0001213900-24-016204 | 10-K | XBRL Viewer

Print Document View Excel Document

Derivative Instruments and Hedging Activities Fair Value (Details) - Foreign Exchange Contract [Member] - Not Designated as Hedging Instrument [Member] - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Prepaid Expenses and Other Current Assets [Member]
Derivatives, Fair Value [Line Items]
Foreign currency exchange contracts	$ 50.0	$ 50.3
Accrued expenses and other current liabilities [Member]
Derivatives, Fair Value [Line Items]
Foreign Currency Derivative Instruments Not Designated as Hedging Instruments, Liability at Fair Value	$ (39.1)	$ (42.3)

Business Segment Information (Details Textual)	12 Months Ended
Business Segment Information (Details Textual)	Dec. 31, 2023 SEGMENT
Business Segment Information
Number of reportable segments	3

Summary of Significant Accounting Policies and Practices (Details Textual) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Deferred contract costs		$ 78.4	$ 78.9
Amortization related to deferred contract costs		$ 17.1	$ 22.1	$ 33.3
Non-cash impairment charge	$ 38.6
Incremental shares from assumed conversion of convertible debt		2,781,818	2,781,818
Cash payments received		$ 32.9
Revenue, remaining performance obligation, amount			$ 41.6
Maximum [Member]
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Estimated fair value percentage		50.00%
ASU 2020-06 [Member]
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Debt Discounts, before Tax Amount		$ (56.8)
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Equity, Tax Amount		(15.0)
ASU 2020-06 [Member] \| Additional Paid-in Capital
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Equity, before Tax Amount		(99.7)
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Equity, Tax Amount		25.6
ASU 2020-06 [Member] \| Retained Earnings
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Equity, before Tax Amount		42.9
Accounting for convertible instruments, Debt Modification, Increase (Decrease) in Equity, Tax Amount		$ (10.6)
ASU 2020-06 [Member] \| Treasury Stock
Recently Issued And Adopted Accounting Pronouncements [Line Items]
Incremental shares from assumed conversion of convertible debt		2,800,000

Settlement Assets and Obligations

12 Months Ended

Dec. 31, 2023

Settlement Assets and Obligations

Settlement Assets and Obligations

(4) Settlement Assets and Obligations

Settlement assets represent funds received or to be received from agents for unsettled money transfers and from merchants for unsettled prepaid transactions. The Company records corresponding settlement obligations relating to accounts payable. Settlement assets consist of cash and cash equivalents, restricted cash, accounts receivable and prepaid expenses and other current assets. The settlement cash held at the Company is primarily generated from the monies remitted by consumers through Company agents and financial institutions in payment of the face value of the payment service or foreign currency purchased and the related fees charged to purchase the currency. The Company uses its cash and cash equivalents to pay the face value of the payment service product upon presentation by the recipient. Cash received by Company agents and merchants generally becomes available to the Company within two weeks after initial receipt by the business partner. Receivables from business partners represent funds collected by such business partners that are in transit to the Company.

Settlement obligations consist of accrued expenses for money transfers, content providers, and EFT customer deposits and accounts payable to agents and content providers. Money transfer accrued expenses represent amounts to be paid to beneficiaries when they request funds. Most agents typically settle with beneficiaries first then obtain reimbursement from the Company. Money order accrued expenses represent amounts not yet presented for payment. Due to the agent funding and settlement process, accrued expenses to agents represent amounts due to agents for money transfers that have not been settled with beneficiaries.

(in millions)	As of December 31, 2023		As of December 31, 2022
Settlement assets:
Settlement cash and cash equivalents	$	327.4	$	242.6
Settlement restricted cash	125.0		94.0
Account receivables, net of credit loss allowance of $35.7 and $33.0	1,002.1		887.6
Prepaid expenses and other current assets	227.0		218.5
Total settlement assets	$	1,681.5	$	1,442.7
Settlement obligations:
Trade account payables	$	708.6	$	655.1
Accrued expenses and other current liabilities	972.9		787.6
Total settlement obligations	$	1,681.5	$	1,442.7

The table below reconciles cash and cash equivalents, restricted cash, ATM cash, settlement cash and cash equivalents, and settlement restricted cash as presented within "Cash and cash equivalents and restricted cash" in the Consolidated Statement of Cash Flows.

	As of
(in millions)	December 31, 2023		December 31, 2022		December 31, 2021
Cash and cash equivalents	$	1,254.2	$	1,131.2	$	1,260.5
Restricted cash	15.2		7.4		3.7
ATM cash	525.2		515.6		543.4
Settlement cash and cash equivalents	327.4		242.6		203.6
Settlement restricted cash	125.0		94.0		74.9
Cash and cash equivalents and restricted cash at end of period	$	2,247.0	$	1,990.8	$	2,086.1

Financial Instruments and Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2023

Financial Instruments and Fair Value Measurements

Schedule of financial assets measured and recorded at fair value

		As of December 31, 2023
(in millions)	Balance Sheet Classification	Level 1			Level 2			Level 3		Total
Assets
Foreign currency exchange contracts	Other current assets	$	—	$	50.0			$	—	$	50.0
Liabilities
Foreign currency exchange contracts	Other current liabilities	$	—	$	(39.1		)	$	—	$	(39.1	)

		As of December 31, 2022
(in millions)	Balance Sheet Classification	Level 1			Level 2			Level 3		Total
Assets
Foreign currency exchange contracts	Other current assets	$	—		$	50.3		$	—	$	50.3
Liabilities
Foreign currency exchange contracts	Other current liabilities	$	—		$	(42.3	)	$	—	$	(42.3	)

Financial Instruments and Fair Value Measurements (Details Textual) - Fair Value, Inputs, Level 2 [Member] $ in Millions	Dec. 31, 2023 USD ($)
Convertible Notes Payable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Convertible debt, fair value	$ 530.3
Convertible debt, carrying values	525.0
Senior Notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Convertible debt, fair value	621.6
Senior notes (in USD)	$ 662.2

Valuation and Qualifying Accounts (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Beginning balance-credit losses	$ 4.0
Ending balance-credit losses	3.6	$ 4.0
SEC Schedule, 12-09, Allowance, Credit Loss [Member]
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Beginning balance-credit losses	37.0	31.8	$ 41.7
Additions-charged to expense	13.3	16.3	9.7
Amounts written off	(9.8)	(12.9)	(21.6)
Other (primarily changes in foreign currency exchange rates)	(1.2)	1.8	2.0
Ending balance-credit losses	$ 39.3	$ 37.0	$ 31.8

Summary of Significant Accounting Policies and Practices (Details 1)	Dec. 31, 2023
Non-compete agreements [Member] \| Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	2 years
Non-compete agreements [Member] \| Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	5 years
Trademarks and trade names [Member] \| Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	2 years
Trademarks and trade names [Member] \| Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	20 years
Software [Member] \| Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	3 years
Software [Member] \| Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	10 years
Customer relationships [Member] \| Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	6 years
Customer relationships [Member] \| Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived intangible assets, Useful life	20 years

Income Taxes (Details 3) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Tax loss carryforwards	$ 59.3	$ 64.9
Share-based compensation	15.8	12.6
Accrued expenses	20.1	23.2
Property and equipment	8.1	10.8
Goodwill and intangible amortization	11.2	9.0
Contract costs	3.5	7.0
Intercompany notes	16.7	17.4
Accrued revenue	4.0	5.1
Tax credits	58.1	64.4
Lease accounting	49.2	40.2
Foreign exchange	2.4	2.7
Capitalized research and development	6.2
Other	6.0	7.8
Total deferred tax assets	260.6	265.1
Valuation allowance	(90.7)	(90.4)
Total deferred tax assets, net of valuation allowance	169.9	174.7
Deferred tax liabilities:
Intangible assets related to purchase accounting	(15.0)	(12.1)
Goodwill and intangible amortization	(31.9)	(31.7)
Accrued expenses	(25.7)	(22.7)
Intercompany notes	(12.9)	(14.5)
Accrued interest	(34.4)	(26.6)
Capitalized research and development	(0.3)	(1.2)
Property and equipment	(6.8)	(14.6)
Accrued revenue	(2.8)	(2.1)
Lease accounting	(49.2)	(40.2)
Foreign exchange	(4.0)	(9.8)
Other	(5.6)	(3.5)
Total deferred tax liabilities	(188.6)	(179.0)
Net deferred tax liabilities	$ (18.7)	$ (4.3)

Stock Plans (Details Textual) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) d $ / shares shares	Dec. 31, 2022 USD ($) d $ / shares shares	Dec. 31, 2021 USD ($) d $ / shares shares
Share-based compensation plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant \| shares	3,900,000
Allocated Share-based Compensation Expense	$ 53.7	$ 44.1	$ 36.5
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense	$ 4.0	3.4	4.1
Share-based compensation plans [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period	3 years
Share-based compensation plans [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period	5 years
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Requisite Service Period	10 years
Proceeds from Stock Options Exercised	$ 5.4	5.9	7.8
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Total Intrinsic Value	6.3	$ 12.8	$ 27.7
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 45.1
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition	4 years
Employee service share-based compensation, nonvested awards, overall weighted-average period	3 years 1 month 6 days
Number of Shares, Granted \| shares	595,777
Employee Stock Option \| Valuation Technique, Black-Scholes-Merton, Option Pricing or Monte Carlo Simulation Model [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period	5 years	4 years	4 years
Number of Shares, Granted \| shares	596,127	411,648	331,000
Share-Based Compensation Arrangement by Share-Based Payment Award, Threshold Percentage of Stock Price Trigger for Vesting	10.00%	10.00%	10.00%
Share-Based Compensation Arrangement by Share-Based Payment Award, Threshold Consecutive Trading Days for Vesting \| d	30	30	30
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Total Fair Value	$ 14.8	$ 9.3	$ 13.8
Weighted Average Grant Date Fair Value Per Share, Granted \| $ / shares	$ 92.76	$ 91.47	$ 115.85
Time-based restricted stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 16.6
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition	2 years 11 months 8 days
Performance-based Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 28.8
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition	1 year 10 months 6 days

Debt Obligations (Details 1 - Textual) € in Millions, $ in Millions	Dec. 31, 2023 EUR (€)	Dec. 31, 2023 USD ($)
Debt Instrument [Line Items]
Long-term Debt, Maturities, Repayments of Principal in Next Twelve Months		$ 0.0
Long-term Debt, Maturities, Repayments of Principal in Year Two		525.0
Long-term Debt, Maturities, Repayments of Principal in Year Three		662.2
Long-term Debt, Maturities, thereafter		$ 536.9
Convertible Notes, 0.75 Percent, due 2049 [Member]
Debt Instrument [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	0.75%	0.75%
1.375% Senior Notes due 2026 [Member]
Debt Instrument [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	1.375%	1.375%
Long-term Debt, Maturities, Repayments of Principal in Year Three	€ 600	$ 662.2

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482900/835-30-50-1

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(f))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69C
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69E
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69F
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 11: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

+ Details

Stock Plans

12 Months Ended

Dec. 31, 2023

Stock Plans

Stock Plans

(17) Stock Plans

The Company has share-based compensation plans ("SCP") that allow it to grant restricted shares, or options to purchase shares, of common stock to certain current and prospective key employees, directors, and consultants of the Company. These awards generally vest over periods ranging from three to five years from the date of grant. Stock options are generally exercisable during the shorter of a ten-year term or the term of employment with the Company. With the exception of certain awards made to the Company's employees in Germany, Singapore and Malaysia, awards under the SCP are settled through the issuance of new shares under the provisions of the SCP. For Company employees in Germany, Singapore and Malaysia, certain awards are settled through the issuance of treasury shares, which also reduces the number of shares available for future issuance under the SCP. As of December 31, 2023, the Company has approximately 3.9 million in total shares remaining available for issuance under the SCP.

Share-based compensation expense was $53.7 million, $44.1 million, and $36.5 million for the years ended December 31, 2023, 2022 and 2021, respectively, and was recorded in salaries and benefits expense in the accompanying Consolidated Statements of Operations. The Company recorded a tax benefit of $4.0 million, $3.4 million, and $4.1 million during the years ended December 31, 2023, 2022 and 2021, respectively, for the portion of this expense that relates to foreign tax jurisdictions in which an income tax benefit is expected to be derived.

Stock options

Summary stock options activity is presented in the table below:

	Number of Shares		Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (years)	Aggregate Intrinsic Value (millions)
Balance at December 31, 2022 (1,466,983 shares exercisable)	4,703,405		$	103.51
Granted	595,777		$	91.66
Exercised	(152,209	)	$	90.92
Forfeited/Canceled	(27,981	)	$	116.58
Expired	—		$	—
Balance at December 31, 2023	5,118,992		$	103.66	6.6	$	39.5
Exercisable at December 31, 2023	2,211,566		$	103.03	4.9	$	24.6
Vested and expected to vest at December 31, 2023	4,170,033		$	99.90	6.4	$	33.6

Options outstanding that are expected to vest are net of estimated future forfeitures. The Company received cash of $5.4 million, $5.9 million, and $7.8 million in connection with stock options exercised in the years ended December 31, 2023, 2022 and 2021, respectively. The intrinsic value of these options exercised was $6.3 million, $12.8 million, and $27.7 million in the years ended December 31, 2023, 2022 and 2021, respectively. As of December 31, 2023, unrecognized compensation expense related to nonvested stock options that are expected to vest totaled $45.1 million and will be recognized over the next 4 years, with an overall weighted-average period of 3.1 years. The following table provides the fair value of options granted under the SCP during 2023, 2022 and 2021, together with a description of the assumptions used to calculate the fair value using the Black-Scholes-Merton option-pricing model or Monte Carlo simulation model:

	Year ended December 31,
	2023			2022			2021
Volatility	42.5		%	42.4		%	39.3		%
Risk-free interest rate - weighted average	4.23		%	3.97		%	1.2		%
Risk-free interest rate - range	4.23		%	3.97% to 3.45		%	0.50% to 1.21		%
Dividend yield	—		%	—		%	—		%
Assumed forfeitures	8.0		%	8.0		%	8.0		%
Expected lives	5.0 years			4.6 years			4.6 years
Weighted-average fair value (per option)	$	39.43		$	37.15		$	39.99

During 2023, the Company granted 596,127 options, which vest evenly over a five year term upon the achievement of a 10% increase over the share price on the date of grant for 30 consecutive days. During 2022, the Company granted approximately 411,648 options, which vest evenly over a four year term upon the achievement of a 10% increase over the share price on the date of grant for 30 consecutive days. During 2021, the Company granted approximately 331,000 options, which vest evenly over a four year term upon the achievement of a 10% increase over the share price on the date of grant for 30 consecutive days.

Restricted stock

Restricted stock awards vest based on the achievement of time-based service conditions and/or performance-based conditions. For certain awards, vesting is based on the achievement of more than one condition of an award with multiple time-based and/or performance-based conditions. The Company records related expenses for these awards that have performance-based conditions over the vesting period when the achievement of the award is probable of occurrence.

Summary restricted stock activity is presented in the table below:

	Number of Shares		Weighted Average Grant Date Fair Value Per Share
Nonvested at December 31, 2022	676,435		$	115.36
Granted	267,678		$	92.76
Vested	(146,716	)	$	123.78
Forfeited	(30,695	)	$	145.87
Nonvested at December 31, 2023	766,702		$	104.65

The fair value of shares vested in the years ended December 31, 2023, 2022 and 2021 was $14.8 million, $9.3 million, and $13.8 million, respectively. As of December 31, 2023, there was $16.6 million of total unrecognized compensation cost related to unvested time-based restricted stock, which is expected to be recognized over a weighted-average period of 2.94 years. As of December 31, 2023, there was $28.8 million of total unrecognized compensation costs related to unvested performance-based restricted stock, which is expected to be recognized based on Company performance over a weighted-average period of 1.85 years. The weighted average grant date fair value of restricted stock granted during the years ended December 31, 2023, 2022 and 2021 was $92.76, 91.47 and $115.85 per share, respectively.

Restricted Cash (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	$ 15.2	$ 7.4	$ 3.7
Restricted cash included within settlement assets	125.0	94.0	$ 74.9
Total Restricted Cash	140.2	101.4
Cash held in trust or on behalf of others [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash included within settlement assets	84.8	80.6
Collateral on bank credit arrangements and other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash included within settlement assets	40.2	13.4
Collateral on bank credit arrangements and other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	$ 15.2	$ 7.4

Debt Obligations (Details) € in Millions, $ in Millions	Dec. 31, 2023 EUR (€)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Debt Instrument [Line Items]
Revolving credit agreement		$ 536.9	$ 454.8
Uncommitted credit agreement		150.0
Other obligations		0.3	0.2
Total debt obligations		1,874.4	1,622.1
Unamortized debt issuance costs		(8.7)	(12.9)
Carrying value of debt		1,865.7	1,609.2
Short-term debt obligations and current maturities of long-term debt obligations		(150.3)	(0.1)
Long-term debt obligations		1,715.4	1,609.1
Convertible Notes, 0.75 Percent, due 2049 [Member]
Debt Instrument [Line Items]
Convertible debt		525.0	525.0
1.375% Senior Notes due 2026 [Member]
Debt Instrument [Line Items]
Senior notes	€ 600	$ 662.2	$ 642.1

Stock Plans (Details 2) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Summary restricted stock activity
Number of Shares, Nonvested	676,435
Number of Shares, Granted	267,678
Number of Shares, Vested	(146,716)
Number of Shares, Forfeited	(30,695)
Number of Shares, Nonvested	766,702	676,435
Weighted Average Grant Date Fair Value Per Share
Weighted Average Grant Date Fair Value Per Share, Nonvested	$ 115.36
Weighted Average Grant Date Fair Value Per Share, Granted	92.76	$ 91.47	$ 115.85
Weighted Average Grant Date Fair Value Per Share, Vested	123.78
Weighted Average Grant Date Fair Value Per Share, Forfeited	145.87
Weighted Average Grant Date Fair Value Per Share, Nonvested	$ 104.65	$ 115.36

Settlement Assets and Obligations (Details 1) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Settlement Assets and Obligations
Cash and cash equivalents	$ 1,254.2	$ 1,131.2	$ 1,260.5
Restricted cash	15.2	7.4	3.7
ATM cash	525.2	515.6	543.4
Settlement cash and cash equivalents	327.4	242.6	203.6
Settlement restricted cash	125.0	94.0	74.9
Cash and cash equivalents and restricted cash at end of period	$ 2,247.0	$ 1,990.8	$ 2,086.1	$ 2,099.5

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Current assets:
Cash and cash equivalents	$ 1,254.2	$ 1,131.2
ATM cash	525.2	515.6
Restricted cash	15.2	7.4
Settlement assets	1,681.5	1,442.7
Trade accounts receivable, net of credit loss allowance of $3.6 and $4.0	370.6	270.8
Prepaid expenses and other current assets	316.0	359.0
Total current assets	4,162.7	3,726.7
Operating right of use lease assets	142.6	149.7
Property and equipment, net of accumulated depreciation of $656.9 and $576.4	332.1	336.6
Goodwill	847.5	828.3
Acquired intangible assets, net of accumulated amortization of $214.1 and $199.2	167.6	188.3
Other assets, net of accumulated amortization of $76.3 and $68.0	181.9	174.0
Convertible notes receivable	60.0
Total assets	5,894.4	5,403.6
Current liabilities:
Settlement obligations	1,681.5	1,442.7
Trade accounts payable	241.2	222.4
Accrued expenses and other current liabilities	439.0	505.7
Current portion of operating lease obligations	50.3	50.2
Short-term debt obligations and current maturities of long-term debt obligations	150.3	0.1
Income taxes payable	81.6	67.5
Deferred revenue	56.7	65.4
Total current liabilities	2,700.6	2,354.0
Debt obligations, net of current portion	1,715.4	1,609.1
Operating lease obligations, net of current portion	95.8	102.7
Deferred income taxes	47.0	28.4
Other long-term liabilities	85.9	65.0
Total liabilities	4,644.7	4,159.2
Euronet Worldwide, Inc. stockholders' equity:
Preferred Stock, $0.02 par value. 10,000,000 shares authorized; none issued
Common Stock, $0.02 par value. 90,000,000 shares authorized; shares issued 64,376,923 and 64,091,387	1.3	1.3
Additional paid-in capital	1,311.6	1,251.8
Treasury stock, at cost, shares issued 18,598,961 and 14,269,645	(1,487.7)	(1,105.8)
Retained earnings	1,627.9	1,348.3
Accumulated other comprehensive loss	(203.2)	(251.0)
Total Euronet Worldwide, Inc. stockholders' equity	1,249.9	1,244.6
Noncontrolling interests	(0.2)	(0.2)
Total equity	1,249.7	1,244.4
Total liabilities and equity	$ 5,894.4	$ 5,403.6

Property and Equipment, Net (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property and Equipment, Net
Depreciation expenses	$ 100.8	$ 101.5	$ 104.7

Accrued Expenses and Other Current Liabilities (Tables)

12 Months Ended

Dec. 31, 2023

Accrued Expenses and Other Current Liabilities

Schedule of accrued expenses and other current liabilities

	As of December 31,
(in millions)	2023		2022
Accrued expenses	$	254.8	$	311.8
Other tax payables	69.1		80.6
Derivative liabilities	39.1		42.3
Accrued payroll expenses	74.4		68.0
Current portion of finance lease obligations	1.6		3.0
Total	$	439.0	$	505.7

Income Taxes (Details 1) - USD ($) $ in Millions	12 Months Ended
Income Taxes (Details 1) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income taxes [Line Items]
Total current	$ 108.0	$ 84.2	$ 62.7
Total deferred	12.9	7.7	2.4
Total income tax expense	120.9	91.9	65.1
U.S.
Income taxes [Line Items]
Total current	5.1	3.9	2.8
Total deferred	12.2	(7.3)	12.3
Foreign
Income taxes [Line Items]
Total current	102.9	80.3	59.9
Total deferred	$ 0.7	$ 15.0	$ (9.9)

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

+ References + Details

Stockholders' Equity (Details) - USD ($) $ in Millions	12 Months Ended
Stockholders' Equity (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Computation of diluted earnings:
Net income attributable to Euronet Worldwide, Inc. stockholders	$ 279.7	$ 231.0	$ 70.7
Add: Interest expense from assumed conversion of convertible notes, net of tax	4.2	4.7
Net income for diluted earnings per share calculation	$ 283.9	$ 235.7	$ 70.7
Computation of diluted weighted average shares outstanding:
Basic weighted average shares outstanding	48,482,006	50,175,614	52,585,674
Incremental shares from assumed exercise of stock options and vesting of restricted stock	335,809	505,876	943,902
Incremental shares from assumed conversion of convertible debt	2,781,818	2,781,818
Diluted weighted average shares outstanding	51,599,633	53,463,308	53,529,576

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481687/323-10-50-3

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482907/825-10-50-28

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482765/220-10-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-3

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 65
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480175/815-40-65-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-8

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-9

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-11

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-11

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-4

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
-SubTopic 830
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480167/946-830-55-10

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section 45
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483581/946-220-45-7

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(18))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(9))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(1)(d))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(ii))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(5))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(B))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-30

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 60B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B

Reference 32: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 33: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 34: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483499/205-20-50-7

Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 230
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482740/230-10-45-28

Reference 36: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A

Reference 37: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B

Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(20))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2

Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1

+ Details

Acquisitions (Tables)

12 Months Ended

Dec. 31, 2023

Acquisitions

Schedule of fair values of the assets acquired and liabilities

(in millions)	As of March 15, 2022
Other current assets	$	1.8
Settlement assets	77.6
Property and equipment	5.7
Intangible assets	122.5
Total assets acquired	$	207.6

Trade accounts payable	$	(2.1	)
Settlement liabilities		(65.9	)
Accrued expenses and other current liabilities		(1.3	)
Deferred revenue		(0.3	)
Other long-term liabilities	(0.1		)
Total liabilities assumed	$	(69.7	)

Goodwill	212.7

Net assets acquired	$	350.6

Summary of Significant Accounting Policies and Practices (Details)	Dec. 31, 2023
ATMs [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years
ATMs [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	8 years
Computers and software [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
Computers and software [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years
POS Terminals [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
POS Terminals [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years
Vehicles and Office Equipment [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
Vehicles and Office Equipment [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	Useful Life, Lease Term [Member]

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Cash Flows [Abstract]
Net income (loss)	$ 279.5	$ 230.7	$ 70.5
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	132.9	135.9	135.8
Share-based compensation	53.7	44.1	36.5
Unrealized foreign exchange (gain) loss, net	(8.0)	28.2	10.8
Deferred income taxes	13.7	7.9	(2.3)
Accretion of convertible debt discount and amortization of debt issuance costs	4.0	3.7	20.2
Changes in working capital, net of amounts acquired:
Income taxes payable, net	11.6	10.8	23.9
Trade accounts receivable, including amounts in settlement assets	(190.9)	(299.4)	(107.5)
Prepaid expenses and other current assets, including amounts in settlement assets	42.4	(192.6)	93.5
Trade accounts payable, including amounts in settlement obligations	53.6	178.1	(33.2)
Deferred revenue	(10.3)	(8.4)	7.5
Accrued expenses and other current liabilities, including amounts in settlement obligations	238.7	608.2	93.0
Changes in non-current assets and liabilities	22.2	1.1	57.6
Net cash provided by operating activities	643.1	748.3	406.3
Cash flows from investing activities:
Acquisitions, net of cash acquired	(1.3)	(343.0)
Purchases of property and equipment and proceeds of sale property and equipment	(94.4)	(104.3)	(92.2)
Issuance of Convertible Notes Receivable	(60.0)
Purchases of other long-term assets	(9.1)	(7.7)	(7.8)
Other, net	7.2	1.2	1.9
Net cash used in investing activities	(157.6)	(453.8)	(98.1)
Cash flows from financing activities:
Proceeds from issuance of shares	7.8	9.1	10.8
Repurchase of shares	(378.4)	(176.0)	(229.9)
Borrowings from revolving credit agreements	7,925.8	7,904.6	5,074.0
Repayments of revolving credit agreements	(7,393.6)	(7,733.2)	(5,061.0)
Net (repayments) borrowings from short-term debt obligations	(302.8)	1.2	0.1
Debt issuance costs		(3.0)
Other, net	(2.0)	(3.9)	(6.0)
Net cash used in financing activities	(143.2)	(1.2)	(212.0)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	(86.1)	(388.6)	(109.6)
Increase (decrease) in cash and cash equivalents and restricted cash	256.2	(95.3)	(13.4)
Cash and cash equivalents and restricted cash at beginning of period	1,990.8	2,086.1	2,099.5
Cash and cash equivalents and restricted cash at end of period	2,247.0	1,990.8	2,086.1
Supplemental Cash Flow Disclosures:
Interest paid during the period	53.2	29.1	18.5
Income taxes paid during the period	$ 94.5	$ 86.2	$ 48.7

Stock Plans (Tables)

12 Months Ended

Dec. 31, 2023

Stock Plans

Schedule of stock options activity

	Number of Shares		Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (years)	Aggregate Intrinsic Value (millions)
Balance at December 31, 2022 (1,466,983 shares exercisable)	4,703,405		$	103.51
Granted	595,777		$	91.66
Exercised	(152,209	)	$	90.92
Forfeited/Canceled	(27,981	)	$	116.58
Expired	—		$	—
Balance at December 31, 2023	5,118,992		$	103.66	6.6	$	39.5
Exercisable at December 31, 2023	2,211,566		$	103.03	4.9	$	24.6
Vested and expected to vest at December 31, 2023	4,170,033		$	99.90	6.4	$	33.6

Schedule of the fair value using the Black-Scholes-Merton option-pricing model or Monte Carlo simulation model

	Year ended December 31,
	2023			2022			2021
Volatility	42.5		%	42.4		%	39.3		%
Risk-free interest rate - weighted average	4.23		%	3.97		%	1.2		%
Risk-free interest rate - range	4.23		%	3.97% to 3.45		%	0.50% to 1.21		%
Dividend yield	—		%	—		%	—		%
Assumed forfeitures	8.0		%	8.0		%	8.0		%
Expected lives	5.0 years			4.6 years			4.6 years
Weighted-average fair value (per option)	$	39.43		$	37.15		$	39.99

Schedule of restricted stock activity

	Number of Shares		Weighted Average Grant Date Fair Value Per Share
Nonvested at December 31, 2022	676,435		$	115.36
Granted	267,678		$	92.76
Vested	(146,716	)	$	123.78
Forfeited	(30,695	)	$	145.87
Nonvested at December 31, 2023	766,702		$	104.65

Financial Instruments and Fair Value Measurements

12 Months Ended

Dec. 31, 2023

Financial Instruments and Fair Value Measurements

Financial Instruments and Fair Value Measurements

(19) Financial Instruments and Fair Value Measurements

Concentrations of credit risk

The Company's credit risk primarily relates to trade accounts receivable and cash and cash equivalents. The EFT Processing Segment's customer base includes the most significant international card organizations and certain banks in its markets. The epay Segment's customer base is diverse and includes several major retailers and/or distributors in markets that they operate. The Money Transfer Segment trade accounts receivable is primarily due from independent agents that collect cash from customers on the Company's behalf and generally remit the cash within one week. The Company performs ongoing evaluations of its customers' financial condition and limits the amount of credit extended, or purchases credit enhancement protection, when deemed necessary, but generally requires no collateral. See Note 16, Valuation and Qualifying Accounts, to the Consolidated Financial Statements for further disclosure.

The Company invests excess cash not required for use in operations primarily in high credit quality, short-term duration securities that the Company believes bear minimal risk.

Fair value measurements

Fair value measurements used in the consolidated financial statements are based upon the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy distinguishes between (1) market participant assumptions developed based on market data obtained from independent sources (observable inputs) and (2) an entity's own assumptions about market participant assumptions developed based on the best information available in the circumstances (unobservable inputs). The fair value hierarchy consists of three broad levels, which gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The three levels of the fair value hierarchy are described below:

Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities.
Level 2 – Valuations based on quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable data for substantially the full term of the assets or liabilities.
Level 3 – Unobservable inputs in which little or no market activity exists, therefore requiring an entity to develop its own assumptions about the inputs that market participants would use in pricing.

The following table details financial assets measured and recorded at fair value on a recurring basis:

		As of December 31, 2023
(in millions)	Balance Sheet Classification	Level 1			Level 2			Level 3		Total
Assets
Foreign currency exchange contracts	Other current assets	$	—	$	50.0			$	—	$	50.0
Liabilities
Foreign currency exchange contracts	Other current liabilities	$	—	$	(39.1		)	$	—	$	(39.1	)

		As of December 31, 2022
(in millions)	Balance Sheet Classification	Level 1			Level 2			Level 3		Total
Assets
Foreign currency exchange contracts	Other current assets	$	—		$	50.3		$	—	$	50.3
Liabilities
Foreign currency exchange contracts	Other current liabilities	$	—		$	(42.3	)	$	—	$	(42.3	)

The carrying amounts of cash and cash equivalents, trade accounts receivable, trade accounts payable and short-term debt obligations are approximate fair values due to their short maturities. The carrying amount of the convertible notes receivable approximates fair value because we issued the notes on October 18, 2023. The carrying values of the Company's revolving credit agreements approximate fair values because interest is based on SOFR that resets at various intervals of less than one year. The Company estimates the fair value of the Convertible Notes and Senior Notes using quoted prices in inactive markets for identical liabilities (Level 2). As of December 31, 2023, the fair values of the Convertible Notes and Senior Notes were $530.3 million and $621.6 million, respectively, with carrying values of $525.0 million and $662.2 million, respectively.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Organization

12 Months Ended

Dec. 31, 2023

Organization

Organization

(1) Organization

Euronet Worldwide, Inc. (the "Company" or "Euronet") was established as a Delaware corporation on December 13, 1996 and succeeded Euronet Holding N.V. as the group holding company, which was founded and established in 1994. Euronet is a leading financial technology solutions and payments provider. Euronet offers payment and transaction processing and distribution solutions to financial institutions, retailers, service providers and individual consumers. Euronet's primary product offerings include comprehensive ATM, POS, card outsourcing, card issuing and merchant acquiring services, electronic distribution of prepaid mobile airtime and other electronic payment products, and international payment services.

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Revenues	$ 3,688.0	$ 3,358.8	$ 2,995.5
Operating expenses:
Direct operating costs	2,222.8	2,018.2	1,900.2
Acquired contract cost impairment			38.6
Salaries and benefits	602.9	534.2	484.9
Selling, general and administrative	296.8	285.1	252.0
Depreciation and amortization	132.9	135.9	135.8
Total operating expenses	3,255.4	2,973.4	2,811.5
Operating income	432.6	385.4	184.0
Other income (expense):
Interest income	15.2	2.0	0.7
Interest expense	(55.6)	(37.5)	(38.3)
Foreign currency exchange gain (loss), net	8.0	(28.2)	(10.8)
Other gains, net	0.2	0.9
Other expense, net	(32.2)	(62.8)	(48.4)
Income before income taxes	400.4	322.6	135.6
Income tax expense	(120.9)	(91.9)	(65.1)
Net income	279.5	230.7	70.5
Less: Net loss attributable to noncontrolling interests	0.2	0.3	0.2
Net income (loss) attributable to Euronet Worldwide, Inc.	$ 279.7	$ 231.0	$ 70.7
Earnings per share attributable to Euronet Worldwide, Inc. stockholders:
Basic	$ 5.77	$ 4.6	$ 1.34
Diluted	$ 5.5	$ 4.41	$ 1.32
Weighted average shares outstanding:
Basic	48,482,006	50,175,614	52,585,674
Diluted	51,599,633	53,463,308	53,529,576

Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
Income Taxes (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income before taxes:
Total income before income taxes	$ 400.4	$ 322.6	$ 135.6
United States
Income before taxes:
Total income before income taxes	7.0	(12.5)	(4.8)
Foreign
Income before taxes:
Total income before income taxes	$ 393.4	$ 335.1	$ 140.4

- Definition

Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(11))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-30

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479557/942-235-S99-1

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 25
-Paragraph 1
-SubTopic 20
-Topic 940
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481913/940-20-25-1

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(10))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(15))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1

+ Details

Commitments

12 Months Ended

Dec. 31, 2023

Commitments

Commitments

(21) Commitments

As of December 31, 2023, the Company had $80.0 million of stand-by letters of credit/bank guarantees issued on its behalf, of which $3.4 million are collateralized by cash deposits held by the respective issuing banks.

Under certain circumstances, the Company grants guarantees in support of the obligations of subsidiaries. As of December 31, 2023, the Company granted off balance sheet guarantees for cash in various ATM networks amounting to $11.2 million over the terms of the cash supply agreements and performance guarantees amounting to approximately $75.0 million over the terms of the agreements with the customers.

From time to time, the Company enters into agreements with commercial counterparties that contain indemnification provisions, the terms of which may vary depending on the negotiated terms of each respective agreement. The amount of such potential obligations is generally not stated in the agreements. Euronet's liability under such indemnification provisions may be mitigated by relevant insurance coverage and may be subject to time and materiality limitations, monetary caps and other conditions and defenses. Such indemnification obligations include the following:

•

In connection with contracts with financial institutions in the EFT Processing Segment, the Company is responsible for damage to ATMs and theft of ATM network cash that, generally, is not recorded on the Company's Consolidated Balance Sheets. As of December 31, 2023, the balance of such cash used in the Company's ATM networks for which the Company was responsible was approximately $576.2 million. The Company maintains insurance policies to mitigate this exposure;

•

In connection with contracts with certain customers the Company is responsible for losses suffered by those customers and other parties as a result of the breach of its computer systems, including in particular, losses arising from fraudulent transactions made using information stolen through its processing systems. The Company maintains insurance policies to mitigate this exposure;

•

In connection with the license of proprietary systems to customers, the Company provides certain warranties and infringement indemnities to the licensee, which generally warrant that such systems do not infringe on intellectual property owned by third parties and that the systems will perform in accordance with their specifications;

•

Euronet has entered into purchase and service agreements with vendors and consulting agreements with providers of consulting services, pursuant to which the Company has agreed to indemnify certain of such vendors and consultants, respectively, against third-party claims arising from the Company's use of the vendor's product or the services of the vendor or consultant;

•

In connection with acquisitions and dispositions of subsidiaries, operating units and business assets, the Company has entered into agreements containing indemnification provisions, which can be generally described as follows: (i) in connection with acquisitions of operating units or assets made by Euronet, the Company has agreed to indemnify the seller against third party claims made against the seller relating to the operating unit or asset and arising after the closing of the transaction, and (ii) in connection with dispositions made by Euronet, Euronet has agreed to indemnify the buyer against damages incurred by the buyer due to the buyer's reliance on representations and warranties relating to the subject subsidiary, operating unit or business assets in the disposition agreement if such representations or warranties were untrue when made; and

•

Euronet has entered into agreements with certain third parties, including banks that provide fiduciary and other services to Euronet or to the Company's benefit plans. Under such agreements, the Company has agreed to indemnify such service providers for third-party claims relating to carrying out their respective duties under such agreements.

The Company is also required to meet minimum capitalization and cash requirements of various regulatory authorities in the jurisdictions in which the Company has money transfer operations. The Company has obtained surety bonds in compliance with money transfer licensing requirements of the applicable governmental authorities.

To date, the Company is not aware of any significant claims made by the indemnified parties or third parties to guarantee agreements with the Company and, accordingly, no liabilities were recorded as of December 31, 2023 or 2022.

Basis of Preparation

12 Months Ended

Dec. 31, 2023

Basis of Preparation

Basis of Preparation

(2) Basis of Preparation

The Consolidated Financial Statements have been prepared in conformity with accounting principles generally accepted in the United States ("U.S. GAAP") and pursuant to the rules and regulations of the Securities and Exchange Commission ("SEC"). The Consolidated Financial Statements include the accounts of Euronet and its wholly owned and majority owned subsidiaries and all significant intercompany balances and transactions have been eliminated. Euronet's investments in companies that it does not control, but has the ability to significantly influence, are accounted for under the equity method. Euronet has no variable interest entities. Results from operations related to entities acquired during the periods covered by the Consolidated Financial Statements are reflected from the effective date of acquisition.

The preparation of the Consolidated Financial Statements in conformity with U.S. GAAP requires that management make a number of estimates and assumptions relating to the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities and the reported amounts of revenues and expenses. Significant items subject to such estimates and assumptions include computing income taxes, contingent purchase price consideration, estimating the useful lives and potential impairment of long-lived assets and goodwill, as well as allocating the purchase price to assets acquired and liabilities assumed in acquisitions and revenue recognition. Actual results could differ from those estimates.

Seasonality

Euronet’s EFT Processing Segment normally experiences its heaviest demand for DCC services during the third quarter of the fiscal year, normally coinciding with the tourism season. Additionally, the EFT Processing and epay Segments are normally impacted by seasonality during the fourth quarter and first quarter of each year due to higher transaction levels during the holiday season and lower levels following the holiday season. Seasonality in the Money Transfer Segment varies by region of the world. In most markets, Euronet usually experiences increased demand for money transfer services from the month of May through the fourth quarter of each year, coinciding with the increase in worker migration patterns and various holidays, and its lowest transaction levels during the first quarter of the year.

Goodwill and Acquired Intangible Assets, Net (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 381.7	$ 387.5
Accumulated Amortization	(214.1)	(199.2)
Customer relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	270.5	279.1
Accumulated Amortization	(121.4)	(117.0)
Trademarks and trade names [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	56.4	43.9
Accumulated Amortization	(54.6)	(33.7)
Software [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	44.6	54.6
Accumulated Amortization	(36.3)	(48.4)
Non-compete agreements [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	10.2	9.9
Accumulated Amortization	$ (1.8)	$ (0.1)

Property and Equipment, Net

12 Months Ended

Dec. 31, 2023

Property and Equipment, Net

Property and Equipment, Net

(8) Property and Equipment, Net

The components of property and equipment, net of accumulated depreciation and amortization as of December 31, 2023 and 2022 are as follows:

	As of December 31,
(in millions)	2023			2022
ATMs	$	635.8		$	578.1
POS terminals	43.7			41.5
Vehicles and office equipment	73.8			76.3
Computers and software	235.1			216.5
Land and buildings	0.6			0.6
	989.0			913.0
Less accumulated depreciation	(656.9		)	(576.4		)
Total	$	332.1		$	336.6

Depreciation expenses related to property and equipment, including property and equipment recorded under finance leases, for the years ended December 31, 2023, 2022 and 2021 was $100.8 million, $101.5 million, and $104.7 million, respectively.

Business Segment Information (Details 1) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Revenues	$ 3,688.0	$ 3,358.8	$ 2,995.5
Property and Equipment, net	332.1	336.6
Total Assets	5,894.4	5,403.6	4,744.3
UNITED STATES
Segment Reporting Information [Line Items]
Revenues	898.5	830.8	805.0
Property and Equipment, net	63.0	59.9
Total Assets	1,198.5	1,051.4
Non-US
Segment Reporting Information [Line Items]
Revenues	2,789.5	2,528.0	2,190.5
Property and Equipment, net	269.1	276.7
Total Assets	4,695.9	4,352.2
GERMANY
Segment Reporting Information [Line Items]
Revenues	691.5	644.5	631.5
Property and Equipment, net	29.0	30.2
Total Assets	760.2	772.6
SPAIN
Segment Reporting Information [Line Items]
Revenues	243.4	211.7	157.8
Property and Equipment, net	40.8	46.4
Total Assets	375.5	322.6
UNITED KINGDOM
Segment Reporting Information [Line Items]
Revenues	152.5	144.7	143.9
Property and Equipment, net	8.7	10.5
Total Assets	441.3	403.9
ITALY
Segment Reporting Information [Line Items]
Revenues	185.8	160.7	130.1
Property and Equipment, net	14.9	16.7
Total Assets	229.9	207.7
POLAND
Segment Reporting Information [Line Items]
Revenues	114.9	98.1	93.7
Property and Equipment, net	28.8	23.0
Total Assets	280.7	220.7
INDIA
Segment Reporting Information [Line Items]
Revenues	170.3	188.5	173.1
Property and Equipment, net	28.5	30.5
Total Assets	241.4	241.6
FRANCE
Segment Reporting Information [Line Items]
Revenues	198.6	173.8	166.7
Property and Equipment, net	8.6	8.5
Total Assets	165.0	140.4
GREECE
Segment Reporting Information [Line Items]
Revenues	205.8	161.0	61.6
Property and Equipment, net	19.6	18.0
Total Assets	653.9	597.2
MALAYSIA
Segment Reporting Information [Line Items]
Revenues	51.9	47.6	50.0
Property and Equipment, net	4.3	2.2
Total Assets	98.5	77.6
AUSTRALIA
Segment Reporting Information [Line Items]
Revenues	53.5	42.4	46.9
Property and Equipment, net	1.9	2.9
Total Assets	85.6	58.4
NEW ZEALAND
Segment Reporting Information [Line Items]
Revenues	51.6	61.6	56.5
Property and Equipment, net	4.0	3.5
Total Assets	190.7	234.8
NETHERLANDS
Segment Reporting Information [Line Items]
Revenues	62.8	54.6	49.4
Property and Equipment, net	5.0	5.3
Total Assets	170.9	196.7
CANADA
Segment Reporting Information [Line Items]
Revenues	70.1	66.4	46.9
Property and Equipment, net	0.7	0.7
Total Assets	123.7	106.4
BRAZIL
Segment Reporting Information [Line Items]
Revenues	55.2	51.4	44.3
Property and Equipment, net	0.3	0.3
Total Assets	38.2	46.7
Other Countries [Member]
Segment Reporting Information [Line Items]
Revenues	481.6	421.0	$ 338.1
Property and Equipment, net	74.0	78.0
Total Assets	$ 840.4	$ 724.9

Related Party Transactions

12 Months Ended

Dec. 31, 2023

Related Party Transactions

Related Party Transactions

(22) Related Party Transactions

The Company leases an airplane from a company owned by Mr. Michael J. Brown, Euronet's Chief Executive Officer, President, and Chairman of the Board of Directors. The airplane is leased for business use on a per flight hour basis at competitive commercial rates with no minimum usage requirement. Euronet incurred expenses of $0.2 million, $0.2 million, and $0.1 million during the years ended December 31, 2023, 2022 and 2021, respectively, for the use of this airplane.

- Definition

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480990/946-20-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480990/946-20-50-5

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480990/946-20-50-6

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483326/850-10-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(g)(3))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(c))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(e))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//850/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483326/850-10-50-6

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483326/850-10-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483326/850-10-50-1

+ Details

Derivative Instruments and Hedging Activities Derivative Financial Information (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Ria Operations [Member] \| Foreign Exchange Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 393.3	$ 398.6
Corporate Operations [Member] \| Foreign Exchange Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	563.1	228.4
xe Operations [Member] \| Trading Revenue [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Trading Activity, Gain	85.3	86.6	$ 79.5
xe Operations [Member] \| Foreign Exchange Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 1.1	$ 1.0
Maximum [Member] \| Ria Operations [Member] \| Foreign Exchange Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Foreign currency forward contract term	14 days
Maximum [Member] \| xe Operations [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, term of contract	1 year

Stockholders' Equity (Tables)

12 Months Ended

Dec. 31, 2023

Stockholders' Equity

Schedule of weighted average number of common shares outstanding

		Year Ended December 31,
		2023		2022		2021
Computation of diluted earnings:
Net income attributable to Euronet Worldwide, Inc. stockholders	$	279.7	$	231.0	$	70.7
Add: Interest expense from assumed conversion of convertible notes, net of tax		4.2		4.7		—
Net income for diluted earnings per share calculation	$	283.9	$	235.7	$	70.7

Computation of diluted weighted average shares outstanding:
Basic weighted average shares outstanding		48,482,006		50,175,614		52,585,674
Incremental shares from assumed exercise of stock options and vesting of restricted stock		335,809		505,876		943,902
Incremental shares from assumed conversion of convertible debt		2,781,818		2,781,818		—
Diluted weighted average shares outstanding		51,599,633		53,463,308		53,529,576

Leases (Details 2)	Dec. 31, 2023	Dec. 31, 2022
Leases
Weighted- average remaining lease term (years)	4 years 3 months 18 days	4 years 7 months 6 days
Weighted- average discount rate	2.49%	2.27%

Accrued Expenses and Other Current Liabilities

12 Months Ended

Dec. 31, 2023

Accrued Expenses and Other Current Liabilities

Accrued Expenses and Other Current Liabilities

(11) Accrued Expenses and Other Current Liabilities

The balances as of December 31, 2023 and 2022 were as follows:

	As of December 31,
(in millions)	2023		2022
Accrued expenses	$	254.8	$	311.8
Other tax payables	69.1		80.6
Derivative liabilities	39.1		42.3
Accrued payroll expenses	74.4		68.0
Current portion of finance lease obligations	1.6		3.0
Total	$	439.0	$	505.7

Litigation and Contingencies

12 Months Ended

Dec. 31, 2023

Litigation and Contingencies

Litigation and Contingencies

(20) Litigation and Contingencies

From time to time, the Company is a party to legal and regulatory proceedings arising in the ordinary course of its business. Currently, there are no legal proceedings or regulatory findings that management believes, either individually or in aggregate, would have a material adverse effect upon the Consolidated Financial Statements of the Company. In accordance with U.S. GAAP, the Company records a liability when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. These provisions are reviewed at least quarterly and adjusted to reflect the impacts of negotiations, settlements, rulings, advice of legal counsel, and other information and events pertaining to a particular case.

Income Taxes (Details 4) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards
Foreign Tax Authority [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 247.4	$ 260.6
Operating Loss Carryforward, Tax Effected	57.7
Foreign Tax Authority [Member] \| 2024 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	1.7
Operating Loss Carryforward, Tax Effected	0.4
Foreign Tax Authority [Member] \| 2025 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	13.1
Operating Loss Carryforward, Tax Effected	3.3
Foreign Tax Authority [Member] \| 2026 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	18.3
Operating Loss Carryforward, Tax Effected	4.6
Foreign Tax Authority [Member] \| 2027 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	3.6
Operating Loss Carryforward, Tax Effected	0.9
Foreign Tax Authority [Member] \| 2028 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	4.1
Operating Loss Carryforward, Tax Effected	1.0
Foreign Tax Authority [Member] \| Thereafter [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	20.3
Operating Loss Carryforward, Tax Effected	5.3
Foreign Tax Authority [Member] \| Unlimited [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	186.3
Operating Loss Carryforward, Tax Effected	$ 42.2

Convertible Notes Receivable (Details) - Convertible Notes Receivable $ in Millions	Oct. 19, 2023 USD ($)	Dec. 31, 2023 USD ($)
Convertible Notes Receivable
Number of convertible notes receivable	2
Principal amount of receivable	$ 60.0	$ 60.0
Receivable, Interest rate per annum	2.00%
Unpaid principal and interest due and payable date	Oct. 18, 2028
Accrued interest receivable		$ 0.2

Valuation and Qualifying Accounts

12 Months Ended

Dec. 31, 2023

Valuation and Qualifying Accounts

Valuation and Qualifying Accounts

(16) Valuation and Qualifying Accounts

Trade accounts receivable and accounts receivable balances included within the settlement assets are stated net of credit losses. Historically, the Company has not experienced significant write-offs. The Company records credit losses when it is probable that the accounts receivable balance will not be collected.

The following table provides a summary of the credit loss balances and activity for the years ended December 31, 2023, 2022 and 2021:

	Year Ended December 31,
(in millions)	2023			2022			2021
Beginning balance-credit losses	$	37.0		$	31.8		$	41.7
Additions-charged to expense	13.3			16.3			9.7
Amounts written off	(9.8		)	(12.9		)	(21.6		)
Other (primarily changes in foreign currency exchange rates)	(1.2		)	1.8			2.0
Ending balance-credit losses	$	39.3		$	37.0		$	31.8

Derivative Instruments and Hedging Activities (Details 2) - USD ($)
$ in Millions

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Derivative Instruments, Gain (Loss) [Line Items]

Gain (Loss) on Foreign Currency Derivative Instruments Not Designated as Hedging Instruments

^[1]

$ (1.7)

$ (0.3)

$ 1.6

[1]

The Company enters into derivative contracts such as foreign currency exchange forwards and cross-currency swaps as part of its xe operations. These derivative contracts are excluded from this table as they are part of the broader disclosure of foreign currency exchange revenues for this business discussed above.

Goodwill and Acquired Intangible Assets, Net

12 Months Ended

Dec. 31, 2023

Goodwill and Acquired Intangible Assets, Net

Goodwill and Acquired Intangible Assets, Net

(9) Goodwill and Acquired Intangible Assets, Net

The following table summarizes intangible assets as of December 31, 2023 and 2022:

	As of December 31, 2023					As of December 31, 2022
(in millions)	Gross Carrying Amount		Accumulated Amortization			Gross Carrying Amount		Accumulated Amortization
Customer relationships	$	270.5	$	(121.4	)	$	279.1	$	(117.0	)
Trademarks and trade names	56.4		(54.6		)	43.9		(33.7		)
Software	44.6		(36.3		)	54.6		(48.4		)
Non-compete agreements	10.2		(1.8		)	9.9		(0.1		)
Total	$	381.7	$	(214.1	)	$	387.5	$	(199.2	)

The following table summarizes the goodwill and amortizable intangible assets activity for the years ended December 31, 2023 and 2022:

(in millions)	Acquired Intangible Assets			Goodwill			Total Intangible Assets
Balance as of January 1, 2022	$	97.8		$	641.6		$	739.4
Increases (decreases):
Acquisitions (see footnote 6)	124.8			224.3			349.1
Amortization	(27.0		)	—			(27.0		)
Other (primarily changes in foreign currency exchange rates)	(7.3		)	(37.6		)	(44.9		)
Balance as of December 31, 2022	188.3			828.3			1,016.6
Increases (decreases):
Acquisitions (see footnote 6)	—			1.3			1.3
Amortization	(24.5		)	—			(24.5		)
Other (primarily changes in foreign currency exchange rates)	3.8			17.9			21.7
Balance as of December 31, 2023	$	167.6		$	847.5		$	1,015.1

Of the total goodwill balance of $847.5 million as of December 31, 2023, $389.9 million relates to the Money Transfer Segment, $125.9 million relates to the epay Segment and the remaining $331.7 million relates to the EFT Processing Segment. Amortization expense for intangible assets with finite lives was $24.5 million, $27.0 million, and $23.1 million for the years ended December 31, 2023, 2022 and 2021, respectively. Estimated annual amortization expense on intangible assets with finite lives as of December 31, 2023, is expected to be $18.2 million for 2024, $14.6 million for 2025, $14.3 million for 2026, $13.0 million for 2027, and$12.6 million for 2028.

Stock Plans (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Summary stock options activity
Number of Shares, Exercisable		1,466,983
Employee Stock Option
Summary stock options activity
Number of Shares, Outstanding balance	4,703,405
Number of Shares, Granted	595,777
Number of Shares, Exercised	(152,209)
Number of Shares, Forfeited/Canceled	(27,981)
Number of Shares, Expired
Number of Shares, Outstanding balance	5,118,992	4,703,405
Number of Shares, Exercisable	2,211,566
Number of Shares, Vested and expected to vest	4,170,033
Weighted Average Exercise Price, Outstanding balance	$ 103.51
Weighted Average Exercise Price, Granted	91.66
Weighted Average Exercise Price, Exercised	90.92
Weighted Average Exercise Price, Forfeited/Canceled	116.58
Weighted Average Exercise Price, Expired
Weighted Average Exercise Price, Outstanding balance	103.66	$ 103.51
Weighted Average Exercise Price, Exercisable	103.03
Weighted Average Exercise Price, Vested and expected to vest	$ 99.9
Weighted Average Remaining Contractual Term (years), Outstanding balance	6 years 7 months 6 days
Weighted Average Remaining Contractual Term (years), Exercisable	4 years 10 months 24 days
Weighted Average Remaining Contractual Term (years), Vested and expected to vest	6 years 4 months 24 days
Aggregate Intrinsic Value (thousands), Outstanding balance	$ 39.5
Aggregate Intrinsic Value (thousands), Exercisable	24.6
Aggregate Intrinsic Value (thousands), Vested and expected to vest	$ 33.6

Debt Obligations (Tables)

12 Months Ended

Dec. 31, 2023

Debt Obligations

Schedule of debt obligations

	As of December 31,
(in millions)	2023			2022
Credit Facility:
Revolving credit agreement	$	536.9		$	454.8

Convertible Debt:
0.75% convertible notes, unsecured, due 2049	525.0			525.0

1.375% Senior Notes, due 2026	662.2			642.1

Uncommitted credit agreement	150.0			—

Other obligations	0.3			0.2

Total debt obligations	$	1,874.4		$	1,622.1
Unamortized debt issuance costs	(8.7		)	(12.9		)
Carrying value of debt	$	1,865.7		$	1,609.2
Short-term debt obligations and current maturities of long-term debt obligations	(150.3		)	(0.1		)
Long-term debt obligations	$	1,715.4		$	1,609.1

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($) $ in Millions	Total	Common Stock	Additional Paid-in Capital	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Loss	Noncontrolling Interests
Balance at Dec. 31, 2020	$ 1,446.0	$ 1.3	$ 1,228.4	$ (703.0)	$ 1,013.2	$ (94.2)	$ 0.3
Balance, shares at Dec. 31, 2020		52,734,049
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	70.5				70.7		(0.2)
Other comprehensive (loss) income	(78.5)					(78.4)	(0.1)
Stock issued under employee stock plans	8.7		9.1	(0.4)
Stock issued under employee stock plans, shares		413,835
Share-based compensation	36.6		36.6
Repurchase of shares	(227.8)			(227.8)
Repurchase of shares, shares		(2,000,000)
Balance at Dec. 31, 2021	1,255.5	$ 1.3	1,274.1	(931.2)	1,083.9	(172.6)	(0.0)
Balance, shares at Dec. 31, 2021		51,147,884
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	230.7				231.0		(0.3)
Other comprehensive (loss) income	(78.3)					(78.4)	0.1
Adoption of ASU-2020-60 on Convertible bond \| ASU 2020-06	(40.7)		(74.1)		33.4
Stock issued under employee stock plans	8.1		7.7	0.4
Stock issued under employee stock plans, shares		314,358
Share-based compensation	44.1		44.1
Repurchase of shares	(175.0)			(175.0)
Repurchase of shares, shares		(1,639,535)
Balance at Dec. 31, 2022	1,244.4	$ 1.3	1,251.8	(1,105.8)	1,348.3	(251.0)	(0.2)
Balance, shares at Dec. 31, 2022		49,822,707
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	279.5				279.7		(0.2)
Other comprehensive (loss) income	47.9				(0.1)	47.8	0.2
Stock issued under employee stock plans	(2.6)		6.1	3.5
Stock issued under employee stock plans, shares		292,151
Share-based compensation	53.7		53.7
Repurchase of shares	(378.4)			(378.4)
Repurchase of shares, shares		(4,336,896)
Balance at Dec. 31, 2023	$ 1,249.7	$ 1.3	$ 1,311.6	$ (1,487.7)	$ 1,627.9	$ (203.2)	$ (0.2)
Balance, shares at Dec. 31, 2023		45,777,962

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Net income	$ 279.5	$ 230.7	$ 70.5
Other comprehensive (loss) income
Translation adjustment	47.9	(78.3)	(78.5)
Comprehensive (loss) income	327.4	152.4	(8.0)
Comprehensive loss (income) attributable to noncontrolling interests		(0.2)	0.1
Comprehensive (loss) income attributable to Euronet Worldwide, Inc.	$ 327.4	$ 152.2	$ (7.9)

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income (loss) and other comprehensive income (loss), attributable to noncontrolling interests. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481687/323-10-50-3

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482907/825-10-50-28

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 65
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480175/815-40-65-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-8

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483443/250-10-50-9

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
-SubTopic 830
-Name Accounting Standards Codification
-Section 55
-Paragraph 11
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480167/946-830-55-11

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 205
-Name Accounting Standards Codification
-Section 45
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480767/946-205-45-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section 45
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483581/946-220-45-7

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(16))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(9))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(1)(d))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 19
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481231/810-10-45-19

Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482765/220-10-50-6

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(ii))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(5))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(B))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-30

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 29: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479557/942-235-S99-1

Reference 32: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483499/205-20-50-7

Reference 33: http://www.xbrl.org/2003/role/exampleRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 4J
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481175/810-10-55-4J

Reference 34: http://www.xbrl.org/2003/role/exampleRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 4K
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481175/810-10-55-4K

Reference 35: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A

Reference 36: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B

Reference 37: http://www.xbrl.org/2003/role/disclosureRef
-Topic 230
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482740/230-10-45-2

Reference 38: http://www.xbrl.org/2003/role/disclosureRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A

Reference 39: http://www.xbrl.org/2003/role/disclosureRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A

+ Details

Settlement Assets and Obligations (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Settlement assets:
Settlement cash and cash equivalents	$ 327.4	$ 242.6	$ 203.6
Settlement restricted cash	125.0	94.0	$ 74.9
Account receivables	1,002.1	887.6
Prepaid expenses and other current assets	227.0	218.5
Total settlement assets	1,681.5	1,442.7
Settlement obligations:
Trade account payables	708.6	655.1
Accrued expenses and other current liabilities	972.9	787.6
Total settlement obligations	$ 1,681.5	$ 1,442.7

CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Allowance for doubtful accounts receivable	$ 3.6	$ 4.0
Property and equipment, accumulated depreciation	656.9	576.4
Accumulated amortization	214.1	199.2
Accumulated amortization of other assets	$ 76.3	$ 68.0
Preferred stock, par value per share	$ 0.02	$ 0.02
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock, par value per share	$ 0.02	$ 0.02
Common stock, shares authorized	90,000,000	90,000,000
Common stock, shares, issued	64,376,923	64,091,387
Treasury stock, shares	18,598,961	14,269,645

Acquisitions

12 Months Ended

Dec. 31, 2023

Acquisitions

Acquisitions

(6) Acquisitions

Acquisitions 2023

Other

The Company completed one acquisition in 2023 for an immaterial amount.

Acquisitions 2022

In accordance with ASC 805, the Company allocates the purchase price of its acquisitions to the tangible assets, liabilities and intangible assets acquired based on fair values. Any excess purchase price over those fair values is recorded as goodwill. The fair value assigned to intangible assets acquired is supported by valuations using estimates and assumptions provided by management. For certain large acquisitions, management engages an appraiser to assist in the valuation process.

On March 15, 2022 we completed the acquisition of the Merchant Acquiring Business of Piraeus Bank ("PBMA"). The acquisition includes 205,000 POS terminals at 170,000 merchants throughout Greece, as well as Piraeus Bank’s online merchant acquiring business and expands our omnichannel payments strategy where we use our proprietary technology to provide cash, card-based acquiring solutions, alternative payment acquiring, online acquiring, tokenized payment services and other payment products. Additionally, the acquisition includes a long-term commercial framework agreement between Piraeus Bank and Euronet which includes collaborative product distribution, processing and customer referrals.

The purchase price was €317.8 million, or approximately $350.6 million, which includes $331.0 million cash paid at closing, $4.4 million cash paid for surplus working capital and $15.2 million of estimated contingent consideration for a ten-year earn out contingent on performance targets outlined in the commercial framework agreement. The contingent consideration is related to a percentage of the net fee income received during the ten-year period of the commercial framework agreement and there is no contractual maximum amount of consideration under this agreement.

The acquisition has been accounted for as a business combination in accordance with U.S. GAAP and the results of operations have been included from the date of acquisition in the EFT Processing Segment.

The following table presents the final fair value that was allocated to PBMA's Euronet Merchant Services' (EMS) assets and liabilities based upon fair values as determined by the Company. The valuation process to determine the fair values is complete. For the year ended December 31, 2022, the Company made measurement period adjustments to reflect facts and circumstances in existence as of the effective time of the acquisition. These adjustments primarily included an adjustment to the accrued expenses and other current liabilities related to the surplus working capital of $4.4 million and some other immaterial adjustments.

(in millions)	As of March 15, 2022
Other current assets	$	1.8
Settlement assets	77.6
Property and equipment	5.7
Intangible assets	122.5
Total assets acquired	$	207.6

Trade accounts payable	$	(2.1	)
Settlement liabilities		(65.9	)
Accrued expenses and other current liabilities		(1.3	)
Deferred revenue		(0.3	)
Other long-term liabilities	(0.1		)
Total liabilities assumed	$	(69.7	)

Goodwill	212.7

Net assets acquired	$	350.6

The fair value measurements of intangible assets were based on significant inputs not observable in the market and represent Level 3 measurements within the fair value hierarchy. Level 3 inputs include discount rates that would be used by a market participant in valuing these assets, projections of revenues and cash flows, and customer attrition rates, among others.

We acquired a customer relationship intangible asset with a fair value of $112.2 million that is being amortized on a straight-line basis over 15 years and a contract related intangible asset of $10.3 million that is being amortized on a straight-line basis over 10 years.

Goodwill, with a value of $212.7 million, arising from the acquisition was included in the EFT Processing Segment. The factors that make up goodwill include synergies from combining PBMA operations and intangible assets that do not qualify for separate recognition. Goodwill and intangible assets associated with this acquisition are deductible for tax purposes.

The results of PBMA operations are included in our consolidated results of operation, as part of our EFT Processing business segment, beginning on March 16, 2022. For the period beginning on the acquisition date through December 31, 2022, PBMA had $88.8 million in revenue. For 2023, PBMA had $130.2 million in revenue. The PBMA business is impacted by higher transaction volumes during the tourism season in the second and third quarters.

Other

The Company completed one additional acquisition in 2022 for immaterial amounts.

Leases

12 Months Ended

Dec. 31, 2023

Leases

Leases

(14) Leases

The Company enters into operating leases for ATM sites, office spaces, retail stores and equipment. The Company's finance leases are immaterial. Right of use assets and lease liabilities are recognized at the lease commencement date based on the present value of the lease payments over the lease terms.

The present value of lease payments is determined using the incremental borrowing rate based on information available at the lease commencement date. The Company recognizes lease expense for these leases on a straight-line basis over the lease term.

Most leases include an option to renew, with renewal terms that can extend the lease terms. The exercise of lease renewal options is at the Company’s sole discretion. The depreciable life of assets and leasehold improvements are limited by the expected lease terms. The Company also has a unilateral termination right for most of the ATM site leases. Leases of ATM sites with termination options exercisable within the next 12 months are excluded from the right of use lease assets and lease liability under the short-term lease exemption as the termination options are not reasonably certain not to be exercised. Payments for ATM site leases with termination options subject to the short-term lease exemption are expensed in the period incurred. The short-term lease expense for 2023 reasonably reflects the Company’s short-term lease commitments. Certain of the Company's lease agreements include variable rental payments based on revenues generated from the use of the leased location and certain leases include rental payments adjusted periodically for inflation. Variable lease payments are recognized when the event, activity, or circumstance in the lease agreement on which those payments are assessed occurs and are excluded from the right of use assets and lease liabilities balances. The lease agreements do not contain any material residual value guarantees or material restrictive covenants.

Future minimum lease payments

Future minimum lease payments under the operating leases (with initial lease terms in excess of one year) as of December 31, 2023 are:

	As of December 31, 2023
Maturity of Lease Liabilities (in millions)	Operating Leases (1)
2024	$	47.0
2025	36.3
2026	26.5
2027	17.9
2028	9.4
Thereafter	12.4
Total lease payments		149.5
Less: imputed interest	(7.4		)
Present value of lease liabilities	$	142.1

(1) Operating lease payments reflect the Company's current fixed obligations under the operating lease agreements.

Lease expense recognized in the Consolidated Statements of Operations is summarized as follows:

Lease Expense (in millions)	Income Statement Classification	Year ended December 31, 2023		Year ended December 31, 2022			Year ended December 31, 2021
Operating lease expense	Selling, general and administrative and Direct operating costs	$	50.1	$	51.0	$	55.6
Variable lease expense	Selling, general and administrative and Direct operating costs		164.3	142.6			116.0
Total lease expense		$	214.4	$	193.6	$	171.6

Other information about lease amounts recognized in the consolidated financial statements is summarized as follows:

Lease Term and Discount Rate of Operating Leases	As of December 31, 2023		As of December 31, 2022
Weighted- average remaining lease term (years)	4.3		4.6
Weighted- average discount rate	2.49	%	2.27	%

The following table presents supplemental cash flow and non-cash information related to leases:

Other Information (in millions)	Year ended December 31, 2023		Year ended December 31, 2022			Year ended December 31, 2021
Cash paid for amounts included in the measurement of lease liabilities (a)	$	49.9	$	49.7	$	51.5
Supplemental non-cash information on lease liabilities arising from obtaining ROU assets:
ROU assets obtained in exchange for new operating lease liabilities	$	49.9	$	50.0	$	69.1

(a) Included in Net cash provided by operating activities on the Company's Consolidated Statements of Cash Flows.

Goodwill and Acquired Intangible Assets, Net (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 847.5	$ 828.3	$ 641.6
Finite-Lived Intangible Assets, Amortization Expense	24.5	$ 27.0	$ 23.1
Future Amortization Expense, Year One	18.2
Future Amortization Expense, Year Two	14.6
Future Amortization Expense, Year Three	14.3
Future Amortization Expense, Year Four	13.0
Future Amortization Expense, Year Five	12.6
Money Transfer Segment [Member]
Finite-Lived Intangible Assets [Line Items]
Goodwill	389.9
Epay Segment [Member]
Finite-Lived Intangible Assets [Line Items]
Goodwill	125.9
EFT Processing Segment [Member]
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 331.7

Document and Entity Information Document - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2023	Feb. 21, 2024	Jun. 30, 2023
Entity Information [Line Items]
Entity File Number	001-31648
Entity Shell Company	false
Document Annual Report	true
Entity Small Business	false
City Area Code	(913)
Local Phone Number	327-4200
Entity Address, Address Line One	11400 Tomahawk Creek Parkway, Suite 300
Entity Address, City or Town	Leawood
Entity Address, State or Province	KS
Entity Incorporation, State or Country Code	DE
Entity Registrant Name	EURONET WORLDWIDE, INC.
Entity Central Index Key	0001029199
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2023
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Public Float			$ 5.5
Entity Common Stock, Shares Outstanding		45,782,740
Entity Tax Identification Number	74-2806888
Entity Address, Postal Zip Code	66211
Entity Emerging Growth Company	false
Document Transition Report	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Auditor Location	Kansas City, Missouri
Auditor Firm ID	185
Auditor Name	KPMG LLP
Common Stock
Entity Information [Line Items]
Title of 12(b) Security	Common Stock
Trading Symbol	EEFT
Security Exchange Name	NASDAQ
1.375% Senior Notes due 2026 [Member]
Entity Information [Line Items]
Title of 12(b) Security	1.375% Senior Notes due 2026
Trading Symbol	EEFT26
Security Exchange Name	NASDAQ

Commitments (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Financial Standby Letter of Credit [Member]
Commitments
Guarantees amount	$ 80.0
Collateralized cash deposits	3.4
Financial Guarantee [Member]
Commitments
Guarantees amount	11.2
Performance Guarantee [Member]
Commitments
Guarantees amount	75.0
Indemnification Agreement [Member]
Commitments
Guarantees amount	576.2
Guarantor Obligations, Current Carrying Value	$ 0.0	$ 0.0

Property and Equipment, Net (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	$ 989.0	$ 913.0
Less accumulated depreciation	(656.9)	(576.4)
Total	332.1	336.6
ATMs [Member]
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	635.8	578.1
POS terminals [Member]
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	43.7	41.5
Vehicles and Office Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	73.8	76.3
Computers and software [Member]
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	235.1	216.5
Land and buildings [Member]
Property, Plant and Equipment [Line Items]
Property and Equipment, Gross	$ 0.6	$ 0.6

Accrued Expenses and Other Current Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Accrued Expenses and Other Current Liabilities
Accrued expenses	$ 254.8	$ 311.8
Other tax payables	69.1	80.6
Derivative liabilities	39.1	42.3
Accrued payroll expenses	74.4	68.0
Current portion of finance lease obligations	1.6	3.0
Accrued expenses and other current liabilities	$ 439.0	$ 505.7

Leases (Tables)

12 Months Ended

Dec. 31, 2023

Leases

Schedule of future minimum lease payments

	As of December 31, 2023
Maturity of Lease Liabilities (in millions)	Operating Leases (1)
2024	$	47.0
2025	36.3
2026	26.5
2027	17.9
2028	9.4
Thereafter	12.4
Total lease payments		149.5
Less: imputed interest	(7.4		)
Present value of lease liabilities	$	142.1

(1) Operating lease payments reflect the Company's current fixed obligations under the operating lease agreements.

Schedule of lease expense recognized in consolidated statements of income

Lease Expense (in millions)	Income Statement Classification	Year ended December 31, 2023		Year ended December 31, 2022			Year ended December 31, 2021
Operating lease expense	Selling, general and administrative and Direct operating costs	$	50.1	$	51.0	$	55.6
Variable lease expense	Selling, general and administrative and Direct operating costs		164.3	142.6			116.0
Total lease expense		$	214.4	$	193.6	$	171.6

Schedule of other information about lease amounts recognized in consolidated financial statements

Lease Term and Discount Rate of Operating Leases	As of December 31, 2023		As of December 31, 2022
Weighted- average remaining lease term (years)	4.3		4.6
Weighted- average discount rate	2.49	%	2.27	%

Schedule of supplemental cash flow and non-cash information related to leases

Other Information (in millions)	Year ended December 31, 2023		Year ended December 31, 2022			Year ended December 31, 2021
Cash paid for amounts included in the measurement of lease liabilities (a)	$	49.9	$	49.7	$	51.5
Supplemental non-cash information on lease liabilities arising from obtaining ROU assets:
ROU assets obtained in exchange for new operating lease liabilities	$	49.9	$	50.0	$	69.1

(a) Included in Net cash provided by operating activities on the Company's Consolidated Statements of Cash Flows.

Leases (Details 1) - USD ($) $ in Millions	12 Months Ended
Leases (Details 1) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases
Operating lease expense	$ 50.1	$ 51.0	$ 55.6
Variable lease expense	164.3	142.6	116.0
Total lease expense	$ 214.4	$ 193.6	$ 171.6

Income Taxes (Details 6)	12 Months Ended
Income Taxes (Details 6)	Dec. 31, 2023
Domestic Tax Authority [Member] \| U.S. (Federal) [Member] \| Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2014
Domestic Tax Authority [Member] \| U.S. (Federal) [Member] \| Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2023
Foreign Tax Authority [Member] \| Germany [Member] \| Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2016
Foreign Tax Authority [Member] \| Germany [Member] \| Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2023
Foreign Tax Authority [Member] \| Greece [Member] \| Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2013
Foreign Tax Authority [Member] \| Greece [Member] \| Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2023
Foreign Tax Authority [Member] \| Spain [Member] \| Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2016
Foreign Tax Authority [Member] \| Spain [Member] \| Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2023
Foreign Tax Authority [Member] \| U.K. [Member] \| Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2019
Foreign Tax Authority [Member] \| U.K. [Member] \| Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Open tax year	2023

Pay vs Performance Disclosure - USD ($) $ in Millions	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income (Loss)	$ 279.7	$ 231.0	$ 70.7

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Goodwill and Acquired Intangible Assets, Net (Tables)

12 Months Ended

Dec. 31, 2023

Goodwill and Acquired Intangible Assets, Net

Schedule of intangible assets

	As of December 31, 2023					As of December 31, 2022
(in millions)	Gross Carrying Amount		Accumulated Amortization			Gross Carrying Amount		Accumulated Amortization
Customer relationships	$	270.5	$	(121.4	)	$	279.1	$	(117.0	)
Trademarks and trade names	56.4		(54.6		)	43.9		(33.7		)
Software	44.6		(36.3		)	54.6		(48.4		)
Non-compete agreements	10.2		(1.8		)	9.9		(0.1		)
Total	$	381.7	$	(214.1	)	$	387.5	$	(199.2	)

Schedule of goodwill and amortizable intangible assets

(in millions)	Acquired Intangible Assets			Goodwill			Total Intangible Assets
Balance as of January 1, 2022	$	97.8		$	641.6		$	739.4
Increases (decreases):
Acquisitions (see footnote 6)	124.8			224.3			349.1
Amortization	(27.0		)	—			(27.0		)
Other (primarily changes in foreign currency exchange rates)	(7.3		)	(37.6		)	(44.9		)
Balance as of December 31, 2022	188.3			828.3			1,016.6
Increases (decreases):
Acquisitions (see footnote 6)	—			1.3			1.3
Amortization	(24.5		)	—			(24.5		)
Other (primarily changes in foreign currency exchange rates)	3.8			17.9			21.7
Balance as of December 31, 2023	$	167.6		$	847.5		$	1,015.1

Valuation and Qualifying Accounts (Tables)

12 Months Ended

Dec. 31, 2023

Valuation and Qualifying Accounts

Schedule of valuation and qualifying accounts

	Year Ended December 31,
(in millions)	2023			2022			2021
Beginning balance-credit losses	$	37.0		$	31.8		$	41.7
Additions-charged to expense	13.3			16.3			9.7
Amounts written off	(9.8		)	(12.9		)	(21.6		)
Other (primarily changes in foreign currency exchange rates)	(1.2		)	1.8			2.0
Ending balance-credit losses	$	39.3		$	37.0		$	31.8

Settlement Assets and Obligations (Tables)

12 Months Ended

Dec. 31, 2023

Settlement Assets and Obligations

Schedule of settlement assets and liabilities

(in millions)	As of December 31, 2023		As of December 31, 2022
Settlement assets:
Settlement cash and cash equivalents	$	327.4	$	242.6
Settlement restricted cash	125.0		94.0
Account receivables, net of credit loss allowance of $35.7 and $33.0	1,002.1		887.6
Prepaid expenses and other current assets	227.0		218.5
Total settlement assets	$	1,681.5	$	1,442.7
Settlement obligations:
Trade account payables	$	708.6	$	655.1
Accrued expenses and other current liabilities	972.9		787.6
Total settlement obligations	$	1,681.5	$	1,442.7

Schedule of cash and cash equivalents and restricted cash

	As of
(in millions)	December 31, 2023		December 31, 2022		December 31, 2021
Cash and cash equivalents	$	1,254.2	$	1,131.2	$	1,260.5
Restricted cash	15.2		7.4		3.7
ATM cash	525.2		515.6		543.4
Settlement cash and cash equivalents	327.4		242.6		203.6
Settlement restricted cash	125.0		94.0		74.9
Cash and cash equivalents and restricted cash at end of period	$	2,247.0	$	1,990.8	$	2,086.1

Business Segment Information (Tables)

12 Months Ended

Dec. 31, 2023

Business Segment Information

Schedule of reportable segment results

	For the Year Ended December 31, 2023
(in millions)	EFT Processing		epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	1,058.3	$	1,082.4	$	1,555.2	$	(7.9	)	$	3,688.0
Operating expenses:
Direct operating costs	572.1		819.1		839.5		(7.9		)	2,222.8
Salaries and benefits	126.5		91.1		310.5		74.8			602.9
Selling, general and administrative	58.8		39.1		188.8		10.1			296.8
Depreciation and amortization	94.6		6.9		31.0		0.4			132.9
Total operating expenses	852.0		956.2		1,369.8		77.4			3,255.4
Operating income (expense)	$	206.3	$	126.2	$	185.4	$	(85.3	)	$	432.6
Other income (expense)
Interest income										15.2
Interest expense										(55.6		)
Foreign currency exchange gain, net										8.0
Other gains, net										0.2
Total other expense, net										(32.2		)
Income before income taxes										$	400.4
Segment assets as of December 31, 2023	$	2,442.0	$	1,204.9	$	1,921.2	$	326.3		$	5,894.4

	For the Year Ended December 31, 2022
(in millions)	EFT Processing		epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	924.2	$	997.9	$	1,444.5	$	(7.8	)	$	3,358.8
Operating expenses:
Direct operating costs	475.8		753.2		796.9		(7.7		)	2,018.2
Salaries and benefits	111.9		81.8		277.0		63.5			534.2
Selling, general and administrative	57.1		36.0		182.2		9.8			285.1
Depreciation and amortization	95.4		6.2		33.9		0.4			135.9
Total operating expenses	740.2		877.2		1,290.0		66.0			2,973.4
Operating income (expense)	$	184.0	$	120.7	$	154.5	$	(73.8	)	$	385.4
Other income (expense)
Interest income										2.0
Interest expense										(37.5		)
Foreign currency exchange loss, net										(28.2		)
Other gains, net										0.9
Total other expense, net										(62.8		)
Income before income taxes										$	322.6
Segment assets as of December 31, 2022	$	2,150.7	$	1,173.3	$	1,795.8	$	283.8		$	5,403.6

	For the Year Ended December 31, 2021
(in millions)	EFT Processing			epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	591.2		$	1,011.5	$	1,400.9	$	(8.1	)	$	2,995.5
Operating expenses:
Direct operating costs	354.2			760.9		793.2		(8.1		)	1,900.2
Acquired contract cost impairment	—			—		38.6		—			38.6
Salaries and benefits	98.6			79.5		255.7		51.1			484.9
Selling, general and administrative	47.9			39.6		157.9		6.6			252.0
Depreciation and amortization	90.9			8.5		36.0		0.4			135.8
Total operating expenses	591.6			888.5		1,281.4		50.0			2,811.5
Operating income (expense)	$	(0.4	)	$	123.0	$	119.5	$	(58.1	)	$	184.0
Other income (expense)
Interest income											0.7
Interest expense											(38.3		)
Foreign currency exchange loss, net											(10.8		)
Other gains, net											—
Total other expense, net											(48.4		)
Income before income taxes											$	135.6
Segment assets as of December 31, 2021	$	1,682.7		$	1,234.1	$	1,621.7	$	205.8		$	4,744.3

Schedule of total revenues, property and equipment and total assets

	Revenues						Property and Equipment, net				Total Assets
	For the year ended December 31,						as of December 31,				as of December 31,
(in millions)	2023		2022		2021		2023		2022		2023		2022
United States	$	898.5	$	830.8	$	805.0	$	63.0	$	59.9	$	1,198.5	$	1,051.4
Germany	691.5		644.5		631.5		29.0		30.2		760.2		772.6
Spain	243.4		211.7		157.8		40.8		46.4		375.5		322.6
United Kingdom	152.5		144.7		143.9		8.7		10.5		441.3		403.9
Italy	185.8		160.7		130.1		14.9		16.7		229.9		207.7
Poland	114.9		98.1		93.7		28.8		23.0		280.7		220.7
India	170.3		188.5		173.1		28.5		30.5		241.4		241.6
France	198.6		173.8		166.7		8.6		8.5		165.0		140.4
Greece	205.8		161.0		61.6		19.6		18.0		653.9		597.2
Malaysia	51.9		47.6		50.0		4.3		2.2		98.5		77.6
Australia	53.5		42.4		46.9		1.9		2.9		85.6		58.4
New Zealand	51.6		61.6		56.5		4.0		3.5		190.7		234.8
Netherlands	62.8		54.6		49.4		5.0		5.3		170.9		196.7
Canada	70.1		66.4		46.9		0.7		0.7		123.7		106.4
Brazil	55.2		51.4		44.3		0.3		0.3		38.2		46.7
Other	481.6		421.0		338.1		74.0		78.0		840.4		724.9
Total foreign	2,789.5		2,528.0		2,190.5		269.1		276.7		4,695.9		4,352.2
Total	$	3,688.0	$	3,358.8	$	2,995.5	$	332.1	$	336.6	$	5,894.4	$	5,403.6

Acquisitions (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Mar. 15, 2022	Dec. 31, 2021
Acquisitions
Goodwill	$ 847.5	$ 828.3		$ 641.6
Piraeus Bank Merchant Acquiring [Member]
Acquisitions
Other current assets			$ 1.8
Settlement assets			77.6
Property and equipment			5.7
Intangible assets			122.5
Total assets acquired			207.6
Trade accounts payable			(2.1)
Settlement liabilities			(65.9)
Accrued expenses and other current liabilities			(1.3)
Deferred revenue			(0.3)
Other long-term liabilities			(0.1)
Total liabilities assumed			(69.7)
Goodwill			212.7
Net assets acquired			$ 350.6

Convertible Notes Receivable

12 Months Ended

Dec. 31, 2023

Convertible Notes Receivable

Convertible Notes Receivable

(10) Convertible Notes Receivable

The Company loaned a total of $60.0 million to Koin Mobile, LLC and Marker Trax, LLC under two promissory notes (the "Notes"), which were fully executed on October 19, 2023. Under the terms of the Notes, interest will accrue on the Notes at 2% per annum and all unpaid principal and interest will be due and payable on October 18, 2028 if not converted earlier as discussed below. The Company has a security interest in all of the assets of Koin Mobile, LLC and Marker Trax, LLC. The outstanding principal and accrued interest were $60.0 million and $0.2 million at December 31, 2023, respectively.

The Notes are convertible into preferred equity of Koin Mobile, LLC and Marker Trax, LLC at the option of the Company upon the occurrence of certain events including a qualified equity financing, change in control, achievement of profitability or at the option of the Company at maturity, as defined in the Notes.

Insider Trading Arrangements	12 Months Ended
Insider Trading Arrangements	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Settlement Assets and Obligations (Details Textual) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Settlement Assets and Obligations
Account receivables, net of credit loss allowance	$ 35.7	$ 33.0

Leases (Details 3) - USD ($)
$ in Millions

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Leases

Cash paid for amounts included in the measurement of lease liabilities

^[1]

$ 49.9

$ 49.7

$ 51.5

Supplemental non-cash information on lease liabilities arising from obtaining ROU assets:

ROU assets obtained in exchange for new operating lease liabilities

$ 49.9

$ 50.0

$ 69.1

[1]	Included in Net cash provided by operating activities on the Company's Consolidated Statements of Cash Flows.

Restricted Cash

12 Months Ended

Dec. 31, 2023

Restricted Cash

Restricted Cash

(7) Restricted Cash

The restricted cash balances as of December 31, 2023 and 2022 were as follows:

	As of December 31,
(in millions)	2023		2022
Collateral on bank credit arrangements and other	$	15.2	$	7.4
Restricted cash	$	15.2	$	7.4

Cash held in trust and/or cash held on behalf of others	$	84.8	$	80.6
Collateral on bank credit arrangements and other	40.2		13.4
Restricted cash included within settlement assets	$	125.0	$	94.0

Total Restricted Cash	$	140.2	$	101.4

Cash held in trust and/or cash held on behalf of others is in connection with the administration of the customer collection and vendor remittance activities by certain subsidiaries within the Company's epay and EFT Processing Segments. Amounts collected on behalf of certain mobile phone operators and/or merchants are deposited into a restricted cash account. The bank credit arrangements primarily represent cash collateral on deposit with commercial banks to cover guarantees.

Debt Obligations (Details 3 - Textual) $ / shares in Units, € in Millions, $ in Millions		12 Months Ended
	Mar. 18, 2019 USD ($) $ / shares	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2023 EUR (€)	Dec. 31, 2023 USD ($) $ / shares	May 22, 2019 EUR (€)	May 22, 2019 USD ($)
Debt Instrument [Line Items]
Debt Instrument, Convertible, Conversion Price \| $ / shares						$ 188.73
Other short-term borrowings			$ 0.2			$ 0.3
Convertible Notes, 0.75 Percent, due 2049 [Member]
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 525.0
Debt Instrument, Convertible, Conversion Price \| $ / shares	$ 188.73
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed	100.00%
Debt issuance costs	$ 12.8
Debt instrument, redemption, description		(i) if the closing sale price of the Company's Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive) during any 30 consecutive trading day period (including the last trading day of such period) ending on, and including, the trading day immediately preceding the date on which the Company provides notice of redemption and (ii) on or after March 20, 2025 and prior to the maturity date, regardless of the foregoing sale price condition, in each case at a redemption price equal to 100% of the principal amount of the Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date. No sinking fund is provided for the Convertible Notes. In addition, if a fundamental change, as defined in the Indenture, occurs prior to the maturity date, holders may require the Company to repurchase for cash all or part of their Convertible Notes at a repurchase price equal to 100% of the principal amount of the Convertible Notes to be repurchased, plus accrued and unpaid interest to, but excluding, the fundamental change repurchase date.
Debt Instrument, Contractual interest expenses		$ 3.9	3.9	$ 3.9
Debt Instrument, Effective Interest Rate		4.40%
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate					0.75%	0.75%
1.375% Senior Notes due 2026 [Member]
Debt Instrument [Line Items]
Debt Instrument, Face Amount							€ 600.0	$ 669.9
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate					1.375%	1.375%
Debt Instrument, Frequency of Periodic Payment		annually
Debt Instrument, Date of First Required Payment		May 22, 2020
Senior notes			$ 642.1		€ 600.0	$ 662.2
Debt Instrument, Redemption Period, Start Date		Feb. 22, 2026
Debt Instrument, Unamortized Discount						$ 2.9

Business Segment Information

12 Months Ended

Dec. 31, 2023

Business Segment Information

Business Segment Information

(18) Business Segment Information

Euronet's reportable operating segments have been determined in accordance with ASC Topic 280, Segment Reporting ("ASC 280"). The Company currently operates in the following three reportable operating segments:

1) Through the EFT Processing Segment, the Company processes transactions for a network of ATMs and POS terminals across Europe, the Middle East, Africa, Asia Pacific and the United States. The Company provides comprehensive electronic payment solutions consisting of ATM cash withdrawal services, ATM network participation, outsourced ATM and POS management solutions, credit, debit and prepaid card outsourcing, dynamic currency conversion, domestic and international surcharges and other value-added services. Through this segment, the Company also offers a suite of integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems.

2) Through the epay Segment, the Company provides distribution, processing and collection services for prepaid mobile airtime and other electronic payment products in Europe, the Middle East, Asia Pacific, the U.S., and South America.

3) Through the Money Transfer Segment, the Company provides global money transfer services under the brand names Ria, AFEX, IME, and xe. Ria, AFEX, and IME provide global consumer-to-consumer money transfer services through a network of sending agents, Company-owned stores and Company-owned websites, disbursing money transfers through a worldwide correspondent network. xe offers account-to-account international payment services to high-income individuals and small-to-medium sized businesses. xe is also a provider of foreign currency exchange information. The Company also offers customers bill payment services, payment alternatives such as money orders and prepaid debit cards, comprehensive check cashing services, foreign currency exchange services and mobile top-up. Furthermore, xe provides cash management solutions and foreign currency risk management services to small-to-medium sized businesses.

In addition, the Company accounts for non-operating activity, share-based compensation expense, certain intersegment eliminations and the costs of providing corporate and other administrative services in its administrative division, "Corporate Services, Eliminations and Other." These services are not directly identifiable with the Company's reportable operating segments.

The following tables present the Company's results for the years ended December 31, 2023, 2022 and 2021:

	For the Year Ended December 31, 2023
(in millions)	EFT Processing		epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	1,058.3	$	1,082.4	$	1,555.2	$	(7.9	)	$	3,688.0
Operating expenses:
Direct operating costs	572.1		819.1		839.5		(7.9		)	2,222.8
Salaries and benefits	126.5		91.1		310.5		74.8			602.9
Selling, general and administrative	58.8		39.1		188.8		10.1			296.8
Depreciation and amortization	94.6		6.9		31.0		0.4			132.9
Total operating expenses	852.0		956.2		1,369.8		77.4			3,255.4
Operating income (expense)	$	206.3	$	126.2	$	185.4	$	(85.3	)	$	432.6
Other income (expense)
Interest income										15.2
Interest expense										(55.6		)
Foreign currency exchange gain, net										8.0
Other gains, net										0.2
Total other expense, net										(32.2		)
Income before income taxes										$	400.4
Segment assets as of December 31, 2023	$	2,442.0	$	1,204.9	$	1,921.2	$	326.3		$	5,894.4

	For the Year Ended December 31, 2022
(in millions)	EFT Processing		epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	924.2	$	997.9	$	1,444.5	$	(7.8	)	$	3,358.8
Operating expenses:
Direct operating costs	475.8		753.2		796.9		(7.7		)	2,018.2
Salaries and benefits	111.9		81.8		277.0		63.5			534.2
Selling, general and administrative	57.1		36.0		182.2		9.8			285.1
Depreciation and amortization	95.4		6.2		33.9		0.4			135.9
Total operating expenses	740.2		877.2		1,290.0		66.0			2,973.4
Operating income (expense)	$	184.0	$	120.7	$	154.5	$	(73.8	)	$	385.4
Other income (expense)
Interest income										2.0
Interest expense										(37.5		)
Foreign currency exchange loss, net										(28.2		)
Other gains, net										0.9
Total other expense, net										(62.8		)
Income before income taxes										$	322.6
Segment assets as of December 31, 2022	$	2,150.7	$	1,173.3	$	1,795.8	$	283.8		$	5,403.6

	For the Year Ended December 31, 2021
(in millions)	EFT Processing			epay		Money Transfer		Corporate Services, Eliminations and Other			Consolidated
Total revenues	$	591.2		$	1,011.5	$	1,400.9	$	(8.1	)	$	2,995.5
Operating expenses:
Direct operating costs	354.2			760.9		793.2		(8.1		)	1,900.2
Acquired contract cost impairment	—			—		38.6		—			38.6
Salaries and benefits	98.6			79.5		255.7		51.1			484.9
Selling, general and administrative	47.9			39.6		157.9		6.6			252.0
Depreciation and amortization	90.9			8.5		36.0		0.4			135.8
Total operating expenses	591.6			888.5		1,281.4		50.0			2,811.5
Operating income (expense)	$	(0.4	)	$	123.0	$	119.5	$	(58.1	)	$	184.0
Other income (expense)
Interest income											0.7
Interest expense											(38.3		)
Foreign currency exchange loss, net											(10.8		)
Other gains, net											—
Total other expense, net											(48.4		)
Income before income taxes											$	135.6
Segment assets as of December 31, 2021	$	1,682.7		$	1,234.1	$	1,621.7	$	205.8		$	4,744.3

Total revenues for the years ended December 31, 2023, 2022 and 2021, and property and equipment and total assets as of December 31, 2023 and 2022, summarized by geographic location, were as follows:

	Revenues						Property and Equipment, net				Total Assets
	For the year ended December 31,						as of December 31,				as of December 31,
(in millions)	2023		2022		2021		2023		2022		2023		2022
United States	$	898.5	$	830.8	$	805.0	$	63.0	$	59.9	$	1,198.5	$	1,051.4
Germany	691.5		644.5		631.5		29.0		30.2		760.2		772.6
Spain	243.4		211.7		157.8		40.8		46.4		375.5		322.6
United Kingdom	152.5		144.7		143.9		8.7		10.5		441.3		403.9
Italy	185.8		160.7		130.1		14.9		16.7		229.9		207.7
Poland	114.9		98.1		93.7		28.8		23.0		280.7		220.7
India	170.3		188.5		173.1		28.5		30.5		241.4		241.6
France	198.6		173.8		166.7		8.6		8.5		165.0		140.4
Greece	205.8		161.0		61.6		19.6		18.0		653.9		597.2
Malaysia	51.9		47.6		50.0		4.3		2.2		98.5		77.6
Australia	53.5		42.4		46.9		1.9		2.9		85.6		58.4
New Zealand	51.6		61.6		56.5		4.0		3.5		190.7		234.8
Netherlands	62.8		54.6		49.4		5.0		5.3		170.9		196.7
Canada	70.1		66.4		46.9		0.7		0.7		123.7		106.4
Brazil	55.2		51.4		44.3		0.3		0.3		38.2		46.7
Other	481.6		421.0		338.1		74.0		78.0		840.4		724.9
Total foreign	2,789.5		2,528.0		2,190.5		269.1		276.7		4,695.9		4,352.2
Total	$	3,688.0	$	3,358.8	$	2,995.5	$	332.1	$	336.6	$	5,894.4	$	5,403.6

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-15

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-42

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-40

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//280/tableOfContent

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-26

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-34

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-41

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

+ Details

Stockholders' Equity (Details Textual) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Sep. 13, 2023	Sep. 13, 2022	Dec. 08, 2021
Stockholders' Equity
Antidilutive securities excluded from computation of earnings per share, amount	3,768,000	1,975,000	1,668,000
Incremental shares from assumed conversion of convertible debentures	2,781,818	2,781,818
Conversion Price	$ 188.73
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0
Foreign currency translation gain (loss)	$ 47.9	$ (78.3)	$ (78.5)
Reclassifications of foreign currency translation	0.0	0.0	0.0
Dividends paid	$ 0.0	$ 0.0	$ 0.0
Convertible Senior Notes ("Convertible Notes") [Member]
Stockholders' Equity
Incremental shares from assumed conversion of convertible debentures	2,800,000
Share Repurchase Plan, 2021 [Member]
Stockholders' Equity
Stock repurchase program authorized amount						$ 300.0
Stock repurchase program, number of shares authorized to be repurchased						5
Stock repurchased (in shares)	1,400,229
Stock repurchased, weighted average purchase price	$ 89.31
Stock repurchased	$ 125.0
Share Repurchase Plan, 2022 [Member]
Stockholders' Equity
Stock repurchase program authorized amount					$ 350.0
Stock repurchase program, number of shares authorized to be repurchased					7
Stock repurchased (in shares)	2,936,667
Stock repurchased, weighted average purchase price	$ 86.27
Stock repurchased	$ 253.4
Share Repurchase Plan, 2023 [Member]
Stockholders' Equity
Stock repurchase program authorized amount				$ 350.0
Stock repurchase program, number of shares authorized to be repurchased				7

Restricted Cash (Tables)

12 Months Ended

Dec. 31, 2023

Restricted Cash

Schedule of restricted cash balances

	As of December 31,
(in millions)	2023		2022
Collateral on bank credit arrangements and other	$	15.2	$	7.4
Restricted cash	$	15.2	$	7.4

Cash held in trust and/or cash held on behalf of others	$	84.8	$	80.6
Collateral on bank credit arrangements and other	40.2		13.4
Restricted cash included within settlement assets	$	125.0	$	94.0

Total Restricted Cash	$	140.2	$	101.4

Business Segment Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Total revenues	$ 3,688.0	$ 3,358.8	$ 2,995.5
Operating expenses:
Direct operating costs	2,222.8	2,018.2	1,900.2
Acquired contract cost impairment			38.6
Salaries and benefits	602.9	534.2	484.9
Selling, general and administrative	296.8	285.1	252.0
Depreciation and amortization	132.9	135.9	135.8
Total operating expenses	3,255.4	2,973.4	2,811.5
Operating income	432.6	385.4	184.0
Other income (expense)
Interest income	15.2	2.0	0.7
Interest expense	(55.6)	(37.5)	(38.3)
Foreign currency exchange gain (loss), net	8.0	(28.2)	(10.8)
Other gains, net	0.2	0.9
Other expense, net	(32.2)	(62.8)	(48.4)
Income before income taxes	400.4	322.6	135.6
Total Assets	5,894.4	5,403.6	4,744.3
Corporate Services, Eliminations and Other [Member]
Segment Reporting Information [Line Items]
Total revenues	(7.9)	(7.8)	(8.1)
Operating expenses:
Direct operating costs	(7.9)	(7.7)	(8.1)
Acquired contract cost impairment
Salaries and benefits	74.8	63.5	51.1
Selling, general and administrative	10.1	9.8	6.6
Depreciation and amortization	0.4	0.4	0.4
Total operating expenses	77.4	66.0	50.0
Operating income	(85.3)	(73.8)	(58.1)
Other income (expense)
Total Assets	326.3	283.8	205.8
EFT Processing [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Total revenues	1,058.3	924.2	591.2
Operating expenses:
Direct operating costs	572.1	475.8	354.2
Acquired contract cost impairment
Salaries and benefits	126.5	111.9	98.6
Selling, general and administrative	58.8	57.1	47.9
Depreciation and amortization	94.6	95.4	90.9
Total operating expenses	852.0	740.2	591.6
Operating income	206.3	184.0	(0.4)
Other income (expense)
Total Assets	2,442.0	2,150.7	1,682.7
epay [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Total revenues	1,082.4	997.9	1,011.5
Operating expenses:
Direct operating costs	819.1	753.2	760.9
Acquired contract cost impairment
Salaries and benefits	91.1	81.8	79.5
Selling, general and administrative	39.1	36.0	39.6
Depreciation and amortization	6.9	6.2	8.5
Total operating expenses	956.2	877.2	888.5
Operating income	126.2	120.7	123.0
Other income (expense)
Total Assets	1,204.9	1,173.3	1,234.1
Money Transfer Segment [Member] \| Operating Segments [Member]
Segment Reporting Information [Line Items]
Total revenues	1,555.2	1,444.5	1,400.9
Operating expenses:
Direct operating costs	839.5	796.9	793.2
Acquired contract cost impairment			38.6
Salaries and benefits	310.5	277.0	255.7
Selling, general and administrative	188.8	182.2	157.9
Depreciation and amortization	31.0	33.9	36.0
Total operating expenses	1,369.8	1,290.0	1,281.4
Operating income	185.4	154.5	119.5
Other income (expense)
Total Assets	$ 1,921.2	$ 1,795.8	$ 1,621.7

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2023

Income Taxes

Schedule of income before income taxes domestic and foreign

	Year Ended December 31,
(in millions)	2023		2022			2021
Income before taxes:
United States	$	7.0	$	(12.5	)	$	(4.8	)
Foreign	393.4		335.1			140.4
Total income before income taxes	$	400.4	$	322.6		$	135.6

Schedule of components of income tax expense (benefit)

	Year Ended December 31,
(in millions)	2023		2022			2021
Current tax expense (benefit):
U.S.	$	5.1	$	3.9		$	2.8
Foreign	102.9		80.3			59.9
Total current	108.0		84.2			62.7
Deferred tax expense (benefit):
U.S.	12.2		(7.3		)	12.3
Foreign	0.7		15.0			(9.9		)
Total deferred	12.9		7.7			2.4
Total tax expense	$	120.9	$	91.9		$	65.1

Schedule of effective income tax rate reconciliation

	Year Ended December 31,
(dollar amounts in millions)	2023			2022			2021
U.S. federal income tax expense at applicable statutory rate	$	84.1		$	67.7		$	28.5
Tax effect of:
State income tax expense at statutory rates, net of U.S. federal income tax	3.7			3.7			1.5
Non-deductible expenses	2.9			1.7			0.5
Share-based compensation	4.0			1.9			(3.5		)
Other permanent differences	0.9			(0.2		)	(2.0		)
Difference between U.S. federal and foreign tax rates	16.7			13.9			7.4
Provision in excess of statutory rates	8.3			3.6			2.9
Change in federal and foreign valuation allowance	2.7			(7.7		)	26.7
GILTI, net of tax credits	5.9			9.8			3.9
Tax credits	(9.2		)	(0.7		)	(1.1		)
Other	0.9			(1.8		)	0.3
Total income tax expense	$	120.9		$	91.9		$	65.1
Effective tax rate	30.19		%	28.47		%	48.00		%

Schedule of deferred tax assets and liabilities

	As of December 31,
(in millions)	2023			2022
Deferred tax assets:
Tax loss carryforwards	$	59.3		$	64.9
Share-based compensation	15.8			12.6
Accrued expenses	20.1			23.2
Property and equipment	8.1			10.8
Goodwill and intangible amortization	11.2			9.0
Contract costs	3.5			7.0
Intercompany notes	16.7			17.4
Accrued revenue	4.0			5.1
Tax credits	58.1			64.4
Lease accounting	49.2			40.2
Foreign exchange	2.4			2.7
Capitalized research and development	6.2			—
Other	6.0			7.8
Total deferred tax assets	260.6			265.1
Valuation allowance	(90.7		)	(90.4		)
Total deferred tax assets, net of valuation allowance	169.9			174.7
Deferred tax liabilities:
Intangible assets related to purchase accounting	(15.0		)	(12.1		)
Goodwill and intangible amortization	(31.9		)	(31.7		)
Accrued expenses	(25.7		)	(22.7		)
Intercompany notes	(12.9		)	(14.5		)
Accrued interest	(34.4		)	(26.6		)
Capitalized research and development	(0.3		)	(1.2		)
Property and equipment	(6.8		)	(14.6		)
Accrued revenue	(2.8		)	(2.1		)
Lease accounting	(49.2		)	(40.2		)
Foreign exchange	(4.0		)	(9.8		)
Other	(5.6		)	(3.5		)
Total deferred tax liabilities	(188.6		)	(179.0		)
Net deferred tax liabilities	$	(18.7	)	$	(4.3	)

Summary of operating loss carryforwards

(in millions)	Gross		Tax Effected
Year ending December 31,
2024	$	1.7	$	0.4
2025	13.1		3.3
2026	18.3		4.6
2027	3.6		0.9
2028	4.1		1.0
Thereafter	20.3		5.3
Unlimited	186.3		42.2
Total	$	247.4	$	57.7

Schedule of reconciliation of beginning and ending amount of unrecognized tax benefits

	Year Ended December 31,
(in millions)	2023			2022
Beginning balance	$	42.8		$	41.0
Additions based on tax positions related to the current year	7.2			6.1
Additions for tax positions of prior years	2.6			0.3
Reductions for tax positions of prior years	(0.1		)	(4.0		)
Statute of limitations expiration	(0.7		)	(0.6		)
Ending balance	$	51.8		$	42.8

Schedule of income tax examinations

Jurisdictions	Periods
U.S. (Federal)	2014 through 2023
Germany	2016 through 2023
Greece	2013 through 2023
Spain	2016 through 2023
U.K.	2019 through 2023

Property and Equipment, Net (Tables)

12 Months Ended

Dec. 31, 2023

Property and Equipment, Net

Schedule of property and equipment, net of accumulated depreciation and amortization

	As of December 31,
(in millions)	2023			2022
ATMs	$	635.8		$	578.1
POS terminals	43.7			41.5
Vehicles and office equipment	73.8			76.3
Computers and software	235.1			216.5
Land and buildings	0.6			0.6
	989.0			913.0
Less accumulated depreciation	(656.9		)	(576.4		)
Total	$	332.1		$	336.6

Derivative Instruments and Fair Value of Derivative Assets and Liabilities (Details 1) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities
Gross Amounts of Recognized Assets	$ 50.0	$ 50.3
Gross Amounts Offset in the Consolidated Balance Sheet
Net Amounts Presented in the Consolidated Balance Sheet	50.0	50.3
Derivatives Not Offset in the Consolidated Balance Sheet	(19.9)	(32.0)
Derivatives Assets, Net Amounts	30.1	18.3
Gross Amounts of Recognized Liabilities	(39.1)	(42.3)
Gross Amounts Offset in the Consolidated Balance Sheet
Net Amounts Presented in the Consolidated Balance Sheet	(39.1)	(42.3)
Derivatives Not Offset in the Consolidated Balance Sheet	26.3	32.1
Derivative Liability, Net Amounts	$ (12.8)	$ (10.2)

Income Taxes (Details 2) - USD ($) $ in Millions	12 Months Ended
Income Taxes (Details 2) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Taxes
U.S. federal income tax expense at applicable statutory rate	$ 84.1	$ 67.7	$ 28.5
Tax Effect Of:
State income tax expense at statutory rates, net of U.S. federal income tax	3.7	3.7	1.5
Non-deductible expenses	2.9	1.7	0.5
Share-based compensation	4.0	1.9	(3.5)
Other permanent differences	0.9	(0.2)	(2.0)
Difference between U.S. federal and foreign tax rates	16.7	13.9	7.4
Provision in excess of statutory rates	8.3	3.6	2.9
Change in federal and foreign valuation allowance	2.7	(7.7)	26.7
GILTI, net of tax credits	5.9	9.8	3.9
Tax credits	(9.2)	(0.7)	(1.1)
Other	0.9	(1.8)	0.3
Total income tax expense	$ 120.9	$ 91.9	$ 65.1
Effective tax rate	30.19%	28.47%	48.00%

Goodwill and Acquired Intangible Assets, Net (Details 1) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Finite-lived Intangible Assets [Roll Forward]
Acquired Intangible Assets, Balance	$ 188.3	$ 97.8
Acquired Intangible Assets, Increases (decreases):
Acquired Intangible Assets, Acquisitions (see footnote 6)		124.8
Acquired Intangible Assets, Amortization	(24.5)	(27.0)	$ (23.1)
Acquired Intangible Assets, Other (primarily changes in foreign currency exchange rates)	3.8	(7.3)
Acquired Intangible Assets, Balance	167.6	188.3	97.8
Goodwill, Balance	828.3	641.6
Goodwill, Increases (decreases):
Goodwill, Acquisitions (see footnote 6)	1.3	224.3
Goodwill, Amortization
Goodwill, Other (primarily changes in foreign currency exchange rates)	17.9	(37.6)
Goodwill, Balance	847.5	828.3	641.6
Total Intangible Assets, Balance	1,016.6	739.4
Total Intangible Assets, Increases (decreases):
Total Intangible Assets, Acquisitions (see footnote 6)	1.3	349.1
Total Intangible Assets, Amortization	(24.5)	(27.0)
Total Intangible Assets, Other (primarily changes in foreign currency exchange rates)	21.7	(44.9)
Total Intangible Assets, Balance	$ 1,015.1	$ 1,016.6	$ 739.4

Stockholders' Equity

12 Months Ended

Dec. 31, 2023

Stockholders' Equity

Stockholders' Equity

(5) Stockholders' Equity

Earnings Per Share

Basic earnings per share has been computed by dividing earnings available to common stockholders by the weighted average number of common shares outstanding during the respective period. Diluted earnings per share has been computed by dividing diluted earnings by the weighted average shares outstanding during the respective period, after adjusting for the potential dilution of options to purchase the Company's Common Stock, assumed vesting of restricted stock and the assumed conversion of the Company's convertible debt.

The following table provides the computation of diluted weighted average number of common shares outstanding:

		Year Ended December 31,
		2023		2022		2021
Computation of diluted earnings:
Net income attributable to Euronet Worldwide, Inc. stockholders	$	279.7	$	231.0	$	70.7
Add: Interest expense from assumed conversion of convertible notes, net of tax		4.2		4.7		—
Net income for diluted earnings per share calculation	$	283.9	$	235.7	$	70.7

Computation of diluted weighted average shares outstanding:
Basic weighted average shares outstanding		48,482,006		50,175,614		52,585,674
Incremental shares from assumed exercise of stock options and vesting of restricted stock		335,809		505,876		943,902
Incremental shares from assumed conversion of convertible debt		2,781,818		2,781,818		—
Diluted weighted average shares outstanding		51,599,633		53,463,308		53,529,576

The table includes all stock options and restricted stock that are dilutive to the Company's weighted average common shares outstanding during the period. The calculation of diluted earnings per share excludes stock options or shares of restricted stock that are anti-dilutive to the Company's weighted average common shares outstanding for the years ended December 31, 2023, 2022 and 2021 of approximately 3,768,000, 1,975,000 and 1,668,000, respectively.

We issued Convertible Senior Notes ("Convertible Notes") due March 2049 on March 18, 2019. Our Convertible Notes currently have a settlement feature requiring us upon conversion to settle the principal amount of the debt and any conversion value in excess of the principal value ("conversion premium"), for cash or shares of our common stock or a combination thereof, at our option. We have stated our intent to settle any conversion of these notes by paying cash for the principal value and issuing common stock for any conversion premium; however, after adopting ASU 2020-06, 2.8 million incremental shares assumed for conversion of convertible notes shall be included in the dilutive earnings per share calculation, if dilutive, regardless of whether the market price trigger has been met. Therefore, our Convertible Notes were included in the calculation of diluted earnings (loss) per share if their inclusion was dilutive. The dilutive effect increases the more the market price exceeds the conversion price of $188.73 per share. See Note 9, Debt Obligations, to the Consolidated Financial Statements for more information about the Convertible Notes.

Share repurchases

On December 8, 2021, the Company put a repurchase program in place to repurchase up to $300.0 million in value, but not more than 5.0 million shares of common stock through December 8, 2023. For the year ended December 31, 2023, the Company repurchased 1,400,229 shares under the repurchase program at a weighted average purchase price of $89.31 for a total value of $125.0 million. Repurchases under the program may take place in the open market or in privately negotiated transactions, including derivative transactions, and may be made under a Rule 10b5-1 plan.

On September 13, 2022, the Company put a repurchase program in place to repurchase up to $350.0 million in value, but not more than 7.0 million shares of common stock through September 13, 2024. For the year ended December 31, 2023, the Company repurchased 2,936,667 shares under the repurchase program at a weighted average purchase price of $86.27 for a total value of $253.4 million. Repurchases under the program may take place in the open market or in privately negotiated transactions, including derivative transactions, and may be made under a Rule 10b5-1 plan.

On September 13, 2023, the Company put a repurchase program in place to repurchase up to $350.0 million in value, but not more than 7.0 million shares of common stock through September 13, 2025. For the year ended December 31, 2023 we have not made any repurchases under this plan. Repurchases under the program may take place in the open market or in privately negotiated transactions, including derivative transactions, and may be made under a Rule 10b5-1 plan.

The Inflation Reduction Act (IRA) was signed into law in August 2022. Among other things, it imposes a 1% excise tax on net share repurchases.

Preferred Stock

The Company has the authority to issue up to 10 million shares of preferred stock, of which no shares are currently issued or outstanding.

Accumulated other comprehensive gain (loss)

As of December 31, 2023 and 2022, accumulated other comprehensive gain (loss) consists entirely of foreign currency translation adjustments. The Company recorded a foreign currency translation gain of $47.9 million, a loss of $78.3 million and a loss of $78.5 million for the years ended December 31, 2023, 2022, and 2021, respectively. There were no reclassifications of foreign currency translation into the Consolidated Statements of Operations for the years ended December 31, 2023, 2022, and 2021.

Dividends

No dividends were paid on any class of the Company's stock during 2023, 2022, and 2021.

- Definition

The entire disclosure for equity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-14

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481004/946-505-50-6

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480237/815-40-50-6

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(e)(1))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 505
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//505/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-14

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-14

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-16

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-18

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-18

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-18

+ Details

Financial Instruments and Fair Value Measurements (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Foreign currency exchange contracts, Other current assets	$ 50.0	$ 50.3
Foreign currency exchange contracts, Other current liabilities	(39.1)	(42.3)
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Foreign currency exchange contracts, Other current assets
Foreign currency exchange contracts, Other current liabilities
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Foreign currency exchange contracts, Other current assets	50.0	50.3
Foreign currency exchange contracts, Other current liabilities	(39.1)	(42.3)
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Foreign currency exchange contracts, Other current assets
Foreign currency exchange contracts, Other current liabilities

Income Taxes (Details Textual) - USD ($) $ in Millions	12 Months Ended
Income Taxes (Details Textual) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income taxes [Line Items]
Federal statutory income tax rate	21.00%	21.00%	21.00%
Tax net operating loss carryforwards
Gross undistributed earnings reinvested indefinitely in foreign subsidiaries	$ 2,356.1
Unrecognized tax benefits that would impact provision for income taxes and effective income tax rate	38.2	30.8
Unrecognized tax benefits, income tax penalties and interest accrued	10.0	8.3
Foreign [Member]
Income taxes [Line Items]
Tax net operating loss carryforwards	247.4	260.6
Tax credit carryforwards	$ 53.6	59.8
Foreign [Member] \| Earliest Tax Year [Member]
Income taxes [Line Items]
Tax credit carryforwards, Expiration year	2027
Foreign [Member] \| Latest Tax Year [Member]
Income taxes [Line Items]
Tax credit carryforwards, Expiration year	2032
U.S. State [Member]
Income taxes [Line Items]
Tax net operating loss carryforwards	$ 68.4	$ 97.7
U.S. State [Member] \| Earliest Tax Year [Member]
Income taxes [Line Items]
Tax net operating loss carryforwards, Expiration year	2024
U.S. State [Member] \| Latest Tax Year [Member]
Income taxes [Line Items]
Tax net operating loss carryforwards, Expiration year	2043
U.S. Federal [Member] \| Research and Expenditure Tax Credit Carryforward [Member]
Income taxes [Line Items]
Tax credit carryforwards	$ 3.8
U.S. Federal [Member] \| Research and Expenditure Tax Credit Carryforward [Member] \| Earliest Tax Year [Member]
Income taxes [Line Items]
Tax credit carryforwards, Expiration year	2034
U.S. Federal [Member] \| Research and Expenditure Tax Credit Carryforward [Member] \| Latest Tax Year [Member]
Income taxes [Line Items]
Tax credit carryforwards, Expiration year	2042

Derivative Instruments and Hedging Activities

12 Months Ended

Dec. 31, 2023

Derivative Instruments and Hedging Activities

Derivative Instruments and Hedging Activities

(13) Derivative Instruments and Hedging Activities

The Company is exposed to foreign currency exchange risk resulting from (i) the collection of funds or the settlement of money transfer transactions in currencies other than the U.S. dollar, (ii) derivative contracts written to its customers in connection with providing cross-currency money transfer services and (iii) certain foreign currency denominated other asset and liability positions. The Company enters into foreign currency derivative contracts, primarily foreign currency forwards and cross-currency swaps, to minimize its exposure related to fluctuations in foreign currency exchange rates. As a matter of Company policy, the derivative instruments used in these activities are economic hedges and are not designated as hedges under ASC 815, primarily due to either the relatively short duration of the contract term or the effects of fluctuations in currency exchange rates being reflected concurrently in earnings for both the derivative instrument and the transaction and have an offsetting effect.

Foreign currency exchange contracts - Ria Operations and Corporate

In the United States, the Company uses short-duration foreign currency forward contracts, generally with maturities up to 14 days, to offset the fluctuation in foreign currency exchange rates on the collection of money transfer funds between initiation of a transaction and its settlement. Due to the short duration of these contracts and the Company's credit profile, the Company is generally not required to post collateral with respect to these foreign currency forward contracts. Most derivative contracts executed with counterparties in the U.S. are governed by an International Swaps and Derivatives Association agreement that includes standard netting arrangements; therefore, asset and liability positions from forward contracts and all other foreign exchange transactions with the same counterparty are net settled upon maturity. As of December 31, 2023 and 2022, the Company had foreign currency forward contracts outstanding in the U.S. with a notional value of $393.3 million and $398.6 million, respectively. The foreign currency forward contracts consist primarily in Australian dollars, Canadian dollars, British pounds, euros and Mexican pesos.

In addition, the Company uses forward contracts, typically with maturities from a few days to less than one year, to offset foreign exchange rate fluctuations on certain short-term borrowings that are payable in currencies other than the U.S dollar. As of December 31, 2023 and 2022, the Company had foreign currency forward contracts outstanding with a notional value of $563.1 million and $228.4 million, respectively, primarily in euros.

Foreign currency exchange contracts - xe Operations

xe, writes derivative instruments, primarily foreign currency forward contracts and cross-currency swaps, mostly with counterparties comprised of individuals and small-to-medium size businesses and derives a currency margin from this activity as part of its operations. xe aggregates its foreign currency exposures arising from customer contracts and hedges the resulting net currency risks by entering into offsetting contracts with established financial institution counterparties. Foreign exchange revenues from xe's total portfolio of positions were $85.3 million, $86.6 million, and $79.5 million for the years ended December 31, 2023, 2022 and 2021, respectively. All of the derivative contracts used in the Company's xe operations are economic hedges and are not designated as hedges under ASC 815. The duration of these derivative contracts is generally less than one year.

The fair value of xe's total portfolio of positions can change significantly from period to period based on, among other factors, market movements and changes in customer contract positions. xe manages counterparty credit risk (the risk that counterparties will default and not make payments according to the terms of the agreements) on an individual counterparty basis. It mitigates this risk by entering into contracts with collateral posting requirements and/or by performing financial assessments prior to contract execution, conducting periodic evaluations of counterparty performance and maintaining a diverse portfolio of qualified counterparties. xe does not expect any significant losses from counterparty defaults.

The aggregate equivalent U.S. dollar notional amounts of foreign currency derivative customer contracts held by the Company in its xe operations as of December 31, 2023 and 2022, was respectively $1.1 billion and $1.0 billion. The significant majority of customer contracts are written in major currencies such as the euro, U.S. dollar, British pound, Australian dollar and New Zealand dollar.

The following table summarizes the fair value of the derivative instruments as recorded in the Consolidated Balance Sheets as of the dates below:

	Asset Derivatives					Liability Derivatives
		Fair Value					Fair Value
(in millions)	Balance Sheet Location	December 31, 2023		December 31, 2022		Balance Sheet Location	December 31, 2023			December 31, 2022
Derivatives not designated as hedging instruments
Foreign currency exchange contracts	Other current assets	$	50.0	$	50.3	Other current liabilities	$	(39.1	)	$	(42.3	)

Balance Sheet Presentation

The following tables summarize the gross and net fair value of derivative assets and liabilities as of December 31, 2023 and 2022 (in millions):

Offsetting of Derivative Assets


As of December 31, 2023	Gross Amounts of Recognized Assets		Gross Amounts Offset in the Consolidated Balance Sheet		Net Amounts Presented in the Consolidated Balance Sheet		Derivatives Not Offset in the Consolidated Balance Sheet			Net Amounts
Derivatives subject to a master netting arrangement or similar agreement	$	50.0	$	—	$	50.0	$	(19.9	)	$	30.1

As of December 31, 2022
Derivatives subject to a master netting arrangement or similar agreement	$	50.3	$	—	$	50.3	$	(32.0	)	$	18.3

Offsetting of Derivative Liabilities


As of December 31, 2023	Gross Amounts of Recognized Liabilities			Gross Amounts Offset in the Consolidated Balance Sheet		Net Amounts Presented in the Consolidated Balance Sheet			Derivatives Not Offset in the Consolidated Balance Sheet		Net Amounts
Derivatives subject to a master netting arrangement or similar agreement	$	(39.1	)	$	—	$	(39.1	)	$	26.3	$	(12.8	)

As of December 31, 2022
Derivatives subject to a master netting arrangement or similar agreement	$	(42.3	)	$	—	$	(42.3	)	$	32.1	$	(10.2	)

Income Statement Presentation

The following tables summarize the location and amount of gains on derivatives in the Consolidated Statements of Operations for the years ended December 31, 2023, 2022 and 2021:

		Amount of Gain (Loss) Recognized in Income on Derivative Contracts (a)
	Location of Gain (Loss) Recognized in Income on Derivative Contracts	Year Ended December 31,
(in millions)		2023			2022			2021
Foreign currency exchange contracts - Ria Operations	Foreign currency exchange gain (loss), net	$	(1.7	)	$	(0.3	)	$	1.6

(a) The Company enters into derivative contracts such as foreign currency exchange forwards and cross-currency swaps as part of its xe operations. These derivative contracts are excluded from this table as they are part of the broader disclosure of foreign currency exchange revenues for this business discussed above.

See Note 19, Financial Instruments and Fair Value Measurements, for the determination of the fair values of derivatives.

Related Party Transactions (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Rontec Ltd. [Member]
Related Party Transaction [Line Items]
Related party transaction, incurred expenses	$ 0.2	$ 0.2	$ 0.1

Income Taxes

12 Months Ended

Dec. 31, 2023

Income Taxes

Income Taxes

(15) Income Taxes

The sources of income before income taxes for the years ended December 31, 2023, 2022 and 2021 are presented as follows:

	Year Ended December 31,
(in millions)	2023		2022			2021
Income before taxes:
United States	$	7.0	$	(12.5	)	$	(4.8	)
Foreign	393.4		335.1			140.4
Total income before income taxes	$	400.4	$	322.6		$	135.6

The Company's income tax expense for the years ended December 31, 2023, 2022 and 2021 consisted of the following:

	Year Ended December 31,
(in millions)	2023		2022			2021
Current tax expense (benefit):
U.S.	$	5.1	$	3.9		$	2.8
Foreign	102.9		80.3			59.9
Total current	108.0		84.2			62.7
Deferred tax expense (benefit):
U.S.	12.2		(7.3		)	12.3
Foreign	0.7		15.0			(9.9		)
Total deferred	12.9		7.7			2.4
Total tax expense	$	120.9	$	91.9		$	65.1

The following is a reconciliation of the federal statutory income tax rates of 21% to the effective income tax rate for the years ended December 31, 2023, 2022 and 2021:

	Year Ended December 31,
(dollar amounts in millions)	2023			2022			2021
U.S. federal income tax expense at applicable statutory rate	$	84.1		$	67.7		$	28.5
Tax effect of:
State income tax expense at statutory rates, net of U.S. federal income tax	3.7			3.7			1.5
Non-deductible expenses	2.9			1.7			0.5
Share-based compensation	4.0			1.9			(3.5		)
Other permanent differences	0.9			(0.2		)	(2.0		)
Difference between U.S. federal and foreign tax rates	16.7			13.9			7.4
Provision in excess of statutory rates	8.3			3.6			2.9
Change in federal and foreign valuation allowance	2.7			(7.7		)	26.7
GILTI, net of tax credits	5.9			9.8			3.9
Tax credits	(9.2		)	(0.7		)	(1.1		)
Other	0.9			(1.8		)	0.3
Total income tax expense	$	120.9		$	91.9		$	65.1
Effective tax rate	30.19		%	28.47		%	48.00		%

We calculate our provision for federal, state and foreign income taxes based on current tax law.

The tax effect of temporary differences and carryforwards that give rise to deferred tax assets and liabilities from continuing operations are as follows:

	As of December 31,
(in millions)	2023			2022
Deferred tax assets:
Tax loss carryforwards	$	59.3		$	64.9
Share-based compensation	15.8			12.6
Accrued expenses	20.1			23.2
Property and equipment	8.1			10.8
Goodwill and intangible amortization	11.2			9.0
Contract costs	3.5			7.0
Intercompany notes	16.7			17.4
Accrued revenue	4.0			5.1
Tax credits	58.1			64.4
Lease accounting	49.2			40.2
Foreign exchange	2.4			2.7
Capitalized research and development	6.2			—
Other	6.0			7.8
Total deferred tax assets	260.6			265.1
Valuation allowance	(90.7		)	(90.4		)
Total deferred tax assets, net of valuation allowance	169.9			174.7
Deferred tax liabilities:
Intangible assets related to purchase accounting	(15.0		)	(12.1		)
Goodwill and intangible amortization	(31.9		)	(31.7		)
Accrued expenses	(25.7		)	(22.7		)
Intercompany notes	(12.9		)	(14.5		)
Accrued interest	(34.4		)	(26.6		)
Capitalized research and development	(0.3		)	(1.2		)
Property and equipment	(6.8		)	(14.6		)
Accrued revenue	(2.8		)	(2.1		)
Lease accounting	(49.2		)	(40.2		)
Foreign exchange	(4.0		)	(9.8		)
Other	(5.6		)	(3.5		)
Total deferred tax liabilities	(188.6		)	(179.0		)
Net deferred tax liabilities	$	(18.7	)	$	(4.3	)

Subsequently recognized tax benefits relating to the valuation allowance for deferred tax assets as of December 31, 2023 are expected to be allocated to income taxes in the Consolidated Statements of Operations. As of December 31, 2023, and 2022, the Company's foreign tax loss carryforwards were $247.4 million and $260.6 million, respectively, and U.S. state tax loss carryforwards were $68.4 million and $97.7 million, respectively.

As of December 31, 2023, the Company had U.S. foreign tax credit carryforwards of $53.6 million which are largely not expected to be utilized in future periods. As of December 31, 2022, the Company had U.S. foreign tax credit carryforwards of $59.8 million which are largely not expected to be utilized in future periods.

In assessing the Company's ability to realize deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax assets are deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences, net of the existing valuation allowances, as of December 31, 2023.

As of December 31, 2023, the Company had foreign tax net operating loss carryforwards of $247.4 million, which will expire as follows:

(in millions)	Gross		Tax Effected
Year ending December 31,
2024	$	1.7	$	0.4
2025	13.1		3.3
2026	18.3		4.6
2027	3.6		0.9
2028	4.1		1.0
Thereafter	20.3		5.3
Unlimited	186.3		42.2
Total	$	247.4	$	57.7

In addition, the Company's state tax net operating loss carryforwards of $68.4 million will expire periodically from 2024 through 2043, U.S. foreign tax credit carryforwards of $53.6 million will expire periodically from 2027 through 2032 and U.S. federal research and expenditure credit carryforwards of $3.8 million will expire periodically from 2034 through 2042.

The Company has not provided additional deferred taxes with respect to items such as certain foreign exchange gains or losses, foreign withholding taxes or additional state taxes, if any, on undistributed earnings attributable to foreign subsidiaries and it is not practical to determine the income tax liability that would be payable if such earnings were not reinvested indefinitely. Gross undistributed earnings reinvested indefinitely in foreign subsidiaries aggregated approximately $2,356.1 million as of December 31, 2023.

Accounting for uncertainty in income taxes

A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31, 2023 and 2022 is as follows:

	Year Ended December 31,
(in millions)	2023			2022
Beginning balance	$	42.8		$	41.0
Additions based on tax positions related to the current year	7.2			6.1
Additions for tax positions of prior years	2.6			0.3
Reductions for tax positions of prior years	(0.1		)	(4.0		)
Statute of limitations expiration	(0.7		)	(0.6		)
Ending balance	$	51.8		$	42.8

As of December 31, 2023 and 2022, approximately $38.2 million and $30.8 million, respectively, of the unrecognized tax benefits would impact the Company's provision for income taxes and effective income tax rate, if recognized. Total estimated accrued interest and penalties related to the underpayment of income taxes was $10.0 million and $8.3 million as of December 31, 2023 and 2022, respectively. The following income tax years remain open in the Company's major jurisdictions as of December 31, 2023:

Jurisdictions	Periods
U.S. (Federal)	2014 through 2023
Germany	2016 through 2023
Greece	2013 through 2023
Spain	2016 through 2023
U.K.	2019 through 2023

It is reasonably possible that the balance of gross unrecognized tax benefits could significantly change within the next twelve months as a result of the resolution of audit examinations and expirations of certain statutes of limitations and, accordingly, materially affect the Company's operating results. At this time, it is not possible to estimate the range of change due to the uncertainty of potential outcomes.

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480990/946-20-50-13

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//740/tableOfContent

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482685/740-10-50-14

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482685/740-10-50-21

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 270
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482526/740-270-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 17
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482685/740-10-50-17

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.5.Q1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 11.C)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479360/740-10-S99-2

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482603/740-30-50-2

+ Details

Stock Plans (Details 1) - Employee Stock Option - Valuation Technique, Black-Scholes-Merton, Option Pricing or Monte Carlo Simulation Model [Member] - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions and Methodology [Abstract]
Volatility	42.50%	42.40%	39.30%
Risk-free interest rate - weighted average	4.23%	3.97%	1.20%
Risk-free interest rate - range, low		3.97%	0.50%
Risk-free interest rate - range, high	4.23%	3.45%	1.21%
Dividend yield
Assumed forfeitures	8.00%	8.00%	8.00%
Expected lives	5 years	4 years 7 months 6 days	4 years 7 months 6 days
Weighted-average fair value (per option)	$ 39.43	$ 37.15	$ 39.99

Debt Obligations (Details 2 - Textual) - USD ($) $ in Millions							3 Months Ended	5 Months Ended	6 Months Ended		12 Months Ended
	Jun. 27, 2023	Jun. 26, 2023	Oct. 24, 2022	Jun. 24, 2022	May 25, 2022	May 22, 2022	Sep. 28, 2022	Nov. 30, 2023	Dec. 31, 2023	Nov. 30, 2022	Dec. 31, 2023	Dec. 31, 2022	Oct. 23, 2022
Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity			$ 1,250.0						$ 661.2		$ 661.2		$ 1,030.0
Line of Credit Facility, Expiration Date			Oct. 24, 2027
Debt Instrument, Basis Spread on Variable Rate											1.25%
Line of Credit Facility, Covenant Terms											(i) a Consolidated Total Leverage Ratio, depending on certain circumstances defined in the Credit Facility, not to exceed a range between 3.5 to 1.0 and 4.5 to 1.0; and (ii) a Consolidated Interest Coverage Ratio of not less than 3.0 to 1.0. Subject to meeting certain customary covenants (as defined in the Credit Facility), the Company is permitted to repurchase common stock and debt.
Line of Credit Facility, Interest Rate at Period End									6.50%		6.50%
Revolving Credit Facility [Member] \| Minimum [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate											1.00%
Revolving Credit Facility [Member] \| Maximum [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Capacity available subject to certain conditions									$ 500.0		$ 500.0
Debt Instrument, Basis Spread on Variable Rate											1.625%
Revolving Credit Facility [Member] \| Sublimit, 1 [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity									$ 250.0		$ 250.0
Line of Credit Facility, Interest Rate at Period End									1.25%		1.25%	1.25%
Letters of Credit Outstanding, Amount									$ 51.9		$ 51.9	$ 54.6
Revolving Credit Facility [Member] \| Sublimit, 1 [Member] \| Letter of Credit [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity									150.0		150.0
Revolving Credit Facility [Member] \| Sublimit, 1 [Member] \| U.S. dollar swingline loans [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity									75.0		75.0
Revolving Credit Facility [Member] \| Sublimit, 1 [Member] \| Foreign currencies swingline loans [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity									75.0		75.0
Uncommitted Credit Agreement [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.125%					1.00%
Debt Instrument, Face Amount	$ 300.0				$ 300.0
Debt Instrument, Maturity Date Range, End	Nov. 30, 2023				Nov. 30, 2022
Uncommitted borrowings, Outstanding amount									0.0		0.0	0.0
Debt Instrument, Description of Variable Rate Basis	secured overnight financing rate (“SOFR”)					secured overnight financing rate (“SOFR”)
Weighted-average interest rate								6.37%		3.14%
Uncommitted Loan Agreement [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate		0.95%
Debt Instrument, Face Amount		$ 150.0		$ 150.0
Debt Instrument, Maturity Date Range, End		Jun. 21, 2024		Jun. 23, 2023
Uncommitted borrowings, Outstanding amount									$ 150.0		$ 150.0	$ 0.0
Debt Instrument, Description of Variable Rate Basis		Bloomberg Short-term Bank Yield ("BSBY") rate loan
Weighted-average interest rate							2.76%		6.29%
Debt Instrument, Interest Rate Terms				either a Prime rate loan, a Bloomberg Short-term Bank Yield rate loan or bore interest at the rate agreed to by the bank and the Company at the time such loan is made.

Leases (Details)
$ in Millions

Dec. 31, 2023

USD ($)

^[1]

Leases

$ 47.0

36.3

26.5

17.9

9.4

12.4

149.5

Less: imputed interest

(7.4)

Present value of lease liabilities

$ 142.1

[1]	Operating lease payments reflect the Company's current fixed obligations under the operating lease agreements.

Derivative Instruments and Hedging Activities (Tables)

12 Months Ended

Dec. 31, 2023

Derivative Instruments and Hedging Activities

Schedule of derivative instruments in statement of financial position fair value

	Asset Derivatives					Liability Derivatives
		Fair Value					Fair Value
(in millions)	Balance Sheet Location	December 31, 2023		December 31, 2022		Balance Sheet Location	December 31, 2023			December 31, 2022
Derivatives not designated as hedging instruments
Foreign currency exchange contracts	Other current assets	$	50.0	$	50.3	Other current liabilities	$	(39.1	)	$	(42.3	)

Schedule of offsetting assets and liabilities

Offsetting of Derivative Assets


As of December 31, 2023	Gross Amounts of Recognized Assets		Gross Amounts Offset in the Consolidated Balance Sheet		Net Amounts Presented in the Consolidated Balance Sheet		Derivatives Not Offset in the Consolidated Balance Sheet			Net Amounts
Derivatives subject to a master netting arrangement or similar agreement	$	50.0	$	—	$	50.0	$	(19.9	)	$	30.1

As of December 31, 2022
Derivatives subject to a master netting arrangement or similar agreement	$	50.3	$	—	$	50.3	$	(32.0	)	$	18.3

Offsetting of Derivative Liabilities


As of December 31, 2023	Gross Amounts of Recognized Liabilities			Gross Amounts Offset in the Consolidated Balance Sheet		Net Amounts Presented in the Consolidated Balance Sheet			Derivatives Not Offset in the Consolidated Balance Sheet		Net Amounts
Derivatives subject to a master netting arrangement or similar agreement	$	(39.1	)	$	—	$	(39.1	)	$	26.3	$	(12.8	)

As of December 31, 2022
Derivatives subject to a master netting arrangement or similar agreement	$	(42.3	)	$	—	$	(42.3	)	$	32.1	$	(10.2	)

Schedule of derivative instruments gain (loss)

		Amount of Gain (Loss) Recognized in Income on Derivative Contracts (a)
	Location of Gain (Loss) Recognized in Income on Derivative Contracts	Year Ended December 31,
(in millions)		2023			2022			2021
Foreign currency exchange contracts - Ria Operations	Foreign currency exchange gain (loss), net	$	(1.7	)	$	(0.3	)	$	1.6

Summary of Significant Accounting Policies and Practices

12 Months Ended

Dec. 31, 2023

Summary of Significant Accounting Policies and Practices

Summary of Significant Accounting Policies and Practices

(3) Summary of Significant Accounting Policies and Practices

Foreign currencies

Assets and liabilities denominated in currencies other than the functional currency of a subsidiary are remeasured at rates of exchange on the balance sheet date. Resulting gains and losses on foreign currency transactions are included in the Consolidated Statements of Operations. The majority of our foreign currency exchange gains or losses are due to the remeasurement of intercompany loans which are not considered a long-term investment in nature and are in a currency other than the functional currency of one of the parties to the loan.

The financial statements of foreign subsidiaries where the functional currency is not the U.S. dollar are translated to U.S. dollars using (i) exchange rates in effect at period end for assets and liabilities, and (ii) weighted average exchange rates during the period for revenues and expenses. Adjustments resulting from translation of such financial statements are reflected in accumulated other comprehensive (loss) income as a separate component of consolidated equity.

Cash equivalents

The Company considers all highly liquid investments, with an original maturity of three months or less, and certificates of deposit, which may be withdrawn at any time at the discretion of the Company without penalty, to be cash equivalents.

ATM cash

ATM cash represents cash within the ATM network either included within ATMs, within dedicated accounts, or in-transit to ATMs.

Settlement assets and obligations

Settlement assets represent funds received or to be received from agents for unsettled money transfers and from merchants for unsettled prepaid transactions. See Note 4, Settlement Assets and Obligations, to the Consolidated Financial Statements for further discussion on settlement assets and obligations.

Property and equipment

Property and equipment are stated at cost, less accumulated depreciation. Property and equipment acquired in acquisitions have been recorded at estimated fair values as of the acquisition date.

Depreciation is generally calculated using the straight-line method over the estimated useful lives of the respective assets.

Depreciation and amortization rates are generally as follows:

ATMs or ATM upgrades	5 - 8 years
Computers and software	3 - 5 years
POS terminals	3 - 5 years
Vehicles and office equipment	3 - 10 years
Leasehold improvements	Over the lesser of the lease term or estimated useful life

Goodwill and other intangible assets

Goodwill - The Company accounts for goodwill and other intangible assets in accordance with Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 350, Intangibles - Goodwill and Other ("ASC 350"). In accordance with the requirements of ASC 350 the Company tests for impairment on an annual basis in the fourth quarter and whenever events or circumstances dictate. Goodwill is allocated among and evaluated for impairment at the reporting unit level, which is defined as an operating segment or one level below an operating segment.

ASC 350 provides an entity the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not (more than 50%) that the estimated fair value of a reporting unit is less than its carrying amount. If an entity elects to perform a qualitative assessment and determines that an impairment is more likely than not, the entity is then required to perform the existing quantitative impairment test (described below), otherwise no further analysis is required. An entity also may elect not to perform the qualitative assessment and, instead, proceed directly to the quantitative impairment test. The Company has a policy for its annual review of goodwill to perform the qualitative assessment for all reporting units not subjected directly to the quantitative impairment test.

Under the qualitative assessment, various events, and circumstances (or factors) that would affect the estimated fair value of a reporting unit are identified (similar to impairment indicators). These factors are then classified by the type of impact they would have on the estimated fair value using positive, neutral, and adverse categories based on current business conditions. Furthermore, the Company considers the results of the most recent quantitative impairment test completed for a reporting unit and compares, among other factors, the weighted average cost of capital ("WACC") between the current and prior years for each reporting unit.

Under the quantitative impairment test, the evaluation of impairment involves comparing the current fair value of each reporting unit to its carrying value, including goodwill. The Company uses weighted results from the income approach or the discounted cash flow model ("DCF model") and guideline public company method ("Market Approach model") to estimate the current fair value of its reporting units when testing for impairment, as management believes forecasted cash flows and EBITDA are the best indicators of such fair value. A number of significant assumptions and estimates are involved in the application of the DCF model to forecast operating cash flows, including sales volumes, gross margins, tax rates, capital spending, discount rates and working capital changes. Most of these assumptions vary significantly among the reporting units. Significant assumptions in the Market Approach model are projected EBITDA, selected market multiple, and the estimated control premium. If the carrying value of goodwill exceeds its fair value, an impairment loss equal to such excess would be recognized. The DCF Model and Market Approach Model utilize Level 3 inputs in the fair value hierarchy as they include unobservable inputs that require significant management assumptions.

Other Intangible Assets - In accordance with ASC 350, intangible assets with finite lives are amortized over their estimated useful lives. Unless otherwise noted, amortization is calculated using the straight-line method over the estimated useful lives of the assets as follows:

Non-compete agreements	2 - 5 years
Trademarks and trade names	2 - 20 years
Software	3 - 10 years
Customer relationships	6 - 20 years

The Company reviews its long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If such events or changes in circumstances are present, a loss is recognized if the carrying value of the asset is in excess of the sum of the undiscounted cash flows expected to result from the use of the asset and its eventual disposition. An impairment loss is measured as the amount by which the carrying amount of the asset exceeds the fair value of the asset.

See Note 9, Goodwill and Acquired Intangible Assets, Net, to the Consolidated Financial Statements for additional information regarding the impairment of goodwill and other intangible assets.

Other assets

Other assets include capitalized software development costs and capitalized payments for new or renewed contracts.

Euronet capitalizes initial payments for new or renewed contracts to the extent recoverable through future operations, contractual minimums and/or penalties in the case of early termination. The Company's accounting policy is to limit the amount of capitalized costs for a given contract to the lesser of the estimated ongoing net future cash flows related to the contract or the termination fees the Company would receive in the event of early termination of the contract by the customer.

ASC Topic 340, Other Assets and Deferred Costs ("ASC 340") requires the deferral of incremental costs to fulfill customer contracts, known as contract assets, which are then amortized to expense as part of direct operating costs over the respective periods of expected benefit. Deferred contract costs are reported on our balance sheet within current or non-current other assets based on the expected life of the related contract. At December 31, 2023 and 2022, we had $78.4 million and $78.9 million, respectively, of deferred contract costs. For the years ended December 31, 2023, 2022 and 2021, we had $17.1 million, $22.1 million, and $33.3 million of amortization related to these costs, respectively. On a quarterly basis we evaluate the carrying amount of contract assets recognized to determine if there are contracts that may have a carrying amount in excess of the remaining future consideration to be received from the contract. During the fourth quarter of 2021, we identified certain contract assets that had carrying balances greater than the estimated remaining cash flows in the contracts and recorded a corresponding $38.6 million non-cash impairment. The impairment charge is the result of lower-than-expected customer transaction volume related to these specific contracts, stemming primarily from COVID-19 related disruptions. This non-cash impairment charge is included in the Money Transfer Segment.

Convertible notes

In August 2020, the FASB issued ASU 2020-06, "Accounting for Convertible Instruments and Contracts in an Entity's Own Equity" which simplifies the accounting for convertible instruments by eliminating certain accounting models when the conversion features are not required to be accounted for as derivatives under Topic 815, Derivatives and Hedging, or that do not result in substantial premiums accounted for as paid-in-capital. Under this ASU, certain debt instruments with embedded conversion features will be accounted for as a single liability measured at its amortized cost. Additionally, this ASU eliminates the treasury stock method to calculate diluted earnings per share for convertible instruments. We adopted this standard on January 1, 2022 using the modified retrospective approach, which resulted in our Convertible Senior Notes due 2049 being recognized as a single liability. As a result of the adoption of this standard we recorded a $99.7 million decrease to additional paid-in capital, a $56.8 million decrease in debt discounts and a $42.9 million increase in retained earnings. The adoption of this standard also impacted our deferred tax liability by decreasing our deferred tax liability by $15.0 million, decreasing retained earnings by $10.6 million, and increasing additional paid-in capital by $25.6 million. Additionally, the elimination of the treasury stock method will increase the number of dilutive shares used in the diluted earnings per share calculation, if dilutive, by 2.8 million shares.

Income taxes

Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.

In accordance with ASC Topic 740, Income Taxes ("ASC 740"), the Company's policy is to record estimated interest and penalties related to the underpayment of income taxes as income tax expense in the Consolidated Statements of Operations. See Note 15, Income Taxes, to the Consolidated Financial Statements for further discussion regarding these provisions.

Presentation of taxes collected and remitted to governmental authorities

The Company presents taxes collected and remitted to governmental authorities on a net basis in the accompanying Consolidated Statements of Operations.

Fair value measurements

The Company applies the provisions of ASC Topic 820, Fair Value Measurements and Disclosures ("ASC 820"), regarding fair value measurements for assets and liabilities. ASC 820 defines fair value, establishes a framework for measuring fair value and requires certain disclosures about fair value measurements. The provisions apply whenever other accounting pronouncements require or permit fair value measurements. See Note 19, Financial Instruments and Fair Value Measurements, to the Consolidated Financial Statements for the required fair value disclosures.

Accounting for derivative instruments and hedging activities

The Company accounts for derivative instruments and hedging activities in accordance with ASC Topic 815, Derivatives and Hedging ("ASC 815"), which requires that all derivative instruments be recognized as either assets or liabilities on the balance sheet at fair value. Primarily in the Money Transfer Segment, the Company enters into foreign currency derivative contracts, mainly forward contracts, to offset foreign currency exposure related to money transfer settlement assets and liabilities in currencies other than the U.S. dollar, derivative contracts written to its customers arising from its cross-currency money transfer services and certain assets and liability positions denominated in currencies other than the U.S. dollar. These contracts are considered derivative instruments under the provisions of ASC 815; however, the Company does not designate such instruments as hedges for accounting purposes. Accordingly, changes in the value of these contracts are recognized immediately as a component of foreign currency exchange gain (loss), net in the Consolidated Statements of Operations.

Cash flows resulting from derivative instruments are included in operating activities in the Company's Consolidated Statements of Cash Flows. The Company enters into derivative instruments with highly credit-worthy financial institutions and does not use derivative instruments for trading or speculative purposes. See Note 13, Derivative Instruments and Hedging Activities, to the Consolidated Financial Statements for further discussion of derivative instruments.

Share-based compensation

The Company follows the provisions of ASC Topic 718, Compensation - Stock Compensation ("ASC 718"), for equity classified awards, which requires the determination of the fair value of the share-based compensation at the grant date and subsequent recognition of the related expense over the period in which the share-based compensation is earned ("requisite service period").

The amount of future compensation expense related to awards of nonvested shares or nonvested share units ("restricted stock") is based on the market price for Euronet Common Stock at the grant date. The grant date is the date at which all key terms and conditions of the grant have been determined and the Company becomes contingently obligated to transfer equity to the employee who renders the requisite service, generally the date at which grants are approved by the Company's Board of Directors or Compensation Committee thereof. Share-based compensation expense for awards with only service conditions is generally recognized as expense on a "straight-line" basis over the requisite service period. For awards that vest based on achieving periodic performance conditions, expense is recognized on a "graded attribution method." The graded attribution method results in expense recognition on a straight-line basis over the requisite service period for each separately vesting portion of an award. The Company has elected to use the "with and without method" when calculating the income tax benefit associated with its share-based payment arrangements. See Note 17, Stock Plans, for further disclosure.

Revenue recognition

The Company recognizes revenue when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration the Company expects to be entitled to receive in exchange for those goods or services. Sales and usage-based taxes are excluded from revenues. A description of the major components of revenue by business segment is as follows:

EFT Processing - Revenues in the EFT Processing Segment are primarily derived from transaction and management fees and foreign currency exchange margin from owned and outsourced ATM, POS and card processing networks and from the sale of EFT software solutions for electronic payment and transaction delivery systems, and fees or margin earned from value added services, including dynamic currency conversion and domestic and international surcharge.

Transaction-based fees include charges for cash withdrawals, debit or credit card transactions, balance inquiries, transactions not completed because the relevant card issuer does not give authorization and prepaid mobile airtime recharges. Outsourcing services are generally billed on the basis of a fixed monthly fee per ATM, plus a transaction-based fee. Transaction-based fees are recognized at the time the transactions are processed and outsourcing management fees are recognized ratably over the contract period.

Certain of the Company's non-cancelable customer contracts provide for the receipt of up-front fees from the customer and/or decreasing or increasing fee schedules over the agreement term for substantially the same level of services to be provided by the Company. The Company recognizes revenue under these contracts based on proportional performance of services over the term of the contract. This generally results in "straight-line" (i.e., consistent value per period) revenue recognition of the contracts' total cash flows, including any up-front payment received from the customer, which is recorded as deferred revenue upon receipt.

epay - Revenue generated in the epay Segment is primarily derived from commissions or processing fees associated with distribution and/or processing of prepaid mobile airtime and digital media products. These fees and commissions are received from mobile operators, content vendors or distributors or from retailers. Commissions are recognized as revenue during the period in which the Company provides the service. The portion of the commission that is paid to retailers is generally recorded as a direct operating cost. In selling certain products, the Company is the principle obligor in the arrangements; accordingly, the gross sales value of the products is recorded as revenue and the purchase cost as direct operating cost. Transactions are processed through a network of POS terminals and direct connections to the electronic payment systems of retailers. Transaction processing fees are recognized at the time the transactions are processed.

Money Transfer - Revenues for money transfer and other services represent a transaction fee in addition to a margin earned from purchasing currency at wholesale exchange rates and selling the currency to customers at retail exchange rates. Revenues and the associated direct operating cost are recognized at the time the transaction is processed. The Company has origination and distribution agents in place, which each earn a fee for the respective service. These fees are reflected as direct operating costs.

Revenues

Deferred Revenues - The Company records deferred revenues when cash payments are received or due in advance of its performance. The decrease in the deferred revenue balance for the year ended December 31, 2023 was primarily driven by $32.9 million of cash payments received in the current year for which the Company has not yet satisfied the performance obligations, offset by $41.6 million of revenues recognized that were included in the deferred revenue balance as of December 31, 2022.

Disaggregation of Revenues - The following table presents the Company's revenues disaggregated by segment and region. The Company believes disaggregation by segment and region best depicts how the nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factors. The disaggregation of revenues by segment and region is based on management's assessment of segment performance together with allocation of financial resources, both capital and operating support costs, on a segment and regional level. Both segments and regions benefit from synergies achieved through concentration of operations and are influenced by macro-economic, regulatory and political factors in the respective segment and region. The Company recognizes foreign exchange revenues from derivative instruments in its xe operations in accordance with ASC Topic 815 and not ASC Topic 606. These revenues are not significant to the Company's consolidated revenues and are included in the following tables.

	For the Year Ended December 31, 2023
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	817.2	$	717.1	$	647.7	$	2,182.0
North America	72.8		172.6		728.9		974.3
Asia Pacific	160.2		137.5		112.8		410.5
Other	8.1		55.2		65.8		129.1
Eliminations	—		—		—		(7.9		)
Total	$	1,058.3	$	1,082.4	$	1,555.2	$	3,688.0

	For the Year Ended December 31, 2022
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	716.3	$	658.3	$	581.9	$	1,956.5
North America	69.3		133.3		700.1		902.7
Asia Pacific	133.9		155.0		107.5		396.4
Other	4.7		51.3		55.0		111.0
Eliminations	—		—		—		(7.8		)
Total	$	924.2	$	997.9	$	1,444.5	$	3,358.8

	For the Year Ended December 31, 2021
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	420.2	$	669.3	$	576.6	$	1,666.1
North America	63.4		139.8		667.7		870.9
Asia Pacific	107.0		158.1		105.1		370.2
Other	0.6		44.3		51.5		96.4
Eliminations	—		—		—		(8.1		)
Total	$	591.2	$	1,011.5	$	1,400.9	$	2,995.5

Recent accounting guidance

In November 2023, the FASB issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amended guidance requires incremental reportable segment disclosures, primarily about significant segment expenses. The amendments also require entities with a single reportable segment to provide all disclosures required by these amendments, and all existing segment disclosures. The amendments will be applied retrospectively to all prior periods presented in the financial statements and is effective for fiscal years beginning after December 15, 2023, and interim periods in fiscal years beginning after December 15, 2024, with early adoption permitted. The Company is currently evaluating the impact of adopting ASU 2023-07.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amended guidance enhances income tax disclosures primarily related to the effective tax rate reconciliation and income taxes paid information. This guidance requires disclosure of specific categories in the effective tax rate reconciliation and further information on reconciling items meeting a quantitative threshold. In addition, the amended guidance requires disaggregating income taxes paid (net of refunds received) by federal, state, and foreign taxes. It also requires disaggregating individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than 5 percent of total income taxes paid (net of refunds received). ASU 2023-09 is effective for fiscal years beginning after December 15, 2024, with early adoption permitted. The Company is currently evaluating the impact of adopting ASU 2023-09.

Summary of Significant Accounting Policies and Practices (Details 2) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	$ 3,688.0	$ 3,358.8	$ 2,995.5
Operating Segments [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	1,058.3	924.2	591.2
Operating Segments [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	1,082.4	997.9	1,011.5
Operating Segments [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	1,555.2	1,444.5	1,400.9
Eliminations [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	(7.9)	(7.8)	(8.1)
Eliminations [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues
Eliminations [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues
Eliminations [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues
Europe [Member] \| Operating Segments [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	2,182.0	1,956.5	1,666.1
Europe [Member] \| Operating Segments [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	817.2	716.3	420.2
Europe [Member] \| Operating Segments [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	717.1	658.3	669.3
Europe [Member] \| Operating Segments [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	647.7	581.9	576.6
North America [Member] \| Operating Segments [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	974.3	902.7	870.9
North America [Member] \| Operating Segments [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	72.8	69.3	63.4
North America [Member] \| Operating Segments [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	172.6	133.3	139.8
North America [Member] \| Operating Segments [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	728.9	700.1	667.7
Asia Pacific [Member] \| Operating Segments [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	410.5	396.4	370.2
Asia Pacific [Member] \| Operating Segments [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	160.2	133.9	107.0
Asia Pacific [Member] \| Operating Segments [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	137.5	155.0	158.1
Asia Pacific [Member] \| Operating Segments [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	112.8	107.5	105.1
Other [Member] \| Operating Segments [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	129.1	111.0	96.4
Other [Member] \| Operating Segments [Member] \| EFT Processing [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	8.1	4.7	0.6
Other [Member] \| Operating Segments [Member] \| epay [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	55.2	51.3	44.3
Other [Member] \| Operating Segments [Member] \| Money Transfer Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Revenues	$ 65.8	$ 55.0	$ 51.5

Summary of Significant Accounting Policies and Practices (Tables)

12 Months Ended

Dec. 31, 2023

Summary of Significant Accounting Policies and Practices

Schedule of depreciation and amortization rates

ATMs or ATM upgrades	5 - 8 years
Computers and software	3 - 5 years
POS terminals	3 - 5 years
Vehicles and office equipment	3 - 10 years
Leasehold improvements	Over the lesser of the lease term or estimated useful life

Schedule of other intangible assets

Non-compete agreements	2 - 5 years
Trademarks and trade names	2 - 20 years
Software	3 - 10 years
Customer relationships	6 - 20 years

Schedule of revenues by segment by region

	For the Year Ended December 31, 2023
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	817.2	$	717.1	$	647.7	$	2,182.0
North America	72.8		172.6		728.9		974.3
Asia Pacific	160.2		137.5		112.8		410.5
Other	8.1		55.2		65.8		129.1
Eliminations	—		—		—		(7.9		)
Total	$	1,058.3	$	1,082.4	$	1,555.2	$	3,688.0

	For the Year Ended December 31, 2022
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	716.3	$	658.3	$	581.9	$	1,956.5
North America	69.3		133.3		700.1		902.7
Asia Pacific	133.9		155.0		107.5		396.4
Other	4.7		51.3		55.0		111.0
Eliminations	—		—		—		(7.8		)
Total	$	924.2	$	997.9	$	1,444.5	$	3,358.8

	For the Year Ended December 31, 2021
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	420.2	$	669.3	$	576.6	$	1,666.1
North America	63.4		139.8		667.7		870.9
Asia Pacific	107.0		158.1		105.1		370.2
Other	0.6		44.3		51.5		96.4
Eliminations	—		—		—		(8.1		)
Total	$	591.2	$	1,011.5	$	1,400.9	$	2,995.5

Acquisitions (Details Textual) € in Millions, $ in Millions			10 Months Ended	12 Months Ended
Acquisitions (Details Textual) € in Millions, $ in Millions	Mar. 15, 2022 EUR (€) terminal merchant	Mar. 15, 2022 USD ($) terminal merchant	Dec. 31, 2022 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) Item	Dec. 31, 2021 USD ($)
Business Acquisition [Line Items]
Goodwill			$ 828.3	$ 847.5	$ 828.3	$ 641.6
Series of Individually Immaterial Business Acquisitions [Member]
Business Acquisition [Line Items]
Number of additional acquisition				1	1
Piraeus Bank Merchant Acquiring [Member]
Business Acquisition [Line Items]
Number of Point of Sale Terminals Acquisition \| terminal	205,000	205,000
Number of Merchants at Point of Sale Terminals Acquisition \| merchant	170,000	170,000
Business acquisition, purchase price	€ 317.8	$ 350.6
Payments to acquired entity in cash		331.0
Payments to acquired entity in cash for surplus working capital		4.4			$ 4.4
Business Combination, Intangible assets acquired		122.5
Goodwill		212.7
Business Combination, Revenue of acquiree			$ 88.8	$ 130.2
Piraeus Bank Merchant Acquiring [Member] \| Customer Relationships [Member]
Business Acquisition [Line Items]
Business Combination, Intangible assets acquired		$ 112.2
Amortization method	straight-line	straight-line
Business Combination, Acquired Intangible asset, useful life	15 years	15 years
Piraeus Bank Merchant Acquiring [Member] \| Contract-Based Intangible Assets [Member]
Business Acquisition [Line Items]
Business Combination, Intangible assets acquired		$ 10.3
Amortization method	straight-line	straight-line
Business Combination, Acquired Intangible asset, useful life	10 years	10 years
Piraeus Bank Merchant Acquiring [Member] \| Earn Out Contingent [Member]
Business Acquisition [Line Items]
Estimated contingent consideration		$ 15.2
Business Acquisition, Period of Earn Out Contingent	10 years	10 years
Contractual maximum amount of consideration				no contractual maximum amount of consideration under this agreement.

Income Taxes (Details 5) - USD ($) $ in Millions	12 Months Ended
Income Taxes (Details 5) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 42.8	$ 41.0
Additions based on tax positions related to the current year	7.2	6.1
Additions for tax positions of prior years	2.6	0.3
Reductions for tax positions of prior years	(0.1)	(4.0)
Statute of limitations expiration	(0.7)	(0.6)
Ending balance	$ 51.8	$ 42.8

Debt Obligations

12 Months Ended

Dec. 31, 2023

Debt Obligations

Debt Obligations

(12) Debt Obligations

Debt obligations consist of the following as of December 31, 2023 and 2022:

	As of December 31,
(in millions)	2023			2022
Credit Facility:
Revolving credit agreement	$	536.9		$	454.8

Convertible Debt:
0.75% convertible notes, unsecured, due 2049	525.0			525.0

1.375% Senior Notes, due 2026	662.2			642.1

Uncommitted credit agreement	150.0			—

Other obligations	0.3			0.2

Total debt obligations	$	1,874.4		$	1,622.1
Unamortized debt issuance costs	(8.7		)	(12.9		)
Carrying value of debt	$	1,865.7		$	1,609.2
Short-term debt obligations and current maturities of long-term debt obligations	(150.3		)	(0.1		)
Long-term debt obligations	$	1,715.4		$	1,609.1

As of December 31, 2023, aggregate annual maturities of long-term debt are $0 million due in 2024, $525.0 million due in 2025, $662.2 million due in 2026, and $536.9 million thereafter. This maturity schedule reflects the revolving credit facility maturing in 2027 and the Convertible Notes maturing in 2025, coinciding with the terms of the initial put option by holders of the Convertible Notes. It also reflects the maturing of the 1.375% Senior Notes of €600 million ($662.2 million) due in 2026.

Credit Facility

On October 24, 2022, the Company amended its revolving credit agreement (the “Credit Facility”) to increase the facility from $1.03 billion to $1.25 billion and to extend the expiration to October 24, 2027.

The revolving credit facility contains a sublimit of up to $250 million, with $150 million committed, for the issuance of letters of credit, a $75 million sublimit for U.S. dollar swingline loans and a $75 million sublimit for swingline loans in euros or British pounds sterling. The Credit Facility allows for borrowings in British pounds sterling, euro and U.S. dollars. Subject to certain conditions, the Company has the option to increase the Credit Facility by up to an additional $500 million by requesting additional commitments from existing or new lenders. Fees and interest on borrowings vary based upon the Company's corporate credit rating and will be based, in the case of letter of credit fees, on a margin, and in the case of interest, on a margin over a secured overnight financing rate, as defined in the agreement, with a margin, including the facility fee, ranging from 1.00% to 1.625% or the base rate, as selected by the Company. The applicable margin for borrowings under the credit facility, based on the Company's current credit rating, is initially 1.25% including the facility fee.

The agreement contains customary affirmative and negative covenants, events of default and financial covenants, including (all as defined in the Credit Facility): (i) a Consolidated Total Leverage Ratio, depending on certain circumstances defined in the Credit Facility, not to exceed a range between 3.5 to 1.0 and 4.5 to 1.0; and (ii) a Consolidated Interest Coverage Ratio of not less than 3.0 to 1.0. Subject to meeting certain customary covenants (as defined in the Credit Facility), the Company is permitted to repurchase common stock and debt. The Company was in compliance with all debt covenants as of December 31, 2023.

The interest rate of the Company's borrowings under the Credit Facility was 6.5% as of December 31, 2023.

As of December 31, 2023 and 2022, the Company had stand-by letters of credit/bank guarantees outstanding under the Credit Facility of $51.9 million and $54.6 million, respectively. Stand-by letters of credit/bank guarantees reduce the Company's borrowing capacity under the Credit Facility and are generally used to secure trade credit and performance obligations. As of December 31, 2023 and 2022, the stand-by letters of credit interest charges were each 1.25% per annum. Borrowing capacity under the Credit Facility as of December 31, 2023 was $661.2 million.

Uncommitted Credit Agreements

On June 27, 2023, the Company entered into an Uncommitted Credit Agreement for $300 million, for the sole purpose of providing vault cash for ATMs, that expired on November 30, 2023. The loan was fully repaid and there was no balance at December 31, 2023. The loan bore interest at the rate per annum equal to the secured overnight financing rate (“SOFR”) plus 1.125%. The weighted-average interest rate from the loan inception date to November 30, 2023 was 6.37%.

On June 26, 2023, the Company entered into an Uncommitted Loan Agreement for $150 million, fully drawn and outstanding at December 31, 2023, for the sole purpose of providing vault cash for ATMs, that expires no later than June 21, 2024. The loan is either a Prime rate loan, a Bloomberg Short-term Bank Yield ("BSBY") rate loan plus 0.95% or bears interest at the rate agreed to by the Bank and the Company at the time such loan is made. The weighted-average interest rate from the loan inception date to December 31, 2023 was 6.29%.

On May 25, 2022, the Company entered into an Uncommitted Credit Agreement for $300.0 million, for the sole purpose of providing vault cash for ATMs, that expired on November 30, 2022. The loan was fully repaid and there was no balance at December 31, 2022. The loan bore interest at the rate per annum equal to the secured overnight financing rate (“SOFR”) plus 1.00%. The weighted-average interest rate from the loan inception date to November 30, 2022 was 3.14%.

On June 24, 2022, the Company entered into an Uncommitted Loan Agreement for $150.0 million, for the sole purpose of providing vault cash for ATMs, that expires no later than June 23, 2023. The loan was fully repaid and there was no balance at December 31, 2022. The loan was either a Prime rate loan, a Bloomberg Short-term Bank Yield rate loan or bore interest at the rate agreed to by the bank and the Company at the time such loan is made. The weighted average interest rate from the loan inception date to the day of repayment (September 28, 2022) was 2.76%.

Convertible Debt

On March 18, 2019, the Company completed the sale of $525.0 million of Convertible Senior Notes ("Convertible Notes"). The Convertible Notes mature in March 2049 unless redeemed or converted prior to such date and are convertible into shares of Euronet Common Stock at a conversion price of approximately $188.73 per share if certain conditions are met (relating to the closing price of Euronet Common Stock exceeding certain thresholds for specified periods). Holders of the Convertible Notes have the option to require the Company to purchase their notes on each of March 15, 2025, March 15, 2029, March 15, 2034, March 15, 2039, and March 15, 2044 at a repurchase price equal to 100% of the principal amount of the Convertible Notes to be repurchased, plus accrued and unpaid interest to, but excluding, the relevant repurchase date. In connection with the issuance of the Convertible Notes, the Company recorded $12.8 million in debt issuance costs, which are being amortized through March 1, 2025.

The Company may redeem for cash all or any portion of the Convertible Notes, at its option, (i) if the closing sale price of the Company's Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive) during any 30 consecutive trading day period (including the last trading day of such period) ending on, and including, the trading day immediately preceding the date on which the Company provides notice of redemption and (ii) on or after March 20, 2025 and prior to the maturity date, regardless of the foregoing sale price condition, in each case at a redemption price equal to 100% of the principal amount of the Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date. No sinking fund is provided for the Convertible Notes. In addition, if a fundamental change, as defined in the Indenture, occurs prior to the maturity date, holders may require the Company to repurchase for cash all or part of their Convertible Notes at a repurchase price equal to 100% of the principal amount of the Convertible Notes to be repurchased, plus accrued and unpaid interest to, but excluding, the fundamental change repurchase date. As of December 31, 2023 the conversion threshold was not met. On January 1, 2022, the Company adopted ASU 2020-06, "Accounting for Convertible Instruments and Contracts in an Entity's Own Equity" which simplifies the accounting for convertible instruments by eliminating certain accounting models when the conversion features are not required to be accounted for as derivatives under Topic 815, Derivatives and Hedging, or that do not result in substantial premiums accounted for as paid-in-capital. ASU 2020-06 amended the accounting for convertible instruments with ASC Topic 470 Debt (See Footnote 3 for the accounting impact of adopting ASU 220-06).

Contractual interest expenses for the Convertible Notes was $3.9 million for each of the years ended December 31, 2023, 2022 and 2021. The effective interest rate was 4.4% for the year ended December 31, 2023.

1.375% Senior Notes due 2026

On May 22, 2019, the Company completed the sale of €600.0 million ($669.9 million) aggregate principal amount of Senior Notes that mature on May 2026 (the "Senior Notes"). The Senior Notes accrue interest at a rate of 1.375% per year, payable annually in arrears commencing May 22, 2020, until maturity or earlier redemption. As of December 31, 2023, the Company has outstanding €600 million ($662.2 million) principal amount of the Senior Notes. In addition, the Company may redeem some or all of these notes on or after February 22, 2026 at their principal amount plus any accrued and unpaid interest. As of December 31, 2023, the Company had $2.9 million of unamortized debt issuance costs related to the Senior Notes.

Other obligations

Certain of the Company's subsidiaries have available lines of credit and overdraft credit facilities that generally provide for short-term borrowings that are used from time to time for working capital purposes. As of December 31, 2023 and 2022, borrowings under these arrangements were $0.3 million and $0.2 million, respectively.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 470
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//470/tableOfContent

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

+ Details

Summary of Significant Accounting Policies and Practices (Policies)

12 Months Ended

Dec. 31, 2023

Summary of Significant Accounting Policies and Practices

Foreign currencies

Cash equivalents

ATM cash

ATM cash represents cash within the ATM network either included within ATMs, within dedicated accounts, or in-transit to ATMs.

Settlement assets and obligations

Property and equipment

Property and equipment are stated at cost, less accumulated depreciation. Property and equipment acquired in acquisitions have been recorded at estimated fair values as of the acquisition date.

Depreciation is generally calculated using the straight-line method over the estimated useful lives of the respective assets.

Depreciation and amortization rates are generally as follows:

ATMs or ATM upgrades	5 - 8 years
Computers and software	3 - 5 years
POS terminals	3 - 5 years
Vehicles and office equipment	3 - 10 years
Leasehold improvements	Over the lesser of the lease term or estimated useful life

Goodwill and other intangible assets

Non-compete agreements	2 - 5 years
Trademarks and trade names	2 - 20 years
Software	3 - 10 years
Customer relationships	6 - 20 years

See Note 9, Goodwill and Acquired Intangible Assets, Net, to the Consolidated Financial Statements for additional information regarding the impairment of goodwill and other intangible assets.

Other assets

Other assets include capitalized software development costs and capitalized payments for new or renewed contracts.

Convertible notes

Income taxes

Presentation of taxes collected and remitted to governmental authorities

The Company presents taxes collected and remitted to governmental authorities on a net basis in the accompanying Consolidated Statements of Operations.

Fair value measurements

Accounting for derivative instruments and hedging activities

Share-based compensation

Revenue recognition

Revenues

	For the Year Ended December 31, 2023
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	817.2	$	717.1	$	647.7	$	2,182.0
North America	72.8		172.6		728.9		974.3
Asia Pacific	160.2		137.5		112.8		410.5
Other	8.1		55.2		65.8		129.1
Eliminations	—		—		—		(7.9		)
Total	$	1,058.3	$	1,082.4	$	1,555.2	$	3,688.0

	For the Year Ended December 31, 2022
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	716.3	$	658.3	$	581.9	$	1,956.5
North America	69.3		133.3		700.1		902.7
Asia Pacific	133.9		155.0		107.5		396.4
Other	4.7		51.3		55.0		111.0
Eliminations	—		—		—		(7.8		)
Total	$	924.2	$	997.9	$	1,444.5	$	3,358.8

	For the Year Ended December 31, 2021
(in millions)	EFT Processing		epay		Money Transfer		Total
Europe	$	420.2	$	669.3	$	576.6	$	1,666.1
North America	63.4		139.8		667.7		870.9
Asia Pacific	107.0		158.1		105.1		370.2
Other	0.6		44.3		51.5		96.4
Eliminations	—		—		—		(8.1		)
Total	$	591.2	$	1,011.5	$	1,400.9	$	2,995.5

Recent accounting guidance