Banks and Processors Choose ACI Proactive Risk Manager to Detect Debit and Credit Card Fraud as Well as Money Laundering Activity.

Business Editors & Technology Writers

OMAHA, Neb.--(BUSINESS WIRE)--April 22, 2002

ACI adds Seven New Proactive Risk Manager Customers;

Visa CEMEA Determines the ACI Fraud Reduction Solution

Meets Its Monitoring Standards

ACI Worldwide (Nasdaq:TSAI), a leading international provider of enterprise e-payment solutions, today announced the continuing worldwide adoption of its ACI Proactive Risk Manager(TM) fraud detection software. Thus far in 2002, seven financial institutions and financial service providers have licensed the system, bringing the total number of licensed customers to more than 30 banks, processors and retailers, with another 1,000 financial institutions accessing ACI Proactive Risk Manager services through processor relationships.

ACI's newest Proactive Risk Manager customers include:

-- Aetna SinoPac Credit Card Company

-- China Merchants Bank

-- Financial Information Services Company

-- CertaPay Inc.

The latest version of ACI Proactive Risk Manager, release 6.0, includes more than 60 enhancements shaped by the ACI Proactive Risk Manager user community. The availability of these features comes as financial institutions respond to passage of the U.S. Patriot act by aggressively looking for feature-rich solutions to help them monitor transactions for money laundering activity. In addition to detecting money laundering activity, the solution also can monitor transactions for debit and credit card fraud, and merchant fraud. ACI Proactive Risk Manager uses a combination of neural network technology, custom models and expert rules-based strategies to help users monitor and detect fraudulent activity.

Enhancements in release 6.0 included streamlining of review features so analysts can process more alerts per hour. A new rule and queue library was added to help analysts manage workflow and staffing, and a mark fraud function has been enhanced to increase analyst accuracy and decrease the time required for fraud marking -- a process critical to analyzing fraud patterns.

The benefits of Proactive Risk Manager are validated by Visa's recent determination that the solution complies with its strict issuer and acquirer monitoring standards in Central Europe, the Middle East and Africa (CEMEA). Visa CEMEA now includes Proactive Risk Manager on its list of approved solutions for its members.

Recent estimates indicate that fraud losses continue to mount. According to a January 2002 report by GartnerG2, more than $US 700 million was lost to online transaction fraud in 2001. Those losses do not include the additional merchant fines that are sometimes imposed by credit card companies for high levels of charge-back. The Financial Action Task Force on Money Laundering (FATF) estimates money laundering activities total between $US 590 billion and $US 1.5 trillion. In an effort to curb the growth of money laundering, governments around the world are enacting new rules and legislation and increasing penalties for violations. ACI Proactive Risk Manager is designed to help banks and retailers meet these regulations and limit risk.

About ACI Worldwide

Every second of every day, consumers are initiating electronic payment transactions -- getting cash at ATMs, using debit and credit cards to make purchases in stores and on the Internet, banking by phone and PC, paying bills online. Twenty billion times a year, ACI software is used to process these transactions, powering the world's online payment systems. ACI was founded in 1975 and pioneered the development of applications and networking software for online transaction processing. Today more than 540 customers in 71 countries use ACI supplied software. Visit ACI Worldwide on the Internet at www.aciworldwide.com.

Any statements in this press release regarding projected results are preliminary and "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, this press release may contain other forward-looking statements including statements regarding Transaction Systems Architects, Inc.'s ("TSA"), its subsidiaries or third parties' expectations, predictions, views, opportunities, plans, strategies, beliefs, and statements of similar effect. The forward-looking statements in this press release are subject to a variety of risks and uncertainties. Actual results could differ materially. Factors that could cause actual results to differ include but are not limited to the following.

TSA's business is concentrated in the banking industry, making it susceptible to a downturn in that industry.

TSA is subject to risks of conducting international operations including: difficulties in staffing and management, reliance on independent distributors, fluctuations in foreign currency exchange rates, compliance with foreign regulatory requirements, variability of foreign economic conditions, and changing restrictions imposed by U.S. export laws.

Fluctuations in quarterly operating results may result in volatility in TSA's stock price. No assurance can be given that operating results will not vary. TSA's stock price may also be volatile, in part due to external factors such as announcements by third parties or competitors, inherent volatility in the high-technology sector and changing market conditions in the industry.

For a detailed discussion of these and other risk factors, interested parties should review TSA's filings with the Securities and Exchange Commission.