024, and 561 shares disposed to cover tax withholding related to the vesting of 1,552 restricted stock units granted March 4, 2025. The filing lists post-transaction beneficial ownership figures of 43,574 and 43,013 shares on the respective lines. All transactions are reported as dispositions and are explained as share surrenders to satisfy tax obligations upon vesting.

Positive

• Transparent disclosure of the reason for the dispositions (share surrenders to cover taxes upon RSU vesting)
• Transactions appear routine and plan-compliant, tied to RSU grants dated March 4, 2024 and March 4, 2025

Negative

• Decrease in beneficial ownership totaling 844 shares (283 + 561) following the transactions

Insights

Financial Analyst

TL;DR: Routine insider tax-withholding share surrenders total 844 shares sold at $49.64; no new purchases or option exercises reported.

The transactions are non-derivative dispositions used solely to satisfy tax liabilities from RSU vesting, not open-market sales intended for liquidity or signaling. The combined surrender of 844 shares (283 + 561) at $49.64 reduces the reporting person's direct holdings as shown by the post-transaction ownership figures. These types of filings are standard following RSU vesting and typically have limited informational impact on the companys operating performance or capital structure.

Corporate Governance Expert

TL;DR: The Form 4 documents routine tax-withholding share forfeitures tied to RSU vesting; disclosure appears complete and timely.

The filing identifies the reporting persons role (GM, ACI Speedpay) and provides clear explanations tying each disposition to specific RSU grants (March 4, 2024 and March 4, 2025). The use of share surrender to cover tax withholding is a common plan-compliant action and the Form 4 records the transaction date and price ($49.64) as required. There is no indication of additional arrangements or unusual timing in the information provided.

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

OMB Number:			3235-0287
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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)
09/04/2025

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	09/04/2025		D		283(1)	D	$49.64	43,574	D
Common Stock	09/04/2025		D		561(2)	D	$49.64	43,013	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 783 shares, representing one twelfth of the restricted stock units granted on March 4, 2024.

2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,552 shares, representing one twelfth of the restricted stock units granted on March 4, 2025.

	Ronald Craig Shultz	09/08/2025
	** 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 transactions did Ronald Craig Shultz report on Form 4 for ACIW?

He reported two non-derivative dispositions on 09/04/2025: 283 shares and 561 shares disposed at $49.64 per share.

Why were the shares disposed according to the Form 4?

The filing states the shares were surrendered to pay tax liabilities due upon the vesting of restricted stock units granted on March 4, 2024 and March 4, 2025.

How many restricted stock units vested that triggered the tax withholding?

The Form 4 cites vesting of 783 RSUs (2024 grant) and 1,552 RSUs (2025 grant), which led to the share surrenders.

What were the post-transaction beneficial ownership figures reported?

The form lists post-transaction beneficial ownership of 43,574 and 43,013 shares on the respective report lines.

Does the Form 4 indicate any purchases or derivative transactions?

No. The Form 4 reports only dispositions of common stock to cover tax withholding and shows no derivative or purchase transactions.