0000070866-22-000008 | 10-K | XBRL Viewer

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Consolidated Statements of Changes in Stockholders' Equity - USD ($) shares in Millions, $ in Millions	Total	Total Stockholders Equity	Common Stock	Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income	Noncontrolling Interest [Member]
Balance at beginning of period at Dec. 31, 2018		$ 399	$ 1	$ 34	$ 606	$ (246)	$ 4
Shares outstanding at beginning of period at Dec. 31, 2018			118.0
Comprehensive income (loss):
Net income (loss)		566			564		2
Other comprehensive (loss) income	$ (26)	(25)				(23)	(2)
Total comprehensive income (loss)		541			564	(23)	0
Employee stock purchase and stock compensation plans		94		94
Employee stock purchase and stock compensation plans (in shares)			3.0
Stock Repurchased During Period, Shares			(3.0)
Stock Repurchased During Period, Value		(96)		96
Dividends, Preferred Stock		(43)			(43)
Stock Issued During Period, Shares, Conversion of Convertible Securities			9.0
Redemption of Preferred Shares		(205)		(272)
Dividend distribution		(1)					1
Deemed Dividend on Preferred Stock Redemption					(67)
Repurchase of non-controlling interest		8		8
Balance at end of period at Dec. 31, 2019		1,107	$ 1	312	1,060	(269)	3
Shares outstanding at end of period at Dec. 31, 2019			127.0
Comprehensive income (loss):
Net income (loss)		(78)			(79)		1
Other comprehensive (loss) income	(2)	(2)				(2)
Total comprehensive income (loss)		(80)			(79)	(2)	1
Employee stock purchase and stock compensation plans		97		97
Employee stock purchase and stock compensation plans (in shares)			4.0
Stock Repurchased During Period, Shares			(2.0)
Stock Repurchased During Period, Value		(41)		41
Dividends, Preferred Stock		(19)			(19)
Stock Issued During Period, Shares, Conversion of Convertible Securities			0.0
Redemption of Preferred Shares				0
Dividend distribution		(1)					1
Deemed Dividend on Preferred Stock Redemption	(67)				(12)
Balance at end of period at Dec. 31, 2020	$ 1,051	1,051	$ 1	368	950	(271)	3
Shares outstanding at end of period at Dec. 31, 2020	129.1		129.0
Comprehensive income (loss):
Net income (loss)		98			97		1
Other comprehensive (loss) income	$ (20)	(20)				(20)
Total comprehensive income (loss)		78			97	(20)	1
Employee stock purchase and stock compensation plans		128		128
Employee stock purchase and stock compensation plans (in shares)			3.0
Convered Cardtronics Awards Attributable to pre-combination services	19
Dividends, Preferred Stock					(16)
Dividend distribution		(1)					1
Deemed Dividend on Preferred Stock Redemption	(12)
Balance at end of period at Dec. 31, 2021	$ 1,259	$ 1,259	$ 1	$ 515	$ 1,031	$ (291)	$ 3
Shares outstanding at end of period at Dec. 31, 2021	132.2		132.0

Segment Information - Revenue from External Customers by Products and Services (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue from External Customer [Line Items]
Total revenue	$ 7,156	$ 6,207	$ 6,915
Recurring revenue [Member]
Revenue from External Customer [Line Items]
Total revenue	4,166	3,338	3,182
All other products and services
Revenue from External Customer [Line Items]
Total revenue	$ 2,990	$ 2,869	$ 3,733

- Definition

Amount, including tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value-added and excise.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Topic 280
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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+ Details

Income Taxes - Components of Income Tax (Benefit) Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current
Federal	$ 5	$ (9)	$ 1
State	5	0	2
Foreign	87	68	78
Deferred
Federal	93	(108)	(19)
State	(8)	(6)	0
Foreign	4	2	(335)
Total income tax expense (benefit)	$ 186	$ (53)	$ (273)

- Definition

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

+ References + Details

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income (loss)	$ 98	$ (78)	$ 564
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Loss from discontinued operations	0	72	50
Gain (Loss) on Extinguishment of Debt	42	20	0
Depreciation and amortization	517	364	333
Stock-based compensation expense	154	108	107
Deferred income taxes	89	(112)	(355)
Asset Impairment Charges	24	46	2
Gain (loss) on disposal of property, plant and equipment	0	(1)	(6)
Business Combination, Bargain Purchase, Gain Recognized, Amount	0	(7)	0
Changes in assets and liabilities:
Receivables	215	420	(144)
Inventories	(195)	168	5
Current payables and accrued expenses	255	(295)	(20)
Contract liabilities	(15)	2	31
Employee benefit plans	(147)	(51)	59
Other assets and liabilities	40	(15)	8
Net Cash Provided by (Used in) Operating Activities	1,077	641	634
Investing activities
Expenditures for property, plant and equipment	(106)	(31)	(91)
Proceeds from Sale of property, plant, and equipment	1	7	11
Additions to capitalized software	(242)	(232)	(238)
Business acquisitions, net of cash acquired	(2,473)	(25)	(203)
Net change in funds held for clients - investing	(13)	(20)	0
Proceeds from Sale, Maturity and Collection of Investments	14	27	0
Other investing activities, net	(7)	(3)	9
Net Cash Provided by (Used in) Investing Activities	(2,826)	(277)	(512)
Financing activities
Repayments of Unsecured Debt	(400)	(1,300)	(900)
Payments on term credit facilities	(107)	(12)	(761)
Payments on revolving credit facilities	(1,650)	(1,998)	(3,216)
Proceeds from Issuance of Secured Debt	1,505	4	750
Borrowings on revolving credit facilities	1,756	1,535	3,535
Proceeds from Issuance of Unsecured Debt	1,200	1,500	1,000
Debt issuance costs and bridge commitment fees	(53)	(21)	(32)
Payment for Debt Extinguishment or Debt Prepayment Cost	(37)	(15)	0
Series A Convertible Preferred Stock cash payments	(15)	(9)	0
Repurchase of company common stock	0	(41)	(96)
Tax withholding payments on behalf of employees	(50)	(28)	(29)
Proceeds from employee stock plans	44	17	16
Increase (Decrease) in Client Funds Held	4	12	(15)
Repurchase of Series A Convertible Preferred Stock	0	(144)	(302)
Finance Lease, Principal Payments	(17)	(13)	(4)
Payments for Repurchase of Redeemable Noncontrolling Interest	0	0	(3)
Other financing activities	(2)	(1)	(4)
Net Cash Provided by (Used in) Financing Activities	2,178	(514)	(61)
Cash flows from discontinued operations
Net cash provided by (used in) discontinued operations	(68)	0	(24)
Effect of Exchange Rate changes on cash and cash equivalents	(18)	(7)	(6)
Decrease in cash, cash equivalents, and restricted cash	343	(157)	31
Cash, Cash Equivalents, Restricted Cash and Restricted Cash at beginning of period	406	563	532
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	749	406	563
Income Taxes Paid, Net	84	82	61
Interest Paid, Excluding Capitalized Interest, Operating Activities	$ 215	$ 196	$ 168

Income Taxes - Deferred Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deferred Tax [Line Items]
Total net deferred income tax assets	$ 676.0	$ 941.0
Deferred tax assets, intangibles transferred			$ 264.0
Deferred income tax assets
Employee pensions and other benefits	656.0	667.0
Other balance sheet reserves and allowances	202.0	229.0
Tax loss and credit carryforwards	233.0	272.0
Capitalized research and development	39.0	44.0
Deferred Tax Assets, Lease Liabilities	101.0	91.0
Deferred Tax Assets, Goodwill and Intangible Assets	0.0	123.0
Property, plant and equipment	18.0	11.0
Other	27.0	13.0
Total deferred income tax assets	1,276.0	1,450.0
Valuation allowance	(368.0)	(341.0)
Net deferred income tax assets	908.0	1,109.0
Deferred Tax Liabilities, Intangible Assets	73.0	0.0
Deferred income tax liabilities
Deferred Tax Liabilities, Deferred Expense, Taxable Distribution	101.0	90.0
Capitalized software	58.0	78.0
Total deferred income tax liabilities	232.0	168.0
U.S. federal and foreign tax attribute carryforwards	1,700.0
Effective Income Tax Rate Reconciliation, Change in Foreign Deferred Tax Assets Valuation Allowance, Amount			(74.0)
Effective Income Tax Rate Reconciliation, Change in U.S. Deferred Tax Assets Valuation Allowance, Amount		48.0
Income tax expense (benefit)	186.0	$ (53.0)	$ (273.0)
Valuation allowance against interest expense deduction carryforwards	36.0
Deferred tax impact of tax law change	14.0
Internal entity restructuring expense	40.0
Error correction, utilization of foreign tax credits
Deferred income tax liabilities
Income tax expense (benefit)	9.0
Error correction, utilization of foreign tax credits; multiple periods
Deferred income tax liabilities
Income tax expense (benefit)	4.7
United States [Member]
Deferred income tax liabilities
Tax credit carryforward, amount	$ 233.0

Description of Business and Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2021

Dec. 31, 2020

Description of Business and Significant Accounting Policies [Abstract]

Contract with Customer, Contract Asset, Contract Liability, and Receivable [Table Text Block]

The following table presents the net contract asset and contract liability balances:


In millions	Location in the Consolidated Balance Sheet	December 31, 2021		December 31, 2020

Current portion of contract liabilities	Contract liabilities	$	516	$	507
Non-current portion of contract liabilities	Other liabilities	$	69	$	80

During the twelve months ended December 31, 2021 and 2020, the Company recognized $447 million and $407 million, respectively, in revenue that was included in contract liabilities as of December 31, 2020 and 2019, respectively.

Schedule of Capitalized Computer Software [Table Text Block]

The following table identifies the activity relating to total capitalized software:


In millions	2021		2020		2019
Beginning balance as of January 1	$	442	$	413	$	325
Capitalization	242		232		238
Amortization	(185)		(171)		(148)
Impairment	(24)		(32)		(2)
Ending balance as of December 31	$	475	$	442	$	413

During the year ended December 31, 2021 and 2020, we recorded the write-off of certain internal and external-use software capitalization projects that are no longer considered strategic and as a result, the projects have been abandoned.

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

The components of basic earnings (loss) per share are as follows:


In millions, except per share amounts	Year ended December 31
	2021		2020		2019
Numerator:
Income (loss) from continuing operations	$	97	$	(7)	$	614
Series A convertible preferred stock dividends	(16)		(31)		(110)
Net income (loss) from continuing operations attributable to NCR common stockholders	81		(38)		504
Loss from discontinued operations, net of tax	—		(72)		(50)
Net income (loss) attributable to NCR common stockholders	$	81	$	(110)	$	454

Denominator:
Basic weighted average number of shares outstanding	131.2		128.4		122.1

Basic earnings (loss) per share:
From continuing operations	$	0.62	$	(0.30)	$	4.13
From discontinued operations	—		(0.56)		(0.41)
Total basic earnings (loss) per share	$	0.62	$	(0.86)	$	3.72

The components of diluted earnings (loss) per share are as follows:


In millions, except per share amounts	Year ended December 31
	2021		2020		2019
Numerator:
Income (loss) from continuing operations	$	97	$	(7)	$	614
Series A convertible preferred stock dividends	(16)		(31)		(76)
Net income (loss) from continuing operations attributable to NCR common stockholders	81		(38)		538
Loss from discontinued operations, net of tax	—		(72)		(50)
Net income (loss) attributable to NCR common stockholders	$	81	$	(110)	$	488

Denominator:
Basic weighted average number of shares outstanding	131.2		128.4		122.1
Dilutive effect of as-if Series A Convertible Preferred Stock	—		—		19.5
Dilutive effect of stock options and restricted stock units	7.8		—		3.6
Weighted average diluted shares	139.0		128.4		145.2

Diluted earnings (loss) per share:
From continuing operations	$	0.58	$	(0.30)	$	3.71
From discontinued operations	—		(0.56)		(0.35)
Total diluted earnings (loss) per share	$	0.58	$	(0.86)	$	3.36

For 2021, the weighted average outstanding shares of common stock were not adjusted by 9.2 million for the as-if converted Series A Convertible Preferred Stock because the effect would be anti-dilutive. Additionally, for 2021, weighted average restricted stock units and stock options of 4.7 million were excluded from the diluted share count because their effect would have been anti-dilutive.

For 2020, due to the net loss attributable to NCR common stockholders, potential common shares that would cause dilution, such as Series A Convertible Preferred Stock, restricted stock units and stock options, were excluded from the diluted share count because their effect would have been anti-dilutive. The weighted average outstanding shares of common stock were not adjusted by 9.1 million for the as-if converted Series A Convertible Preferred Stock because the effect would have been anti-dilutive. Refer to Note 12, “Series A Convertible Preferred Stock”, for additional discussion related to the transaction impacting the Series A Convertible Preferred Stock. Additionally, for 2020, weighted average restricted stock units and stock options of 11.2 million were excluded from the diluted share count because their effect would have been anti-dilutive.

For 2019, it is more dilutive to assume the portion of the Series A Convertible Preferred Stock that was redeemed was not converted to common stock. Therefore, weighted average outstanding shares of common stock were not adjusted by 5.7 million for the as-if converted Series A Convertible Preferred Stock that was redeemed because the effect would have been anti-dilutive. Refer to Note 12, “Series A Convertible Preferred Stock”, for additional discussion related to the transaction impacting the Series A Convertible Preferred Stock. Additionally, for 2019, weighted average restricted stock units and stock options of 4.3 million were excluded from the diluted share count because their effect would have been anti-dilutive.

Reconciliation of cash, cash equivalents, and restricted cash


In millions	Balance Sheet Location	December 31, 2021		December 31, 2020		December 31, 2019
Cash and cash equivalents	Cash and cash equivalents	$	447	$	338	$	509
Long term restricted cash	Other assets	7		9		7
Funds held for client	Restricted cash	48		44		32
Cash included in settlement processing assets	Restricted cash	247		15		15
Total cash, cash equivalents and restricted cash		$	749	$	406	$	563

Description of Business and Significant Accounting Policies - Allowance for Credit Loss (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accounts Receivable, after Allowance for Credit Loss [Abstract]
Accounts Receivable, Allowance for Credit Loss, Current	$ 24	$ 51
Provision for Other Credit Losses		33
Provision for Credit Losses Attributable to COVID-19	$ 10
Accounts Receivable, Allowance for Credit Loss, Writeoff		$ 26

Segment Information Property, Plant and Equipment by Geography (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting Information [Line Items]
Property, plant and equipment, net	$ 703	$ 373
UNITED STATES
Segment Reporting Information [Line Items]
Property, plant and equipment, net	429	244
Americas (Excluding United States) [Member]
Segment Reporting Information [Line Items]
Property, plant and equipment, net	26	14
EMEA
Segment Reporting Information [Line Items]
Property, plant and equipment, net	197	75
APJ [Member]
Segment Reporting Information [Line Items]
Property, plant and equipment, net	$ 51	$ 40

Leasing Supplemental Cash Flow Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating Lease, Payments	$ 133	$ 128	$ 141
Finance Lease, Interest Payment on Liability	1	2	1
Finance Lease, Principal Payments	17	13	4
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	163	31	45
Right-of-Use Asset Obtained in Exchange for Finance Lease Liability	$ 2	$ 15	$ 33

Employee Benefit Plans Cash Contributions (Details) $ in Millions	Dec. 31, 2021 USD ($)
Postemployment Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Expected Future Employer Contributions, Next Fiscal Year	$ 30
Other Postretirement Benefits Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Expected Future Employer Contributions, Next Fiscal Year	1
Foreign Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Expected Future Employer Contributions, Next Fiscal Year	$ 15

Income Taxes - Unrecognized Tax Benefit (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Gross unrecognized tax benefits - January 1	$ 103	$ 121	$ 110
Increases related to tax positions from prior years	25	15	7
Decreases related to tax positions from prior years	(4)	(6)	(4)
Increases related to tax provisions taken during the current year	7	6	14
Settlements with tax authorities	(2)	(23)	(5)
Lapses of statutes of limitation	(8)	(10)	(1)
Total Gross unrecognized tax benefits - December 31	121	103	121
Total amount of gross unrecognized tax benefits that would affect NCR's effective tax rate if realized	73
Recognized interest and penalties expense (benefit) associated with uncertain tax positions	0	5	$ 2
Interest and penalties accrued associated with uncertain tax positions	30
Undistributed Earnings of Foreign Subsidiaries		3,500
Deferred Tax Liabilities, Undistributed Foreign Earnings		$ 145
Minimum [Member]
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Significant change in unrecognized tax benefits is reasonably possible, estimated range of change, upper bound	3
Maximum [Member]
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Significant change in unrecognized tax benefits is reasonably possible, estimated range of change, upper bound	$ 12

Segment Information (Tables)

12 Months Ended

Dec. 31, 2021

Segment Reporting [Abstract]

Reconciliation of Operating Profit (Loss) from Segments to Consolidated [Table Text Block]

The following table presents revenue and adjusted EBITDA by segment for the years ended December 31:


In millions	2021		2020		2019
Revenue by segment
Banking	$	3,730	$	3,098	$	3,512
Retail	2,281		2,080		2,217
Hospitality	848		684		843
T&T	297		345		343
Consolidated revenue	$	7,156	$	6,207	$	6,915
Adjusted EBITDA by segment
Banking	$	777	$	546	$	663
Retail	322		255		262
Hospitality	117		73		115
T&T	40		39		57
Corporate and Other	(12)		(17)		(39)
Total Adjusted EBITDA	$	1,244	$	896	$	1,058

The following table reconciles net income (loss) from continuing operations to adjusted EBITDA for the years ended December 31:


In millions	2021		2020		2019
Net Income (Loss) from Continuing Operations Attributable to NCR (GAAP)	$	97	$	(7)	$	614
Transformation and restructuring costs	66		234		58
Acquisition-related amortization of intangibles	132		81		86
Acquisition-related costs	98		(6)		3
Pension mark-to-market adjustments	(118)		34		75
Depreciation and amortization (excluding acquisition-related amortization of intangibles)	357		275		232

Loss on debt extinguishment	42		20		—
Interest expense	238		218		197
Interest income	(8)		(8)		(4)
Internal reorganization & IP transfer	—		—		(37)
Income tax expense (benefit)	186		(53)		(273)
Stock-based compensation expense	154		108		107
Adjusted EBITDA (Non-GAAP)	$	1,244	$	896	$	1,058

Revenue from External Customers by Products and Services [Table Text Block]

The following table presents recurring revenue and all other products and services that is recognized at a point in time for NCR for the years ended December 31:


In millions	2021		2020		2019
Recurring revenue (1)	$	4,166	$	3,338	$	3,182
All other products and services	2,990		2,869		3,733
Total revenue	$	7,156	$	6,207	$	6,915

(1) Recurring revenue includes all revenue streams from contracts where there is a predictable revenue pattern that will occur at regular intervals with a relatively high degree of certainty. This includes hardware and software maintenance revenue, cloud revenue, payment processing revenue, interchange and network revenue, and certain professional services arrangements, as well as term-based software license arrangements that include customer termination rights.

Revenue from External Customer [Line Items]

Schedule of Disclosure on Geographic Areas, Long-Lived Assets in Individual Foreign Countries by Country [Table Text Block]

Revenue is attributed to the geographic area to which the product is delivered or in which the service is provided. The following table presents revenue by geographic area for NCR for the years ended December 31:


In millions	2021		%		2020		%		2019		%
Revenue by Geographic Area
United States	$	3,632	51	%	$	3,065	49	%	$	3,481	50	%
Americas (excluding United States)	723		10	%	617		10	%	693		10	%
Europe, Middle East and Africa	1,883		26	%	1,679		27	%	1,843		27	%
Asia Pacific	918		13	%	846		14	%	898		13	%
Total revenue	$	7,156	100	%	$	6,207	100	%	$	6,915	100	%

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment [Table Text Block]

The following table presents property, plant and equipment by geographic area as of December 31:


In millions	2021		2020
Property, plant and equipment, net
United States	$	429	$	244
Americas (excluding United States)	26		14
Europe, Middle East and Africa	197		75
Asia Pacific	51		40
Consolidated property, plant and equipment, net	$	703	$	373

The components of property, plant and equipment, net are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Property, plant and equipment
Land and improvements	$	3	$	2
Buildings and improvements	298		279
Machinery and other equipment	1,142		713
Finance lease assets	62		55
Property, plant and equipment, gross	1,505		1,049
Less: accumulated depreciation	(802)		(676)
Total property, plant and equipment, net	$	703	$	373

Description of Business and Significant Accounting Policies Subsequent Events (Details) - Subsequent Event - USD ($) shares in Thousands, $ in Millions	Jan. 05, 2022	Jan. 18, 2022
Subsequent Event [Line Items]
Derivative, Notional Amount		$ 250
LibertyX
Subsequent Event [Line Items]
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares	1,400

Segment Information - Revenue and Operating Income By Segments (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Segment Reporting Information [Line Items]
Total revenue	$ 7,156,000,000	$ 6,207,000,000	$ 6,915,000,000
Income from continuing operations	97,000,000	(7,000,000)	614,000,000
Transformation and restructuring costs	66,000,000	234,000,000	58,000,000
Amortization of Intangible Assets	132,000,000	81,000,000	86,000,000
Business Combination, Acquisition Related Costs	98,000,000	(6,000,000)	3,000,000
Pension mark to market adjustments	(118,000,000)	34,000,000	75,000,000
Depreciation and amortization; excluding acquisition-related amortization of intangibles)	357,000,000	275,000,000	232,000,000
Gain (Loss) on Extinguishment of Debt	42,000,000	20,000,000	0
Interest expense	238,000,000	218,000,000	197,000,000
Interest Income, Operating	(8,000,000)	(8,000,000)	(4,000,000)
Internal reorganization & IP transfer	0	0	(37,000,000)
Income tax expense (benefit)	186,000,000	(53,000,000)	(273,000,000)
Stock-based compensation expense	154,000,000	108,000,000	107,000,000
Total Adjusted EBITDA	1,244,000,000	896,000,000	1,058,000,000
Operating Segments [Member]
Segment Reporting Information [Line Items]
Total revenue	7,156,000,000	6,207,000,000	6,915,000,000
Operating Segments [Member] \| Banking Segment Member
Segment Reporting Information [Line Items]
Total revenue	3,730,000,000	3,098,000,000	3,512,000,000
Total Adjusted EBITDA	777,000,000	546,000,000	663,000,000
Operating Segments [Member] \| Retail Segment Member
Segment Reporting Information [Line Items]
Total revenue	2,281,000,000	2,080,000,000	2,217,000,000
Total Adjusted EBITDA	322,000,000	255,000,000	262,000,000
Operating Segments [Member] \| Hospitality
Segment Reporting Information [Line Items]
Total revenue	848,000,000	684,000,000	843,000,000
Total Adjusted EBITDA	117,000,000	73,000,000	115,000,000
Operating Segments [Member] \| T&T Segment
Segment Reporting Information [Line Items]
Total revenue	297,000,000	345,000,000	343,000,000
Total Adjusted EBITDA	40,000,000	39,000,000	57,000,000
Corporate, Non-Segment
Segment Reporting Information [Line Items]
Total revenue	$ (12,000,000)	$ (17,000,000)	$ (39,000,000)

Receivables, Loans, Notes Receivable, and Others (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Receivables [Abstract]
Accounts Receivable Sales Agreement Maxmium	$ 300
Accounts Receivable, Sale	300
Trade Receivables Securitization Facility, Collateral At Period End	$ 228	$ 428

Schedule II - Valuation and Qualifying Accounts

12 Months Ended

Dec. 31, 2021

SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract]

Valuation and Qualifying Accounts


Column A	Column B	Column C		Column D	Column E
		Additions
Description	Balance at Beginning of Period	Charged to Costs & Expenses	Charged to Other Accounts	Deductions	Balance at End of Period
Year Ended December 31, 2021
Allowance for doubtful accounts	$51	$2	$—	$29	$24
Deferred tax asset valuation allowance	$341	$45	$21	$39	$368

Year Ended December 31, 2020
Allowance for doubtful accounts	$44	$33	$—	$26	$51
Deferred tax asset valuation allowance	$352	$26	$10	$47	$341

Year Ended December 31, 2019
Allowance for doubtful accounts	$31	$24	$—	$11	$44
Deferred tax asset valuation allowance	$485	$23	$—	$156	$352

Supplemental Financial Information (Tables)

12 Months Ended

Dec. 31, 2021

Supplemental Financial Information [Abstract]

Interest and Other Income [Table Text Block]

The components of other income (expense), net are summarized as follows for the years ended December 31:


In millions	2021		2020		2019
Other income (expense), net
Interest income	$	8	$	8	$	5
Foreign currency fluctuations and foreign exchange contracts	(22)		(14)		(23)
Employee benefit plans(1)	131		(31)		(82)
Bank-related fees	(27)		(5)		(7)
Gain on equity liquidations	—		—		37
Impairment of equity investment	—		(7)		—
Bargain purchase gain on acquisition	—		7		—
Other, net	—		—		(3)
Total other income (expense), net	$	90	$	(42)	$	(73)

(1) Actuarial gain related to the remeasurement of our pension plan assets and liabilities was $118 million for the fourth quarter ended and year ended December 31, 2021.

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

The components of accounts receivable are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Accounts receivable
Trade	$	939	$	1,120
Other	44		48
Accounts receivable, gross	983		1,168
Less: allowance for credit losses	(24)		(51)
Total accounts receivable, net	$	959	$	1,117

Schedule of Inventory, Current [Table Text Block]

The components of inventory are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Inventories
Work in process and raw materials	$	184	$	133
Finished goods	185		135
Service parts	385		333
Total inventories	$	754	$	601

Property, Plant and Equipment [Table Text Block]

The following table presents property, plant and equipment by geographic area as of December 31:


In millions	2021		2020
Property, plant and equipment, net
United States	$	429	$	244
Americas (excluding United States)	26		14
Europe, Middle East and Africa	197		75
Asia Pacific	51		40
Consolidated property, plant and equipment, net	$	703	$	373

The components of property, plant and equipment, net are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Property, plant and equipment
Land and improvements	$	3	$	2
Buildings and improvements	298		279
Machinery and other equipment	1,142		713
Finance lease assets	62		55
Property, plant and equipment, gross	1,505		1,049
Less: accumulated depreciation	(802)		(676)
Total property, plant and equipment, net	$	703	$	373

Derivatives and Hedging Instruments (Tables)

12 Months Ended

Dec. 31, 2021

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]

The following tables provide information on the location and amounts of derivative fair values in the Consolidated Balance Sheets:


	Fair Values of Derivative Instruments
	December 31, 2021
In millions	Balance Sheet Location	Notional Amount		Fair Value		Balance Sheet Location	Notional Amount		Fair Value
Derivatives designated as hedging instruments

Interest rate contracts	Other assets	$	2,000	$	18	Other liabilities	$	—	$	—

Total derivatives designated as hedging instruments				$	18				$	—
Derivatives not designated as hedging instruments
Foreign exchange contracts	Other current assets	$	278	$	1	Other current liabilities	$	396	$	1
Total derivatives not designated as hedging instruments				$	1				$	1
Total derivatives				$	19				$	1

	Fair Values of Derivative Instruments
	December 31, 2020
In millions	Balance Sheet Location	Notional Amount		Fair Value		Balance Sheet Location	Notional Amount		Fair Value
Derivatives designated as hedging instruments

Foreign exchange contracts	Other current assets	$	—	$	—	Other current liabilities	$	—	$	—
Total derivatives designated as hedging instruments				$	—				$	—
Derivatives not designated as hedging instruments
Foreign exchange contracts	Other current assets	$	150	$	—	Other current liabilities	$	425	$	1
Total derivatives not designated as hedging instruments				$	—				$	1
Total derivatives				$	—				$	1

Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance [Table Text Block]

The effects of derivative instruments on the Consolidated Statements of Operations for the years ended December 31 were as follows:


In millions	Amount of Gain (Loss) Recognized in Other Comprehensive Income (OCI) on Derivative (Effective Portion)				Amount of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)
Derivatives in Cash Flow Hedging Relationships	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019		Location of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Interest rate contracts	$	9	$	—	$	—	Cost of product	$	1	$	—	$	—
Foreign exchange contracts	$	—	$	(8)	$	6	Cost of products	$	—	$	7	$	(8)


In millions		Amount of Gain (Loss) Recognized in the Consolidated Statements of Operations
Derivatives not Designated as Hedging Instruments	Location of Gain (Loss) Recognized in the Consolidated Statements of Operations	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Foreign exchange contracts	Other income (expense), net	$	(24)	$	22	$	(8)

Commitments and Contingencies Loss Contingencies (Details) $ in Millions		12 Months Ended
	Mar. 29, 2018 USD ($)	Dec. 31, 2021 USD ($) entity facility number_of_companies defendant affiliate_corporations	Dec. 31, 2020 USD ($)
Loss Contingencies [Line Items]
Insurance Recoveries		$ 3
Ebina Waste Disposal Percentage; Low Concentration		68.00%
Ebina Waste Disposal Percentage; High Concentration		44.00%
Fox River Site [Member]
Loss Contingencies [Line Items]
Portion Of Costs Below Threshold, Percentage		45.00%
Portion Of Costs Exceeding Threshold, Percentage		40.00%
Fox River Site [Member]
Loss Contingencies [Line Items]
Number of Potentially Responsible Parties \| entity		8
Number of Previously Owned Carbonless Copy Paper Manufacturing Facilities \| facility		2
Threshold For Environmental Cleanup Costs		$ 75
BAT And API Funding Obligation Under The Cost Sharing Agreement		50.00%
BAT And API Obligation Under The Cost Sharing Agreement		60.00%
Receivable under Funding Agreement		$ 54	$ 54
Gross Loss Contingency Accrual		4	6
Net Loss Contingency Accrual		26	28
Funding Remainder Other Current Asset		0	0
Total Amount Received from Settlements with Insurance Carriers			205
General Contractor Arbitration [Member] \| Fox River Site [Member]
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss		10
General Contractor Arbitration [Member] \| Fox River Site [Member] \| Minimum [Member]
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss		46
General Contractor Arbitration [Member] \| Fox River Site [Member] \| Maximum [Member]
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss		$ 53
Kalamazoo River Site [Member]
Loss Contingencies [Line Items]
Loss Contingency, Damages Sought, Value Removed by Court	$ 55
Loss Contingency, Damages Sought, Value	$ 105
Additional Companies Receiving General Notice Letters \| number_of_companies		3
Total Additional Defendants \| defendant		2
Total Corporation Plaintiffs \| affiliate_corporations		3
Total Past Costs Being Tried		$ 50
Loss Contingency Accrual		99	164
Ebina [Member]
Loss Contingencies [Line Items]
Loss Contingency Accrual		16	$ 20
Kalamazoo River Site [Member] \| Minimum [Member]
Loss Contingencies [Line Items]
Anticipated contribution from co-obligors and indemnitors		70
Kalamazoo River Site [Member] \| Maximum [Member]
Loss Contingencies [Line Items]
Anticipated contribution from co-obligors and indemnitors		$ 150

Income Taxes - Income Tax Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income tax expense (benefit) at the U.S. federal tax rate of 35%	$ 60	$ (12)	$ 72
Foreign income tax differential	4	(14)	0
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount	21	13	(2)
U.S. permanent book/tax differences	2	(4)	3
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Meals and Entertainment, Amount	1	1	2
Effective Income Tax Rate Reconciliation, Executive Compensation	4	0	1
Impact of intangible asset transfer	15	10	9
Gains/losses on entity liquidations tax impact	(6)	3	2
Effective Income Tax Rate Reconciliation, foreign derived intangible income deduction	3	2	2
Effective Income Tax Rate Reconciliation, Branch Status Change	55	2	(12)
Goodwill impairment	1	0	17
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Research and Development, Amount	(6)	(7)	(5)
Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount	(13)	(4)	5
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount	21	(32)	(90)
US Tax Reform, Provisional Tax Expense	13	(12)	4
Effective Income Tax Rate Reconciliation, Change in Foreign Deferred Tax Assets Valuation Allowance, Amount	11	0	(1)
Change in liability for unrecognized tax benefits	0	0	(245)
Other, net	0	1	(1)
Total income tax expense (benefit)	$ 186	$ (53)	$ (273)

Business Combinations and Divestitures

12 Months Ended

Dec. 31, 2021

Business Combinations [Abstract]

Acquisitions

3. BUSINESS COMBINATIONS AND DIVESTITURES

2021 Acquisitions

Acquisition of Cardtronics plc

On January 25, 2021, NCR entered into a definitive agreement to acquire all outstanding shares of Cardtronics for $39.00 per share (the “Cardtronics Transaction”). The legal closing of the Cardtronics Transaction occurred on June 21, 2021.

Cardtronics is the world's largest non-bank ATM operator and service provider, enabling cash transactions by converting digital currency into physical cash at over 285,000 ATMs across 10 countries in North America, Europe, Asia-Pacific, and Africa. The Cardtronics Transaction is expected to accelerate our NCR-as-a-service strategy and enhance our ability to provide technology solutions and capabilities that run our customers’ businesses.

Purchase Price Consideration The purchase consideration transferred consisted of the following:


In millions	Purchase Consideration
Cash paid to common stockholders and holders of certain restricted stock and stock option awards	$	1,775
Debt repaid by NCR on behalf of Cardtronics	809
Transaction costs paid by NCR on behalf of Cardtronics	57
Fair value of converted Cardtronics awards attributable to pre-combination services	19
Settlement of pre-existing relationships	14
Total purchase consideration	$	2,674

Other than certain outstanding restricted stock and stock option awards issued to directors which were paid out in cash at closing, the Company converted outstanding unvested Cardtronics awards into NCR awards pursuant to an exchange ratio as defined in the acquisition agreement. Each restricted stock award that was outstanding, whether performance-based or time-based, was converted into time-based awards, and will continue to be governed by the same vesting terms as the original Cardtronics awards. Cardtronics stock option awards were converted into NCR stock option awards with an exercise price per share for option awards equal to the exercise price per share of such stock option award immediately prior to the completion of the acquisition divided by the exchange ratio, and will continue to be governed generally by the same terms and conditions as were applicable prior to the acquisition. The amounts attributable to services already rendered were included as an adjustment to the purchase price and the amounts attributable to future services will be expensed over the remaining vesting period, net of estimated forfeitures. The fair value of options that the Company assumed in connection with the acquisition of Cardtronics were estimated using the Black-Scholes model.

Recording of Assets Acquired and Liabilities Assumed The fair value of consideration transferred to acquire Cardtronics was allocated to the identifiable assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition as set forth below.

The preliminary allocation of the purchase price for Cardtronics is as follows:


In millions	Fair Value
Assets acquired
Cash and restricted cash	$	291
Trade accounts receivable	85
Prepaid expenses, other current assets and other assets	194
Property, plant and equipment	362
Estimated acquisition-related intangible assets	864
Total assets acquired	$	1,796

Liabilities assumed	726
Net assets acquired, excluding goodwill	1,070
Total purchase consideration	2,674
Estimated goodwill	$	1,604

We recorded a preliminary allocation of the purchase price to tangible and identifiable intangible assets acquired and liabilities assumed based on their estimated fair values as of June 21, 2021. In determining the provisional fair value, the Company utilized various methods of the income, cost, and market approaches depending on the asset or liability being fair valued. The estimation of fair value required significant judgment related to future net cash flows (including revenue growth rate, EBITDA margins, and customer attrition), discount rates reflecting the risk inherent in each cash flow stream, competitive trends, market comparables, and other factors. Inputs were generally determined by taking into account historical data (supplemented by current and anticipated market conditions) and growth rates.

Direct customer relationships and technology - software were valued using an excess earnings method. Significant assumptions used in the discounted cash flow analysis for (i) direct customer relationships were the revenue growth rate, customer attrition rate, and discount rate, and (ii) technology - software were the revenue growth rate, earnings before interest, taxes, depreciation, and amortization (“EBITDA”) margins, and discount rate. The valuation of assets acquired and liabilities assumed is subject to revision. If additional information becomes available, the company may further revise the purchase price allocation as soon as practical, but no later than one year from the acquisition date; however, material changes are not excepted.

Goodwill represents the future economic benefits arising from other assets acquired that could not be separately recognized. The goodwill arising from the acquisition consists of revenue and cost synergies expected from combining the operations of NCR and Cardtronics. It is expected that approximately $139 million of the goodwill recognized in connection with the acquisition will be deductible for tax purposes. The goodwill arising from the acquisition has been allocated to our Banking segment. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for the carrying amounts of goodwill by segment as of December 31, 2021.

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	373	15
Technology - Software	441		8
Non-compete	1		1
Tradenames	49		4
Total acquired intangible assets	$	864

(1) Determination of the weighted average period of the individual categories of intangible assets was based on the nature of the applicable intangible asset and the expected future cash flows to be derived from the intangible asset. Amortization of intangible assets with definite lives is recognized over the period of time the assets are expected to contribute to future cash flows.

In connection with the closing of the acquisition, the Company incurred transaction costs of $46 million for the year ended December 31, 2021, which has been included within Selling, general and administrative expenses in the Consolidated Statement of Operations. Refer to Note 5, “Debt Obligations”, for additional discussion on fees incurred related to the financing for the Cardtronics Transaction.

Unaudited Pro forma Information The following unaudited pro forma information presents the consolidated results of NCR and Cardtronics for the year ended December 31, 2021 and for the year ended December 31, 2020. The unaudited pro forma information is presented for illustrative purposes only. It is not necessarily indicative of the results of operations of future periods, or the results of operations that actually would have been realized had the entities been a single company during the periods presented or the results that the combined company will experience after the acquisition. The unaudited pro forma information does not give effect to the potential impact of current financial conditions, regulatory matters or any anticipated synergies, operating efficiencies or cost savings that may be associated with the acquisition. The unaudited pro forma information also does not include any integration costs or remaining future transaction costs that the companies may incur related to the acquisition as part of combining the operations of the companies.

The Consolidated Statements of Operations includes Cardtronics revenue of $627 million and income from continuing operations before income taxes of $39 million, which includes the impact of purchase accounting adjustments, for the period from June 21, 2021 through December 31, 2021.

The unaudited pro forma consolidated results of operations, assuming the acquisition had occurred on January 1, 2020, are as follows:


In millions	For the year ended December 31
	2021		2020
Revenue	$	7,634	$	7,210
Net income (loss) attributable to NCR	$	286	$	(216)

The unaudited pro forma results for the year ended December 31, 2021 include:

•$53 million in eliminated intercompany revenue and cost between NCR and Cardtronics;

•$25 million, net of tax, in additional amortization expense for acquired intangible assets;

•$87 million, net of tax, in eliminated transaction costs as if those costs were incurred prior to 2021; and

•$35 million, net of tax, in additional interest expense from the incremental borrowings under the senior secured credit facility as well as the 5.125% senior notes.

The unaudited pro forma results for the year ended December 31, 2020 include:

•$91 million in eliminated intercompany revenue and cost between NCR and Cardtronics;

•$51 million, net of tax, in additional amortization expense for acquired intangible assets;

•$65 million, net of tax, of transaction costs as if those costs were incurred in the period; and

•$79 million, net of tax, in additional interest expense from the incremental borrowings under the senior secured credit facility as well as the 5.125% senior notes.

Acquisition of Freshop, Terafina, & Dumac

In the first quarter of 2021, NCR completed acquisitions for total cash consideration of $126 million, as outlined below:

•On January 6, 2021, NCR completed its acquisition of Freshop E-Commerce Solution, Inc. (“Freshop”), a leading provider of grocery e-commerce. The Freshop acquisition further expands NCR’s software and services-led offerings to our retail platform and creates more value for our customers and new capabilities for NCR to run the store. As a result of the acquisition, Freshop became a wholly owned subsidiary of NCR.

•On February 5, 2021, NCR completed its acquisition of Terafina, Inc. (“Terafina”), a leading solution provider for customer account opening and onboarding across digital, branch and call center channels. The Terafina acquisition further expands NCR sales and marketing capabilities in its industry-leading digital-first-banking platform to drive revenue growth across consumer and business market segments. As a result of the acquisition, Terafina became a wholly owned subsidiary of NCR.

•On March 22, 2021 NCR completed its acquisition of certain assets and liabilities of Dumac Business Systems Inc. (“Dumac”), a leading POS solution provider for the quick service, table service, and convenient store markets. The Dumac asset acquisition further expands NCR's software and services-led offerings, creating more value for our customers and driving revenue growth across the Hospitality segment.

Recording of Assets Acquired and Liabilities Assumed The fair value of consideration transferred was allocated to the identifiable assets acquired and liabilities assumed based upon their estimated fair values as of the date of the respective acquisitions as set forth below. The allocation of the purchase price are provisional as of December 31, 2021 and may be subject to future adjustments as the Company obtains additional information to finalize the accounting for the business combinations. The allocation of the purchase prices is as follows:


In millions	Fair Value
Cash acquired	$	2
Tangible assets acquired	7
Acquired intangible assets other than goodwill	52
Acquired goodwill	81
Deferred tax liabilities	(3)
Liabilities assumed	(13)
Total purchase consideration	$	126

Goodwill represents the future economic benefits arising from other assets acquired that could not be individually separately recognized. The goodwill arising from the acquisitions consists of revenue and cost synergies expected from combining the operations of NCR and the respective acquisitions. It is expected that $9 million of the goodwill recognized in connection with the acquisitions will be deductible for tax purposes. The goodwill arising from the Freshop acquisition has been allocated to our Retail segment. The goodwill arising from the Terafina acquisition has been allocated to our Banking segment. The goodwill arising from the Dumac acquisition has been allocated to our Hospitality segment. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for the carrying amounts of goodwill by segment.

The following table sets forth the components of the intangible assets acquired as of the acquisition dates:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	11	10
Technology - Software	36		8
Non-compete	1		1
Tradenames	4		9
Total acquired intangible assets	$	52

The operating results of Freshop, Terafina, and Dumac have been included within NCR's results as of the closing dates of the acquisitions. Supplemental pro forma information and actual revenue and earnings since the acquisition dates have not been provided as the acquisitions did not have a material impact on the Company's Consolidated Statements of Operations.

2020 Acquisition

Acquisition of Origami

On June 6, 2019, our subsidiary, NCR Brasil Ltda. (“NCR Brasil”) entered into a definitive agreement with OKI Electric Industry Co., Ltd. and its Brazilian subsidiary, OKI Brasil Industria e Comércio de Produtos e Tecnologia em Automação S.A. (“OKI Brasil”), to purchase OKI Brasil's IT services and select software assets for use in the banking, retail and other industries. Neither OKI Brasil's manufacturing operations nor its printing business in Brazil were included in the acquisition. On April 9, 2020, NCR Brasil completed this acquisition through the purchase of 100% of the quotas of Origami Brasil Tecnologia e Serviços em Automação Ltda. (“Origami”), which became a wholly-owned subsidiary of NCR Brasil. The purchase price was approximately $5 million, of which $2 million is payable in cash within two years of the acquisition date, subject to certain conditions, and the remaining $3 million is payable in cash within six years of the acquisition date, subject to purchase price adjustments.

The fair value of consideration transferred to acquire Origami was allocated to the identifiable assets and liabilities assumed based upon their estimated fair values as of the date of acquisition as set forth below. The acquisition has resulted in a bargain purchase gain based on the purchase price being limited mostly to the net assets of the business excluding cash and investments. The bargain purchase gain has been recorded in Other income (expense), net within the Consolidated Statement of Operations.


In millions	Fair Value
Cash acquired	$	1
Investments acquired	9
Tangible assets acquired	18
Bargain purchase gain on business acquisition	(7)
Liabilities assumed	(16)
Total purchase consideration	$	5

The operating results of Origami have been included within NCR's results as of the closing date of the acquisition. Supplemental pro forma information and actual revenue and earnings since the acquisition date have not been provided as this acquisition did not have a material impact on the Company's Consolidated Statements of Operations.

2019 Acquisitions

Acquisition of D3 Technology, Inc.

On July 1, 2019, NCR completed its acquisition of D3 Technology, Inc. (“D3”), a leading provider of online and mobile banking for the Large Financial Institution market, for approximately $84 million, of which $83 million was paid in cash in 2019. The remaining $1 million was payable within 12 months from the date of acquisition and paid in 2020. The D3 acquisition further expands our digital banking strategy as we extend our market share in large domestic banks and international banks. As a result of the acquisition, D3 became a wholly-owned subsidiary of NCR.

Recording of Assets Acquired and Liabilities Assumed The fair value of consideration transferred to acquire D3 was allocated to the identifiable assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition as set forth below.

The final allocation of the purchase price for D3 is as follows:


In millions	Fair Value
Cash acquired	$	9
Tangible assets acquired	6
Acquired intangible assets other than goodwill	20
Acquired goodwill	51
Deferred tax assets	6
Liabilities assumed	(8)
Total purchase consideration	$	84

Goodwill represents the future economic benefits arising from other assets acquired that could not be individually separately recognized. The goodwill arising from the acquisition consists of revenue synergies expected from combining the operations of NCR and D3. It is expected that none of the goodwill recognized in connection with the acquisition will be deductible for tax purposes. The goodwill arising from the acquisition has been allocated to our Banking segment. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for the carrying amounts of goodwill by segment.

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	7	11
Technology - Software	11		5
Tradenames	2		7
Total acquired intangible assets	$	20

In connection with the closing of the acquisition, the Company incurred approximately $1 million of transaction costs, which has been included within Selling, general and administrative expenses in the Consolidated Statement of Operations for the year ended December 31, 2019.

The operating results of D3 have been included within NCR's results as of the closing date of the acquisition. Supplemental pro forma information and actual revenue and earnings since the acquisition date have not been provided as this acquisition did not have a material impact on the Company's Consolidated Statements of Operations.

Acquisition of Zynstra Ltd.

On December 21, 2019, NCR completed its acquisition of Zynstra, Ltd. (“Zynstra”), a leading provider of edge virtualization technology, for approximately $134 million, of which $112 million was paid in cash. In 2020, approximately $20 million was paid and the remaining $2 million was payable as of December 31, 2021. The Zynstra acquisition further expands our digital retail strategy as we further enhance our next generation store architecture. As a result of the acquisition, Zynstra became a wholly-owned subsidiary of NCR.

Recording of Assets Acquired and Liabilities Assumed The fair value of consideration transferred to acquire Zynstra was allocated to the identifiable assets acquired and liabilities assumed based upon their estimated fair values as of the date of the acquisition as set forth below.

The final allocation of the purchase price for Zynstra is as follows:


In millions	Fair Value
Cash acquired	$	1
Tangible assets acquired	1
Acquired intangible assets other than goodwill	76
Acquired goodwill	66
Deferred tax liability	(9)
Liabilities assumed	(1)
Total purchase consideration	$	134

Goodwill represents the future economic benefits arising from other assets acquired that could not be individually separately recognized. The goodwill arising from the acquisition consists of revenue and cost synergies expected from combining the operations of NCR and Zynstra. It is expected that none of the goodwill recognized in connection with the acquisition will be deductible for tax purposes. The goodwill arising from the acquisition has been allocated to our Retail segment. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for the carrying amounts of goodwill by segment.

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Technology - Software	$	75	8
Tradenames	1		1
Total acquired intangible assets	$	76

(1) Determination of the weighted average period of the individual categories of intangible assets was based on the nature of applicable intangible asset and the expected future cash flows to be derived from the intangible asset. Amortization of intangible assets with definite lives is recognized over the period of time the assets are expected to contribute to future cash flows.

In connection with the closing of the acquisition, the Company incurred approximately $2 million of transaction costs, which has been included within Selling, general and administrative expenses in the Consolidated Statement of Operations for the year ended December 31, 2019.

The operating results of Zynstra have been included within NCR's results as of the closing date of the acquisition. Supplemental pro forma information and actual revenue and earnings since the acquisition date have not been provided as this acquisition did not have a material impact on the Company's Consolidated Statements of Operations.

Other 2019 acquisitions

During the year ended December 31, 2019, the Company completed four acquisitions of local resellers in the hospitality industry for an aggregate purchase consideration of approximately $20 million, plus related acquisition costs. Approximately $2 million was withheld by the Company as a source of recovery for possible claims and payments under the related acquisition agreements and will be paid to the respective sellers pursuant to the terms of such agreements. Goodwill recognized related to these acquisitions was $17 million, all of which is expected to be deductible for tax purposes. The goodwill arising from these acquisitions has been allocated to the Hospitality segment. As a result of these acquisitions, NCR recorded $6 million related to identifiable intangible assets consisting primarily of customer relationships, which have a weighted-average amortization period of 8 years. Supplemental pro forma information and actual revenue and earnings since the acquisition dates have not been provided as these acquisitions did not have a material impact, individually or in the aggregate, on the Company's Consolidated Statements of Operations.

Employee Benefit Plans - Change in Benefit Obligation and Plan Assets, Funded Status, Amounts Recognized in Balance Sheet, and ABO in Excess of Plan Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amounts recognized in the Consolidated Balance Sheets
Noncurrent assets	$ 300	$ 199
Pension Plan [Member]
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation as of January 1	3,313	3,128
Net service cost	6	6	$ 7
Interest cost	42	64	85
Defined Benefit Plan, Benefit Obligation, Increase (Decrease) for Plan Amendment	(6)	5
Actuarial loss	(159)	254
Benefits paid	(177)	(217)
Plan participant contributions	0	1
Currency translation adjustments	(32)	72
Benefit obligation as of December 31	2,987	3,313	3,128
Accumulated benefit obligation as of December 31	2,977	3,302
Amounts recognized in the Consolidated Balance Sheets
Defined Benefit Plan, Benefit Obligation	(502)	(667)
Noncurrent assets	300	199
Current liabilities	(13)	(15)
Noncurrent liabilities	(789)	(851)
Net amounts recognized	(502)	(667)
Prior service cost	17	24
Total	17	24
Amounts recognized in the accumulated other comprehensive loss
Pension plans with accumulated benefit obligations in excess of plan assets, projected benefit obligation	2,151	2,366
Pension plans with accumulated benefit obligations in excess of plan assets, accumulated benefit obligation	2,149	2,363
Pension plans with accumulated benefit obligations in excess of plan assets, fair value of plan assets	1,382	1,531
U.S. Pension Benefits
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation as of January 1	2,067	1,954
Net service cost	0	0	0
Interest cost	34	51	66
Defined Benefit Plan, Benefit Obligation, Increase (Decrease) for Plan Amendment	0	0
Actuarial loss	(102)	168
Benefits paid	(117)	(106)
Plan participant contributions	0	0
Currency translation adjustments	0	0
Benefit obligation as of December 31	1,882	2,067	1,954
Accumulated benefit obligation as of December 31	1,882	2,067
Amounts recognized in the Consolidated Balance Sheets
Defined Benefit Plan, Benefit Obligation	(503)	(539)
Noncurrent assets	0	0
Current liabilities	0	0
Noncurrent liabilities	(503)	(539)
Net amounts recognized	(503)	(539)
Prior service cost	0	0
Total	$ 0	0
Amounts recognized in the accumulated other comprehensive loss
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Weighted-Average Interest Crediting Rate	1.10%
Foreign Plan [Member]
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation as of January 1	$ 1,246	1,174
Net service cost	6	6	7
Interest cost	8	13	19
Defined Benefit Plan, Benefit Obligation, Increase (Decrease) for Plan Amendment	(6)	5
Actuarial loss	(57)	86
Benefits paid	(60)	(111)
Plan participant contributions	0	1
Currency translation adjustments	(32)	72
Benefit obligation as of December 31	1,105	1,246	1,174
Accumulated benefit obligation as of December 31	1,095	1,235
Amounts recognized in the Consolidated Balance Sheets
Defined Benefit Plan, Benefit Obligation	1	(128)
Noncurrent assets	300	199
Current liabilities	(13)	(15)
Noncurrent liabilities	(286)	(312)
Net amounts recognized	1	(128)
Prior service cost	17	24
Total	17	24
Postretirement Benefits [Member]
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation as of January 1	16	17
Interest cost	0	0	1
Actuarial loss	(1)	0
Benefits paid	(1)	(1)
Plan participant contributions	0	0
Benefit obligation as of December 31	14	16	17
Amounts recognized in the Consolidated Balance Sheets
Defined Benefit Plan, Benefit Obligation	(14)	(16)
Current liabilities	(1)	(2)
Noncurrent liabilities	(13)	(14)
Net amounts recognized	(14)	(16)
Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), Gain (Loss), before Tax	5	6
Prior service cost	0	0
Total	5	6
Postemployment Benefit Plans Defined Benefit [Member]
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation as of January 1	138	126
Net service cost	24	42	31
Interest cost	2	3	3
Defined Benefit Plan, Benefit Obligation, Increase (Decrease) for Plan Amendment	0	(4)
Actuarial loss	7	7
Benefits paid	(26)	(39)
Currency translation adjustments	(7)	3
Benefit obligation as of December 31	138	138	$ 126
Amounts recognized in the Consolidated Balance Sheets
Defined Benefit Plan, Benefit Obligation	(138)	(138)
Current liabilities	(32)	(32)
Noncurrent liabilities	(106)	(106)
Net amounts recognized	(138)	(138)
Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), Gain (Loss), before Tax	(19)	(23)
Prior service cost	(6)	(8)
Total	$ (25)	$ (31)

Employee Benefit Plans - Savings Plan (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Contribution, U.S. Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Cost	$ 31	$ 32	$ 27
Defined Contribution, All Other Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Cost	$ 31	$ 25	$ 25

Description of Business and Significant Accounting Policies Remaining Performance Obligations (Details) $ in Billions	Dec. 31, 2021 USD ($)
Remaining Performance Obligations [Abstract]
Revenue, Remaining Performance Obligation, Amount	$ 3.7

Employee Stock Compensation Plans - Stock Options (Details) - USD ($) $ / shares in Units, shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate		0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price		$ 36.26
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]
Total unrecognized compensation	$ 21,000,000
Total unrecognized compensation cost, period of recognition	1 year
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value		$ 7.64
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate		1.34%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate		34.63%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term		3 years 8 months 12 days
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, Beginning balance, Shares Under Option (in shares)	9,798
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Net of Forfeitures	0
Vested, Shares Under Option (in shares)	(832)
Outstanding, Ending balance, Shares Under Option (in shares)	9,079	9,798
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period	(79)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Outstanding, Beginning balance, Weighted Average Exercise Price per Share (in dollars per share)	$ 32.82
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	0
Assumed through acquisitions (in dollars per share)	28.93
Vested, Weighted Average Exercise Price per Share (in dollars per share)	30.54
Outstanding, Ending balance, Weighted Average Exercise Price per Share (in dollars per share)	32.96	$ 32.82
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	$ 30.64
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding, Weighted Average Remaining Contratual Term (in years)	4 years 6 months 14 days
Outstanding, Aggregate Intrinsic Value	$ 65.69
Exercisable, Shares Under Option (in shares)	4,074
Exercisable, Weighted Average Exercise Price per Share (in dollars per share)	$ 31.82
Exercisable, Weighted Average Remaining Contractual Term (in years)	4 years 2 months 4 days
Exercisable, Aggregate Intrinsic Value	$ 34.13
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]
Fully vested and expected to vest, Shares Under Option (in shares)	4,987
Fully vested and expected to vest, Weighted Average Exercise Price per Share (in dollars per share)	$ 33.91
Fully vested and expected to vest, Weighted Average Remaining Contractual Term (in years)	4 years 9 months 29 days
Fully vested and expected to vest, Aggregate Intrinsic Value	$ 31.39
Total intrinsic value of all options exercised	192
Cash received from option exercises	$ 25,000,000	$ 2,000,000
Share-based Payment Arrangement, Exercise of Option, Tax Benefit	$ 1,000,000		$ 2,000,000
Total unrecognized compensation cost, period of recognition	7 months 6 days
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield	7 years
Stock Options [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]
Vesting period	1 year
Stock Options [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]
Vesting period	10 years
Amended Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]
Shares authorized (in shares)	10,000

Supplemental Financial Information Supplemental Financial Information - Property, Plant and Equipment (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Class of Stock [Line Items]
Property, Plant and Equipment, Gross	$ 1,505	$ 1,049
Finance Lease, Right-of-Use Asset, after Accumulated Amortization	62	55
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	(802)	(676)
Property, plant and equipment, net	703	373
Land and Land Improvements [Member]
Class of Stock [Line Items]
Property, Plant and Equipment, Gross	3	2
Building and Building Improvements [Member]
Class of Stock [Line Items]
Property, Plant and Equipment, Gross	298	279
Machinery and other equipment [Member]
Class of Stock [Line Items]
Property, Plant and Equipment, Gross	$ 1,142	$ 713

Consolidated Balance Sheets Parenthetical - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Series A preferred shares, par value	$ 0.01	$ 0.01
Series A preferred shares, shares authorized	3,000,000.0	3,000,000.0
Temporary Equity, Liquidation Preference	$ 276
Series A preferred shares, shares outstanding		300,000
Series A preferred shares, shares issued		300,000
Stockholders' Equity:
Preferred Stock, par value	$ 0.01	$ 0.01
Preferred Stock shares authorized	100,000,000.0	100,000,000.0
Preferred Stock shares issued	0	0
Preferred Stock shares outstanding	0	0
Common Stock par value	$ 0.01	$ 0.01
Common Stock shares authorized	500,000,000.0	500,000,000.0
Common Stock shares issued	132,200,000	129,100,000
Common Stock, Shares, Outstanding	132,200,000	129,100,000

Commitments and Contingencies Warranty Reserve (Tables)

12 Months Ended

Dec. 31, 2020

Product Warranty Liability [Line Items]

Schedule of Product Warranty Liability [Table Text Block]

The Company recorded the activity related to the warranty reserve for the years ended December 31 as follows:


In millions	2021		2020		2019
Warranty reserve liability
Beginning balance as of January 1	$	18	$	21	$	26
Accruals for warranties issued	28		30		37
Settlements (in cash or in kind)	(27)		(33)		(42)
Ending balance as of December 31	$	19	$	18	$	21

Business Combinations and Divestitures D3 Technology Details (Details) - D3 Technology [Member] $ in Millions	12 Months Ended
	Dec. 31, 2020 USD ($)
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net	$ 84
Business Combination, Cash Consideration Paid	83
Business Combination, Consideration Transferred, Liabilities Incurred	1
Business Acquisition, Transaction Costs	$ 1

Goodwill and Purchased Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2021

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The carrying amounts of goodwill by segment as of December 31, 2021, 2020, and 2019 are included in the tables below. Foreign currency fluctuations are included within other adjustments.


	December 31, 2020												December 31, 2021
In millions	Goodwill		Accumulated Impairment Losses		Total		Additions		Impairment		Other		Goodwill		Accumulated Impairment Losses		Total
Banking	$	1,772	$	(101)	$	1,671	$	1,639	$	—	$	—	$	3,411	$	(101)	$	3,310
Retail	643		(34)		609		37		—		(2)		678		(34)		644
Hospitality	404		(23)		381		11		—		(3)		412		(23)		389
T&T	187		(11)		176		—		—		—		187		(11)		176
Total goodwill	$	3,006	$	(169)	$	2,837	$	1,687	$	—	$	(5)	$	4,688	$	(169)	$	4,519


	December 31, 2019												December 31, 2020
In millions	Goodwill		Accumulated Impairment Losses		Total		Additions		Impairment		Other		Goodwill		Accumulated Impairment Losses		Total
Banking	$	1,774	$	(101)	$	1,673	$	—	$	—	$	(2)	$	1,772	$	(101)	$	1,671
Retail	638		(34)		604		—		—		5		643		(34)		609
Hospitality	402		(23)		379		1		—		1		404		(23)		381
T&T	187		(11)		176		—		—		—		187		(11)		176
Total goodwill	$	3,001	$	(169)	$	2,832	$	1	$	—	$	4	$	3,006	$	(169)	$	2,837

Schedule of Acquired Finite-Lived Intangible Assets by Major Class

NCR's purchased intangible assets, reported in Intangibles, net in the Consolidated Balance Sheets, were specifically identified when acquired, and are deemed to have finite lives. The gross carrying amount and accumulated amortization for NCR’s identifiable intangible assets were as set forth in the table below.


	Amortization Period (in Years)	December 31, 2021				December 31, 2020
In millions		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
Identifiable intangible assets
Reseller & customer relationships	1 - 20	$	1,126	$	(391)	$	740	$	(324)
Intellectual property	2 - 8	1,008		(474)		531		(418)
Customer contracts	8	89		(89)		89		(89)
Tradenames	1 - 10	130		(83)		77		(74)
Total identifiable intangible assets		$	2,353	$	(1,037)	$	1,437	$	(905)

Schedule of Expected Amortization Expense

The aggregate estimated amortization expense for identifiable intangible assets for the following periods is:


	For the years ended December 31 (estimated)
In millions	2022		2023		2024		2025		2026
Amortization expense	$	172	$	168	$	159	$	147	$	136

Supplemental Financial Information

12 Months Ended

Dec. 31, 2021

Supplemental Financial Information [Abstract]

Supplemental Financial Information

16. SUPPLEMENTAL FINANCIAL INFORMATION

The components of other income (expense), net are summarized as follows for the years ended December 31:


In millions	2021		2020		2019
Other income (expense), net
Interest income	$	8	$	8	$	5
Foreign currency fluctuations and foreign exchange contracts	(22)		(14)		(23)
Employee benefit plans(1)	131		(31)		(82)
Bank-related fees	(27)		(5)		(7)
Gain on equity liquidations	—		—		37
Impairment of equity investment	—		(7)		—
Bargain purchase gain on acquisition	—		7		—
Other, net	—		—		(3)
Total other income (expense), net	$	90	$	(42)	$	(73)

(1) Actuarial gain related to the remeasurement of our pension plan assets and liabilities was $118 million for the fourth quarter ended and year ended December 31, 2021.

The components of accounts receivable are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Accounts receivable
Trade	$	939	$	1,120
Other	44		48
Accounts receivable, gross	983		1,168
Less: allowance for credit losses	(24)		(51)
Total accounts receivable, net	$	959	$	1,117

The components of inventory are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Inventories
Work in process and raw materials	$	184	$	133
Finished goods	185		135
Service parts	385		333
Total inventories	$	754	$	601

The components of property, plant and equipment, net are summarized as follows:


In millions	December 31, 2021		December 31, 2020
Property, plant and equipment
Land and improvements	$	3	$	2
Buildings and improvements	298		279
Machinery and other equipment	1,142		713
Finance lease assets	62		55
Property, plant and equipment, gross	1,505		1,049
Less: accumulated depreciation	(802)		(676)
Total property, plant and equipment, net	$	703	$	373

Employee Stock Compensation Plans - Other Share-based Plans (Details) - USD ($) $ / shares in Units, $ in Millions		12 Months Ended
	Sep. 22, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of shares vested and distributed		$ 119	$ 74	$ 78
Total unrecognized compensation		$ 21
Total unrecognized compensation cost, period of recognition		1 year
Shares granted, Weighted Average Grant-Date Fair Value per Share (in dollars per share)			$ 26.50	$ 24.31
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate			0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate			1.34%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate			34.63%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value			$ 7.64
Restricted stock units granted September 22, 2021
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, Nonvested, Weighted Average Grant Date Fair Value		$ 51.02
Employee Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employees purchased		$ 26	$ 21	$ 18
Shares authorized (in shares)		4,000,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of all options exercised		$ 9	$ 1	$ 1
Shares remain unissued (in shares)		6,800,000
Total unrecognized compensation cost, period of recognition		7 months 6 days
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield		7 years
Performance Shares [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, Nonvested, Weighted Average Grant Date Fair Value		$ 47.20
Performance Shares [Member] \| Restricted stock units granted September 22, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	0.47%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	58.47%
Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions, Volatility Rate Term		3 years
Performance Shares [Member] \| Restricted stock units granted February 23, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate		0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate		0.10%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate		57.20%
Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions, Volatility Rate Term		3 years

Description of Business and Significant Accounting Policies Cash and Cash Equivalents (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Research and Development [Abstract]
Cash and Cash Equivalents	$ 447	$ 338	$ 509
Restricted Cash included in other assets	7	9	7
Funds Held for Clients included in other current assets	48	44	32
Cash included in settlement processing assets included in other current assets	247	15	15
Cash, Cash Equivalents, Restricted Cash at end of period	$ 749	$ 406	$ 563

Accumulated Other Comprehensive Income (Loss) (AOCI) (Tables)

12 Months Ended

Dec. 31, 2021

Statement of Financial Position [Abstract]

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

Changes in Accumulated Other Comprehensive Income (“AOCI”) by Component

The changes in AOCI for the years ended December 31 are as follows:


In millions	Currency Translation Adjustments		Changes in Employee Benefit Plans		Changes in Fair Value of Effective Cash Flow Hedges		Total





Balance at December 31, 2018	$	(234)	$	(14)	$	2	$	(246)
Other comprehensive (loss) income before reclassifications	(26)		10		5		(11)
Amounts reclassified from AOCI	—		(6)		(6)		(12)
Net current period other comprehensive (loss) income	(26)		4		(1)		(23)
Balance at December 31, 2019	$	(260)	$	(10)	$	1	$	(269)
Other comprehensive (loss) income before reclassifications	15		(11)		(7)		(3)
Amounts reclassified from AOCI	—		(5)		6		1
Net current period other comprehensive (loss) income	15		(16)		(1)		(2)
Balance at December 31, 2020	$	(245)	$	(26)	$	—	$	(271)
Other comprehensive (loss) income before reclassifications	(30)		4		7		(19)
Amounts reclassified from AOCI	—		(2)		1		(1)
Net current period other comprehensive (loss) income	(30)		2		8		(20)
Balance at December 31, 2021	$	(275)	$	(24)	$	8	$	(291)

Schedule of Reclassifications Out of Accumulated Other Comprehensive Income [Table Text Block]


		For the year ended December 31, 2021
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	1	$	1
	Cost of services	—		(2)		—		(2)
	Selling, general and administrative expenses	(1)		—		—		(1)
	Research and development expenses	—		1		—		1

	Total before tax	$	(1)	$	(1)	$	1	$	(1)
	Tax expense							—
	Total reclassifications, net of tax							$	(1)


		For the year ended December 31, 2020
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	7	$	7
	Cost of services	(2)		(2)		—		(4)
	Selling, general and administrative expenses	(1)		(2)		—		(3)
	Research and development expenses	—		—		—		—
	Total before tax	$	(3)	$	(4)	$	7	$	—
	Tax expense							1
	Total reclassifications, net of tax							$	1


		For the year ended December 31, 2019
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	(8)	$	(8)
	Cost of services	(2)		(3)		—		(5)
	Selling, general and administrative expenses	(1)		(3)		—		(4)
	Research and development expenses	—		—		—		—
	Total before tax	$	(3)	$	(6)	$	(8)	$	(17)
	Tax expense							5
	Total reclassifications, net of tax							$	(12)

Employee Benefit Plans - Change in Plan Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Foreign Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Amount	$ 1,106	$ 1,118	$ 1,058
Defined Benefit Plan, Plan Assets, Increase (Decrease) for Actual Return (Loss)	47	99
Company contributions	17	19
Defined Benefit Plan, Benefit Obligation, Benefits Paid	(60)	(111)
Defined Benefit Plan, Plan Assets, Foreign Currency Translation Gain (Loss)	(16)	53
Plan participant contributions	0	0
U.S. Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Amount	1,379	1,528	1,377
Defined Benefit Plan, Plan Assets, Increase (Decrease) for Actual Return (Loss)	(32)	187
Company contributions	0	70
Defined Benefit Plan, Benefit Obligation, Benefits Paid	(117)	(106)
Defined Benefit Plan, Plan Assets, Foreign Currency Translation Gain (Loss)	0	0
Plan participant contributions	0	0
Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Amount	2,485	2,646	$ 2,435
Defined Benefit Plan, Plan Assets, Increase (Decrease) for Actual Return (Loss)	15	286
Company contributions	17	89
Defined Benefit Plan, Benefit Obligation, Benefits Paid	(177)	(217)
Defined Benefit Plan, Plan Assets, Foreign Currency Translation Gain (Loss)	(16)	53
Plan participant contributions	$ 0	$ 0

Series A Preferred Stock (Notes)	12 Months Ended
Series A Preferred Stock (Notes)	Dec. 31, 2021
Series A Preferred Stock [Abstract]
Preferred Stock [Text Block]	12. SERIES A PREFERRED STOCK On December 4, 2015, NCR issued 820,000 shares of Series A Convertible Preferred Stock to certain entities affiliated with the Blackstone Group L.P. (collectively, “Blackstone”) for an aggregate purchase price of $820 million, or $1,000 per share, pursuant to an Investment Agreement between the Company and Blackstone dated November 11, 2015. In connection with the issuance of the Series A Convertible Preferred Stock, the Company incurred direct and incremental expenses of $26 million, including financial advisory fees, closing costs, legal expenses and other offering-related expenses. These direct and incremental expenses originally reduced the Series A Convertible Preferred Stock, and will be accreted through retained earnings as a deemed dividend from the date of issuance through the first possible known redemption date, March 16, 2024. In 2017, in connection with the early release of the lock-up included in the Investment Agreement, Blackstone offered for sale 342,000 shares of Series A Convertible Preferred Stock in an underwritten public offering. In addition, Blackstone converted 90,000 shares of Series A Convertible Preferred Stock into shares of our common stock and we repurchased those shares of common stock for $48.47 per share. The underwritten offering and the stock repurchase were consummated on March 17, 2017. On September 18, 2019, NCR entered into an agreement to repurchase and convert the outstanding 512,221 shares of Series A Convertible Preferred Stock owned by Blackstone. NCR repurchased 237,673 shares of Series A Convertible Preferred Stock for total cash consideration of $302 million. The remaining shares of Blackstone's Series A Convertible Preferred Stock, including accrued dividends, were converted to approximately 9.16 million shares of common stock at a conversion price of $30.00 per share. For the repurchase of Series A Convertible Preferred Stock, the excess of the fair value of consideration transferred over the carrying value was approximately $67 million, and has been included as a deemed dividend in adjusting the income from common stockholders in calculating earnings per share. In this analysis, we determined the fair value of the consideration transferred was not in excess of the fair value of the redeemed Series A Convertible Preferred Stock. As a result, there was no inducement provided to Blackstone for the conversion of the remaining preferred shares into common stock. On October 6, 2020, NCR entered into a definitive agreement to repurchase 67,000 shares of Series A Convertible Preferred Stock from two affiliated shareholders for a total cash consideration of $72 million. The transaction closed on October 7, 2020. On October 12, 2020, NCR entered into a definitive agreement to repurchase 65,365 shares of Series A Convertible Preferred Stock owned by two affiliated shareholders for a total cash consideration of $72 million. The transaction closed on October 13, 2020. The excess of the fair value of consideration transferred over the carrying value was approximately $12 million, and has been included as a deemed dividend in adjusting the income from common stockholders in calculating earnings per share. Dividend Rights The Series A Convertible Preferred Stock ranks senior to the shares of the Company’s common stock, with respect to dividend rights and rights on the distribution of assets on any voluntary or involuntary liquidation, dissolution or winding up of the affairs of the Company. The Series A Convertible Preferred Stock has a liquidation preference of $1,000 per share. Holders of Series A Convertible Preferred Stock are entitled to a cumulative dividend at the rate of 5.5% per annum, payable quarterly in arrears. Beginning in the first quarter of 2020, dividends are payable in cash or in-kind at the option of the Company. If the Company does not declare and pay a dividend, the dividend rate will increase to 8.0% per annum until all accrued but unpaid dividends have been paid in full. During the year ended December 31, 2021 the Company did not pay dividends-in-kind associated with the Series A Convertible Preferred Stock. During the years ended December 31 2020 and 2019, the Company paid dividends-in-kind of $10 million and $43 million respectively, associated with the Series A Convertible Preferred Stock. Cash dividends of $15 million and $9 million were declared during the years ended December 31, 2021 and December 31, 2020, respectively, and there were no cash dividends during the year ended December 31, 2019. Conversion Features The Series A Convertible Preferred Stock is convertible at the option of the holders at any time into shares of common stock at a conversion price of $30.00 per share, or a conversion rate of 33.333 shares of common stock per share of Series A Convertible Preferred Stock. As of December 31, 2021 and 2020, the maximum number of common shares that could be required to be issued upon conversion of the outstanding shares of Series A Convertible Preferred Stock was 9.2 million shares, respectively. The conversion rate is subject to the following customary anti-dilution and other adjustments: •the issuance of common stock as a dividend or the subdivision, combination, or reclassification of common stock into a greater or lesser number of shares of common stock; •the dividend, distribution or other issuance of rights, options or warrants to holders of Common Stock entitling them to subscribe for or purchase shares of common stock at a price per share that is less than the volume-weighted average price per share of common stock; •the completion of a tender offer or exchange offer of shares of common stock at a premium to the volume-weighted average price per share of common stock and certain other above-market purchases of common stock; •the issuance of a dividend or similar distribution in-kind, which can include shares of any class of capital stock, evidences of the Company's indebtedness, assets or other property or securities, to holders of common stock; •a transaction in which a subsidiary of the Company ceases to be a subsidiary of the Company as a result of the distribution of the equity interests of the subsidiary to the holders of the Company’s common stock; and •the payment of a cash dividend to the holders of common stock. At any time after December 4, 2018, all outstanding shares of Series A Convertible Preferred Stock are convertible at the option of the Company if the volume-weighted average price of the common stock exceeds $54.00 for at least 30 trading days in any period of 45 consecutive trading days. The $54.00 may be adjusted pursuant to the anti-dilution provisions above. The Series A Convertible Preferred Stock, and the associated dividends for the first sixteen payments, did not generate a beneficial conversion feature (“BCF”) upon issuance as the fair value of the Company's common stock was greater than the conversion price. The Company will determine and, if required, measure a BCF based on the fair value of our stock price on the date dividends are declared subsequent to the sixteenth dividend. If a BCF is recognized, a reduction to retained earnings and the Series A Convertible Preferred Stock will be recorded, and then subsequently accreted through the first redemption date. Additionally, the Company determined that the nature of the Series A Convertible Preferred Stock was more akin to an equity instrument and that the economic characteristics and risks of the embedded conversion options were clearly and closely related to the Series A Convertible Preferred Stock. As such, the conversion options were not required to be bifurcated from the host under ASC 815, Derivatives and Hedging. Redemption Rights On any date during the three months commencing on and immediately following March 16, 2024 and the three months commencing on and immediately following every third anniversary of March 16, 2024, holders of Series A Convertible Preferred Stock have the right to require the Company to repurchase all or any portion of the Series A Convertible Preferred Stock at 100% of the liquidation preference thereof plus all accrued but unpaid dividends. Upon certain change of control events involving the Company, holders of Series A Convertible Preferred Stock can require the Company to repurchase, subject to certain exceptions, all or any portion of the Series A Convertible Preferred Stock at the greater of (1) an amount in cash equal to 100% of the liquidation preference thereof plus all accrued but unpaid dividends and (2) the consideration the holders would have received if they had converted their shares of Series A Convertible Preferred Stock into common stock immediately prior to the change of control event. The Company has the right, upon certain change of control events involving the Company, to redeem the Series A Convertible Preferred Stock at the greater of (1) an amount in cash equal to the sum of the liquidation preference of the Series A Convertible Preferred Stock, all accrued but unpaid dividends and the present value, discounted at a rate of 10%, of any remaining scheduled dividends through the fifth anniversary of the first dividend payment date, assuming the Company chose to pay such dividends in cash (the “make-whole provision”) and (2) the consideration the holders would have received if they had converted their shares of Series A Convertible Preferred Stock into common stock immediately prior to the change of control event. Since the redemption of the Series A Convertible Preferred Stock is contingently or optionally redeemable and therefore not certain to occur, the Series A Convertible Preferred Stock is not required to be classified as a liability under ASC 480, Distinguishing Liabilities from Equity. As the Series A Convertible Preferred Stock is redeemable in certain circumstances at the option of the holder and is redeemable in certain circumstances upon the occurrence of an event that is not solely within our control, we have classified the Series A Convertible Preferred Stock in mezzanine equity in the Consolidated Balance Sheets. As noted above, the Company determined that the nature of the Series A Convertible Preferred Stock was more akin to an equity instrument. However, the Company determined that the economic characteristics and risks of the embedded put options, call option and make-whole provision were not clearly and closely related to the Series A Convertible Preferred Stock. Therefore, the Company assessed the put and call options further, and determined they did not meet the definition of a derivative under ASC 815, Derivatives and Hedging. Under the same analysis, the Company determined the make-whole provision did meet the definition of a derivative, but that the value of the derivative was minimal due to the expectations surrounding the scenarios under which the call option and make-whole provision would be exercised. Voting Rights Holders of Series A Convertible Preferred Stock are entitled to vote with the holders of the common stock on an as-converted basis. Holders of Series A Convertible Preferred Stock are entitled to a separate class vote with respect to amendments to the Company’s organizational documents that have an adverse effect on the Series A Convertible Preferred Stock and issuances by the Company of securities that are senior to, or equal in priority with, the Series A Convertible Preferred Stock.

Fair Value of Assets and Liabilities Assets Measured at Fair Value on a Non-recurring basis (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset Impairment Charges	$ 24	$ 46	$ 2
Goodwill and Intangible Asset Impairment	$ 0	$ 0

Derivatives and Hedging Instruments - Derivative Fair Values (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Derivative Assets, Fair Value	$ 19	$ 0
Derivative Liabilities, Fair Value	1	1
Derivatives designated as hedging instrument [Member]
Derivatives, Fair Value [Line Items]
Derivative Assets, Fair Value	18	0
Derivative Liabilities, Fair Value	0	0
Derivatives not designated as hedging instrument [Member]
Derivatives, Fair Value [Line Items]
Derivative Assets, Fair Value	1	0
Derivative Liabilities, Fair Value	1	1
Derivatives not designated as hedging instrument [Member] \| Other current assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Assets, Fair Value		0
Interest Rate Swap [Member] \| Derivatives designated as hedging instrument [Member] \| Other current liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liabilities, Fair Value		0
Foreign Exchange Contract [Member] \| Derivatives designated as hedging instrument [Member] \| Other current assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount		0
Derivative Assets, Fair Value		0
Foreign Exchange Contract [Member] \| Derivatives designated as hedging instrument [Member] \| Other current liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liabilities, Fair Value		0
Foreign Exchange Contract [Member] \| Derivatives not designated as hedging instrument [Member] \| Other current assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	278	150
Derivative Assets, Fair Value	1
Foreign Exchange Contract [Member] \| Derivatives not designated as hedging instrument [Member] \| Other current liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	396	425
Derivative Liabilities, Fair Value	1	$ 1
Interest Rate Contract \| Derivatives designated as hedging instrument [Member] \| Other Assets
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	2,000
Derivative Assets, Fair Value	18
Interest Rate Contract \| Derivatives designated as hedging instrument [Member] \| Other Liabilities
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	0
Derivative Liabilities, Fair Value	$ 0

Business Combinations and Divestitures Schedule of Business Acquisitions, by Acquisition - Zynstra (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Business Acquisition [Line Items]
Goodwill	$ 4,519	$ 2,837	$ 2,832
Zynstra Ltd. [Member]
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents		1
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets		1
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill		76
Goodwill		66
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Liabilities		9
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities		1
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net		$ 134

Goodwill and Purchased Intangible Assets

12 Months Ended

Dec. 31, 2021

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Purchased Intangible Assets

2. GOODWILL AND PURCHASED INTANGIBLE ASSETS

Goodwill by Segment The carrying amounts of goodwill by segment as of December 31, 2021, 2020, and 2019 are included in the tables below. Foreign currency fluctuations are included within other adjustments.


	December 31, 2020												December 31, 2021
In millions	Goodwill		Accumulated Impairment Losses		Total		Additions		Impairment		Other		Goodwill		Accumulated Impairment Losses		Total
Banking	$	1,772	$	(101)	$	1,671	$	1,639	$	—	$	—	$	3,411	$	(101)	$	3,310
Retail	643		(34)		609		37		—		(2)		678		(34)		644
Hospitality	404		(23)		381		11		—		(3)		412		(23)		389
T&T	187		(11)		176		—		—		—		187		(11)		176
Total goodwill	$	3,006	$	(169)	$	2,837	$	1,687	$	—	$	(5)	$	4,688	$	(169)	$	4,519


	December 31, 2019												December 31, 2020
In millions	Goodwill		Accumulated Impairment Losses		Total		Additions		Impairment		Other		Goodwill		Accumulated Impairment Losses		Total
Banking	$	1,774	$	(101)	$	1,673	$	—	$	—	$	(2)	$	1,772	$	(101)	$	1,671
Retail	638		(34)		604		—		—		5		643		(34)		609
Hospitality	402		(23)		379		1		—		1		404		(23)		381
T&T	187		(11)		176		—		—		—		187		(11)		176
Total goodwill	$	3,001	$	(169)	$	2,832	$	1	$	—	$	4	$	3,006	$	(169)	$	2,837

As discussed in Note 1, “Basis of Presentation and Significant Accounting Policies”, NCR completed the annual goodwill impairment test during the fourth quarter of 2021. The Company elected to perform a qualitative assessment for the Banking, Retail, Hospitality, and Telecommunications & Technology (“T&T”) reporting units. This assessment included consideration of the impacts of the COVID-19 pandemic to the current year cash flows, the potential impacts to future cash flows as well as the excess of the fair value over the carrying value from the prior year annual assessment. Based on the qualitative assessments completed, it was determined that the fair value of the Banking, Retail, Hospitality, and T&T reporting units were substantially in excess of the carrying value. However, if the actual results differ from our expectations for any of our reporting units, there is a possibility we would have to perform an interim impairment test in 2022, which could lead to an impairment of goodwill or other assets.

Identifiable Intangible Assets NCR's purchased intangible assets, reported in Intangibles, net in the Consolidated Balance Sheets, were specifically identified when acquired, and are deemed to have finite lives. The gross carrying amount and accumulated amortization for NCR’s identifiable intangible assets were as set forth in the table below.


	Amortization Period (in Years)	December 31, 2021				December 31, 2020
In millions		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
Identifiable intangible assets
Reseller & customer relationships	1 - 20	$	1,126	$	(391)	$	740	$	(324)
Intellectual property	2 - 8	1,008		(474)		531		(418)
Customer contracts	8	89		(89)		89		(89)
Tradenames	1 - 10	130		(83)		77		(74)
Total identifiable intangible assets		$	2,353	$	(1,037)	$	1,437	$	(905)

Amortization expense related to identifiable intangible assets was $132 million and $81 million for the years ended December 31, 2021 and 2020, respectively. The aggregate estimated amortization expense for identifiable intangible assets for the following periods is:


	For the years ended December 31 (estimated)
In millions	2022		2023		2024		2025		2026
Amortization expense	$	172	$	168	$	159	$	147	$	136

Description of Business and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Description of Business and Significant Accounting Policies [Abstract]
Use of Estimates [Policy Text Block]	Use of Estimates The preparation of financial statements in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”) requires management to make estimates and judgments that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and revenue and expenses during the periods reported. Although our estimates contemplate current and expected future conditions, as applicable, it is reasonably possible that actual conditions could differ from our expectations, which could materially affect our results of operations and financial position. In particular, a number of estimates have been and will continue to be affected by the ongoing novel coronavirus (“COVID-19”) pandemic. The ultimate impact on our overall financial condition and operating results will depend on the currently unknowable duration and severity of the pandemic, supply chain challenges and cost escalations including materials, labor and freight, and any additional governmental and public actions taken in response. As a result, our accounting estimates and assumptions may change over time as a consequence of the effects of COVID-19. Such changes could result in future impairments of goodwill, intangible assets, long-lived assets, incremental credit losses on accounts receivable and decreases in the carrying amount of our tax assets.
Subsequent Events, Policy	Subsequent Events The Company evaluated subsequent events through the date that our Consolidated Financial Statements were issued. Other than the items discussed below and within the Notes to Consolidated Financial Statements, no matters were identified that required adjustment of the Consolidated Financial Statements or additional disclosure. Change in reportable segments Effective January 1, 2022, the Company realigned its reportable segments to correspond with changes to its operating model, management structure and organizational responsibilities. The reportable segments effective January 1, 2022 include: Payments & Network; Digital Banking, Self-Service Banking, Retail, and Hospitality. Additionally, effective January 1, 2022, the Company manages Corporate & Other, which includes income and expense that are not specifically attributable to an individual reportable segment and thus will be reflected only in consolidated results, as well as our Telecommunications & Technology business, an immaterial operating segment. Completed acquisition of LibertyX On January 5, 2022, NCR completed its acquisition of Moon Inc. dba LibertyX, for which we purchased all outstanding shares for approximately 1.4 million shares of the Company's common stock and as a result LibertyX will become a wholly-owned subsidiary of NCR in the first quarter of 2022. LibertyX is a leading cryptocurrency software provider. The initial accounting for the business combination is incomplete as a result of the timing of the acquisition. Executed interest rate swap contract On January 18, 2022, the Company entered into an interest rate swap contract to hedge its exposure on variable interest rates on vault cash rental obligations. The swap was implemented at a notional value of $250 million and protects the Company against potential interest rate fluctuations in line with our interest rate risk management strategy outlined in Note 13, “Derivatives and Hedging Instruments”.
Basis of Consolidation [Policy Text Block]	Basis of Consolidation The consolidated financial statements include the accounts of NCR and its majority-owned subsidiaries. Long-term investments in affiliated companies in which NCR owns between 20% and 50%, and therefore, exercises significant influence, but which it does not control, are accounted for using the equity method. Investments in which NCR does not exercise significant influence (generally, when NCR has an investment of less than 20% and no significant influence, such as representation on the investee’s board of directors) are accounted for using the cost method. All significant inter-company transactions and accounts have been eliminated. In addition, the Company is required to determine whether it is the primary beneficiary of economic income or losses that may be generated by variable interest entities in which the Company has such an interest. In circumstances where the Company determined it is the primary beneficiary, consolidation of that entity would be required. For the periods presented, no variable interest entities have been consolidated.
Revenue Recognition [Policy Text Block]	The Company records revenue, net of sales tax, when the following five steps have been completed: •Identification of the contract(s) with a customer •Identification of the performance obligation(s) in the contract •Determination of the transaction price •Allocation of the transaction price to the performance obligations in the contract •Recognition of revenue when, or as, we satisfy performance obligations The Company records revenue when, or as, performance obligations are satisfied by transferring control of a promised good or service to the customer, in an amount that reflects the consideration we expect to be entitled to in exchange for products and services. The Company evaluates the transfer of control primarily from the customer’s perspective where the customer has the ability to direct the use of and obtain substantially all of the remaining benefits from that good or service. The Company does not adjust the transaction price for taxes collected from customers, as those amounts are netted against amounts remitted to government authorities. NCR enters contracts that include multiple distinct performance obligations, including hardware, software, professional consulting and managed services, payment processing services, installation services and maintenance support services. A promise to a customer is considered distinct when the product or service is both capable of being distinct, and distinct in the context of the contract. For these arrangements, the Company allocates the transaction price, at contract inception, to each distinct performance obligation on a relative standalone selling price basis. The primary method used to estimate standalone selling price is the price that the Company charges for that good or service when the Company sells it separately in similar circumstances to similar customers. For hardware products, control is generally transferred when the customer has the ability to direct the use of and obtain substantially all of the remaining benefits of the products, which generally coincides with when the customer has assumed title and risk of loss of the goods sold. In certain instances, customer acceptance is required prior to the passage of title and risk of loss of the delivered products. In such cases, revenue is not recognized until the customer acceptance is obtained. Delivery, acceptance, and transfer of title and risk of loss generally occur in the same reporting period. NCR's customers may request that delivery and passage of title and risk of loss occur on a bill and hold basis. For the period ending December 31, 2021 and 2020, the revenue recognized from bill and hold transactions was less than 1% of total revenue in both years. Hardware products may also be a performance obligation when included in an As-a-service package sold with software and services. In instances when hardware is a performance obligation, title is not transferred to the customer and revenue is recognized in accordance with the lease accounting standard and depending on the terms and conditions included in the contract may be either sales-type leases or operating leases. Revenue from hardware sales-type leases is recognized at the beginning of the lease term and revenue from operating leases is recognized on a straight-line basis over the term of the contract. Software products may be sold as perpetual licenses, term-based licenses, cloud-enabled and software as a service (“SaaS”). Perpetual license revenue is recognized at a point in time when control transfers to the customer and is reported within product revenue. Control is typically transferred when the customer takes possession of, or has access to, the software. Term-based license revenue is recognized at a point in time upon the commencement of the committed term of the contract, concurrent with the possession of the license, and reported within product revenue. The committed term of the contract is typically one month to one year due to customer termination rights. If the amount of consideration the Company expects to be paid in exchange for the licenses depends on customer usage, revenue is recognized when the usage occurs. Software as a service primarily consists of fees to provide our customers access to our platform and cloud-based applications for a specified contract term. Revenue from SaaS contracts is recognized as variable consideration directly allocated based on customer usage or on a ratable basis over the contract term beginning on the date that our service is made available to the customer. SaaS is reported as part of our services revenue. The Company sells some product solutions that include a combination of cloud-enabled and on-premise term-based software licenses for a specified contract term. Significant judgment is required to determine if the products and services represent distinct promises to the customer or if they should be combined into one performance obligation. When they are combined into one performance obligation, revenue is recognized ratably over the contract term for which the service is provided. In addition to SaaS, our services revenue includes professional consulting, payment processing revenue, managed services, installation and maintenance support. Professional consulting primarily consists of software implementation, integration, customization and optimization services. Revenue from professional consulting contracts is recognized when the services are completed or customer acceptance of the service is received, if required. For installation and maintenance, control is transferred as the services are provided or ratably over the service period, or, if applicable, after customer acceptance of the service. For recurring services that we perform over a contract term, we analyze if the services are performed evenly throughout the term for fixed consideration. If so, we ratably recognize the corresponding consideration over the committed term. Otherwise, we apply the ‘as invoiced’ practical expedient, for performance obligations satisfied over time, if the amount we may invoice corresponds directly with the value to the customer of the Company’s performance to date. This expedient permits us to recognize revenue in the amount we invoice the customer. Payment processing revenue includes surcharge and other fees paid by cardholders and/or the cardholder’s financial institutions for the use processing services. Surcharge revenues are recognized daily as the associated transactions are processed. In addition, relative to ATM transactions, the Company typically receives a majority of the interchange fee paid by the cardholder’s financial institution, net of the amount retained by the payment network, and recognizes the net amount received from the network as revenue. Relative to credit card processing, revenue is comprised of fees charged to the Company's customers, net of interchange fees and assessments charged by the credit card associations and payment networks, which are pass-through charges collected on behalf of the card issuers and payment networks. Under our managed service agreements, the Company provides various forms of services, including monitoring, cash management, cash delivery, customer service, on-screen advertising, processing and other services, under one contract package. The Company typically receives a monthly service fee, fee per transaction, or fee per service provided in return for providing the agreed-upon services. The managed services fees are recognized as the related services are provided to the customers. The Company also recognizes revenue related to branding arrangements and providing access to the Company’s surcharge-free network and equipment. Customers may be charged on a per transaction basis or a fixed monthly fee. Under these arrangements, the Company is providing a series of distinct services with similar patterns of transfer to the customer. As a result, these arrangements create performance obligations that are satisfied over-time for which the Company has a right to consideration that corresponds directly with the value of the Company’s performance completed to date. In conjunction with these arrangements, the Company recognizes revenue in the amount that it has a right to receive using the 'as invoiced' practical expedient described above. Revenues are generally recognized on a ratable basis over the contract term beginning on the date that our service is made available to the customer, except for transaction-based fee arrangements which are recognized daily as the transactions are processed. Any up-front fees associated with these arrangements are recognized ratably over the life of the arrangement. The nature of our arrangements gives rise to several types of variable consideration including service level agreement credits, stock rotation rights, trade-in credits and volume-based rebates. At contract inception, we include this variable consideration in our transaction price when there is a basis to reasonably estimate the amount of the fee and it is probable there will not be a significant reversal. These estimates are generally made using the expected value method and a portfolio approach, based on historical experience, anticipated performance and our best judgment at the time. These estimates are reassessed at each reporting date. Because of our confidence in estimating these amounts, they are included in the transaction price of our contracts and the associated remaining performance obligations. Payment terms with our customers are established based on industry and regional practices and generally do not exceed 30 days. We do not typically include extended payment terms in our contracts with customers. As a practical expedient, we do not adjust the promised amount of consideration for the effects of a significant financing component when we expect, at contract inception, that the period between our transfer of a promised product or service to a customer and when the customer pays for that product or service will be one year or less. If the period between transfer of the promised product or service and payment is more than one year, the Company analyzes whether a significant financing component is present. If so, the Company adjusts the total consideration to reflect the significant financing component. We account for shipping and handling activities related to contracts with customers as costs to fulfill our promise to transfer the associated products, rather than as a separate performance obligation. Accordingly, we record amounts billed for shipping and handling costs as a component of net product sales, and classify such costs as a component of cost of products. In addition to the standard product warranty, the Company periodically offers extended warranties to its customers in the form of product maintenance services. For maintenance contracts that have been combined with product contracts under the revenue guidance, the Company defers revenue at an amount based on the relative standalone selling price allocation, and recognizes the deferred revenue over the service term. For non-combined maintenance contracts, NCR defers the stated amount of the separately priced service and recognizes the deferred revenue over the service term. Remaining Performance Obligations Remaining performance obligations represent the transaction price of contracts for which products have not been delivered or services have not been performed. As of December 31, 2021, the aggregate amount of the transaction price allocated to remaining performance obligations was approximately $3.7 billion. The Company expects to recognize revenue on approximately three-quarters of the remaining performance obligations over the next 12 months, with the remainder recognized thereafter. The majority of our professional services are expected to be recognized over the next 12 months, but this is contingent upon a number of factors, including customers’ needs and schedules. The Company has made three elections which affect the value of remaining performance obligations described above. We do not disclose remaining performance obligations for contracts where variable consideration is directly allocated based on usage or when the original expected duration is one year or less. Additionally, we do not disclose remaining performance obligations for contracts where we recognize revenue from the satisfaction of the performance obligation in accordance with the 'right to invoice' practical expedient.
Warranty and Sales Returns [Policy Text Block]	Warranty and Sales Returns Provisions for product warranties and sales returns and allowances are recorded in the period in which NCR becomes obligated to honor the related right, which generally is the period in which the related product revenue is recognized. The Company accrues warranty reserves based upon historical factors such as labor rates, average repair time, travel time, number of service calls per machine and cost of replacement parts. When a sale is consummated, a warranty reserve is recorded based upon the estimated cost to provide the service over the warranty period. The Company accrues sales returns and allowances using percentages of revenue to reflect the Company’s historical average of sales return claims.
Research and Development Costs [Policy Text Block]	Research and Development Costs Research and development costs primarily include payroll and benefit-related costs, contractor fees, facilities costs, infrastructure costs, and administrative expenses directly related to research and development support and are expensed as incurred, except certain software development costs are capitalized after technological feasibility of the software is established.
Advertising [Policy Text Block]	Advertising Advertising costs are recognized in selling, general and administrative expenses when incurred.
Stock Compensation [Policy Text Block]	Stock-based Compensation Stock-based compensation represents the costs related to share-based awards granted to employees and non-employee directors. The Company’s outstanding stock-based compensation awards are classified as equity. The Company measures stock-based compensation cost at the grant date, based on the estimated fair value of the award and recognizes the cost over the requisite service period. Forfeitures are recognized as they occur. See Note 8, “Stock Compensation Plans”, for further information on NCR’s stock-based compensation plans.
Income Taxes [Policy Text Block]	Income Taxes Income tax expense is provided based on income before income taxes. Deferred income taxes reflect the impact of temporary differences between assets and liabilities recognized for financial reporting purposes and such amounts recognized for tax purposes. These deferred taxes are determined based on the enacted tax rates expected to apply in the periods in which the deferred assets or liabilities are expected to be settled or realized. NCR records valuation allowances related to its deferred income tax assets when it is more likely than not that some portion or all of the deferred income tax assets will not be realized. The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from such a position are measured based on the largest benefit that has a greater than fifty percent likelihood of being sustained upon examination by authorities. Interest and penalties related to uncertain tax positions are recognized as part of the provision for income taxes and are accrued beginning in the period that such interest and penalties would be applicable under relevant tax law and until such time that the related tax benefits are recognized.
Earnings Per Share	Basic earnings per share (“EPS”) is calculated by dividing net income or loss attributable to NCR, less any dividends (declared or cumulative undeclared), deemed dividends, accretion or decretion, redemption or induced conversion on our Series A Convertible Preferred Stock, by the weighted average number of shares outstanding during the reported period. In computing diluted EPS, we evaluate and reflect the maximum potential dilution, for each issue or series of issues of potential common shares in sequence from the most dilutive to the least dilutive. We adjust the numerator used in the basic EPS computation, subject to anti-dilution requirements, to add back the dividends (declared or cumulative undeclared) applicable to the Series A Convertible Preferred Stock. Such add-back would also include any adjustments to equity in the period to accrete the Series A Convertible Preferred Stock to its redemption price, or recorded upon a redemption or induced conversion. We adjust the denominator used in the basic EPS computation, subject to anti-dilution requirements, to include the dilution from potential shares resulting from the issuance of the Series A Convertible Preferred Stock, restricted stock units, and stock options. The holders of Series A Convertible Preferred Stock, unvested restricted stock units and stock options do not have nonforfeitable rights to common stock dividends or common stock dividend equivalents. Accordingly, the Series A Convertible Preferred Stock, unvested restricted stock units and stock options do not qualify as participating securities. See Note 8, “Stock Compensation Plans”, for share information on NCR’s stock compensation plans.
Cash and Cash Equivalents [Policy Text Block]	Cash, Cash Equivalents, and Restricted Cash All short-term, highly liquid investments having original maturities of three months or less, including time deposits, are considered to be cash equivalents. The Company has restricted cash on deposit with a bank as collateral for letters of credit, funds held for clients as well as cash included in settlement processing assets. The reconciliation of cash, cash equivalents and restricted cash in the Consolidated Statements of Cash Flows is as follows:
Receivables, Trade and Other Accounts Receivable, Allowance for Doubtful Accounts, Policy [Policy Text Block]	Accounts Receivable, net Accounts receivable, net includes amounts billed and currently due from customers as well as amounts unbilled that typically result from sales under contracts where revenue recognized exceeds the amount billed to the customer and where the Company has an unconditional right to consideration. The amounts due are stated at their net estimated realizable value. Allowance for Credit Losses on Accounts Receivable Allowances for credit losses on accounts receivable are recognized when reasonable and supportable forecasts affect the expected collectability. This requires us to make our best estimate of the current expected losses inherent in our accounts receivable at each balance sheet date. These estimates require consideration of historical loss experience, adjusted for current conditions, forward looking indicators, trends in customer payment frequency and judgments about the probable effects of relevant observable data, including present and future economic conditions and the financial health of specific customers and market sectors. This policy is applied consistently among all of our operating segments. Our allowance for credit losses as of December 31, 2021 and December 31, 2020 was $24 million and $51 million, respectively. We continue to evaluate our reserves in light of the age and quality of our outstanding accounts receivable, risks to specific industries or countries, as well as the COVID-19 pandemic, and adjust the reserves accordingly. For the years ending, December 31, 2021 and December 31, 2020, our allowance for credit losses charged to expense was $2 million and $33 million, respectively. We increased our allowance for credit losses for the year ended December 31, 2020 by $10 million based upon forecasts that reflected increased economic uncertainty resulting from the COVID-19 pandemic. The Company recorded $29 million and $26 million of write-offs against the reserve for the years ending December 31, 2021 and December 31, 2020, respectively.
Inventories [Policy Text Block]	Inventories Inventories are stated at the lower of cost or net realizable value, using the average cost method. Cost includes materials, labor and manufacturing overhead related to the purchase and production of inventories. Service parts are included in inventories and include reworkable and non-reworkable service parts. The Company regularly reviews inventory quantities on hand, future purchase commitments with suppliers and the estimated utility of inventory. If the review indicates a reduction in utility below carrying value, inventory is reduced to a new cost basis. Excess and obsolete write-offs are established based on forecasted usage, orders, technological obsolescence and inventory aging.
Capitalized Software [Policy Text Block]	Capitalized Software Certain direct development costs associated with internal-use software are capitalized within Other assets and amortized over the estimated useful lives of the resulting software. NCR typically amortizes capitalized internal-use software on a straight-line basis over four to seven years beginning when the asset is substantially ready for use, as this is considered to approximate the usage pattern of the software. When it becomes probable that internal-use software being developed will not be completed or placed into service, the internal-use software is reported at the lower of the carrying amount or fair value.
Software to be Sold, Leased, or Otherwise Marketed, Policy [Policy Text Block]	Costs incurred for the development of software that will be sold, leased or otherwise marketed are capitalized when technological feasibility has been established. These costs are included within Other assets and are amortized on a sum-of-the-years' digits or straight-line basis over the estimated useful lives ranging from three to five years, using the method that most closely approximates the sales pattern of the software. Amortization begins when the product is available for general release. Costs capitalized include direct labor and related overhead costs. Costs incurred prior to technological feasibility or after general release are expensed as incurred. NCR performs periodic reviews to ensure that unamortized program costs remain recoverable from future revenue. If future revenue does not support the unamortized program costs, the amount by which the unamortized capitalized cost of a software product exceeds the net realizable value is written off.
Goodwill and Other Intangible Assets [Policy Text Block]	Goodwill and Other Intangible Assets Goodwill represents the excess of purchase price over the fair value of the net tangible and identifiable intangible assets of businesses acquired. Goodwill is tested at the reporting unit level for impairment on an annual basis during the fourth quarter or more frequently if certain events occur indicating that the carrying value of goodwill may be impaired. A significant amount of judgment is involved in determining if an indicator of impairment has occurred. Such indicators may include a decline in expected cash flows, a significant adverse change in legal factors or in the business climate, a decision to sell a business, unanticipated competition, or slower growth rates, among others. In the evaluation of goodwill for impairment, we have the option to perform a qualitative assessment to determine whether further impairment testing is necessary or to perform a quantitative assessment by comparing the fair value of a reporting unit to its carrying amount, including goodwill. Under the qualitative assessment, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. If, under the quantitative assessment, the fair value of a reporting unit is less than its carrying amount, then the amount of the impairment loss, if any, is determined based on the amount by which the carrying amount exceeds the fair value up to the total value of goodwill assigned to the reporting unit. Fair values of the reporting units are estimated using a weighted methodology considering the output from both the income and market approaches. The income approach incorporates the use of discounted cash flow (“DCF”) analysis. A number of significant assumptions and estimates are involved in the application of the DCF model to forecast operating cash flows, including revenue growth, operating income margin and discount rate. Several of these assumptions vary among reporting units. The cash flow forecasts are generally based on approved strategic operating plans. The market approach is performed using the Guideline Public Companies (“GPC”) method which is based on earnings multiple data. We perform a reconciliation between our market capitalization and our estimate of the aggregate fair value of the reporting units, including consideration of a control premium. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for further discussion. Acquired intangible assets other than goodwill are amortized over their weighted average amortization period unless they are determined to be indefinite. Acquired intangible assets are carried at cost, less accumulated amortization. For intangible assets purchased in a business combination, the estimated fair values of the assets received are used to establish the carrying value. The fair value of acquired intangible assets is determined using common techniques, and the Company employs assumptions developed using the perspective of a market participant.
Property, Plant and Equipment [Policy Text Block]	Property, Plant and Equipment Property, plant and equipment and leasehold improvements are stated at cost less accumulated depreciation. Depreciation is computed over the estimated useful lives of the related assets primarily on a straight-line basis. Machinery and other equipment are depreciated over 3 to 20 years and buildings over 25 to 45 years. Leasehold improvements are depreciated over the life of the lease or the asset, whichever is shorter. Assets classified as held for sale are not depreciated. Upon retirement or disposition of property, plant and equipment, the related cost and accumulated depreciation or amortization are removed from the Company’s accounts, and a gain or loss is recorded. Depreciation expense related to property, plant and equipment was $140 million, $88 million, and $79 million for the years ended December 31, 2021, 2020, and 2019, respectively. Also reported in property and equipment are ATMs and the associated equipment the Company has acquired for future installation or has temporarily removed from service and plans to re-deploy. Significant refurbishment costs that extend the useful life of an asset, or enhance its functionality, are capitalized and depreciated over the estimated remaining life of the improved asset. Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. Maintenance costs are expensed as incurred.
Valuation of Long-Lived Assets [Policy Text Block]	Valuation of Long-Lived Assets Long-lived assets such as property, plant and equipment and finite-lived intangible assets are reviewed for impairment when events or changes in circumstances indicate that the carrying amount of the assets may not be recoverable or in the period in which the held for sale criteria are met. For assets held and used, this analysis consists of comparing the asset’s carrying value to the expected future cash flows to be generated from the asset on an undiscounted basis. If the carrying amount of the asset is determined not to be recoverable, a write-down to fair value is recorded. Fair values are determined based on quoted market values, discounted cash flows, or external appraisals, as applicable. Long-lived assets are reviewed for impairment at the individual asset or the asset group level for which the lowest level of independent cash flows can be identified. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for further discussion. Leasing The Company determines whether an arrangement is a lease at the inception of the arrangement based on the terms and conditions in the contract. A contract contains a lease if there is an identified asset and the Company has the right to control the asset. Lessee We lease property, vehicles and equipment under operating and financing leases. For leases with terms greater than 12 months, we record the related asset and obligation at the present value of lease payments over the term. We determine the lease term by assuming the exercise of renewal options that are reasonably certain. Leases with a lease term of 12 months or less at inception are not recorded on our Consolidated Balance Sheet and are expensed on a straight-line basis over the lease term in our Consolidated Statement of Operations. Our leases may include rental escalation clauses, renewal options and/or termination options that are factored into our determination of lease payments when appropriate. When available, we use the rate implicit in the lease to discount lease payments to present value; however, most of our leases do not provide a readily determinable implicit rate. Therefore, we must estimate our incremental borrowing rate to discount the lease payments based on information available at lease commencement. Our incremental borrowing rate is based on a credit-adjusted risk-free rate at commencement date, which best approximates a secured rate over a similar term of lease. Additionally, we do not separate lease and non-lease components for any asset classes, except for those leases embedded in certain service arrangements. Fixed and in-substance fixed payments are included in the recognition of the operating and financing assets and lease liabilities, however, variable lease payments, other than those based on a rate or index, are recognized in the Consolidated Statements of Operations in the period in which the obligation for those payments is incurred. The Company’s variable lease payments generally relate to payments tied to various indices, non-lease components and payments above a contractual minimum fixed payment. Lessor We have various arrangements for certain point-of-sale equipment under which we are the lessor. These leases meet the criteria for operating lease classification. Lease income associated with these leases is not material.
Pension, Postretirement and Postemployment Benefits [Policy Text Block]	Pension, Postretirement and Postemployment Benefits NCR has significant pension, postretirement and postemployment benefit costs, which are developed from actuarial valuations. Actuarial assumptions are established to anticipate future events and are used in calculating the expense and liabilities relating to these plans. These factors include assumptions the Company makes about interest rates, expected investment return on plan assets, rate of increase in healthcare costs, involuntary turnover rates, and rates of future compensation increases. In addition, NCR also uses subjective factors, such as withdrawal rates and mortality rates to develop the Company’s valuations. NCR generally reviews and updates these assumptions on an annual basis. NCR is required to consider current market conditions, including changes in interest rates, in making these assumptions. The actuarial assumptions that NCR uses may differ materially from actual results due to changing market and economic conditions, higher or lower withdrawal rates, or longer or shorter life spans of participants. These differences may result in a significant impact to the amount of pension, postretirement or postemployment benefits expense, and the related assets and liabilities, the Company has recorded or may record.
Environmental and Legal Contingencies [Policy Text Block]	Environmental and Legal Contingencies In the normal course of business, NCR is subject to various proceedings, lawsuits, claims and other matters, including, for example, those that relate to the environment and health and safety, labor and employment, employee benefits, import/export compliance, intellectual property, data privacy and security, product liability, commercial disputes and regulatory compliance, among others. Additionally, NCR is subject to diverse and complex laws, regulations, and standards including those relating to corporate governance, public disclosure and reporting, environmental safety and the discharge of materials into the environment, product safety, import and export compliance, data privacy and security, antitrust and competition, government contracting, anti-corruption, and labor and human resources, which are rapidly changing and subject to many possible changes in the future. Compliance with these laws and regulations, including changes in accounting standards, taxation requirements, and federal securities laws, among others, may create a substantial burden on, and substantially increase the costs to NCR or could have an impact on NCR’s future operating results. NCR believes that the amounts provided in its Consolidated Financial Statements are adequate in light of the probable and estimable liabilities. However, there can be no assurances that the actual amounts required to satisfy alleged liabilities from various lawsuits, claims, legal proceedings and other matters, including the Fox River and Kalamazoo River environmental matters discussed in Note 10, “Commitments and Contingencies”, and to comply with applicable laws and regulations, will not exceed the amounts reflected in NCR’s Consolidated Financial Statements or will not have a material adverse effect on the Company’s consolidated results of operations, financial condition or cash flows. Any costs that may be incurred in excess of those amounts provided as of December 31, 2021 cannot currently be reasonably determined or are not currently considered probable. Legal fees and expenses related to loss contingencies are typically expensed as incurred, except for certain costs associated with NCR’s environmental remediation obligations. Costs and fees associated with litigating the extent and type of required remedial actions and the allocation of remediation costs among potentially responsible parties are typically included in the measurement of the environmental remediation liabilities.
Foreign Currency [Policy Text Block]	Foreign Currency For many NCR international operations, the local currency is designated as the functional currency. Accordingly, assets and liabilities are translated into U.S. Dollars at year-end exchange rates, and revenue and expenses are translated at average exchange rates prevailing during the year. Currency translation adjustments from local functional currency countries resulting from fluctuations in exchange rates are recorded in Other comprehensive income. Remeasurement adjustments are recorded in Other income (expense), net.
Derivative Instruments [Policy Text Block]	Derivative Instruments In the normal course of business, NCR enters into various financial instruments, including derivative financial instruments. The Company accounts for derivatives as either assets or liabilities in the Consolidated Balance Sheets at fair value and recognizes the resulting gains or losses as adjustments to earnings or other comprehensive income. For derivative instruments that are designated and qualify as hedging instruments, the Company formally documents the relationship between hedging instruments and hedged items, as well as the risk management objective and strategy for undertaking various hedge transactions. Hedging activities are transacted only with highly rated institutions, reducing exposure to credit risk in the event of nonperformance. Additionally, the Company completes assessments related to the risk of counterparty nonperformance on a regular basis. The accounting for changes in fair value of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship, and further, on the type of hedging relationship. For those derivative instruments that are designated and qualify as hedging instruments, the Company has designated the hedging instrument, based on the exposure being hedged, as a fair value hedge, a cash flow hedge or a hedge of a net investment in a foreign operation. For derivative instruments designated as fair value hedges, the effective portion of the hedge is recorded as an offset to the change in the fair value of the hedged item, and the ineffective portion of the hedge, if any, is recorded in the Consolidated Statement of Operations. For derivative instruments designated as cash flow hedges and determined to be highly effective, the gains or losses are deferred in Other comprehensive income and recognized in the determination of income as adjustments of carrying amounts when the underlying hedged transaction is realized, canceled or otherwise terminated. When hedging certain foreign currency transactions of a long-term investment nature (net investments in foreign operations), gains and losses are recorded in the currency translation adjustment component of Accumulated other comprehensive loss. Gains and losses on foreign exchange contracts that are not used to hedge currency transactions of a long-term investment nature, or that are not designated as cash flow or fair value hedges, are recognized in Other income (expense), net as exchange rates change.
Fair Value of Assets and Liabilities [Policy Text Block]	Fair Value of Assets and Liabilities Fair value is defined as an exit price, representing an amount that would be received to sell an asset or the amount paid to transfer a liability in an orderly transaction between market participants at the measurement date. As such, fair value is a market-based measurement determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, the accounting guidance prioritizes the inputs used to measure fair value into the following three-tier fair value hierarchy: •Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities •Level 2: Unadjusted quoted prices in active markets for similar assets or liabilities, unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs, other than quoted prices in active markets, that are observable either directly or indirectly •Level 3: Unobservable inputs for which there is little or no market data Assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurements. The Company reviews the fair value hierarchy classification on a quarterly basis. Changes to the observability of valuation inputs may result in a reclassification of levels for certain securities within the fair value hierarchy. NCR measures its financial assets and financial liabilities at fair value based on one or more of the following three valuation techniques: •Market approach: Prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. •Cost approach: Amount that would be required to replace the service capacity of an asset (replacement cost). •Income approach: Techniques to convert future amounts to a single present amount based upon market expectations (including present value techniques, option pricing and excess earnings models). We regularly review our investments to determine whether a decline in fair value, if any, below the cost basis is other than temporary. If the decline in the fair value is determined to be other than temporary, the cost basis of the security is written down to fair value and the amount of the write-down is included in the Consolidated Statement of Operations. For qualifying investments in debt or equity securities, a temporary impairment charge would be recognized in Other comprehensive income (loss).
New Accounting Pronouncements, Policy [Policy Text Block]	Accounting Pronouncements Issued But Not Yet Adopted In August 2020, the Financial Accounting Standards Board (“FASB”) issued an accounting standards update with new guidance for convertible preferred stock, which eliminates considerations related to the beneficial conversion feature model. The standard also requires an average stock price when calculating the denominator for diluted earnings per share to be used for stock units where the settlement of the number of shares is based on the stock price. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021. Early adoption is permitted no earlier than fiscal years beginning after December 15, 2020 and interim periods within those fiscal years. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition. In May 2021, the FASB issued an accounting standards update with new guidance for freestanding equity-classified written call options. The new guidance requires modifications or exchanges of freestanding equity-classified written call options that remain equity classified after the modification or exchange based on the economic substance of the modification or exchange. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021, with early adoption permitted. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition. In October 2021, the FASB issued an accounting standards update with new guidance for contract assets and contract liabilities acquired in a business combination. The new guidance requires contract assets and contract liabilities, such as deferred revenue, acquired in a business combination to be recognized and measured by the acquirer on the acquisition date in accordance with Accounting Standard Codification (“ASC”) 606, Revenue from Contracts with Customers. Prior to the issuance of this guidance, contract assets and contract liabilities were recognized by the acquirer at fair value on the acquisition date. The accounting standards update is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022, with early adoption permitted and should be applied prospectively to acquisitions occurring on or after the effective date. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition. Adoption of New Accounting Pronouncements In July 2021, the FASB issued an accounting standards update with new guidance for lessors with lease contracts that have variable lease payments. Under the new guidance, a lease which includes variable lease payments which do not depend on a reference index or rate and would have resulted in the recognition of a selling loss at lease commencement if classified as sales-type or direct financing are now to be classified as operating. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021, with early adoption permitted. The accounting standards update was adopted using the transition guidance of early application and we will apply the standard prospectively to all new hardware arrangements where NCR is the lessor. The adoption of the accounting standard did not have a material effect on the Company's net income, cash flows, earnings per share or financial condition.

Goodwill and Purchased Intangible Assets - Schedule of Acquired Intangibles (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	$ 2,353	$ 1,437
Accumulated Amortization	(1,037)	(905)
Customer Relationships [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	1,126	740
Accumulated Amortization	(391)	(324)
Intellectual property [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	1,008	531
Accumulated Amortization	$ (474)	(418)
Customer Contracts [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	8 years
Finite-Lived Intangible Assets, Gross	$ 89	89
Accumulated Amortization	(89)	(89)
Tradenames [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	130	77
Accumulated Amortization	$ (83)	$ (74)
Minimum [Member] \| Customer Relationships [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	1 year
Minimum [Member] \| Intellectual property [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	2 years
Minimum [Member] \| Tradenames [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	1 year
Maximum [Member] \| Customer Relationships [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	20 years
Maximum [Member] \| Intellectual property [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	8 years
Maximum [Member] \| Tradenames [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Asset, Useful Life	10 years

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2021

Income Tax Disclosure [Abstract]

Schedule of Income before Income Tax, Domestic and Foreign [Table Text Block]

For the years ended December 31, income (loss) from continuing operations before income taxes consisted of the following:


In millions	2021		2020		2019
Income (loss) before income taxes
United States	$	(142)	$	(391)	$	(25)
Foreign	426		332		366
Total income (loss) from continuing operations before income taxes	$	284	$	(59)	$	341

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

For the years ended December 31, income tax expense (benefit) consisted of the following:


In millions	2021		2020		2019
Income tax expense (benefit)
Current
Federal	$	5	$	(9)	$	1
State	5		—		2
Foreign	87		68		78
Deferred
Federal	93		(108)		(19)
State	(8)		(6)		—
Foreign	4		2		(335)
Total income tax expense (benefit)	$	186	$	(53)	$	(273)

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

The following table presents the principal components of the difference between the effective tax rate and the U.S. federal statutory income tax rate for the years ended December 31:


In millions	2021		2020		2019
Income tax expense (benefit) at the U.S. federal tax rate of 21%	$	60	$	(12)	$	72
Foreign income tax differential	4		(14)		—
Additional U.S. tax on foreign income	21		13		(2)
State and local income taxes (net of federal effect)	2		(4)		3
Meals and entertainment expense	1		1		2
Nondeductible transaction costs	4		—		1
Disallowed executive compensation	15		10		9
Excess benefit/deficit from share-based payments	(6)		3		2
Other U.S. permanent book/tax differences	3		2		2
Gain/loss on internal entity restructuring	55		2		(12)
Change in branch tax status	1		—		(17)
Research and development tax credits	(6)		(7)		(5)
Foreign tax law changes	(13)		(4)		5
Valuation allowances	21		(32)		(90)
Change in liability for unrecognized tax benefits	13		(12)		4
Change in tax estimates for prior periods	11		—		(1)
Impact of intangible asset transfer	—		—		(245)
Other, net	—		1		(1)
Total income tax expense (benefit)	$	186	$	(53)	$	(273)

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]

Deferred income tax assets and liabilities included in the Consolidated Balance Sheets as of December 31 were as follows:


In millions	2021		2020
Deferred income tax assets
Tax loss and credit carryforwards	$	656	$	667
Employee pensions and other benefits	202		229
Other balance sheet reserves and allowances	233		272
Capitalized research and development	39		44
Lease liabilities	101		91
Intangible assets	—		123
Property, plant and equipment	18		11
Other	27		13
Total deferred income tax assets	1,276		1,450
Valuation allowance	(368)		(341)
Net deferred income tax assets	908		1,109
Deferred income tax liabilities
Intangible assets	73		—
Right of use assets	101		90
Capitalized software	58		78
Total deferred income tax liabilities	232		168
Total net deferred income tax assets	$	676	$	941

Summary of Income Tax Contingencies [Table Text Block]

The aggregate changes in the balance of our gross unrecognized tax benefits were as follows for the years ended December 31:


In millions	2021		2020		2019
Gross unrecognized tax benefits - January 1	$	103	$	121	$	110
Increases related to tax positions from prior years	25		15		7
Decreases related to tax positions from prior years	(4)		(6)		(4)
Increases related to tax provisions taken during the current year	7		6		14
Settlements with tax authorities	(2)		(23)		(5)
Lapses of statutes of limitation	(8)		(10)		(1)
Total gross unrecognized tax benefits - December 31	$	121	$	103	$	121

Leasing Weighted Average Lease Term and Interest Rates (Details)	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating Lease, Weighted Average Remaining Lease Term	8 years 4 months 24 days	8 years 8 months 12 days
Finance Lease, Weighted Average Remaining Lease Term	2 years	2 years 8 months 12 days
Operating Lease, Weighted Average Discount Rate, Percent	5.70%	6.45%
Finance Lease, Weighted Average Discount Rate, Percent	3.78%	4.59%

Leasing Lease Balances (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating Lease, Right-of-Use Asset	$ 419	$ 344
Finance Lease, Right-of-Use Asset, after Accumulated Amortization	62	55
Finance Lease, Right-Of-Use Asset, Accumulated Depreciation	35	18
Lease, Right-of-Use Asset	446	381
Operating Lease, Liability, Current	97	85
Finance Lease, Liability, Current	16	15
Operating Lease, Liability, Noncurrent	388	325
Finance Lease, Liability, Noncurrent	13	23
Lease, Liability	$ 514	$ 448
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, plant and equipment, net	Property, plant and equipment, net
Operating Lease, Liability, Current, Statement of Financial Position [Extensible List]	Other current liabilities	Other current liabilities
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Other current liabilities	Other current liabilities
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities

Description of Business and Significant Accounting Policies Recent Accounting Pronouncements (Details)	Dec. 31, 2021	Aug. 21, 2019
6.125% Senior Notes due 2029 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Instrument, Interest Rate, Stated Percentage	6.125%	6.125%
5% Notes Due 2022 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Instrument, Interest Rate, Stated Percentage	5.00%

Employee Benefit Plans - Net Periodic Benefit (Income) Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Postemployment Benefits [Member]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Net service cost	$ 24	$ 42	$ 31
Interest cost	2	3	3
Amortization of prior service cost	(2)	(2)	(2)
Actuarial loss (gain)	(4)	(4)	(3)
Defined Benefit Plan Net Periodic Benefit Costs, Subtotal	20	39	29
Postretirement Benefits [Member]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Interest cost	0	0	1
Amortization of prior service cost	0	(3)	(5)
Actuarial loss (gain)	(1)	1	0
Net periodic benefit cost	1	(2)	(4)
Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Net service cost	6	6	7
Interest cost	42	64	85
Expected return on plan assets	(55)	(64)	(74)
Amortization of prior service cost	1	1	1
Actuarial loss (gain)	(118)	34	75
Net periodic benefit cost	(124)	41	94
U.S. Pension Benefits [Member]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Net service cost	0	0	0
Interest cost	34	51	66
Expected return on plan assets	(30)	(36)	(43)
Amortization of prior service cost	0	0	0
Actuarial loss (gain)	(40)	18	60
Net periodic benefit cost	(36)	33	83
International Pension Benefits [Member]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Net service cost	6	6	7
Interest cost	8	13	19
Expected return on plan assets	(25)	(28)	(31)
Amortization of prior service cost	1	1	1
Actuarial loss (gain)	(78)	16	15
Net periodic benefit cost	$ (88)	$ 8	$ 11

Income Taxes

12 Months Ended

Dec. 31, 2021

Income Tax Disclosure [Abstract]

Income Taxes

7. INCOME TAXES

For the years ended December 31, income (loss) from continuing operations before income taxes consisted of the following:


In millions	2021		2020		2019
Income (loss) before income taxes
United States	$	(142)	$	(391)	$	(25)
Foreign	426		332		366
Total income (loss) from continuing operations before income taxes	$	284	$	(59)	$	341

For the years ended December 31, income tax expense (benefit) consisted of the following:


In millions	2021		2020		2019
Income tax expense (benefit)
Current
Federal	$	5	$	(9)	$	1
State	5		—		2
Foreign	87		68		78
Deferred
Federal	93		(108)		(19)
State	(8)		(6)		—
Foreign	4		2		(335)
Total income tax expense (benefit)	$	186	$	(53)	$	(273)

The following table presents the principal components of the difference between the effective tax rate and the U.S. federal statutory income tax rate for the years ended December 31:


In millions	2021		2020		2019
Income tax expense (benefit) at the U.S. federal tax rate of 21%	$	60	$	(12)	$	72
Foreign income tax differential	4		(14)		—
Additional U.S. tax on foreign income	21		13		(2)
State and local income taxes (net of federal effect)	2		(4)		3
Meals and entertainment expense	1		1		2
Nondeductible transaction costs	4		—		1
Disallowed executive compensation	15		10		9
Excess benefit/deficit from share-based payments	(6)		3		2
Other U.S. permanent book/tax differences	3		2		2
Gain/loss on internal entity restructuring	55		2		(12)
Change in branch tax status	1		—		(17)
Research and development tax credits	(6)		(7)		(5)
Foreign tax law changes	(13)		(4)		5
Valuation allowances	21		(32)		(90)
Change in liability for unrecognized tax benefits	13		(12)		4
Change in tax estimates for prior periods	11		—		(1)
Impact of intangible asset transfer	—		—		(245)
Other, net	—		1		(1)
Total income tax expense (benefit)	$	186	$	(53)	$	(273)

NCR's tax provisions include a provision for income taxes in certain tax jurisdictions where its subsidiaries are profitable, but reflect only a portion of the tax benefits related to certain foreign subsidiaries' tax losses due to the uncertainty of the ultimate realization of future benefits from these losses. During 2021, significant matters impacting our tax rate include a $36 million expense from recording a valuation allowance against interest expense deduction carryforwards in the United States, a $14 million benefit from the deferred tax impact of a tax law change in the United Kingdom and a $40 million non-cash expense resulting from an internal entity restructuring. During 2020, the tax rate was impacted by a $48 million benefit from the release of a valuation allowance against U.S. foreign tax credits and the re-establishment of expected foreign tax credit offsets to unrecognized tax benefits. During 2019, the tax rate was impacted by the transfer of certain intangible assets among our wholly-owned subsidiaries, creating a net tax benefit of $264 million. The tax rate was also impacted by foreign valuation allowance releases of $74 million.

In the fourth quarter of 2021, the Company recorded $9 million of income tax expense ($4.7 million of which related to multiple prior annual periods) related to the correction of the utilization of foreign tax credits in prior years and an additional valuation allowance required for interest expense carryforwards recognized in interim periods during 2021. The Company determined that the adjustments and corrections recorded in the fourth quarter of 2021 were not material, quantitatively or qualitatively, to the impacted annual and interim financial statements.

NCR did not provide additional U.S. income tax or foreign withholding taxes, if any, on approximately $3.5 billion of undistributed earnings of its foreign subsidiaries, given the intention continues to be that those earnings are reinvested indefinitely. The amount of unrecognized deferred tax liability associated with these indefinitely reinvested earnings is approximately $145 million. The unrecognized deferred tax liability is made up of a combination of United States and state income taxes and foreign withholding taxes.

We regularly review our deferred tax assets for recoverability and establish a valuation allowance if it is more likely than not that some portion or all of the deferred tax asset will not be realized. The determination as to whether a deferred tax asset will be realized is made on a jurisdictional basis and is based on the evaluation of positive and negative evidence. This evidence includes historical taxable income/loss, projected future taxable income, the expected timing of the reversal of existing temporary differences and the implementation of tax planning strategies.

Deferred income tax assets and liabilities included in the Consolidated Balance Sheets as of December 31 were as follows:


In millions	2021		2020
Deferred income tax assets
Tax loss and credit carryforwards	$	656	$	667
Employee pensions and other benefits	202		229
Other balance sheet reserves and allowances	233		272
Capitalized research and development	39		44
Lease liabilities	101		91
Intangible assets	—		123
Property, plant and equipment	18		11
Other	27		13
Total deferred income tax assets	1,276		1,450
Valuation allowance	(368)		(341)
Net deferred income tax assets	908		1,109
Deferred income tax liabilities
Intangible assets	73		—
Right of use assets	101		90
Capitalized software	58		78
Total deferred income tax liabilities	232		168
Total net deferred income tax assets	$	676	$	941

NCR has previously recorded valuation allowances related to certain deferred tax assets due to the uncertainty of the ultimate realization of the future benefits from those assets. The recorded valuation allowances cover deferred tax assets, primarily tax loss carryforwards and foreign tax credits, in tax jurisdictions where there is uncertainty as to the ultimate realization of those tax losses and credits. If we are unable to generate sufficient future taxable income of the proper source in the time period within which the temporary differences underlying our deferred tax assets become deductible, or before the expiration of our loss and credit carryforwards, additional valuation allowances could be required.

As of December 31, 2021, NCR had U.S. federal, U.S. state (tax effected), and foreign tax attribute carryforwards of approximately $1.7 billion. The net operating loss carryforwards that are subject to expiration will expire in the years 2022 through 2039. The attributes include U.S. tax credit carryforwards of $233 million, which expire in the years 2022 through 2041. As a result of stock ownership changes our U.S. tax attributes could be subject to limitations under Section 382 of the U.S. Internal Revenue Code of 1986, as amended, if further material stock ownership changes occur.

The aggregate changes in the balance of our gross unrecognized tax benefits were as follows for the years ended December 31:


In millions	2021		2020		2019
Gross unrecognized tax benefits - January 1	$	103	$	121	$	110
Increases related to tax positions from prior years	25		15		7
Decreases related to tax positions from prior years	(4)		(6)		(4)
Increases related to tax provisions taken during the current year	7		6		14
Settlements with tax authorities	(2)		(23)		(5)
Lapses of statutes of limitation	(8)		(10)		(1)
Total gross unrecognized tax benefits - December 31	$	121	$	103	$	121

Of the total amount of gross unrecognized tax benefits as of December 31, 2021, $73 million would affect NCR’s effective tax rate if realized. The Company’s liability arising from uncertain tax positions is recorded in Income tax accruals and Other current liabilities in the Consolidated Balance Sheets.

We recognized interest and penalties associated with uncertain tax positions as part of the provision for income taxes in our Consolidated Statements of Operations of zero, $5 million of benefit, and $2 million of expense for the years ended December 31, 2021, 2020, and 2019, respectively. The gross amount of interest and penalties accrued as of December 31, 2021 and 2020 was $30 million in each year.

In the United States, NCR files consolidated federal and state income tax returns where statutes of limitations generally range from three to five years. U.S. federal tax years remain open from 2018 forward. Years beginning on or after 2007 are still open to examination by certain foreign taxing authorities, including India, Egypt, and other major taxing jurisdictions.

During 2022, the Company expects to resolve certain tax matters related to United States and foreign jurisdictions. As of December 31, 2021, we estimate that it is reasonably possible that unrecognized tax benefits may decrease by $3 million to $12 million in the next 12 months due to the resolution of these tax matters.

- 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
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
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-Section 50
-Paragraph 21
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Subparagraph (b)
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Topic 740
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-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.5.Q1)
-URI http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=121826272&loc=d3e32705-109319

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 270
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-Paragraph 1
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-URI http://asc.fasb.org/topic&trid=2144680

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6424122&loc=d3e41874-109331

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
-URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690

+ Details

Commitments and Contingencies Commitments and Contingencies (Notes)

12 Months Ended

Dec. 31, 2021

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies Disclosure [Text Block]

10. COMMITMENTS AND CONTINGENCIES

In the normal course of business, NCR is subject to various proceedings, lawsuits, claims and other matters, including, for example, those that relate to the environment and health and safety, labor and employment, employee benefits, import/export compliance, intellectual property, data privacy and security, product liability, commercial disputes and regulatory compliance, among others. Additionally, NCR is subject to diverse and complex laws and regulations, including those relating to corporate governance, public disclosure and reporting, environmental safety and the discharge of materials into the environment, product safety, import and export compliance, data privacy and security, antitrust and competition, government contracting, anti-corruption, and labor and human resources, which are rapidly changing and subject to many possible changes in the future. Compliance with these laws and regulations, including changes in accounting standards, taxation requirements, and federal securities laws among others, may create a substantial burden on, and substantially increase costs to NCR or could have an impact on NCR's future operating results. The Company has reflected all liabilities when a loss is considered probable and reasonably estimable in the Consolidated Financial Statements. We do not believe there is a reasonable possibility that losses exceeding amounts already recognized have been incurred, but there can be no assurances that the amounts required to satisfy alleged liabilities from such matters will not impact future operating results. Other than as stated below, the Company does not currently expect to incur material capital expenditures related to such matters. However, there can be no assurances that the actual amounts required to satisfy alleged liabilities from various lawsuits, claims, legal proceedings and other matters, including, but not limited to the Fox River and Kalamazoo River environmental matters and other matters discussed below, and to comply with applicable laws and regulations, will not exceed the amounts reflected in NCR’s Consolidated Financial Statements or will not have a material adverse effect on its consolidated results of operations, capital expenditures, competitive position, financial condition or cash flows.

Environmental Matters NCR's facilities and operations are subject to a wide range of environmental protection laws, and NCR has investigatory and remedial activities underway at a number of facilities that it currently owns or operates, or formerly owned or operated, to comply, or to determine compliance, with such laws. Also, NCR has been identified, either by a government agency or by a private party seeking contribution to site clean-up costs, as a potentially responsible party (“PRP”) at a number of sites pursuant to various state and federal laws, including the Federal Water Pollution Control Act, the Comprehensive Environmental Response, Compensation and Liability Act (“CERCLA”) and comparable state statutes. Other than the Fox River matter, the Kalamazoo River matter and the Ebina matter discussed below, we currently do not anticipate material expenses and liabilities from these environmental matters.

Fox River NCR is one of eight entities that were formally notified by governmental and other entities, such as local Native American tribes, that they are PRPs for environmental claims (under CERCLA and other statutes) arising out of the presence of polychlorinated biphenyls (“PCBs”) in sediments in the lower Fox River and in the Bay of Green Bay in Wisconsin. Such notice was provided on September 30, 2003. The other Fox River PRPs that received notices include Appleton Papers Inc. (“API”; now known as Appvion, Inc.), P.H. Glatfelter Company (“Glatfelter”), Georgia-Pacific Consumer Products LP (“GP”, successor to Fort James Operating Company), and others. NCR was identified as a PRP because of alleged PCB discharges from two carbonless copy paper manufacturing facilities it previously owned, which were located along the Fox River. NCR sold its facilities in 1978 to API. The parties have also contended that NCR is responsible for PCB discharges from paper mills owned by other companies because NCR carbonless copy paper “broke” was allegedly purchased by those other mills as a raw material.

The U.S. Environmental Protection Agency (“USEPA”) and Wisconsin Department of Natural Resources (together, “the Governments”) developed clean-up plans for the upper and lower parts of the Fox River and for portions of the Bay of Green Bay. On November 13, 2007, the Governments issued a unilateral administrative order (the “2007 Order”) under CERCLA to the eight original PRPs, requiring them to perform remedial work under the Governments’ clean-up plan for the lower parts of the river (operable units 2 through 5). In April 2009, NCR and API formed a limited liability company (the “LLC”), which entered into an agreement with an environmental remediation contractor to perform the work at the Fox River site. In-water dredging and remediation under the clean-up plan commenced shortly thereafter.

NCR and API, along with B.A.T Industries p.l.c. (“BAT”), share among themselves a portion of the cost of the Fox River clean-up and natural resource damages (“NRD”) based upon a 1998 agreement (the “Cost Sharing Agreement”), a 2005 arbitration award (subsequently confirmed as a judgment), and a September 30, 2014 Funding Agreement (the “Funding Agreement”). The Cost Sharing Agreement and the arbitration resolved disputes that arose out of the Company's 1978 sale of its Fox River facilities to API. The Cost Sharing Agreement and arbitration award resulted in a 45% share for NCR of the first $75 million of such costs (a threshold that was reached in 2008), and a 40% share for amounts in excess of $75 million. The Funding Agreement arose out of a 2012 to 2014 arbitration dispute between NCR and API, and provides for regular, ongoing funding of NCR incurred Fox River remediation costs via contributions, made to a new limited liability corporation created by the Funding Agreement, by BAT, API and, for 2014, API's indemnitor, Windward Prospects. The Funding Agreement creates an obligation on BAT and API to fund 50% of NCR’s Fox River remediation costs from October 1, 2014 forward (API’s Fox River-related obligations under the Funding Agreement were fully satisfied in 2016); the Funding Agreement also provides NCR contractual avenues for payment of, via direct and third-party sources, (1) the difference between BAT’s and API’s 60% obligation under the Cost Sharing Agreement and arbitration award on the one hand and their ongoing (since September 2014) 50% payments under the Funding Agreement on the other, as well as (2) the difference between the amount NCR received under the Funding Agreement and the amount owed to it under the Cost Sharing Agreement and arbitration award for the period from April 2012 through September 2014. As of December 31, 2021 and 2020, the receivable under the Funding Agreement was approximately $54 million and was included in Other assets in the Consolidated Balance Sheet. The Company anticipates that it will collect sums related to the receivable after 2021, subject and pursuant to the terms of the Funding Agreement and related agreements. This receivable is not taken into account in calculating the Company’s Fox River net reserve.

The Company's litigations relating to contribution and enforcement claims concerning the Fox River have been concluded. A proposed consent decree settlement (the “CD settlement”) with respect to the contribution action (a case originally filed by NCR and API) and the government enforcement action (a case originally filed by the federal and state governments against several PRPs, including the Company) was successfully negotiated by NCR and the federal and state governments and was approved on August 22, 2017 by the federal district court in Wisconsin that had been presiding over those cases. A final order of dismissal as to the Company in the contribution and government enforcement actions was subsequently entered; one party, Glatfelter, had appealed the approval of the CD settlement. On January 3, 2019, the United States lodged a proposed consent decree with the Wisconsin court, reflecting a settlement reached by the United States, Wisconsin and Glatfelter with respect to Glatfelter’s Fox River liability under the government enforcement action; a component of that settlement was withdrawal of Glatfelter’s appeal opposing the Company’s CD settlement. On March 14, 2019, the Wisconsin court approved the Glatfelter consent decree, and on April 3, 2019, Glatfelter's appeal was dismissed.

The CD settlement has now resolved the remaining Fox River-related contribution and enforcement claims against the Company. The key components of the approved CD settlement include (1) the Company’s commitment to complete the remediation of the Fox River, which has now been completed; (2) the Company’s conditional agreement to waive its contribution claims against the two remaining defendants in the case, GP and Glatfelter; (3) the Company’s agreement not to appeal the trial court’s decision on divisibility of harm; (4) the Governments’ agreement to include in the settlement so-called “contribution protection” in the Company’s favor as to GP’s and Glatfelter’s contribution claims against the Company, the effect of which will be to extinguish those claims; (5) the Governments’ agreement not to pursue the Company for the Governments’ past oversight costs; and (6) the Governments’ agreement to exercise prosecutorial discretion in pursuing other parties for future oversight costs and long-term monitoring and maintenance, with the Company retaining so-called “backstop” liability in the event that the other parties fail to pay future oversight costs or to perform long-term monitoring and maintenance. Additionally, although certain state law claims by GP and Glatfelter against the Company may not be affected directly by the CD settlement, the CD settlement provides that the Company’s contribution claims against those two parties will revive if those parties attempt to assert any claims against the Company relating to the Fox River, including any state law claims.

In the quarter ending September 30, 2017, the remediation general contractor commenced an arbitration against the LLC, in a dispute over contract interpretation. The hearing on this matter was completed in June 2019, and the parties submitted post-trial briefs in August 2019. The amounts claimed by the contractor range from approximately $46 million to approximately $53 million; the Company disputed the claims and contested them vigorously during the hearing. In November 2019, having rejected substantial portions of the claims, the arbitration panel awarded the contractor approximately $10 million. The Company’s indemnitors and co-obligors, described below, were responsible for the majority of the award, with the Company’s share being approximately 25% of the award.

With respect to the Company’s prior dispute with API, which was generally superseded by the Funding Agreement, the Company received timely payments as they came due under the Funding Agreement. Although API filed for bankruptcy protection in October 2017, it had made all of the payments to the Company in connection with the Fox River that are required of it by the Funding Agreement.

NCR's eventual remediation liability, followed by long-term monitoring expected to be performed by others, will depend on a number of factors. In establishing the reserve, NCR attempts to estimate a range of reasonably possible outcomes for each of these factors, although each range is itself uncertain. NCR uses its best estimate within the range, if that is possible. Where there is a range of equally possible outcomes, and there is no amount within that range that is considered to be a better estimate than any other amount, NCR uses the low end of the range. The significant factors include: (1) the total remaining site costs, including the costs associated with decommissioning the site, the expected cost impact of which is expected to be neutral or non-material to the Company, including long-term monitoring following completion of the clean-up, and what parties are assigned to discharge the post-clean-up tasks (as noted, the Company no longer expects to bear long-term monitoring costs); (2) total NRD for the site and the share that NCR will bear (which is now resolved as to the Company); (3) the share of clean-up costs that NCR will bear (which is resolved under the CD settlement); (4) NCR's transaction and litigation costs to defend itself to the extent additional litigation is required with respect to claims brought by the general contractor; and (5) the share of NCR's payments that BAT will bear (which is governed by the Cost Sharing Agreement and the Funding Agreement, BAT has made all of the payments requested of it, and as discussed above; API is in bankruptcy and is not presumed likely to bear further shares of NCR's payments). With respect to NRD, in connection with a certain settlement entered into by other PRPs in 2015, the Government withdrew the NRD claims it had prosecuted on behalf of NRD trustees, including those NRD claims asserted against the Company.

While it is possible there could be additional changes to some elements of the reserve over upcoming periods, all in river-remediation, site demolition and site decommissioning have been completed. Final reporting and site completion certification is expected this year. Nonetheless, there can be no assurance that unexpected expenditures and liabilities will not have a material effect on NCR's capital expenditures, earnings, financial condition, cash flows, or competitive position. As of December 31, 2021 and 2020, the gross reserve for the Fox River matter was approximately $4 million and $6 million, respectively. As of December 31, 2021 and 2020, the net reserve for the Fox River matter was approximately $26 million and $28 million, respectively. NCR contributes to the LLC to fund remediation activities and generally, by contract, has funded certain amounts of remediation expenses in advance. As of December 31, 2021 and 2020, approximately zero remained from this funding. NCR's reserve for the Fox River matter is reduced as the LLC makes payments to the remediation contractor and other vendors with respect to remediation activities.

Under a 1996 agreement, AT&T Corp. (“AT&T”) and Nokia (as the successor to Lucent Technologies and Alcatel-Lucent USA) are responsible severally (not jointly) for indemnifying NCR for certain portions of the amounts paid by NCR for the Fox River matter over a defined threshold and subject to certain offsets. (The agreement governs certain aspects of AT&T's divestiture of NCR and of what was then known as Lucent Technologies.) Those companies have made the payments requested of them by the Company on an ongoing basis.

Kalamazoo River In November 2010, USEPA issued a “general notice letter” to NCR with respect to the Allied Paper, Inc./Portage Creek/Kalamazoo River Superfund Site (“Kalamazoo River site”) in Michigan. Three other companies - International Paper, Mead Corporation, and Consumers Energy - also received general notice letters at or about the same time. USEPA asserts that the site is contaminated by various substances, primarily PCBs, as a result of discharges by various paper mills located along the river. USEPA does not claim that the Company made direct discharges into the Kalamazoo River, and NCR never had facilities at or near the Kalamazoo River site, but USEPA indicated that “NCR may be liable under Section 107 of CERCLA ... as an arranger, who by contract or agreement, arranged for the disposal, treatment and/or transportation of hazardous substances at the Site.” USEPA stated that it “may issue special notice letters to [NCR] and other PRPs for future RI/FS [remedial investigation / feasibility studies] and RD/RA [remedial design / remedial action] negotiations.”

In connection with the Kalamazoo River site, in December 2010 the Company, along with two other defendants, was sued in federal court by three GP affiliate corporations in a private-party contribution and cost recovery action for alleged pollution. The suit, pending in Michigan, asks that the Company and other defendants pay a “fair portion” of these companies’ costs. Various removal and remedial actions remain to be decided upon and performed at the Kalamazoo River site, the total costs for which generally remain undetermined; in 2017, Records of Decisions were issued for two parts of the river, and in 2018 such a decision was issued for another part of the river, but such decisions for the majority of the work are expected to be made only over the next several years. The suit alleges that the Company is liable to the GP entities as an “arranger” under CERCLA. The initial phase of the case was tried in a Michigan federal court in February 2013; on September 26, 2013 the court issued a decision that held NCR was liable as an “arranger” as of at least March 1969. (PCB-containing carbonless copy paper was produced from approximately 1954 to April 1971, and the majority of contamination at the Kalamazoo River site had occurred prior to 1969). NCR preserved its right to appeal the September 2013 decision.

In the 2013 decision the Court did not determine NCR’s share of the overall liability. Relative shares of liability for the four companies were tried to the court in a subsequent phase of the case in December 2015. In a ruling issued on March 29, 2018,

the court addressed responsibility for the costs that GP had incurred in the past, totaling to approximately $50 million (GP had sought approximately $105 million, but $55 million of those claims were removed by the court upon motions filed by the Company and other parties); NCR and GP were each assigned a 40% share of those costs, and the other two companies were assigned 15% and 5% as their allocations. The court entered a judgment in the case on June 19, 2018, in which it indicated that it would not allocate future costs, but would enter a declaratory judgment that the four companies together had responsibility for future costs, in amounts and shares to be determined. Cross-proceedings have been commenced to obtain recoveries from the other parties pursuant to the judgment; those proceedings were stayed pending the appeal referenced below.

In July 2018, the Company appealed to the United States Court of Appeals for the Sixth Circuit both the 2013 court decision, which it believes is in conflict with a decision from the Fox River trial court as to Operable Unit 1 of that site and an affirmance of that decision from the Court of Appeals for the Seventh Circuit, and the 2018 court decision, on various legal grounds. The Company filed a bond to stay any execution of the judgment pending the appeal, and its application for a stay was approved by the court and remains stayed until the Company filed its dismissal of the appeal on December 31, 2020 pursuant to a Consent Decree, noted below.

During the pendency of the Sixth Circuit stay, the Company negotiated a settlement of the Kalamazoo River matter with the USEPA and other government agencies having oversight over the river. On December 5, 2019, the Company entered into a Consent Decree, filed with the District Court on December 11, 2019, and on December 2, 2020, the District Court approved the Consent Decree, which has now resolved all litigation associated with the river clean-up, including the Sixth Circuit appeal. The Consent Decree requires the Company to pay GP its 40% share of past costs, to pay the USEPA and state agencies their past and future administrative costs, and to dismiss its Sixth Circuit appeal. The Consent Decree further requires the Company to take responsibility for the remediation of a portion, but not all, of the Kalamazoo River. The Consent Decree further provides the Company protection from other PRPs, including GP, seeking contribution for their costs associated with the clean-up anywhere on the river, thereby resolving the allocation of future costs left unresolved by the June 19, 2019 judgment.

NCR expects to have claims against BAT and API under the Funding Agreement discussed above for the Kalamazoo River remediation expenses. API filed for bankruptcy protection in October 2017, and thus payment of its potential share under the Funding Agreement for so-called “future sites,” which would include the Kalamazoo River site, may be at risk, but as liability under the Cost Sharing Agreement and the Funding Agreement is joint and several, the bankruptcy is not anticipated to affect the Company’s ability to seek that amount from BAT. The Company will also have indemnity or reimbursement claims against AT&T and Nokia under the arrangement discussed above in connection with the Fox River matter after expenses have met a contractual threshold set out in the 1996 agreement referenced above in the Fox River discussion.

As of December 31, 2021 and December 31, 2020, the total reserve for Kalamazoo was $99 million and $164 million, respectively. The reserve is reported on a basis that is net of expected contributions from the Company's co-obligors and indemnitors, subject to when the applicable threshold is reached. While the Company believes its co-obligors' and indemnitors' obligations are as previously reported, the reserve reflects changes in positions taken by some of those co-obligors and indemnitors with respect to the Kalamazoo River. The contributions from its co-obligors and indemnitors are expected to range from $70 million to $150 million and the Company will continue to pursue such contribution.

As many aspects of the costs of remediation will not be determined for several years (and thus the high end of a range of possible costs for many areas of the site cannot be quantified at this time), the Company has made what it considers to be reasonable estimates of the low end of a range for such costs where remedies are identified, and/or of the costs of investigations and studies for areas of the river where remedies have not yet been determined, and the reserve is informed by those estimates. The extent of NCR’s potential liability remains subject to many uncertainties, notwithstanding the settlement of this matter and related Consent Decree noted above, particularly in as much as remedy decisions and cost estimates will not be generated until times in the future and as most of the work to be performed will take place through the 2030s. Under other assumptions or estimates for possible costs of remediation, which the Company does not at this point consider to be reasonably estimable or verifiable, it is possible that the reserve the Company has taken to discontinued operations reflected in this paragraph could more than approximately double the reflected reserve.

Ebina The Company is engaged in cooperative regulatory compliance activities with the government of Japan in connection with certain environmental contaminants generated in its past operations in that country. The Company has quantities of PCB and other wastes primarily from its former plant at Oiso, Japan, including capsulated undiluted solutions manufactured in the past, capacitors, light ballasts and PCB-affected soil from the Oiso plant that was excavated and placed in steel drums. These wastes are stored in a facility at Ebina, Japan in accordance with Japanese regulations governing such materials. Over the past several years, Japan has enacted and amended legislation governing such wastes, and has set a current deadline for treating and disposing of (at government-constructed disposal facilities) the highest-concentration wastes by 2027. Lower-concentration

wastes can be and have been disposed of via private contractors, and as of December 31, 2021, NCR had disposed of approximately 68% of its lower-concentration wastes and approximately 44% of its higher concentration wastes.

The Company and its consultants have met and communicated regularly with the Japanese agency charged with administration of the law, and are working with that agency on a program to manage disposal of the high-concentration wastes, including tests of technologies to make the disposal more efficient. The government has given its final approvals, and the Company has started to dispose of the high-concentration wastes in 2021, with final deadlines for various of the government-constructed disposal sites currently set for 2022, 2023 and later. Low-concentration wastes are required to be contracted for disposal by 2027, a timetable that the Company expects to meet. In September 2019, the Company’s environmental consultants, following a series of communications and meetings with the Japanese agency, at the Company’s request prepared an estimate of remaining disposal costs over the coming several years. While the estimate is subject to a range of assumptions and uncertainties, including prospects of cost reduction in coordination with the agency as certain field testing to separate high-concentration and low-concentration waste progresses over the coming years, the Company has adjusted its existing reserve for the matter to take into account this cost estimate, and that reserve as of December 31, 2021 and 2020 is $16 million and $20 million, respectively. The Japan environmental waste issue is treated as a compliance matter and not as litigation or enforcement, and the Company has received no threats of litigation or enforcement.

Environmental-Related Insurance Recoveries In connection with the Fox River and other environmental sites, through December 31, 2021, NCR has received a combined gross total of approximately $205 million in settlements reached with various of its insurance carriers. Portions of many of these settlements agreed in the 2010 through 2013 timeframe are payable to a law firm that litigated the claims on the Company's behalf. Some of the settlements cover not only the Fox River but also other environmental sites; some are limited to either the Fox River or the Kalamazoo River site. Some of the settlements are directed to defense costs and some are directed to indemnity; some settlements cover both defense costs and indemnity. The Company does not anticipate that further material insurance recoveries specific to Kalamazoo River remediation costs will be available to it, but is currently in settlement discussions with certain carriers over amounts potentially owed to the Company. In December 2021, the Company recovered approximately $3 million as a result of those discussions. Settlement discussions are continuing with the remaining carriers. Claims with respect to Kalamazoo River defense costs have now been settled, with the amounts of those settlements included in the sum reported above.

Environmental Remediation Estimates It is difficult to estimate the future financial impact of environmental laws, including potential liabilities. NCR records environmental provisions when it is probable that a liability has been incurred and the amount or range of the liability is reasonably estimable; in accordance with accounting guidance, where liabilities are not expected to be quantifiable or estimable for a period of years, the estimated costs of investigating those liabilities are recorded as a component of the reserve for that particular site. Provisions for estimated losses from environmental restoration and remediation are, depending on the site, based generally on internal and third-party environmental studies, estimates as to the number and participation level of other PRPs, the extent of contamination, estimated amounts for attorney and other fees, and the nature of required clean-up and restoration actions. Reserves are adjusted as further information develops or circumstances change. Management expects that the amounts reserved from time to time will be paid out over the period of investigation, negotiation, remediation and restoration for the applicable sites. The amounts provided for environmental matters in NCR's Consolidated Financial Statements are the estimated gross undiscounted amounts of such liabilities, without deductions for indemnity insurance, third-party indemnity claims or recoveries from other PRPs, except as qualified in the following sentences. In those cases where insurance carriers or third-party indemnitors have agreed to pay any amounts and management believes that collectability of such amounts is probable, the amounts are recorded in the Consolidated Financial Statements. For the Fox River and Kalamazoo River sites, as described above, assets relating to the AT&T and Nokia indemnities and to the BAT obligations are recorded as payment is supported by contractual agreements, public filings and/or payment history.

Other Matters Kristen Schertzer, et al On March 1, 2019, Cardtronics was named as a defendant in a purported class action lawsuit stylized as Kristen Schertzer, et al. v. Bank of America, N.A., et al., Case No. 3:19-cv-00264, in the United States District Court for the Southern District of California, which alleges harm related to balance inquiry transactions. On September 28, 2020, the District Court issued a denial of Cardtronics’ motion to dismiss and the matter proceeded to the discovery phase. In October 2021, Cardtronics and the putative class representative agreed to settle this matter as to the company only on an individual plaintiff basis. The litigation continues as to the other defendants. On October 22, 2021, Cardtronics was dismissed from this case.

Guarantees and Product Warranties In the ordinary course of business, NCR may issue performance guarantees on behalf of its subsidiaries to certain of its customers and other parties. Some of those guarantees may be backed by standby letters of credit, surety bonds, or similar instruments. In general, under the guarantees, NCR would be obligated to perform, or cause performance, over the term of the underlying contract in the event of an unexcused, uncured breach by its subsidiary, or some

other specified triggering event, in each case as defined by the applicable guarantee. NCR believes the likelihood of having to perform under any such guarantee is remote. As of December 31, 2021 and 2020, NCR had no material obligations related to such guarantees, and therefore its Consolidated Financial Statements do not have any associated liability balance.

NCR provides its customers a standard manufacturer’s warranty and records, at the time of the sale, a corresponding estimated liability for potential warranty costs. Estimated future obligations due to warranty claims are based upon historical factors, such as labor rates, average repair time, travel time, number of service calls per machine and cost of replacement parts. When a sale is consummated, the total customer revenue is recognized, provided that all revenue recognition criteria are otherwise satisfied, and the associated warranty liability is recorded using pre-established warranty percentages for the respective product classes.

From time to time, product design or quality corrections are accomplished through modification programs. When identified, associated costs of labor and parts for such programs are estimated and accrued as part of the warranty reserve.

The Company recorded the activity related to the warranty reserve for the years ended December 31 as follows:


In millions	2021		2020		2019
Warranty reserve liability
Beginning balance as of January 1	$	18	$	21	$	26
Accruals for warranties issued	28		30		37
Settlements (in cash or in kind)	(27)		(33)		(42)
Ending balance as of December 31	$	19	$	18	$	21

In addition, NCR provides its customers with certain indemnification rights. In general, NCR agrees to indemnify the customer if a third-party asserts patent or other infringement on the part of its customers for its use of the Company’s products subject to certain conditions that are generally standard within the Company’s industries. On limited occasions, the Company will undertake additional indemnification obligations for business reasons. From time to time, NCR also enters into agreements in connection with its acquisition and divestiture activities that include indemnification obligations by the Company. The fair value of these indemnification obligations is not readily determinable due to the conditional nature of the Company’s potential obligations and the specific facts and circumstances involved with each particular agreement. The Company has not recorded a liability in connection with these indemnifications, and no current indemnification instance is material to the Company’s financial position. Historically, payments made by the Company under these types of agreements have not had a material effect on the Company’s consolidated financial condition, results of operations or cash flows.

Purchase Commitments The Company has purchase commitments for materials, supplies, services, and property, plant and equipment as part of the normal course of business. This includes a long-term service agreement with Accenture, under which many of NCR's key transaction processing activities and functions are performed.

Derivatives and Hedging Instruments - Gain (Loss) on Derivatives (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	$ 9	$ (8)	$ 6
Amount of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)	(1)	(7)	8
Foreign Exchange Derivative [Member] \| Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	0	(8)	6
Foreign Exchange Derivative [Member] \| Cost of Products [Member] \| Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)	0	7	(8)
Interest Rate Contract \| Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	9	0	0
Interest Rate Contract \| Cost of Products [Member] \| Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)	$ 1	$ 0	$ 0

Business Combinations and Divestitures (Tables)

12 Months Ended

Dec. 31, 2021

Cardtronics

Business Acquisition [Line Items]

Schedule of Business Acquisitions by Acquisition, Contingent Consideration

The purchase consideration transferred consisted of the following:


In millions	Purchase Consideration
Cash paid to common stockholders and holders of certain restricted stock and stock option awards	$	1,775
Debt repaid by NCR on behalf of Cardtronics	809
Transaction costs paid by NCR on behalf of Cardtronics	57
Fair value of converted Cardtronics awards attributable to pre-combination services	19
Settlement of pre-existing relationships	14
Total purchase consideration	$	2,674

Schedule of Business Acquisitions, by Acquisition [Table Text Block]

The preliminary allocation of the purchase price for Cardtronics is as follows:


In millions	Fair Value
Assets acquired
Cash and restricted cash	$	291
Trade accounts receivable	85
Prepaid expenses, other current assets and other assets	194
Property, plant and equipment	362
Estimated acquisition-related intangible assets	864
Total assets acquired	$	1,796

Liabilities assumed	726
Net assets acquired, excluding goodwill	1,070
Total purchase consideration	2,674
Estimated goodwill	$	1,604

Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	373	15
Technology - Software	441		8
Non-compete	1		1
Tradenames	49		4
Total acquired intangible assets	$	864

Business Acquisition, Pro Forma Information [Table Text Block]

The unaudited pro forma consolidated results of operations, assuming the acquisition had occurred on January 1, 2020, are as follows:


In millions	For the year ended December 31
	2021		2020
Revenue	$	7,634	$	7,210
Net income (loss) attributable to NCR	$	286	$	(216)

Freshop, Terafina, Dumac

Business Acquisition [Line Items]

Schedule of Business Acquisitions, by Acquisition [Table Text Block]

The allocation of the purchase prices is as follows:


In millions	Fair Value
Cash acquired	$	2
Tangible assets acquired	7
Acquired intangible assets other than goodwill	52
Acquired goodwill	81
Deferred tax liabilities	(3)
Liabilities assumed	(13)
Total purchase consideration	$	126

Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]

The following table sets forth the components of the intangible assets acquired as of the acquisition dates:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	11	10
Technology - Software	36		8
Non-compete	1		1
Tradenames	4		9
Total acquired intangible assets	$	52

Business Acquisition, OKI Brasil [Member]

Business Acquisition [Line Items]

Schedule of Business Acquisitions, by Acquisition [Table Text Block]


In millions	Fair Value
Cash acquired	$	1
Investments acquired	9
Tangible assets acquired	18
Bargain purchase gain on business acquisition	(7)
Liabilities assumed	(16)
Total purchase consideration	$	5

D3 Technology [Member]

Business Acquisition [Line Items]

Schedule of Business Acquisitions, by Acquisition [Table Text Block]

The final allocation of the purchase price for D3 is as follows:


In millions	Fair Value
Cash acquired	$	9
Tangible assets acquired	6
Acquired intangible assets other than goodwill	20
Acquired goodwill	51
Deferred tax assets	6
Liabilities assumed	(8)
Total purchase consideration	$	84

Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Direct customer relationships	$	7	11
Technology - Software	11		5
Tradenames	2		7
Total acquired intangible assets	$	20

Zynstra Ltd. [Member]

Business Acquisition [Line Items]

Schedule of Business Acquisitions, by Acquisition [Table Text Block]

The final allocation of the purchase price for Zynstra is as follows:


In millions	Fair Value
Cash acquired	$	1
Tangible assets acquired	1
Acquired intangible assets other than goodwill	76
Acquired goodwill	66
Deferred tax liability	(9)
Liabilities assumed	(1)
Total purchase consideration	$	134

Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]

The following table sets forth the components of the intangible assets acquired as of the acquisition date:


	Fair Value		Weighted Average Amortization Period (1)
	(In millions)		(In years)
Technology - Software	$	75	8
Tradenames	1		1
Total acquired intangible assets	$	76

Debt Obligations

12 Months Ended

Dec. 31, 2021

Debt Disclosure [Abstract]

Debt Obligations

5. DEBT OBLIGATIONS

The following table summarizes the Company's short-term borrowings and long-term debt:


		December 31, 2021			December 31, 2020
In millions, except percentages		Amount		Weighted-Average Interest Rate	Amount		Weighted-Average Interest Rate
Short-Term Borrowings
Current portion of Senior Secured Credit Facility (1)		$	56	2.63%	$	8	2.65%

Other (1)		1		2.13%	—		—%
	Total short-term borrowings	$	57		$	8
Long-Term Debt
Senior Secured Credit Facility:
	Term loan facilities (1)	$	1,884	2.63%	$	733	2.65%
	Revolving credit facility (1)	380		2.36%	75		2.40%
Senior Notes:


	8.125% Senior Notes due 2025	—			400
	5.750% Senior Notes due 2027	500			500
	5.000% Senior Notes due 2028	650			650
	5.125% Senior Notes due 2029	1,200			—
	6.125% Senior Notes due 2029	500			500
	5.250% Senior Notes due 2030	450			450
Deferred financing fees		(60)			(40)
Other (1)		1		6.62%	2		7.68%
	Total long-term debt	$	5,505		$	3,270

(1) Interest rates are weighted average interest rates as of December 31, 2021 and 2020.

Senior Secured Credit Facility On February 4, 2021, the Company entered into a fourth amendment to the Senior Secured Credit Facility, and, on February 16, 2021 the Company entered into (a) an amended and restated commitment letter (the “Commitment Letter”), with certain financial institutions party thereto (collectively, the “Commitment Parties”), (b) an incremental term loan A facility agreement (the “Incremental Term Agreement”) with the financial institutions party thereto as lenders, NCR International, Inc. (the “Guarantor Subsidiary”), and JPMorgan Chase Bank N.A., as the administrative agent (in such capacity, the “Administrative Agent”) and (c) an incremental revolving facility agreement (the “Incremental Revolving Agreement”) with certain financial institutions party thereto as lenders, the Guarantor Subsidiary, certain of the subsidiaries of NCR as borrowers (collectively, the “Foreign Borrowers”) and the Administrative Agent.

Pursuant to the Commitment Letter, the Company obtained commitments for a senior bridge facility (which was intended to be secured, but a portion of which may have been unsecured) in an aggregate principal amount of $1.0 billion (the “Bridge Facility”). The Bridge Facility would have been available to the Company for the purpose of financing the Cardtronics Transaction if, and to the extent, certain securities offerings were not issued on or prior to the closing of the Cardtronics Transaction. As noted below, on April 6, 2021, the Company issued $1.2 billion aggregate principal amount of 5.125% senior notes due 2029 (the “5.125% Notes”) which financed a portion of the purchase price consideration in connection with the Cardtronics Transaction. As a result, the commitments with respect to the Bridge Facility were terminated.

Pursuant to the Incremental Term Agreement, the Company obtained a senior secured incremental term loan A facility under the Senior Secured Credit Facility, in an aggregate principal amount of $1.505 billion (the “TLA Facility”). The senior secured credit facility also includes a senior secured term loan B facility (the “TLB Facility”) in an aggregate principal amount of $750 million.

Pursuant to the Incremental Revolving Agreement, the lenders party thereto provided the Company and the Foreign Borrowers with a $1.1 billion revolving credit facility under the Senior Secured Credit Facility to replace the Company’s existing senior secured revolving credit facility. The revolving credit facility also allows a sub-facility to be used for letters of credit, and, as of December 31, 2021, outstanding letters of credit were $26 million.

On June 24, 2021 (the “Conversion Effective Date”), the Company entered into an Incremental Revolving Facility Agreement (TLA-2 Conversion) (the “Incremental Revolving Conversion Agreement”), with the Guarantor Subsidiary and the Foreign Borrowers, the lenders party thereto and the Administrative Agent. Pursuant to the Incremental Revolving Conversion

Agreement, $200 million of the TLA Facility was converted into an equal principal amount of senior secured incremental revolving credit commitments (the “Incremental Revolving Commitments”). The Incremental Revolving Conversion Agreement also amends and restates the credit agreement (the “Amended and Restated Credit Agreement”) to reflect, among other things, the Incremental Revolving Commitments, the TLA Facility and the Replacement Revolving Facility.

As a result, the aggregate principal amount under the TLA Facility is $1.305 billion and under the revolving credit facility is $1.3 billion. As of December 31, 2021, the term loan facilities (the TLA Facility and the TLB Facility) under the Senior Secured Credit Facility have an aggregate principal amount of $2.055 billion, of which $1.94 billion was outstanding. Additionally, as of December 31, 2021, there was $380 million outstanding under the revolving credit facility. Our borrowing capacity under our senior secured credit facility was $894 million at December 31, 2021.

The terms of the Incremental Revolving Commitments are identical to the terms of the commitments under the Replacement Revolving Facility (together with the Incremental Revolving Commitments, the “Revolving Credit Facility”). Up to $400 million of the revolving credit facility is available to the Foreign Borrowers, as long as there is availability under the revolving credit facility. Term loans were made to the Company in U.S. Dollars, and loans under the revolving credit facility are available in U.S. Dollars, Euros and Pound Sterling.

The outstanding principal balance of the TLB facility is required to be repaid in equal quarterly installments of 0.25% of the original aggregate principal amount that began with the fiscal quarter ending December 31, 2019, with the balance being due at maturity on August 28, 2026 (the “TLB Maturity Date”).

The outstanding principal balance of the TLA Facility is required to be repaid in equal quarterly installments of 1.875% of the original aggregate principal amount thereof, beginning with the fiscal quarter ending September 30, 2021, with the balance being due at maturity on the earlier of (a) June 21, 2026 and (b) unless the loans under TLB Facility have been repaid prior to such date, the date that is 91 days prior to the TLB Maturity Date.

Commitments under the Revolving Credit Facility are scheduled to terminate on the earlier of (a) June 21, 2026 and (b) unless the loans under TLB Facility have been repaid prior to such date, the date that is 91 days prior to the TLB Maturity Date. Loans under the Revolving Credit Facility may be repaid and reborrowed prior to such date, subject to the satisfaction of customary conditions.

Amounts covered under the Revolving Credit Facility and the TLA Facility bear interest at LIBOR (or, in the case of amounts denominated in Euros, EURIBOR), or, at our option, in the case of amounts denominated in U.S. Dollars, at a base rate equal to the highest of (i) the federal funds rate plus 0.50%, (ii) the rate of interest last quoted by the Wall Street Journal as the “prime rate”, (iii) the one-month LIBOR rate plus 1.00%, and (iv) 0.00% per annum (the “Base Rate”), plus, in each case, a margin ranging from 1.25% to 2.75% per annum for LIBOR-based and EURIBOR-based loans under such facilities and ranging from 0.25% to 1.75% per annum for Base Rate-based loans under such facilities, in each case, depending on our consolidated leverage ratio. Prior to the delivery of our financial statements for the fiscal quarter ended September 30, 2021, the applicable margin was 2.50% for LIBOR-based and EURIBOR-based loans under such facilities and 1.50% for Base Rate-based loans under such facilities. Amounts borrowed under the TLB Facility bear interest at LIBOR or, at our option, at the Base Rate, plus, in each case, a margin of 2.50% per annum for LIBOR-based loans and 1.50% per annum for Base Rate-based loans. The Amended and Restated Credit Agreement contains customary LIBOR and EURIBOR replacement provisions. The daily unused portion of the Revolving Credit Facility is subject to a commitment fee ranging from 0.15% to 0.45% per annum, depending on our consolidated leverage ratio.

The obligations under the Senior Secured Credit Facility are guaranteed by certain of the Company’s domestic material subsidiaries including the Guarantor Subsidiary and certain domestic subsidiaries acquired through the Cardtronics Transaction that joined as guarantors on September 30, 2021 (collectively, the “Cardtronics Guarantors” and together with the Guarantor Subsidiary, the “Guarantors”). The obligations under the Senior Secured Credit Facility and the above described guarantee are secured by a first priority lien and security interest in certain equity interests owned by the Company and the Guarantors in certain of their respective domestic and foreign subsidiaries, and a first priority lien and security interest in substantially all of the assets of the Company and the Guarantors, subject to certain exclusions. These security interests would be released if the Company achieves an “investment grade” rating and will remain released so long as the Company maintains that rating.

The Senior Secured Credit Facility includes affirmative and negative covenants that restrict or limit the ability of the Company and its subsidiaries to, among other things, incur indebtedness; create liens on assets; engage in certain fundamental corporate changes or changes to the Company's business activities; make investments; sell or otherwise dispose of assets; engage in sale-leaseback or hedging transactions; repurchase stock, pay dividends or make similar distributions; repay other indebtedness;

engage in certain affiliate transactions; or enter into agreements that restrict the Company's ability to create liens, pay dividends or make loan repayments. The Senior Secured Credit Facility also includes a financial covenant with respect to the Revolving Credit Facility and the TLA Facility. The financial covenant requires the Company to maintain:

•A consolidated leverage ratio on the last day of any fiscal quarter, not to exceed (i) in the case of any fiscal quarter ending on or prior to December 31, 2021, 5.50 to 1.00, (ii) in the case of any fiscal quarter ending on or prior to September 30, 2022, 5.25 to 1.00, and (iii) in the case of any fiscal quarter ending on or after December 31, 2022, 4.75 to 1.00.

The Company has the option to elect to increase the maximum permitted leverage ratio for the periods described in the foregoing clause (iii) by 0.25 in connection with the consummation of any material acquisition (as defined in the Senior Secured Credit Facility) for three fiscal quarters.

The Senior Secured Credit Facility also includes provisions for events of default, which are customary for similar financings. Upon the occurrence of an event of default, the lenders may, among other things, terminate the loan commitments, accelerate all loans and require cash collateral deposits in respect of outstanding letters of credit. If the Company is unable to pay or repay the amounts due, the lenders could, among other things, proceed against the collateral granted to them to secure such indebtedness.

For the year ended December 31, 2021, the Company incurred financing fees of $19 million related to certain structuring and commitment fees as a result of the above referenced financing transactions entered into during the first quarter of 2021.

The Company may request, at any time and from time to time one or more incremental term loans and/or revolving credit facilities (subject to the agreement of existing lenders or additional financial institutions to provide such term loans and/or revolving credit facilities) and with no requirement that existing lenders providing such facilities with commitments in an aggregate amount not to exceed the greater of (i) $150 million, and (ii) such amount as would not cause the leverage ratio under the Senior Secured Credit Facility, calculated on a pro forma basis including the incremental facility and assuming that it and the revolver are fully drawn, to exceed 3.00 to 1.00, and the proceeds of which can be used for working capital requirements and other general corporate purposes.

Senior Unsecured Notes On August 21, 2019, the Company issued $500 million aggregate principal amount of 5.750% senior unsecured notes due in 2027 (the “5.750% Notes”). The 5.750% Notes were sold at 100% of the principal amount with a maturity date of September 1, 2027. The 5.750% Notes were issued without registration rights. The Company has the option to redeem the 5.750% Notes, in whole or in part, at any time on or after September 1, 2022, at a redemption price of 102.875%, 101.438%, and 100% during the 12-month periods commencing on September 1, 2022, 2023 and 2024 and thereafter, respectively, plus accrued and unpaid interest to the redemption date. Prior to September 1, 2022, the Company may redeem the 5.750% Notes, in whole or in part, at a redemption price equal to 100% of the principal amount plus a make-whole premium and accrued and unpaid interest to the redemption date.

On August 21, 2019, the Company issued $500 million aggregate principal amount of 6.125% senior unsecured notes due in 2029 (the “6.125% Notes”). The 6.125% Notes were sold at 100% of the principal amount with a maturity date of September 1, 2029. The 6.125% Notes were issued without registration rights. The Company has the option to redeem the 6.125% Notes, in whole or in part, at any time on or after September 1, 2024, at a redemption price of 103.063%, 102.042%, 101.021% and 100% during the 12-month periods commencing on September 1, 2024, 2025, 2026 and 2027 and thereafter, respectively, plus accrued and unpaid interest to the redemption date. Prior to September 1, 2024, the Company may redeem the 6.125% Notes, in whole or in part, at a redemption price equal to 100% of the principal amount plus a make-whole premium and accrued and unpaid interest to the redemption date.

On August 20, 2020, the Company issued $650 million aggregate principal amount of 5.000% senior unsecured notes due in 2028 (the “5.000% Notes”) and $450 million aggregate principal amount of 5.250% senior unsecured notes due in 2030 (the “5.250% Notes”). Interest is payable on the 5.000% and 5.250% Notes semi-annually in arrears at interest rates of 5.000% and 5.250%, respectively, on April 1 and October 1 of each year beginning April 1, 2021. The 5.000% and 5.250% Notes were sold at 100% of the principal amount and with maturity dates of October 1, 2028 and October 1, 2030, respectively.

At any time and from time to time, prior to October 1, 2023, the Company may redeem up to a maximum of 40% of the original aggregate principal amount of either the 5.000% or 5.250% Notes with the proceeds of one or more equity offerings, at a redemption price equal to 105.000%, with respect to the 5.000% Notes, and 105.250%, with respect to the 5.250% Notes, of the principal amount thereof, plus accrued and unpaid interest thereon, if any, to, but not including, the redemption date (subject to

the right of holders of record on the relevant record date to receive interest due on the relevant interest payment date); provided that: (i) at least 55% of the original aggregate principal amount of the 5.000% or 5.250% Notes remains outstanding; and (ii) such redemption occurs within 180 days of the completion of such equity offering.

Prior to October 1, 2023, with respect to the 5.000% Notes, or October 1, 2025, with respect to the 5.250% Notes, the Company may redeem some or all of such series of Notes by paying a redemption price equal to 100% of the principal amount of the Notes to be redeemed plus the Applicable Premium, as defined in the Indenture, as of, and accrued and unpaid interest to, but excluding, the redemption date (subject to the right of holders of record of the Notes on the relevant record date to receive interest due on the relevant interest payment date).

The Company has the option to redeem the 5.000% Notes, in whole or in part, at any time on or after October 1, 2023, at a redemption price of 102.500%, 101.250%, and 100% during the 12-month periods commencing on October 1, 2023, 2024 and 2025 and thereafter, respectively, plus accrued and unpaid interest to the redemption date. The Company has the option to redeem the 5.250% Notes, in whole or in part, at any time on or after October 1, 2025, at a redemption price of 102.625%, 101.750%, 100.875%, and 100% during the 12-month periods commencing on October 1, 2025, 2026, 2027 and 2028 and thereafter, respectively, plus accrued and unpaid interest to the redemption date.

The senior unsecured notes are guaranteed by certain of the Company's domestic material subsidiaries (including the Guarantor Subsidiary and the Cardtronics Guarantors that joined as guarantors on October 14, 2021), which have guaranteed fully and unconditionally the obligations to pay principal and interest for these senior unsecured notes. The terms of the indentures for these notes limit the ability of the Company and certain of its subsidiaries to, among other things, incur additional debt or issue redeemable preferred stock; pay dividends or make certain other restricted payments or investments; incur liens; sell assets; incur restrictions on the ability of the Company's subsidiaries to pay dividends to the Company; enter into affiliate transactions; engage in sale and leaseback transactions; and consolidate, merge, sell or otherwise dispose of all or substantially all of the Company's or such subsidiaries' assets. These covenants are subject to significant exceptions and qualifications. For example, if these notes are assigned an “investment grade” rating by Moody's or S&P and no default has occurred or is continuing, certain covenants will be terminated.

On April 6, 2021, the Company issued the 5.125% Notes due 2029. The Company used the net proceeds from the issuance of the 5.125% Notes, together with the borrowing under its senior secured credit facilities to finance the consideration paid in connection with the Cardtronics Transaction.

The 5.125% Notes are senior unsecured obligations of the Company and guaranteed by the Guarantors.

Interest is payable on the 5.125% Notes semi-annually in arrears at annual rates of 5.125% on April 15 and October 15 of each year, beginning on October 15, 2021. The 5.125% Notes will mature on April 15, 2029.

At any time and from time to time, prior to April 15, 2024, the Company may redeem up to a maximum of 40% of the original aggregate principal amount of the 5.125% Notes with the proceeds of one or more equity offerings, at a redemption price equal to 105.125% of the principal amount thereof, plus accrued and unpaid interest thereon, if any, to, but not including, the redemption date (subject to the right of holders of record on the relevant record date to receive interest due on the relevant interest payment date); provided that: (i) at least 55% of the original aggregate principal amount of the applicable 5.125% Notes remains outstanding; and (ii) such redemption occurs within 180 days of the completion of such equity offering.

Prior to April 15, 2024, the Company may redeem some or all of the 5.125% Notes by paying a redemption price equal to 100% of the principal amount of the Notes to be redeemed plus the applicable premium, as defined in the applicable indenture, as of, and accrued and unpaid interest to, but excluding, the applicable redemption date (subject to the right of holders of record of the applicable 5.125% Notes on the relevant record date to receive interest due on the relevant interest payment date).

On or after April 15 of the relevant year listed below, the Company may redeem some or all of the 5.125% Notes at the prices listed below, plus accrued and unpaid interest, if any, to, but not including, the redemption date (subject to the right of holders of record on the relevant record date to receive interest due on the relevant interest payment date): 2024 at a redemption price of 102.563%, 2025 at a redemption price of 101.281% and 2026 and thereafter at a redemption price of 100%.

The 5.125% Notes contains customary events of default, including, among other things, payment default, exchange default, failure to provide certain notices thereunder and certain provisions related to bankruptcy events. The indenture also contains customary high yield affirmative and negative covenants, including negative covenants that, among other things, limit the

Company and its restricted subsidiaries’ ability to incur additional indebtedness, create liens on, sell or otherwise dispose of assets, engage in certain fundamental corporate changes or changes to lines of business activities, make certain investments or material acquisitions, engage in sale-leaseback or hedging transactions, repurchase common stock, pay dividends or make similar distributions on capital stock, repay certain indebtedness, engage in certain affiliate transactions and enter into agreements that restrict their ability to create liens, pay dividends or make loan repayments.

On August 12, 2021 (the “Redemption Date”), the $400 million 8.125% Notes were redeemed, at a redemption premium of 109.136% of the aggregate principal amount. As part of the debt extinguishment, we recognized a loss of $42 million, which includes the write-off of deferred financing fees of $5 million and a cash redemption premium of $37 million.

On September 19, 2020, the Company redeemed all of its outstanding $600 million aggregate principal amount of 5.000% senior unsecured notes due in 2022 and $700 million aggregate principal amount of 6.375% senior unsecured notes due in 2023. The 5.00% notes were redeemed at 100% plus accrued and unpaid interest. The 6.375% notes were redeemed at a premium of 102.125% plus accrued and unpaid interest. As a part of the debt extinguishment, we recognized a loss of $20 million, which includes the write-off of deferred financing fees of $5 million and a cash redemption premium of $15 million.

Trade Receivables Securitization Facility In November 2014, the Company established a revolving trade receivables securitization facility (the “T/R Facility”) with PNC Bank, National Association (“PNC”) as the administrative agent, and various lenders. The T/R Facility, as amended in November 2019, provided for up to $300 million in funding based on the availability of eligible receivables and other customary factors and conditions, of which none was outstanding as of December 31, 2020. On September 30, 2021, the principal agreements for the T/R Facility were amended and restated to allow the Company's wholly-owned, bankruptcy remote subsidiary NCR Receivables LLC (the “U.S. SPE”) to sell to PNC and the other financial institutions participating in the T/R Facility an undivided ownership interest in a portion of the trade receivables owned by the U.S. SPE. In connection with this amendment and restatement, the U.S. SPE repaid in full its outstanding indebtedness under the T/R Facility and agreed to terminate and replace the lending commitments of PNC and the other financial institutions thereunder with commitments to purchase the U.S. SPE's trade receivables. Refer to Note 6, “Trade Receivables Facility”, for more information.

Debt Maturities Maturities of debt outstanding, in principal amounts, at December 31, 2021 are summarized below:


			For the years ended December 31
In millions	Total		2022		2023		2024		2025		2026		Thereafter
Debt maturities	$	5,622	$	57	$	106	$	486	$	105	$	1,568	$	3,300

Fair Value of Debt The Company utilized Level 2 inputs, as defined in the fair value hierarchy, to measure the fair value of the long-term debt, which, as of December 31, 2021 and 2020 was $5.74 billion and $3.49 billion, respectively. Management's fair value estimates were based on quoted prices for recent trades of NCR’s long-term debt, quoted prices for similar instruments, and inquiries with certain investment communities.

- 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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-Subparagraph (h)
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1I
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-Subparagraph (g)
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Topic 470
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Section 50
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-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Subparagraph (b)
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
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-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-Subparagraph (i)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611

+ Details

Receivables, Loans, Notes Receivable, and Others	12 Months Ended
Receivables, Loans, Notes Receivable, and Others	Dec. 31, 2021
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure	6. TRADE RECEIVABLES FACILITY On September 30, 2021, the Company and its wholly-owned United States bankruptcy-remote special purpose entity (“SPE”) amended and restated the principal agreements for the T/R Facility. The amended and restated agreements add the trade receivables originated by certain United States and Canadian subsidiaries of the Company to the T/R Facility. Furthermore, the amended and restated agreements enable the U.S. SPE to, from time to time, sell short-term trade receivables from certain customer trade accounts to PNC and the other unaffiliated purchasers on a revolving basis. The T/R Facility has a term of two years, which the Company and the U.S. SPE intend to renew. Under the T/R Facility, the Company and the other United States and Canadian subsidiaries continuously sell their trade receivables as they are originated to the U.S. SPE and another newly formed Canadian bankruptcy-remote special purpose entity (collectively, the “SPEs”), as applicable. None of the assets or credit of either SPE is available to satisfy the debts and obligations owed to the creditors of the Company or any other person until the obligations of the SPEs under the T/R Facility have been satisfied. The Company controls and therefore consolidates the SPEs in its consolidated financial statements. As cash is collected on the trade receivables, the U.S. SPE has the ability to continuously transfer ownership and control of new qualifying receivables to PNC and the other unaffiliated purchasers such that the total outstanding balance of trade receivables sold can be up to $300 million at any point in time, which is the maximum purchase commitment of PNC and the other unaffiliated purchasers. The future outstanding balance of trade receivables that are sold is expected to vary based on the level of activity and other factors and could be less than the maximum purchase commitment of $300 million. The total outstanding balance of trade receivables that have been sold and derecognized by the U.S. SPE to PNC and the other unaffiliated purchasers is approximately $300 million as of December 31, 2021. The SPEs collectively owned $228 million (excluding the $300 million of trade receivables sold to PNC and the other unaffiliated purchasers on December 31, 2021) and $428 million of trade receivable as of December 31, 2021 and December 31, 2020, respectively, and these amounts are included in Accounts receivable, net in the Company’s Consolidated Balance Sheets. Upon the amendment and restatement of the T/R Facility, the Company received a benefit from cash from operations of approximately $300 million in the year ended December 31, 2021. Continuous cash activity related to the T/R Facility is reflected in Net cash provided by operating activities in the Consolidated Statements of Cash Flows. The U.S. SPE incurs fees due and payable to PNC and the other unaffiliated purchasers participating in the T/R Facility. Those fees, which are immaterial, are recorded within Other income (expense), net in the Consolidated Statements of Operations. In addition, each of the SPEs has provided a full recourse guarantee in favor of PNC and the other unaffiliated purchasers of the full and timely payment of all trade receivables sold to them by the U.S. SPE. The guarantee is collateralized by all the trade receivables owned by each of the SPEs that have not been sold to PNC or the other unaffiliated purchasers. The reserve recognized for this recourse obligation as of December 31, 2021 is not material. The Company, or in the case of any Canadian trade receivables, NCR Canada Corp., continues to be involved with the trade receivables even after they are transferred to the SPEs (or further transferred to PNC and the other unaffiliated purchasers) by acting as servicer. In addition to any obligations as servicer, the Company and each of its subsidiaries acting as an originator under the T/R Facility provide the SPEs with customary recourse in respect of (i) certain dilutive events with respect to the trade receivables sold to the SPEs that are caused by the Company or another originator and (ii) in the event of certain violations by the Company or another originator of their representations and warranties with respect to the trade receivables sold to the SPEs. These servicing and originator liabilities of the Company and its subsidiaries (other than the SPEs) under the T/R Facility are not expected to be material, given the high quality of the customers underlying the receivables and the anticipated short collection period. The T/R Facility includes other customary representations and warranties, affirmative and negative covenants and default and termination provisions, which provide for the acceleration of amounts owed to PNC and the other unaffiliated purchasers thereunder in circumstances including, but not limited to, failure to pay capital or yield on when due, breach of representation, warranty or covenant, certain insolvency events or failure to maintain the security interest in the trade receivables, and defaults under other material indebtedness.

Debt Obligations Maturities of Long Term Debt (Details) $ in Millions	Dec. 31, 2021 USD ($)
Maturities of Long Term Debt Disclosure [Abstract]
Long-term Debt	$ 5,622
Long-Term Debt, Maturity, Year One	57
Long-Term Debt, Maturity, Year Two	106
Long-Term Debt, Maturity, Year Three	486
Long-Term Debt, Maturity, Year Four	105
Long-Term Debt, Maturity, Year Five	1,568
Long-Term Debt, Maturity, after Year Five	$ 3,300

- Definition

Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.

+ References + Details

Consolidated Statements of Operations - USD ($) shares in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Total revenue	$ 7,156,000,000	$ 6,207,000,000	$ 6,915,000,000
Selling, general and administrative expenses	(1,151,000,000)	(1,069,000,000)	(1,051,000,000)
Research and development expenses	(268,000,000)	(234,000,000)	(259,000,000)
Total operating expenses	6,682,000,000	5,986,000,000	6,304,000,000
Income from operations	474,000,000	221,000,000	611,000,000
Gain (Loss) on Extinguishment of Debt	(42,000,000)	(20,000,000)	0
Interest expense	(238,000,000)	(218,000,000)	(197,000,000)
Other income (expense), net	90,000,000	(42,000,000)	(73,000,000)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	284,000,000	(59,000,000)	341,000,000
Income tax expense (benefit)	186,000,000	(53,000,000)	(273,000,000)
Income (loss) from continuing operations	98,000,000	(6,000,000)	614,000,000
Loss (income) from discontinued operations	0	(72,000,000)	(50,000,000)
Net income (loss)	98,000,000	(78,000,000)	564,000,000
Net income attributable to noncontrolling interests	(1,000,000)	(1,000,000)	0
Net income (loss) attributable to NCR	97,000,000	(79,000,000)	564,000,000
Amounts attributable to NCR common stockholders:
Income (loss) from continuing operations	97,000,000	(7,000,000)	614,000,000
Series A convertible preferred stock dividends	(16,000,000)	(31,000,000)	(110,000,000)
Income (loss) from continuing operations attributable to common stockholders	81,000,000	(38,000,000)	504,000,000
Loss (income) from discontinued operations	0	(72,000,000)	(50,000,000)
Net income (loss) attributable to NCR common stockholders	$ 81,000,000	$ (110,000,000)	$ 454,000,000
Income (loss) per share attributable to NCR common stockholders:
Basic (in dollars per share)	$ 0.62	$ (0.30)	$ 4.13
Diluted (in dollars per share)	0.58	(0.30)	3.71
Net income (loss) per common share
Basic (in dollars per share)	0.62	(0.86)	3.72
Diluted (in dollars per share)	$ 0.58	$ (0.86)	$ 3.36
Weighted average common shares outstanding
Basic (in shares)	131.2	128.4	122.1
Diluted (net income)	139.0	128.4	145.2
Product [Member]
Total revenue	$ 2,193,000,000	$ 2,005,000,000	$ 2,681,000,000
Cost of products	1,850,000,000	1,733,000,000	2,146,000,000
Service [Member]
Total revenue	4,963,000,000	4,202,000,000	4,234,000,000
Cost of products	$ 3,413,000,000	$ 2,950,000,000	$ 2,848,000,000

Debt Obligations Fair Value of Debt (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Debt Disclosure [Abstract]
Debt Instrument, Fair Value Disclosure	$ 5,740	$ 3,490

Fair Value of Assets and Liabilities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity Method Investment, Other than Temporary Impairment	$ 0	$ 7	$ 0
Other than Temporary Impairment Losses, Investments		7
Assets, Fair Value Adjustment	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	17	22
Investments, Fair Value Disclosure	0	0
Foreign Currency Contract, Asset, Fair Value Disclosure	0	0
Interest Rate Derivative Assets, at Fair Value	0	0
Assets, Fair Value Disclosure	17	22
Foreign Currency Contracts, Liability, Fair Value Disclosure	0	0
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Investments, Fair Value Disclosure	0	2
Foreign Currency Contract, Asset, Fair Value Disclosure	1	0
Interest Rate Derivative Assets, at Fair Value	18	0
Assets, Fair Value Disclosure	19	2
Foreign Currency Contracts, Liability, Fair Value Disclosure	1	1
Financial and Nonfinancial Liabilities, Fair Value Disclosure	1	1
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Investments, Fair Value Disclosure	0	0
Foreign Currency Contract, Asset, Fair Value Disclosure	0	0
Interest Rate Derivatives, at Fair Value, Net	0
Interest Rate Derivative Assets, at Fair Value		0
Assets, Fair Value Disclosure	0	0
Foreign Currency Contracts, Liability, Fair Value Disclosure	0	0
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0	0
Estimate of Fair Value Measurement [Member] \| Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	17	22
Investments, Fair Value Disclosure	0	2
Foreign Currency Contract, Asset, Fair Value Disclosure	1	0
Interest Rate Derivative Assets, at Fair Value	18	0
Assets, Fair Value Disclosure	36	24
Foreign Currency Contracts, Liability, Fair Value Disclosure	1	1
Financial and Nonfinancial Liabilities, Fair Value Disclosure	$ 1	$ 1

Schedule II - Valuation and Qualifying Accounts (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
SEC Schedule, 12-09, Allowance, Credit Loss [Member]
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Period	$ 51	$ 44	$ 31
Charged to Costs & Expenses	2	33	24
Charged to Other Accounts	0	0	0
SEC Schedule, 12-09, Valuation Allowances and Reserves, Deduction	29	26	11
Balance at End of Period	24	51	44
Deferred Tax Asset Valuation Allowance [Member]
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Period	341	352	485
Charged to Costs & Expenses	45	26	23
Charged to Other Accounts	21	10	0
SEC Schedule, 12-09, Valuation Allowances and Reserves, Deduction	39	47	156
Balance at End of Period	$ 368	$ 341	$ 352

Goodwill and Purchased Intangible Assets Goodwill impairment charges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Impaired Long-Lived Assets Held and Used [Line Items]
Goodwill, Impairment Loss	$ 0	$ 0

Goodwill and Purchased Intangible Assets - Amorization Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization of Intangible Assets	$ 132	$ 81	$ 86
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2019	172
2020	168
2021	159
2022	147
Finite-Lived Intangible Asset, Expected Amortization, after Year Five	$ 136

Business Combinations and Divestitures Intangibles Acquired - Zynstra (Details) - Zynstra Ltd. [Member] $ in Millions	12 Months Ended
	Dec. 31, 2020 USD ($)
Patented Technology [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 75
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years
Trade Names [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 1
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	1 year
Total acquired intangible assets [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 76

Business Combinations and Divestitures Freshop, Dumac and Terafina (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Consideration Transferred	$ 2	$ 20
Additions	1,687	$ 1
Freshop, Terafina, Dumac
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Consideration Transferred	126
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	2
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	7
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill	52
Additions	81
Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Assets	(3)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	(13)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	52
Freshop, Terafina, Dumac \| Customer Relationships [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 11
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	10 years
Freshop, Terafina, Dumac \| Patented Technology [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 36
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years
Freshop, Terafina, Dumac \| Noncompete Agreements
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 1
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	1 year
Freshop, Terafina, Dumac \| Tradenames [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 4
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	9 years
Cardtronics
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Consideration Transferred	$ 2,674
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	291
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	1,796
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	(726)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	864
Cardtronics \| Customer Relationships [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 373
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	15 years
Cardtronics \| Patented Technology [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 441
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years
Cardtronics \| Noncompete Agreements
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 1
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	1 year
Cardtronics \| Tradenames [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 49
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	4 years

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net income (loss)	$ 98	$ (78)	$ 564
Currency translation adjustments
Currency translation adjustments	(30)	15	(29)
Derivatives
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	9	(8)	6
Loss (gains) on derivatives arising during the period	1	7	(8)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	(2)	0	1
Employee benefit plans
New prior service benefit (cost)	6	(1)	0
Amortization of prior service cost	(1)	(4)	(6)
Net gain (loss) arising during the period	(1)	(11)	12
Amortization of actuarial gain (loss)	(1)	(3)	(3)
Less income tax benefit (expense)	(1)	3	1
Other comprehensive income (loss)	(20)	(2)	(26)
Total comprehensive income (loss)	78	(80)	538
Less comprehensive income attributable to noncontrolling interests:
Net income	1	1	0
Currency translation adjustments	0	0	(3)
Amounts attributable to noncontrolling interests	1	1	(3)
Comprehensive income (loss) attributable to NCR common stockholders	$ 77	$ (81)	$ 541

Debt Obligations Senior Unsecured Notes (Details) - USD ($) $ in Millions		12 Months Ended
	Aug. 20, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Aug. 21, 2019	Dec. 19, 2013	Sep. 17, 2012
Debt Instrument [Line Items]
Long-term Debt		$ 5,622
Long-term debt		$ 5,505	$ 3,270
Percentage of Note required outstanding		55.00%
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed		109.136%
Gain (Loss) on Extinguishment of Debt		$ 42	20	$ 0
Deferred financing fees written off		5
Debt Premium Cost Incurred		15
Loss on redemption of debt - Deferred financing fees
Debt Instrument [Line Items]
Gain (Loss) on Extinguishment of Debt		(5)
Loss on redemption of debt - Cash Redemption Premium
Debt Instrument [Line Items]
Gain (Loss) on Extinguishment of Debt		$ (37)
At any time and from time to time, prior to April 15, 2024
Debt Instrument [Line Items]
Debt Instrument, Redemption Price, Percentage		105.125%
5.750% Senior Notes due 2027 [Member]
Debt Instrument [Line Items]
Long-term Debt					$ 500
Debt instrument stated percentage					5.75%
Percentage of Principle Amount Notes Were Sold At					100.00%
Debt Instrument Redemption Price As Percentage of Principle Amount		100.00%
Long-term debt		$ 500	500
5.750% Senior Notes due 2027 [Member] \| Twelve month period commencing on September 1, 2022 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		102.875%
5.750% Senior Notes due 2027 [Member] \| Twelve month period commencing on September 1, 2023 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		101.438%
5.750% Senior Notes due 2027 [Member] \| Twelve month period commencing on September 1, 2024 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		100.00%
6.125% Senior Notes due 2029 [Member]
Debt Instrument [Line Items]
Long-term Debt					$ 500
Debt instrument stated percentage		6.125%			6.125%
Percentage of Principle Amount Notes Were Sold At					100.00%
Long-term debt		$ 500	500
6.125% Senior Notes due 2029 [Member] \| Twelve month period commencing on September 1, 2024 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		103.063%
6.125% Senior Notes due 2029 [Member] \| Twelve Month Period Commencing September 1, 2025 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		102.042%
6.125% Senior Notes due 2029 [Member] \| Twelve month period commencing on September 1, 2026 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		101.021%
6.125% Senior Notes due 2029 [Member] \| Twelve month period commencing on September 1, 2027 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		100.00%
5.000% Senior Notes due 2028
Debt Instrument [Line Items]
Debt instrument stated percentage		5.00%
Long-term debt		$ 650	$ 650
5.000% Senior Notes due 2028 \| From time to time, prior to October 1, 2023 [Member]
Debt Instrument [Line Items]
Debt Instrument, Redemption Price, Percentage	105.00%
5.000% Senior Notes due 2028 \| Twelve Month Period Commencing October 1, 2023
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	102.50%
5.000% Senior Notes due 2028 \| Twelve Month Period Commencing October 1, 2024 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	101.25%
5.000% Senior Notes due 2028 \| Twelve month period commencing on October 1, 2025 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	100.00%
5.250% Senior Notes due 2030
Debt Instrument [Line Items]
Debt instrument stated percentage		5.25%	5.25%
Long-term debt		$ 450	$ 450
5.250% Senior Notes due 2030 \| From time to time, prior to October 1, 2023 [Member]
Debt Instrument [Line Items]
Debt Instrument, Redemption Price, Percentage	105.25%
5.250% Senior Notes due 2030 \| Twelve month period commencing on October 1, 2025 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	102.625%
5.250% Senior Notes due 2030 \| Twelve Month Period Commencing October 1, 2026 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	101.75%
5.250% Senior Notes due 2030 \| Twelve Month Period Commencing October 1, 2027 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	100.875%
5.250% Senior Notes due 2030 \| Twelve Month Period Commencing October 1, 2028 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	100.00%
5.000% and 5.250% Senior Notes
Debt Instrument [Line Items]
Percentage of Principle Amount Notes Were Sold At	100.00%
Aggregate principal amount of Notes required to remaing outstanding	0.55
Date of equity offering offering when paying unsecured debt	180 days
5.000% and 5.250% Senior Notes \| From time to time, prior to October 1, 2023 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	40.00%
5.000% and 5.250% Senior Notes \| Prior to October 1, 2023 [Member]
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount	100.00%
5.125% Senior Notes due 2029
Debt Instrument [Line Items]
Debt instrument stated percentage		5.125%
Long-term debt		$ 1,200	0
Maximum Redeemable Percentage		40.00%
5.125% Senior Notes due 2029 \| Prior to April 15, 2025
Debt Instrument [Line Items]
Debt Instrument, Redemption Price, Percentage		100.00%
5.125% Senior Notes due 2029 \| On or after April 15; redeemed in 2024
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		102.563%
5.125% Senior Notes due 2029 \| On or after April 15; redeemed in 2025
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		101.281%
5.125% Senior Notes due 2029 \| On or after April 15; redeemed in 2025
Debt Instrument [Line Items]
Debt Instrument Redemption Price As Percentage of Principle Amount		100.00%
8.125% Notes Due 2025 [Member]
Debt Instrument [Line Items]
Long-term Debt		$ 400
Long-term debt		$ 0	$ 400
8.125% Notes Due 2025 [Member] \| Guarantor Subsidiaries [Member] \| NCR International, Inc. [Member]
Debt Instrument [Line Items]
Debt instrument stated percentage		8.125%
5% Notes Due 2022 [Member]
Debt Instrument [Line Items]
Long-term Debt							$ 600
Debt instrument stated percentage		5.00%
Debt Instrument, Redemption Price, Percentage		100.00%
5% Notes Due 2022 [Member] \| Guarantor Subsidiaries [Member] \| NCR International, Inc. [Member]
Debt Instrument [Line Items]
Debt instrument stated percentage		5.00%
6.375% Notes due 2023 [Member]
Debt Instrument [Line Items]
Long-term Debt						$ 700
Debt Instrument, Redemption Price, Percentage		102.125%
6.375% Notes due 2023 [Member] \| Guarantor Subsidiaries [Member] \| NCR International, Inc. [Member]
Debt Instrument [Line Items]
Debt instrument stated percentage		6.375%

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and cash equivalents	$ 447	$ 338
Accounts receivable, net of allowances of $24 and $51 as of December 31, 2021 and 2020, respectively	959	1,117
Inventories	754	601
Restricted cash	295	59
Other current assets	421	363
Total current assets	2,876	2,478
Property, plant and equipment, net	703	373
Goodwill	4,519	2,837
Intangibles, net	1,316	532
Operating Lease, Right-of-Use Asset	419	344
Prepaid pension cost	300	199
Deferred Income Taxes and Other Assets, Noncurrent	732	965
Other assets	776	686
Total assets	11,641	8,414
Liabilities and stockholders’ equity
Short-term borrowings	57	8
Accounts payable	826	632
Payroll and benefits liabilities	389	268
Contract liabilities	516	507
Settlement liabilities	263	31
Other current liabilities	757	642
Total current liabilities	2,808	2,088
Long-term debt	5,505	3,270
Pension and indemnity plan liabilities	789	851
Postretirement and postemployment benefits liabilities	119	120
Income tax accruals	116	102
Operating Lease, Liability, Noncurrent	388	325
Other liabilities	383	334
Total liabilities	10,108	7,090
Commitments and Contingencies (Note 10)
Series A convertible preferred stock: par value $0.01 per share, 3.0 shares authorized, 0.9 and 0.8 shares issued and outstanding as of December 31, 2018 and December 31, 2017, respectively; redemption amount and liquidation preference of $871 and $825 as of December 31, 2018 and December 31, 2017, respectively	274	273
Stockholders’ equity
Preferred Stock, Value, Issued	0	0
Common Stock, Value, Issued	1	1
Paid-in capital	515	368
Retained earnings	1,031	950
Accumulated other comprehensive loss	(291)	(271)
Total NCR stockholders’ equity	1,256	1,048
Noncontrolling interests in subsidiaries	3	3
Total stockholders’ equity	1,259	1,051
Total liabilities and stockholders’ equity	$ 11,641	$ 8,414

Leasing (Notes)

12 Months Ended

Dec. 31, 2021

Leases [Abstract]

Lessee, Operating Leases [Text Block]

11. LEASING

The following table presents our lease balances as of December 31:


In millions	Location in the Consolidated Balance Sheet	December 31, 2021		December 31, 2020
Assets
Operating lease assets	Operating lease assets	$	419	$	344
Finance lease assets	Property, plant and equipment, net	62		55
Accumulated Amortization of Finance lease assets	Property, plant and equipment, net	(35)		(18)
Total leased assets		$	446	$	381
Liabilities
Current
Operating lease liabilities	Other current liabilities	$	97	$	85
Finance lease liabilities	Other current liabilities	16		15
Noncurrent
Operating lease liabilities	Operating lease liabilities	388		325
Finance lease liabilities	Other liabilities	13		23
Total lease liabilities		$	514	$	448

The following table presents our lease costs for operating and finance leases:


In millions	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Operating lease cost	$	131	$	125	$	137
Finance lease cost
Amortization of leased assets	17		13		5
Interest on lease liabilities	1		1		1
Short-Term lease cost	3		5		5
Variable lease cost	24		27		30
Total lease cost	$	176	$	171	$	178

The following table presents the supplemental cash flow information:


In millions	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	133	$	128	$	141
Operating cash flows from finance leases	$	1	$	2	$	1
Financing cash flows from finance leases	$	17	$	13	$	4
Lease Assets Obtained in Exchange for Lease Obligations
Operating Leases	$	163	$	31	$	45
Finance Leases	$	2	$	15	$	33

The following table reconciles the undiscounted cash flows for each of the first five years and total of the remaining years to the finance lease liabilities and operating lease liabilities recorded on the Consolidated Balance Sheet as of December 31, 2021:


In millions	Operating Leases		Finance Leases
2022	$	120	$	17
2023	81		11
2024	65		2
2025	52		—
2026	45		—
Thereafter	258		—
Total lease payments	621		30
Less: Amount representing interest	(136)		(1)
Present value of lease liabilities	$	485	$	29

As of December 31, 2021, all material operating leases had commenced.

The following table presents the weighted average remaining lease term and interest rates:


	December 31, 2021		December 31, 2020
Weighted average lease term:
Operating leases	8.4 years		8.7 years
Finance leases	2.0 years		2.7 years
Weighted average interest rates:
Operating leases	5.70	%	6.45	%
Finance leases	3.78	%	4.59	%

Lessee, Finance Leases [Text Block]

11. LEASING

The following table presents our lease balances as of December 31:


In millions	Location in the Consolidated Balance Sheet	December 31, 2021		December 31, 2020
Assets
Operating lease assets	Operating lease assets	$	419	$	344
Finance lease assets	Property, plant and equipment, net	62		55
Accumulated Amortization of Finance lease assets	Property, plant and equipment, net	(35)		(18)
Total leased assets		$	446	$	381
Liabilities
Current
Operating lease liabilities	Other current liabilities	$	97	$	85
Finance lease liabilities	Other current liabilities	16		15
Noncurrent
Operating lease liabilities	Operating lease liabilities	388		325
Finance lease liabilities	Other liabilities	13		23
Total lease liabilities		$	514	$	448

The following table presents our lease costs for operating and finance leases:


In millions	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Operating lease cost	$	131	$	125	$	137
Finance lease cost
Amortization of leased assets	17		13		5
Interest on lease liabilities	1		1		1
Short-Term lease cost	3		5		5
Variable lease cost	24		27		30
Total lease cost	$	176	$	171	$	178

The following table presents the supplemental cash flow information:


In millions	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	133	$	128	$	141
Operating cash flows from finance leases	$	1	$	2	$	1
Financing cash flows from finance leases	$	17	$	13	$	4
Lease Assets Obtained in Exchange for Lease Obligations
Operating Leases	$	163	$	31	$	45
Finance Leases	$	2	$	15	$	33


In millions	Operating Leases		Finance Leases
2022	$	120	$	17
2023	81		11
2024	65		2
2025	52		—
2026	45		—
Thereafter	258		—
Total lease payments	621		30
Less: Amount representing interest	(136)		(1)
Present value of lease liabilities	$	485	$	29

As of December 31, 2021, all material operating leases had commenced.

The following table presents the weighted average remaining lease term and interest rates:


	December 31, 2021		December 31, 2020
Weighted average lease term:
Operating leases	8.4 years		8.7 years
Finance leases	2.0 years		2.7 years
Weighted average interest rates:
Operating leases	5.70	%	6.45	%
Finance leases	3.78	%	4.59	%

Description of Business and Significant Accounting Policies Description of Business and Significant Accounting Policies - Earnings Per Share (Basic) (Details) - USD ($) $ / shares in Units, shares in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Income (loss) from continuing operations	$ 97,000,000	$ (7,000,000)	$ 614,000,000
Preferred Stock Dividends, Income Statement Impact	16,000,000	31,000,000	110,000,000
Income (loss) from continuing operations attributable to common stockholders	81,000,000	(38,000,000)	504,000,000
Income (loss) from discontinued operations, net of tax	0	(72,000,000)	(50,000,000)
Net income (loss) attributable to NCR common stockholders	$ 81,000,000	$ (110,000,000)	$ 454,000,000
Basic (in shares)	131.2	128.4	122.1
Basic (in dollars per share)	$ 0.62	$ (0.30)	$ 4.13
Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Basic Share	0	(0.56)	(0.41)
Basic (in dollars per share)	$ 0.62	$ (0.86)	$ 3.72

Derivatives and Hedging Instruments

12 Months Ended

Dec. 31, 2021

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivatives and Hedging Instruments

13. DERIVATIVES AND HEDGING INSTRUMENTS

NCR is exposed to certain risks arising from both our business operations and economic conditions. We principally manage exposures to a wide variety of business and operational risk through management of core business activities. We manage interest rate risk associated with our vault cash rental obligations and floating rate-debt by managing the amount, sources, and duration of debt funding and the use of derivative financial instruments. To manage differences in the amount, timing and duration of known or expected cash payments related to our existing Term Loan A and vault cash agreements, we entered into interest rate cap agreements in the third quarter of 2021.

Further, a substantial portion of our operations and revenue occur outside the United States and, as such, NCR has exposure to approximately 50 functional currencies. Our results can be significantly impacted, both positively and negatively, by changes in foreign currency exchange rates. The Company seeks to mitigate such impact by hedging its foreign currency transaction exposure using foreign currency forward and option contracts. We do not enter into hedges for speculative purposes.

Foreign Currency Exchange Risk The accounting guidance for derivatives and hedging requires companies to recognize all derivative instruments as either assets or liabilities at fair value in the Consolidated Balance Sheets. The Company designates foreign exchange contracts as cash flow hedges of forecasted transactions when they are determined to be highly effective at inception.

Our risk management strategy includes hedging, on behalf of certain subsidiaries, a portion of our forecasted, non-functional currency denominated cash flows for a period of up to 15 months. As a result, some of the impact of currency fluctuations on non-functional currency denominated transactions (and hence on subsidiary operating income, as stated in the functional currency), is mitigated in the near term. In the longer term (greater than 15 months), the subsidiaries are still subject to the effect of translating the functional currency results to United States Dollars. To manage our exposures and mitigate the impact of currency fluctuations on the operations of our foreign subsidiaries, we hedge our main transactional exposures through the use of foreign exchange forward and option contracts. This is primarily done through the hedging of foreign currency denominated inter-company inventory purchases by NCR’s marketing units and the foreign currency denominated inputs to our manufacturing units. If the hedge is designated as a highly effective cash flow hedge, the gains or losses are deferred into accumulated other comprehensive income (“AOCI”). The gains or losses from derivative contracts that are designated as highly effective cash flow hedges related to inventory purchases are recorded in cost of products when the inventory is sold to an unrelated third party. Otherwise, they are recorded in earnings when the exchange rates change. As of December 31, 2021, the balance in AOCI related to foreign exchange derivative contracts was zero.

We also utilize foreign exchange contracts to hedge our exposure of assets and liabilities denominated in non-functional currencies. We recognize the gains and losses on these types of hedges in earnings as exchange rates change.

Interest Rate Risk The Company designates interest rate contracts as cash flow hedges of forecasted transactions when they are determined to be highly effective at inception.

We utilize interest rate cap agreements to add stability to interest expense and to manage exposure to interest rate movements as part of our interest rate risk management strategy. Interest rate cap contracts outstanding as of December 31, 2021 mature in July 2024. Payments and receipts related to interest rate cap agreements are included in cash flows from operating activities in the Consolidated Statements of Cash Flows.

At December 31, 2021, each of our outstanding interest rate cap agreements were determined to be highly effective. Amounts reported in Accumulated other comprehensive income related to these derivatives will be reclassified to Interest expense and Cost of products as payments are made on the Company’s variable-rate debt and vault cash rental obligations, respectively. As of December 31, 2021, the balance in AOCI related to interest rate derivatives was $8 million. We elected to amortize the premium paid for the interest rate cap agreements straight-line over the life of the interest rate contracts.

The following tables provide information on the location and amounts of derivative fair values in the Consolidated Balance Sheets:


	Fair Values of Derivative Instruments
	December 31, 2021
In millions	Balance Sheet Location	Notional Amount		Fair Value		Balance Sheet Location	Notional Amount		Fair Value
Derivatives designated as hedging instruments

Interest rate contracts	Other assets	$	2,000	$	18	Other liabilities	$	—	$	—

Total derivatives designated as hedging instruments				$	18				$	—
Derivatives not designated as hedging instruments
Foreign exchange contracts	Other current assets	$	278	$	1	Other current liabilities	$	396	$	1
Total derivatives not designated as hedging instruments				$	1				$	1
Total derivatives				$	19				$	1

	Fair Values of Derivative Instruments
	December 31, 2020
In millions	Balance Sheet Location	Notional Amount		Fair Value		Balance Sheet Location	Notional Amount		Fair Value
Derivatives designated as hedging instruments

Foreign exchange contracts	Other current assets	$	—	$	—	Other current liabilities	$	—	$	—
Total derivatives designated as hedging instruments				$	—				$	—
Derivatives not designated as hedging instruments
Foreign exchange contracts	Other current assets	$	150	$	—	Other current liabilities	$	425	$	1
Total derivatives not designated as hedging instruments				$	—				$	1
Total derivatives				$	—				$	1

The effects of derivative instruments on the Consolidated Statements of Operations for the years ended December 31 were as follows:


In millions	Amount of Gain (Loss) Recognized in Other Comprehensive Income (OCI) on Derivative (Effective Portion)				Amount of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)
Derivatives in Cash Flow Hedging Relationships	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019		Location of (Gain) Loss Reclassified from AOCI into the Consolidated Statements of Operations (Effective Portion)	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Interest rate contracts	$	9	$	—	$	—	Cost of product	$	1	$	—	$	—
Foreign exchange contracts	$	—	$	(8)	$	6	Cost of products	$	—	$	7	$	(8)


In millions		Amount of Gain (Loss) Recognized in the Consolidated Statements of Operations
Derivatives not Designated as Hedging Instruments	Location of Gain (Loss) Recognized in the Consolidated Statements of Operations	For the year ended December 31, 2021		For the year ended December 31, 2020		For the year ended December 31, 2019
Foreign exchange contracts	Other income (expense), net	$	(24)	$	22	$	(8)

Refer to Note 14, “Fair Value of Assets and Liabilities”, for further information on derivative assets and liabilities recorded at fair value on a recurring basis.

Concentration of Credit Risk

NCR is potentially subject to concentrations of credit risk on accounts receivable and financial instruments such as hedging instruments and cash and cash equivalents. Credit risk includes the risk of nonperformance by counterparties. The maximum potential loss may exceed the amount recognized on the Consolidated Balance Sheets. Exposure to credit risk is managed through credit approvals, credit limits, selecting major international financial institutions as counterparties to hedging transactions and monitoring procedures. NCR’s business often involves large transactions with customers, and if one or more of those customers were to default on its obligations under applicable contractual arrangements, the Company could be exposed to potentially significant losses. However, management believes that the reserves for potential losses are adequate. As of December 31, 2021 and 2020, NCR did not have any major concentration of credit risk related to financial instruments.

Derivatives and Hedging Instruments - Gain (Loss) on Derivatives Not Designated as Hedging Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other (Expense) Income, Net [Member] \| Foreign Exchange Derivative [Member]
Derivative [Line Items]
Amount of Gain (Loss) Recognized in the Condensed Consolidated Statement of Operations	$ (24)	$ 22	$ (8)

Supplemental Financial Information - Inventory (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Inventory, Net [Abstract]
Work in process and raw materials	$ 184	$ 133
Finished goods	185	135
Service parts	385	333
Total inventories, net	$ 754	$ 601

Employee Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2021

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year [Table Text Block]

The amounts in Accumulated other comprehensive loss that are expected to be recognized as components of net periodic benefit cost (income) during 2022 are as follows:


In millions	U.S. Pension Benefits		International Pension Benefits		Total Pension Benefits		Postretirement Benefits		Postemployment Benefits
Prior service cost (benefit)	$	—	$	—	$	—	$	—	$	(2)
Actuarial loss (gain)	$	—	$	—	$	—	$	1	$	(1)

Schedule of Expected Benefit Payments [Table Text Block]

NCR expects to make the following benefit payments reflecting past and future service from its pension, postretirement and postemployment plans:


In millions	U.S. Pension Benefits		International Pension Benefits		Total Pension Benefits		Postretirement Benefits		Postemployment Benefits
Year
2022	$	115	$	48	$	163	$	1	$	30
2023	$	115	$	47	$	162	$	1	$	18
2024	$	115	$	49	$	164	$	1	$	17
2025	$	115	$	48	$	163	$	1	$	16
2026	$	115	$	44	$	159	$	1	$	15
2027-2031	$	554	$	229	$	783	$	2	$	66

Pension Plan [Member]

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Schedule of Changes in Projected Benefit Obligations [Table Text Block]

Reconciliation of the beginning and ending balances of the benefit obligations for NCR's pension plans are as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	2,067	$	1,954	$	1,246	$	1,174	$	3,313	$	3,128
Net service cost	—		—		6		6		6		6
Interest cost	34		51		8		13		42		64
Amendment	—		—		(6)		5		(6)		5
Actuarial (gain) loss	(102)		168		(57)		86		(159)		254
Benefits paid	(117)		(106)		(60)		(111)		(177)		(217)
Plan participant contributions	—		—		—		1		—		1
Currency translation adjustments	—		—		(32)		72		(32)		72
Benefit obligation as of December 31	$	1,882	$	2,067	$	1,105	$	1,246	$	2,987	$	3,313
Accumulated benefit obligation as of December 31	$	1,882	$	2,067	$	1,095	$	1,235	$	2,977	$	3,302

Schedule of Changes in Fair Value of Plan Assets [Table Text Block]

A reconciliation of the beginning and ending balances of the fair value of the plan assets of NCR's pension plans are as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Change in plan assets
Fair value of plan assets as of January 1	$	1,528	$	1,377	$	1,118	$	1,058	$	2,646	$	2,435
Actual return on plan assets	(32)		187		47		99		15		286
Company contributions	—		70		17		19		17		89
Benefits paid	(117)		(106)		(60)		(111)		(177)		(217)

Currency translation adjustments	—		—		(16)		53		(16)		53
Plan participant contributions	—		—		—		—		—		—
Fair value of plan assets as of December 31	$	1,379	$	1,528	$	1,106	$	1,118	$	2,485	$	2,646

Schedule of Net Benefit Costs [Table Text Block]

The net periodic benefit (income) cost of the pension plans for the years ended December 31 was as follows:


In millions	U.S. Pension Benefits						International Pension Benefits						Total Pension Benefits
	2021		2020		2019		2021		2020		2019		2021		2020		2019
Net service cost	$	—	$	—	$	—	$	6	$	6	$	7	$	6	$	6	$	7
Interest cost	34		51		66		8		13		19		42		64		85
Expected return on plan assets	(30)		(36)		(43)		(25)		(28)		(31)		(55)		(64)		(74)
Amortization of prior service cost	—		—		—		1		1		1		1		1		1


Actuarial (gain) loss	(40)		18		60		(78)		16		15		(118)		34		75
Net periodic benefit (income) cost	$	(36)	$	33	$	83	$	(88)	$	8	$	11	$	(124)	$	41	$	94

Schedule of Net Benefit Costs and Amounts Recognized in Balance Sheet [Table Text Block]

The following table presents the funded status and the reconciliation of the funded status to amounts recognized in the Consolidated Balance Sheets and in Accumulated other comprehensive loss as of December 31:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Funded Status	$	(503)	$	(539)	$	1	$	(128)	$	(502)	$	(667)
Amounts recognized in the Consolidated Balance Sheets
Noncurrent assets	$	—	$	—	$	300	$	199	$	300	$	199
Current liabilities	—		—		(13)		(15)		(13)		(15)
Noncurrent liabilities	(503)		(539)		(286)		(312)		(789)		(851)
Net amounts recognized	$	(503)	$	(539)	$	1	$	(128)	$	(502)	$	(667)
Amounts recognized in Accumulated other comprehensive loss
Prior service cost	—		—		17		24		17		24
Total	$	—	$	—	$	17	$	24	$	17	$	24

Defined Benefit Plan, Assumptions [Table Text Block]

The weighted average rates and assumptions used to determine benefit obligations as of December 31 were as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
	2021		2020		2021		2020		2021		2020
Discount rate	2.7	%	2.4	%	1.4	%	0.9	%	2.2	%	1.8	%
Rate of compensation increase	N/A		N/A		1.4	%	0.9	%	1.4	%	0.9	%

The weighted average rates and assumptions used to determine net periodic benefit (income) cost for the years ended December 31 were as follows:


	U.S. Pension Benefits						International Pension Benefits						Total Pension Benefits
	2021		2020		2019		2021		2020		2019		2021		2020		2019
Discount rate - Service Cost	N/A		N/A		N/A		0.4	%	0.7	%	1.6	%	0.4	%	0.7	%	1.6	%
Discount rate - Interest Cost	1.7	%	2.7	%	3.8	%	0.7	%	1.2	%	1.8	%	1.3	%	2.1	%	3.1	%
Expected return on plan assets	2.1	%	2.8	%	3.6	%	2.2	%	2.6	%	3.2	%	2.1	%	2.7	%	3.4	%
Rate of compensation increase	N/A		N/A		N/A		0.9	%	0.9	%	1.0	%	0.9	%	0.9	%	1.0	%

Schedule of Allocation of Plan Assets [Table Text Block]

The fair value of plan assets as of December 31, 2021 and 2020 by asset category is as follows:


		U.S.										International
In millions	Notes	Fair Value as of December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling		Fair Value as of December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling
Assets
Equity securities:
Common stock	1	$	194	$	194	$	—	$	—	$	—	$	26	$	26	$	—	$	—	$	—
Fixed income securities:
Government securities	2	201		—		201		—		—		—		—		—		—		—
Corporate debt	3	752		—		752		—		—		87		—		87		—		—
Other types of investments:
Money market funds	4	2		—		—		—		2		27		—		—				27
Common and commingled trusts - Equities	4	—		—		—		—		—		145		—		—		—		145
Common and commingled trusts - Bonds	4	159		—		—		—		159		457		—		—		—		457
Common and commingled trusts - Short Term Investments	4	39		—		—		—		39		27		—		—		—		27
Common and commingled trusts - Balanced	4	—		—		—		—		—		185		—		—		—		185

Partnership/joint venture interests - Other	5	2		—		—		—		2		—		—		—		—		—
Mutual funds	4	30		30		—		—		—		—		—		—		—		—
Insurance products	4	—		—		—		—		—		1		—		1		—		—
Real estate and other	5	—		—		—		—		—		151		—		—		151		—
Total		$	1,379	$	224	$	953	$	—	$	202	$	1,106	$	26	$	88	$	151	$	841


		U.S.										International
In millions	Notes	Fair Value as of December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling		Fair Value as of December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling
Assets
Equity securities:
Common stock	1	$	—	$	—	$	—	$	—	$	—	$	57	$	57	$	—	$	—	$	—
Fixed income securities:
Government securities	2	221		—		221		—		—		—		—		—		—		—
Corporate debt	3	1,011		—		1,011		—		—		104		—		104		—		—
Other types of investments:
Money market funds	4	5		—		—		—		5		10		—		—		—		10
Common and commingled trusts - Equities	4	—		—		—		—		—		149		—		—		—		149
Common and commingled trusts - Bonds	4	167		—		—		—		167		515		—		—		—		515
Common and commingled trusts - Short Term Investments	4	94		—		—		—		94		40		—		—		—		40
Common and commingled trusts - Balanced	4	—		—		—		—		—		90		—		—		—		90

Partnership/joint venture interests - Other	5	2		—		—		—		2		—		—		—		—		—
Mutual funds	4	28		28		—		—		—		—		—		—		—		—
Insurance products	4	—		—		—		—		—		1		—		1		—		—
Real estate and other	5	—		—		—		—		—		152		—		—		152		—
Total		$	1,528	$	28	$	1,232	$	—	$	268	$	1,118	$	57	$	105	$	152	$	804

Notes:

1.Common stocks are valued based on quoted market prices at the closing price as reported on the active market on which the individual securities are traded.

2.Government securities are valued based on yields currently available on comparable securities of issuers with similar credit ratings. When quoted prices are not available for identical or similar securities, the security is valued under a discounted cash flows approach that maximizes observable inputs, such as current yields on similar instruments but includes adjustments for certain risks that may not be observable, such as credit and liquidity risks.

3.Corporate debt is valued primarily based on observable market quotations for similar bonds at the closing price reported on the active market on which the individual securities are traded. When such quoted prices are not available, the bonds are valued using a discounted cash flows approach using current yields on similar instruments of issuers with similar credit ratings.

4.Common/collective trusts and registered investment companies (“RICs”) such as mutual funds are valued using a Net Asset Value (“NAV”) provided by the manager of each fund. The NAV is based on the underlying net assets owned by the fund, divided by the number of shares or units outstanding. The fair value of the underlying securities within the fund, which are generally traded on an active market, are valued at the closing price reported on the active market on which those individual securities are traded. For investments not traded on an active market, or for which a quoted price is not publicly available, a variety of unobservable valuation methodologies, including discounted cash flow, market multiple and cost valuation approaches, are employed by the fund manager or independent third party to value investments.

5.Partnership/joint ventures are valued based on the fair value of the underlying securities within the fund, which include investments both traded on an active market and not traded on an active market. For those investments that are traded on an active market, the values are based on the closing price reported on the active market on which those individual securities

are traded. For investments not traded on an active market, or for which a quoted price is not publicly available, a variety of unobservable valuation methodologies, including discounted cash flow, market multiples and cost valuation approaches, are employed by the fund manager to value investments.

Schedule of Effect of Significant Unobservable Inputs, Changes in Plan Assets [Table Text Block]

The following table presents the reconciliation of the beginning and ending balances of those plan assets classified within Level 3 of the valuation hierarchy. When the determination is made to classify the plan assets within Level 3, the determination is based upon the significance of the unobservable inputs to the overall fair value measurement.


In millions	International Pension Plans
Balance, December 31, 2019	$	131
Realized and unrealized gains and losses, net	21
Purchases, sales and settlements, net	—
Transfers, net	—
Balance, December 31, 2020	$	152
Realized and unrealized gains and losses, net	(1)
Purchases, sales and settlements, net	—
Transfers, net	—
Balance, December 31, 2021	$	151

Postretirement Benefits [Member]

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Schedule of Changes in Projected Benefit Obligations [Table Text Block]

Reconciliation of the beginning and ending balances of the benefit obligation for NCR's U.S. postretirement plan is as follows:


	Postretirement Benefits
In millions	2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	16	$	17

Interest cost	—		—
Actuarial gain	(1)		—
Plan participant contributions	—		—
Benefits paid	(1)		(1)
Benefit obligation as of December 31	$	14	$	16

Schedule of Net Benefit Costs [Table Text Block]

The net periodic benefit cost of the postretirement plan for the years ended December 31 was:


In millions	Postretirement Benefits
	2021		2020		2019
Interest cost	$	—	$	—	$	1

Amortization of:
Prior service benefit	—		(3)		(5)
Actuarial loss	1		1		—
Net periodic benefit cost	$	1	$	(2)	$	(4)

Schedule of Net Benefit Costs and Amounts Recognized in Balance Sheet [Table Text Block]


	Postretirement Benefits
In millions	2021		2020
Benefit obligation	$	(14)	$	(16)
Amounts recognized in the Consolidated Balance Sheets
Current liabilities	$	(1)	$	(2)
Noncurrent liabilities	(13)		(14)
Net amounts recognized	$	(14)	$	(16)
Amounts recognized in Accumulated other comprehensive loss
Net actuarial loss	$	5	$	6
Prior service benefit	—		—
Total	$	5	$	6

Defined Benefit Plan, Assumptions [Table Text Block]

The assumptions utilized in accounting for postretirement benefit obligations as of December 31 and for postretirement benefit income for the years ended December 31 were:


	Postretirement Benefit Obligations						Postretirement Benefit Costs
	2021		2020		2019		2021		2020		2019
Discount rate	1.9	%	1.4	%	2.5	%	1.4	%	2.5	%	3.7	%

Assumed healthcare cost trend rates as of December 31 were:


	2021				2020
	Pre-65 Coverage		Post-65 Coverage		Pre-65 Coverage		Post-65 Coverage
Healthcare cost trend rate assumed for next year	6.3	%	5.7	%	6.5	%	5.8	%
Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)	5.0	%	5.0	%	5.0	%	5.0	%
Year that the rate reaches the ultimate rate	2028		2028		2027		2027

Postemployment Benefits [Member]

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Schedule of Changes in Projected Benefit Obligations [Table Text Block]

Reconciliation of the beginning and ending balances of the benefit obligation for NCR's postemployment plan was:


	Postemployment Benefits
In millions	2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	138	$	126

Service cost	24		42
Interest cost	2		3
Amendments	—		(4)
Benefits paid	(26)		(39)
Foreign currency exchange	(7)		3
Actuarial (gain) loss	7		7
Benefit obligation as of December 31	$	138	$	138

Schedule of Net Benefit Costs [Table Text Block]

The net periodic benefit cost of the postemployment plan for the years ended December 31 was:


In millions	Postemployment Benefits
	2021		2020		2019
Service cost	$	24	$	42	$	31
Interest cost	2		3		3
Amortization of:
Prior service benefit	(2)		(2)		(2)
Actuarial gain	(4)		(4)		(3)
Net benefit cost	$	20	$	39	$	29

Schedule of Net Benefit Costs and Amounts Recognized in Balance Sheet [Table Text Block]

The following table presents the funded status and the reconciliation of the unfunded status to amounts recognized in the Consolidated Balance Sheets and in Accumulated other comprehensive loss at December 31:


	Postemployment Benefits
In millions	2021		2020
Benefit obligation	$	(138)	$	(138)
Amounts recognized in the Consolidated Balance Sheets
Current liabilities	$	(32)	$	(32)
Noncurrent liabilities	(106)		(106)
Net amounts recognized	$	(138)	$	(138)
Amounts recognized in Accumulated other comprehensive loss
Net actuarial gain	$	(19)	$	(23)
Prior service benefit	(6)		(8)
Total	$	(25)	$	(31)

Defined Benefit Plan, Assumptions [Table Text Block]

The weighted average assumptions utilized in accounting for postemployment benefit obligations as of December 31 and for postemployment benefit costs for the years ended December 31 were:


	Postemployment Benefit Obligations				Postemployment Benefit Costs
	2021		2020		2021		2020		2019
Discount rate	1.4	%	1.4	%	2.3	%	1.8	%	2.4	%
Salary increase rate	2.0	%	2.0	%	2.6	%	1.8	%	1.9	%
Involuntary turnover rate	3.8	%	3.8	%	3.8	%	3.8	%	4.3	%

Description of Business and Significant Accounting Policies New Accounting Pronouncements or Change in Accounting Principle (Details) shares in Thousands	Jan. 05, 2022 shares
LibertyX \| Subsequent Event
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares	1,400

Accumulated Other Comprehensive Income (Loss) (AOCI) Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Accumulated other comprehensive income (loss), beginning balance	$ (271)	$ (269)	$ (246)
Other comprehensive (loss) income before reclassifications	(19)	(3)	(11)
Amounts reclassified from AOCI	(1)	1	(12)
Net current period other comprehensive (loss) income	(20)	(2)	(23)
Accumulated other comprehensive income (loss), ending balance	(291)	(271)	(269)
Currency Translation Adjustments
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Accumulated other comprehensive income (loss), beginning balance	(245)	(260)	(234)
Other comprehensive (loss) income before reclassifications	(30)	15	(26)
Amounts reclassified from AOCI	0	0	0
Net current period other comprehensive (loss) income	(30)	15	(26)
Accumulated other comprehensive income (loss), ending balance	(275)	(245)	(260)
Changes in Employee Benefit Plans
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Accumulated other comprehensive income (loss), beginning balance	(26)	(10)	(14)
Other comprehensive (loss) income before reclassifications	4	(11)	10
Amounts reclassified from AOCI	(2)	(5)	(6)
Net current period other comprehensive (loss) income	2	(16)	4
Accumulated other comprehensive income (loss), ending balance	(24)	(26)	(10)
Changes in Fair Value of Effective Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Accumulated other comprehensive income (loss), beginning balance	0	1	2
Other comprehensive (loss) income before reclassifications	7	(7)	5
Amounts reclassified from AOCI	1	6	(6)
Net current period other comprehensive (loss) income	8	(1)	(1)
Accumulated other comprehensive income (loss), ending balance	$ 8	$ 0	$ 1

- Definition

Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.

+ References + Details

Debt Obligations Senior Secured Credit Facility (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 16, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Senior secured bridge facility		$ 1,000,000,000
Senior secured incremental term loan A facility		1,505,000,000
Senior secured incremental term loan B facility	$ 750,000,000
Revolving credit facility under the senior secured credit facility		$ 1,100,000,000
Letters of Credit Outstanding, Amount	26,000,000
Converted Portion of Term Loan A	200,000,000
Aggregate principal amount of Term Loan A	1,305,000,000
Long-term debt	$ 5,505,000,000		$ 3,270,000,000
Quarterly Payment of Term Loan Principal Amount	0.25%
Quarterly payment of Term Loan A Facility	$ 0.01875
Increase in Maximum Permitted Leverage Ratio due to Material Acquisitions	0.25
Debt Related Commitment Fees and Debt Issuance Costs	$ 19,000,000
Available Additional Amount of Incremental Term Loan or Incremental Revolving Commitment	150,000,000
Line of Credit Facility, Remaining Borrowing Capacity	$ 894,000,000
Period One [Member]
Debt Instrument [Line Items]
Debt Instrument Covenant Consolidated Leverage Ratio	5.50
Period Two [Member]
Debt Instrument [Line Items]
Debt Instrument Covenant Consolidated Leverage Ratio	5.25
Period Three [Member]
Debt Instrument [Line Items]
Debt Instrument Covenant Consolidated Leverage Ratio	4.75
5.125% Senior Notes due 2029
Debt Instrument [Line Items]
Long-term Debt, Gross	$ 1,200,000,000
Debt Instrument, Interest Rate, Stated Percentage	5.125%
Long-term debt	$ 1,200,000,000		0
Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	380,000,000		75,000,000
Term Loan [Member]
Debt Instrument [Line Items]
Total Term Loan Balance Outstanding	1,940,000,000
Long-term debt	$ 1,884,000,000		$ 733,000,000
Secured Debt [Member] \| Term Loan A and Revolving Facility
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.50%
Secured Debt [Member] \| Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Secured Credit Facility Maximum Borrowing Amount	$ 1,300,000,000
Secured Debt [Member] \| Term Loan [Member]
Debt Instrument [Line Items]
Secured Credit Facility Maximum Borrowing Amount	2,055,000,000.000
Secured Debt [Member] \| Revolving Foreign [Member]
Debt Instrument [Line Items]
Secured Credit Facility Maximum Borrowing Amount	$ 400,000,000
Federal Funds Rate [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	0.50%
Base Rate [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.00%
London Interbank Offered Rate (LIBOR) [Member] \| Secured Debt [Member] \| Term Loan A and Revolving Facility
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.50%
Maximum [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Fee	0.45
Maximum [Member] \| London Interbank Offered Rate (LIBOR) [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Margin for Base Rate Loans	2.75%
Maximum [Member] \| EURIBOR [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Margin for Base Rate Loans	1.75%
Minimum [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Fee	0.15
Minimum [Member] \| London Interbank Offered Rate (LIBOR) [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Margin for Base Rate Loans	1.25%
Minimum [Member] \| EURIBOR [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Debt Instrument, Margin for Base Rate Loans	0.25%

Income Taxes - Income from Continuing Operations (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
(Loss) Income Before Income Taxes [Abstract]
United States	$ (142)	$ (391)	$ (25)
Foreign	426	332	366
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$ 284	$ (59)	$ 341

- 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

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+ Details

Derivatives and Hedging Instruments Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021 USD ($) currency	Dec. 31, 2020 USD ($)
Derivative [Line Items]
Currency Exposure, Number of Functional Currencies \| currency	50
Maximum Period For Cash Flow Hedging Activity	15 months
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$ 1,259	$ 1,051
AOCI Attributable to interest rate derivatives
Derivative [Line Items]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	8
Foreign Exchange Contract [Member] \| Accumulated Gain (Loss), Cash Flow Hedge, Including Noncontrolling Interest
Derivative [Line Items]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$ 0

- Definition

Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.

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+ Details

Description of Business and Significant Accounting Policies - Earnings Per Share (Diluted) (Details) - USD ($) $ / shares in Units, shares in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share Reconciliation [Abstract]
Income from continuing operations	$ 97,000,000	$ (7,000,000)	$ 614,000,000
Preferred Stock Dividends Income Statement Impact Included in Diluted Earnings Per Share From Continuing Operations	(16,000,000)	(31,000,000)	(76,000,000)
Net Income (Loss) from Continuing Operations Available to Common Shareholders, Diluted	81,000,000	(38,000,000)	538,000,000
Income (loss) from discontinued operations, net of tax	0	(72,000,000)	(50,000,000)
Net income (loss) attributable to NCR common stockholders	$ 81,000,000	$ (110,000,000)	$ 488,000,000
Weighted average outstanding shares of common stock	131.2	128.4	122.1
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Preferred Stock	0.0	0.0	19.5
Dilutive effect of employee stock options and restricted stock	7.8	0.0	3.6
Weighted Average Number of Shares Outstanding, Diluted	139.0	128.4	145.2
Diluted earnings (loss) per share [Abstract]
Diluted (in dollars per share)	$ 0.58	$ (0.30)	$ 3.71
From discontinued operations (in dollars per share)	0	(0.56)	(0.35)
Diluted (in dollars per share)	$ 0.58	$ (0.86)	$ 3.36
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Series A convertible preferred stock dividends	$ (16,000,000)	$ (31,000,000)	$ (110,000,000)
Series A Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	9.2	9.1	5.7
Restricted Stock Units (RSUs) and Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	4.7	11.2	4.3

Debt Obligations Debt Obligations Receivables Securitization Facility (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Trade Receivables Securitization Facility, Maximum Borrowing Base	$ 300
Short-term borrowings	57	$ 8
Trade Receivables Securitization Facility [Member]
Debt Instrument [Line Items]
Short-term borrowings	$ 0

Leasing Lease Costs (Details) - USD ($) $ in Millions	12 Months Ended
Leasing Lease Costs (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating Lease, Cost	$ 131	$ 125	$ 137
Finance Lease, Right-of-Use Asset, Amortization	17	13	5
Finance Lease, Interest Expense	1	1
Short-term Lease, Cost	3	5
Variable Lease, Cost	24	27	30
Lease, Cost	$ 176	$ 171	$ 178

Description of Business and Significant Accounting Policies Settlement Assets and Settlement Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Revenue from Contract with Customer [Abstract]
Settlement Assets, Current	$ 287	$ 33
Settlement liabilities	$ 263	$ 31

Fair Value of Assets and Liabilities

12 Months Ended

Dec. 31, 2021

Fair Value Disclosures [Abstract]

Fair Value of Assets and Liabilities

14. FAIR VALUE OF ASSETS AND LIABILITIES

Assets and Liabilities Measured at Fair Value on a Recurring Basis

Assets and liabilities recorded at fair value on a recurring basis as of December 31, 2021 and 2020 are set forth as follows:


			December 31, 2021						December 31, 2020
			Fair Value Measurements Using						Fair Value Measurements Using
In millions	December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets:
Deposits held in money market mutual funds (1)	$	17	$	17	$	—	$	—	$	22	$	22	$	—	$	—
Foreign Investments (2)	—		—		—		—		2		—		2		—
Foreign exchange contracts (2)	1		—		1		—		—		—		—		—
Interest rate cap agreements (3)	18		—		18		—		—		—		—		—
Total	$	36	$	17	$	19	$	—	$	24	$	22	$	2	$	—
Liabilities:
Foreign exchange contracts (4)	1		—		1		—		1		—		1		—
Total	$	1	$	—	$	1	$	—	$	1	$	—	$	1	$	—

(1) Included in Cash and cash equivalents in the Consolidated Balance Sheets.

(2) Included in Other current assets in the Consolidated Balance Sheets.

(3) Included in Other current assets and Other assets in the Consolidated Balance Sheets.

(4) Included in Other current liabilities in the Consolidated Balance Sheets.

Deposits Held in Money Market Mutual Funds A portion of the Company’s excess cash is held in money market mutual funds that generate interest income based on prevailing market rates. Money market mutual fund holdings are measured at fair value using quoted market prices and are classified within Level 1 of the valuation hierarchy.

Foreign Investments As a result of our acquisition of Origami, as noted within Note 3, “Business Combinations and Divestitures”, we acquired investments held in Brazil. The investments include an investment fund similar to a mutual fund. The investments are valued using observable, either directly or indirectly, inputs for substantially the full term of the assets and are classified within Level 2 of the valuation hierarchy.

Foreign Exchange Contracts As a result of our global operating activities, we are exposed to risks from changes in foreign currency exchange rates, which may adversely affect our financial condition. To manage our exposures and mitigate the impact of currency fluctuations on our financial results, we hedge our primary transactional exposures through the use of foreign exchange forward and option contracts. The foreign exchange contracts are valued using the market approach based on observable market transactions of forward rates and are classified within Level 2 of the valuation hierarchy.

Interest Rate Cap Agreements In order to add stability to interest expense and operating costs and to manage exposure to interest rate movements, the Company utilizes interest rate cap agreements as part of its interest rate risk management strategy. The interest rate cap agreements are valued using the market standard methodology of discounting the future expected cash receipts that would occur if variable interest rates rise above the strike rate of the caps. The variable interest rates used in the calculation of projected receipts on the cap are based on an expectation of future interest rates derived from observable market interest rate curves and volatilities. As such, the interest rate cap agreements are classified in Level 2 of the fair value hierarchy.

We incorporate credit valuation adjustments to appropriately reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of our derivative contracts for the effect of nonperformance risk, we consider the impact of netting and any applicable credit enhancements. We measure the

credit risk of our derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio.

Although we have determined that the majority of the inputs used to value our derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments utilize Level 3 inputs to evaluate the likelihood of both our own default and counterparty default. As of December 31, 2021, we determined that the credit valuation adjustments are not significant to the overall valuation of our derivatives and therefore, the valuations are classified in Level 2 of the fair value hierarchy.

Assets Measured at Fair Value on a Non-recurring Basis

From time to time, certain assets are measured at fair value on a nonrecurring basis using significant unobservable inputs (Level 3). NCR measures certain assets, including intangible assets and cost and equity method investments, at fair value on a non-recurring basis. These assets are recognized at fair value when initially valued and when deemed to be impaired. Additionally, NCR reviews the carrying values of investments when events and circumstances warrant and considers all available evidence in evaluating when declines in fair value are other-than-temporary declines. NCR carries equity investments in privately-held companies at cost or at fair value when NCR recognizes an other-than-temporary impairment charge. In the year ended December 31, 2020, we recorded an other-than-temporary impairment charge of $7 million in Other income (expense), net within the Consolidated Statements of Operations related to the write-off of an equity method investment. No material impairment charges or non-recurring fair value adjustments were recorded during the years ended December 31, 2021 and December 31, 2019.

- 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

Business Combinations and Divestitures Schedule of Business Acquisitions, by Acquisition - D3 Technology (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Business Acquisition [Line Items]
Goodwill	$ 4,519	$ 2,837	$ 2,832
D3 Technology [Member]
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents		9
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets		6
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill		20
Goodwill		51
Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Assets		(6)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities		(8)
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net		$ 84

Accumulated Other Comprehensive Income (Loss) (AOCI) (Notes)

12 Months Ended

Dec. 31, 2021

Statement of Financial Position [Abstract]

Accumulated Other Comprehensive Income (Loss) (AOCI)

15. ACCUMULATED OTHER COMPREHENSIVE INCOME

Changes in Accumulated Other Comprehensive Income (“AOCI”) by Component

The changes in AOCI for the years ended December 31 are as follows:


In millions	Currency Translation Adjustments		Changes in Employee Benefit Plans		Changes in Fair Value of Effective Cash Flow Hedges		Total





Balance at December 31, 2018	$	(234)	$	(14)	$	2	$	(246)
Other comprehensive (loss) income before reclassifications	(26)		10		5		(11)
Amounts reclassified from AOCI	—		(6)		(6)		(12)
Net current period other comprehensive (loss) income	(26)		4		(1)		(23)
Balance at December 31, 2019	$	(260)	$	(10)	$	1	$	(269)
Other comprehensive (loss) income before reclassifications	15		(11)		(7)		(3)
Amounts reclassified from AOCI	—		(5)		6		1
Net current period other comprehensive (loss) income	15		(16)		(1)		(2)
Balance at December 31, 2020	$	(245)	$	(26)	$	—	$	(271)
Other comprehensive (loss) income before reclassifications	(30)		4		7		(19)
Amounts reclassified from AOCI	—		(2)		1		(1)
Net current period other comprehensive (loss) income	(30)		2		8		(20)
Balance at December 31, 2021	$	(275)	$	(24)	$	8	$	(291)

Reclassifications Out of AOCI

The reclassifications out of AOCI for the years ended December 31 are as follows:


		For the year ended December 31, 2021
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	1	$	1
	Cost of services	—		(2)		—		(2)
	Selling, general and administrative expenses	(1)		—		—		(1)
	Research and development expenses	—		1		—		1

	Total before tax	$	(1)	$	(1)	$	1	$	(1)
	Tax expense							—
	Total reclassifications, net of tax							$	(1)


		For the year ended December 31, 2020
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	7	$	7
	Cost of services	(2)		(2)		—		(4)
	Selling, general and administrative expenses	(1)		(2)		—		(3)
	Research and development expenses	—		—		—		—
	Total before tax	$	(3)	$	(4)	$	7	$	—
	Tax expense							1
	Total reclassifications, net of tax							$	1


		For the year ended December 31, 2019
		Employee Benefit Plans
In millions		Actuarial Losses Recognized		Amortization of Prior Service Benefit		Effective Cash Flow Hedges		Total
Affected line in Consolidated Statement of Operations:
	Cost of products	$	—	$	—	$	(8)	$	(8)
	Cost of services	(2)		(3)		—		(5)
	Selling, general and administrative expenses	(1)		(3)		—		(4)
	Research and development expenses	—		—		—		—
	Total before tax	$	(3)	$	(6)	$	(8)	$	(17)
	Tax expense							5
	Total reclassifications, net of tax							$	(12)

Description of Business and Significant Accounting Policies Description of Business and Significant Accounting Policies - Contract with Customer, Asset and Liability (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Contract with Customer, Contract Asset, Contract Liability, and Receivable [Abstract]
Contract liabilities	$ 516	$ 507
Contract with Customer, Liability, Noncurrent	69	80
Contract with Customer, Liability, Revenue Recognized	447	$ 407
Average Amount of Vault Cash	$ 4,400

Leasing Present Value of Lease Liabilities (Details) $ in Millions	Dec. 31, 2021 USD ($)
Leases [Abstract]
Lessee, Operating Lease, Liability, to be Paid, Remainder of Fiscal Year	$ 120
Finance Lease, Liability, to be Paid, Remainder of Fiscal Year	17
Lessee, Operating Lease, Liability, to be Paid, Year Two	81
Finance Lease, Liability, to be Paid, Year Two	11
Lessee, Operating Lease, Liability, to be Paid, Year Three	65
Finance Lease, Liability, to be Paid, Year Three	2
Lessee, Operating Lease, Liability, to be Paid, Year Four	52
Finance Lease, Liability, to be Paid, Year Four	0
Lessee, Operating Lease, Liability, to be Paid, Year Five	45
Finance Lease, Liability, to be Paid, Year Five	0
Lessee, Operating Lease, Liability, to be Paid, after Year Five	258
Finance Lease, Liability, to be Paid, after Year Five	0
Lessee, Operating Lease, Liability, to be Paid	621
Finance Lease, Liability, Payment, Due	30
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	(136)
Finance Lease, Liability, Undiscounted Excess Amount	(1)
Operating Lease, Liability	485
Finance Lease, Liability	$ 29

Employee Stock Compensation Plans

12 Months Ended

Dec. 31, 2021

Share-based Payment Arrangement [Abstract]

Employee Stock Compensation Plans

8. STOCK COMPENSATION PLANS

The Company recognizes all share-based payments as compensation expense in its financial statements based on their fair value. As of December 31, 2021, the Company’s stock-based compensation consisted of restricted stock units, employee stock purchase plan and stock options. The Company recorded stock-based compensation expense for the years ended December 31 as follows:


In millions	2021		2020		2019
Restricted stock units	$	123	$	78	$	94
Employee stock purchase plan	8		6		4
Stock options	23		24		9
Stock-based compensation expense	154		108		107
Tax benefit	(18)		(13)		(12)
Total stock-based compensation (net of tax)	$	136	$	95	$	95

Approximately 30 million shares remain authorized to be issued under the 2017 Stock Incentive Plan (“SIP”). Details of the Company's stock-based compensation plans are discussed below.

Restricted Stock Units

The SIP provides for the grant of several different forms of stock-based compensation, including restricted stock units. Restricted stock units can have service-based and/or performance-based vesting with performance goals being established by the Compensation and Human Resource Committee of the Company’s Board of Directors. Any grant of restricted stock units is generally subject to a vesting period of 12 months to 48 months, to the extent permitted by the SIP. Performance-based grants conditionally vest upon achievement of future performance goals based on performance criteria such as the Company’s achievement of specific return on capital and/or other financial metrics (as defined in the SIP) during the performance period. Performance-based grants must be earned, based on performance, before the actual number of shares to be awarded is known. The Compensation and Human Resource Committee considers the likelihood of meeting the performance criteria based upon estimates and other relevant data, and certifies performance based on its analysis of achievement against the performance criteria. A recipient of restricted stock units does not have the rights of a stockholder and is subject to restrictions on transferability and risk of forfeiture. Other terms and conditions applicable to any award of restricted stock units will be determined by the Compensation and Human Resource Committee and set forth in the agreement relating to that award.

As discussed in Note 3, “Business Combinations and Divestitures”, the Company converted certain outstanding unvested Cardtronics awards into NCR awards pursuant to an exchange ratio as defined in the acquisition agreement. Each restricted stock award that was outstanding, whether performance-based or time-based, was converted into time-based awards, and will continue to be governed by the same vesting terms as the original Cardtronics awards.

The following table reports restricted stock unit activity during the year ended December 31, 2021:


Shares in thousands	Number of Units	Weighted Average Grant-Date Fair Value per Unit
Unvested shares as of January 1	6,658	$	26.84
Shares granted	4,768	$	34.00
Shares converted per acquisition agreement	1,283	$	44.30
Shares vested	(4,263)	$	27.89
Shares forfeited	(524)	$	35.34
Unvested shares as of December 31	7,922	$	32.86

Stock-based compensation expense is recognized in the financial statements based upon fair value. The total fair value of units vested and distributed in the form of NCR common stock was $119 million in 2021, $74 million in 2020, and $78 million in 2019. As of December 31, 2021, there was $132 million of unrecognized compensation cost related to unvested restricted stock unit grants. The unrecognized compensation cost is expected to be recognized over a remaining weighted-average period of 1.0 year. The weighted average grant date fair value for restricted stock unit awards granted in 2020 and 2019 was $26.50 and

$24.31, respectively. The weighted average grant date fair value of restricted stock awards assumed through the Cardtronics acquisition is based on the fair value on the date assumed.

The following table represents the composition of restricted stock unit grants in 2021:


Shares in thousands	Number of Units	Weighted Average Grant-Date Fair Value
Service-based units	1,708	$	36.13
Performance-based units	3,060	$	32.81
Total restricted stock units	4,768	$	34.00

On February 23, 2021, the Company granted market-based restricted stock units with 50% of the award vesting on December 31, 2022 and 50% of the award vesting on December 31, 2023. The number of awards that vest are subject to the performance of the Company's stock price from the date of grant to December 31, 2022. The fair value was determined to be $47.20 based on using a Monte-Carlo simulation model and will be recognized over the requisite service period. The table below details the assumptions used in determining the fair value of the market-based restricted stock units granted on February 23, 2021.



Dividend yield	—	%
Risk-free interest rate	0.10	%
Expected volatility	57.20	%

Expected volatility for the market-based restricted stock units is calculated as the historical volatility of the Company’s stock over a period of three years, as management believes this is the best representation of prospective trends. The risk-free interest rate was determined based on a blend of the one and two year U.S. Treasury yield curves in effect at the time of the grant.

On September 22, 2021, the Company granted market-based restricted stock units with the award vesting on September 9, 2024. The number of awards that vest are subject to the performance of the Company's stock price from the date of grant to September 9, 2024. The fair value was determined to be $51.02 based on using a Monte-Carlo simulation model and will be recognized over the requisite service period. The table below details the assumptions used in determining the fair value of the market-based restricted stock units granted on September 22, 2021.



Dividend yield	—	%
Risk-free interest rate	0.47	%
Expected volatility	58.47	%

Expected volatility for the market-based restricted stock units is calculated as the historical volatility of the Company’s stock over a period of three years, as management believes this is the best representation of prospective trends. The risk-free interest rate was determined based on a blend of the two years and three years U.S. Treasury yield curves in effect at the time of the grant.

Stock Options

The SIP also provides for the grant of stock options to purchase shares of NCR common stock. The Compensation and Human Resource Committee has discretion to determine the material terms and conditions of option awards under the SIP, provided that (i) the exercise price must be no less than the fair market value of NCR common stock (defined as the closing price) on the date of grant, (ii) the term must be no longer than ten years, and (iii) in no event shall the normal vesting schedule provide for vesting in less than one year. Other terms and conditions of an award of stock options will be determined by the Compensation and Human Resource Committee as set forth in the agreement relating to that award. The Compensation and Human Resource Committee has authority to administer the SIP, except that the Committee on Directors and Governance of the Company’s Board of Directors will administer the SIP with respect to non-employee members of the Board of Directors. New shares of the Company’s common stock are issued as a result of stock option exercises.

During the year ended December 31, 2021, the Company did not grant any stock options. As discussed in Note 3, “Business Combinations and Divestitures”, the Company converted certain outstanding unvested Cardtronics awards into NCR awards. Cardtronics stock option awards were converted into NCR stock option awards with an exercise price per share for option awards equal to the exercise price per share of such stock option award immediately prior to the completion of the acquisition divided by the exchange ratio (as defined in the acquisition agreement) and will continue to be governed generally by the same terms and conditions as were applicable prior to the acquisition. The fair value of options that the Company assumed in connection with the acquisition of Cardtronics were estimated using the Black-Scholes model.

During the year ended December 31, 2020, stock options granted were premium-priced stock options with an exercise price equal to either 110% or 115% of the closing stock price on the date of the grant. The weighted average exercise price of the stock options granted in the year ended December 31, 2020 was $36.26. The weighted average fair value of the option grants was $7.64 for the year ended December 31, 2020 based on using a Monte-Carlo simulation model and will be recognized over the requisite service period. These option grants have a 7 year contractual term that vest at the end of 36 months.

The table below details the assumptions used in determining the fair value of the option grants:


	For the year ended December 31, 2020
Dividend yield	—
Risk-free interest rate	1.34	%
Expected volatility	34.63	%
Expected holding period - years	3.7

Expected volatility is calculated as the historical volatility of the Company’s stock over a period equal to the expected term of the options, as management believes this is the best representation of prospective trends. The Company uses historical data to estimate option exercise and employee terminations within the valuation model. The expected holding period represents the period of time that options are expected to be outstanding. For the options granted during the year ended December 31, 2020, the seven-year U.S. Treasury yield curve was used to determine the risk-free interest rate.

The following table summarizes the Company’s stock option activity for the year ended December 31, 2021:


Shares in thousands	Shares Under Option	Weighted Average Exercise Price per Share		Weighted Average Remaining Contractual Term (in years)	Aggregate Intrinsic Value (in millions)
Outstanding as of January 1	9,798	$	32.82
Granted	—	—
Assumed through acquisition	192	$	28.93
Exercised	(832)	$	30.54
Forfeited or expired	(79)	$	30.64
Outstanding as of December 31	9,079	$	32.96	4.54	$	65.69
Fully vested and expected to vest as of December 31	4,987	$	33.91	4.83	$	31.39
Exercisable as of December 31	4,074	$	31.82	4.18	$	34.13

As of December 31, 2021, the total unrecognized compensation cost of $21 million related to unvested stock option grants is expected to be recognized over a weighted average period of approximately 0.6 years.

The total intrinsic value of all options exercised was $9 million in 2021, $1 million in 2020, and $1 million in 2019. Cash received from option exercises under all share-based payment arrangements was $25 million in 2021, $2 million in 2020, and $2 million in 2019. The tax benefit realized from option exercises was $1 million in 2021. There was no tax benefit realized from stock options exercised in 2020 and 2019.

Employee Stock Purchase Plan

The Company's amended Employee Stock Purchase Plan (“ESPP”) provides employees a 15% discount on stock purchases using a three-month look-back feature where the discount is applied to the stock price that represents the lower of NCR’s closing stock price on either the first day or the last day of each calendar quarter. Participants can contribute between 1% and 10% of their compensation. The amended ESPP was approved by NCR stockholders in 2016 and became effective January 1, 2017.

Employees purchased approximately 0.8 million shares in 2021, 1.3 million shares in 2020, and 0.8 million shares in 2019, for approximately $26 million in 2021, $21 million in 2020 and $18 million in 2019. A total of 4 million shares were originally authorized to be issued under the ESPP before its amendment. Under the amended ESPP, 10 million shares were newly authorized to be issued, plus any shares remaining unissued under the prior ESPP after the last 2016 purchase date. Approximately 6.8 million authorized shares remain unissued under our amended ESPP as of December 31, 2021.

Series A Preferred Stock (Details) - USD ($)	12 Months Ended
Series A Preferred Stock (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Oct. 12, 2020	Oct. 06, 2020	Sep. 18, 2019	Mar. 17, 2017	Dec. 04, 2015
Class of Stock [Line Items]
Series A preferred shares, shares issued		300,000
Deemed Dividend on Preferred Stock Redemption	$ (12,000,000)	$ (67,000,000)
Financial instruments subject to redemption, settlement terms, maximum number of shares	9,200,000
Dividends, Paid-in-kind		10,000,000	$ 43,000,000
Dividends, Cash	$ 15,000,000	$ 9,000,000
Convertible Preferred Stock [Member]
Class of Stock [Line Items]
Series A preferred shares, shares issued								820,000
Aggregate purchase price								$ 820,000,000
Stated Value Of Preferred Shares Per Share		$ 1,000
Direct Issuance Expenses								$ 26,000,000
Secondary offering by the preferred shareholders							342,000
Redeemed Shares of Preferred Stock				65,365	67,000	512,221	90,000
Repurchase price per share of common stock upon conversion							$ 48.47
Dividend Rate for preferred shares								5.50%
Conversion price per preferred share								$ 30.00
Conversion rate per preferred share	33.333
Blackstone Shares Converted into Common Shares						237,673
Cash Paid for the Redemption of Preferred Stock				$ 72,000,000	$ 72,000,000	$ 302,000,000
Stock Issued During Period, Shares, Conversion of Convertible Securities	9,160,000
Dividend rate for preferred shares; Undeclared dividend	8.00%

Description of Business and Significant Accounting Policies - Revenue Recognition (Details)	12 Months Ended
	Dec. 31, 2021
Concentration Risk [Line Items]
Contract term used to recognize set up fees	5 years
Period of benefit used to amortize set up costs	7 years
Revenue Benchmark [Member] \| Bill and Hold Transactions [Member] \| Maximum [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	1.00%

Supplemental Financial Information - Accounts Receivable (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Accounts Receivable, after Allowance for Credit Loss, Current [Abstract]
Accounts receivable	$ 983	$ 1,168
Less: allowance for doubtful accounts	(24)	(51)
Total accounts receivable, net	959	1,117
Trade [Member]
Accounts Receivable, after Allowance for Credit Loss, Current [Abstract]
Accounts receivable	939	1,120
Other [Member]
Accounts Receivable, after Allowance for Credit Loss, Current [Abstract]
Accounts receivable	$ 44	$ 48

Supplemental Financial Information Supplemental Financial Information - Other (Expense) Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other (Expense) Income [Abstract]
Interest and Other Income	$ 8	$ 8	$ 5
Foreign currency fluctuations and foreign exchange contracts	(22)	(14)	(23)
Employee Benefit Plans Amounts Included in Other Income Expense	(131)	31	82
Bank Related Fees Included in Other Income Expense	27	5	7
gain on equity liquidations	0	0	37
Equity Method Investment, Other than Temporary Impairment	0	(7)	0
Remeasurement of pension plan assets and liabilities	(118)
Business Combination, Bargain Purchase, Gain Recognized, Amount	0	7	0
Other Nonoperating Expense	0	0	(3)
Other Nonoperating Income (Expense)	$ 90	$ (42)	$ (73)

Debt Obligations (Tables)

12 Months Ended

Dec. 31, 2021

Debt Disclosure [Abstract]

Schedule of Debt Obligations [Table Text Block]

The following table summarizes the Company's short-term borrowings and long-term debt:


		December 31, 2021			December 31, 2020
In millions, except percentages		Amount		Weighted-Average Interest Rate	Amount		Weighted-Average Interest Rate
Short-Term Borrowings
Current portion of Senior Secured Credit Facility (1)		$	56	2.63%	$	8	2.65%

Other (1)		1		2.13%	—		—%
	Total short-term borrowings	$	57		$	8
Long-Term Debt
Senior Secured Credit Facility:
	Term loan facilities (1)	$	1,884	2.63%	$	733	2.65%
	Revolving credit facility (1)	380		2.36%	75		2.40%
Senior Notes:


	8.125% Senior Notes due 2025	—			400
	5.750% Senior Notes due 2027	500			500
	5.000% Senior Notes due 2028	650			650
	5.125% Senior Notes due 2029	1,200			—
	6.125% Senior Notes due 2029	500			500
	5.250% Senior Notes due 2030	450			450
Deferred financing fees		(60)			(40)
Other (1)		1		6.62%	2		7.68%
	Total long-term debt	$	5,505		$	3,270

(1) Interest rates are weighted average interest rates as of December 31, 2021 and 2020.

Schedule of Maturities of Long-term Debt [Table Text Block]

Debt Maturities Maturities of debt outstanding, in principal amounts, at December 31, 2021 are summarized below:


			For the years ended December 31
In millions	Total		2022		2023		2024		2025		2026		Thereafter
Debt maturities	$	5,622	$	57	$	106	$	486	$	105	$	1,568	$	3,300

Business Combinations and Divestitures Other 2019 Acquisitions (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2019
Business Acquisition [Line Items]
Goodwill	$ 2,837	$ 4,519	$ 2,832
Other Hospitality Acquisitions
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net	20
Business Combination, Consideration Transferred, Liabilities Incurred	2
Goodwill	17
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill	$ 6
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	8 years

Fair Value of Assets and Liabilities (Tables)

12 Months Ended

Dec. 31, 2021

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]

Assets and liabilities recorded at fair value on a recurring basis as of December 31, 2021 and 2020 are set forth as follows:


			December 31, 2021						December 31, 2020
			Fair Value Measurements Using						Fair Value Measurements Using
In millions	December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets:
Deposits held in money market mutual funds (1)	$	17	$	17	$	—	$	—	$	22	$	22	$	—	$	—
Foreign Investments (2)	—		—		—		—		2		—		2		—
Foreign exchange contracts (2)	1		—		1		—		—		—		—		—
Interest rate cap agreements (3)	18		—		18		—		—		—		—		—
Total	$	36	$	17	$	19	$	—	$	24	$	22	$	2	$	—
Liabilities:
Foreign exchange contracts (4)	1		—		1		—		1		—		1		—
Total	$	1	$	—	$	1	$	—	$	1	$	—	$	1	$	—

(1) Included in Cash and cash equivalents in the Consolidated Balance Sheets.

(2) Included in Other current assets in the Consolidated Balance Sheets.

(3) Included in Other current assets and Other assets in the Consolidated Balance Sheets.

(4) Included in Other current liabilities in the Consolidated Balance Sheets.

Business Combinations and Divestitures - Acquisition of Cardtronics plc (Details) - USD ($) $ / shares in Units, $ in Millions	6 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Jan. 25, 2021	Dec. 31, 2019
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Consideration Transferred		$ 2	$ 20
Goodwill	$ 4,519	4,519	2,837		$ 2,832
Business Acquisition, Goodwill, Expected Tax Deductible Amount	9	9
Business Combination, Pro Forma Information, Revenue of Acquiree since Acquisition Date, Actual	627
Cardtronics Income from Operations before income taxes	39
Business Acquisition, Pro Forma Revenue		7,634	7,210
Business Acquisition, Pro Forma Net Income (Loss)		286	(216)
Business Acquisition, Pro Forma Eliminations, Revenue		53	91
Business Acquisition, Pro Forma Expenses Incremental Amortization Changes Attributable to Acquiree		25	51
BusinessAcquisitionsProFormaExpensesTransactionsCosts		87	65
Business Acquisition Pro Forma Expenses Incremental Interest Charges Attributable to Acquiree		35	$ 79
Cardtronics
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Acquisition, Transaction Costs	46	46
Cardtronics
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Acquisition, Share Price				$ 39.00
Business Combination, Consideration Transferred, Cash and Certain Restricted Stock and Stock Option Awards		1,775
Business Combination, Consideration Transferred, Liabilities Incurred		809
Business Combination, Consideration Transferred, Transaction Costs Paid by NCR on Behalf of Cardtronic		57
Converted Cardtronics Awards Attributable to Pre-Combination Services		19
Business Combination, Consideration Transferred, Settlement of Pre-Existing relationships		14
Business Combination, Consideration Transferred		2,674
Goodwill	1,604	1,604
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	291	291
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Receivables	85	85
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Prepaid Expense and Other Assets	194	194
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment	362	362
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	864	864
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	1,796	1,796
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	726	726
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net	1,070	1,070
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	864	864
Business Acquisition, Goodwill, Expected Tax Deductible Amount	139	139
Cardtronics \| Customer Relationships [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	373	$ 373
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		15 years
Cardtronics \| Patented Technology [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	441	$ 441
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		8 years
Cardtronics \| Noncompete Agreements
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	1	$ 1
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		1 year
Cardtronics \| Tradenames [Member]
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 49	$ 49
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		4 years

Segment Information

12 Months Ended

Dec. 31, 2021

Segment Reporting [Abstract]

Segment Information

4. SEGMENT INFORMATION AND CONCENTRATIONS

The Company manages and reports its business in the following segments:

•Banking - We offer solutions to customers in the financial services industry that power their digital transformation through software, services and hardware to deliver differentiated experiences for their customers and improve efficiency for the financial institution. NCR's digital banking solutions enable anytime-anywhere convenience for a

financial institution’s consumer and business customers. Our account opening software unifies the sales and onboarding experience across digital, branch and call center channels for mid-market community banks and credit unions. We also help institutions implement their digital-first platform strategy by providing solutions for banking channel services, transaction processing, imaging, and branch services. We offer credit unions, banks, digital banks, Fintechs, stored-value debit card issuers, and other consumer financial services providers access to our Allpoint retail-based ATM network, providing convenient and fee-free cash withdrawal and deposit access to their customers and cardholders. We also provide branding opportunities for financial institutions on our extensive ATM network, providing a cost-effective way for banks to expand their presence and customer service and experience. Our managed services and ATM-as-a-Service help banks run their end-to-end ATM channel, including transaction processing, managing cash and cash delivery, supplies, and telecommunications as well as routine and technical maintenance, positioning NCR as a strategic partner. We augment these solutions by offering a full line of software, services and hardware.

•Retail - We offer software-led solutions to customers in the retail industry, leading with digital to connect retail operations end to end to integrate all aspects of a customer’s operations in indoor and outdoor settings from POS, to payments, inventory management, fraud and loss prevention applications, loyalty and consumer engagement. These solutions are designed to improve operational efficiency, selling productivity, customer satisfaction and purchasing decisions; provide secure checkout processes and payment systems; and increase service levels. Solutions include retail-oriented technologies such as comprehensive API-point of sale retail software platforms and applications, SCO, other hardware terminals and peripherals, payment processing solutions, consumer engagement solutions like eCommerce and loyalty, along with the necessary consulting, implementation, support and managed services to meet our customers' needs.

•Hospitality - We offer technology solutions to customers in the hospitality industry, including table-service, quick-service and fast casual restaurants of all sizes, that are designed to improve operational efficiency, increase customer satisfaction, streamline order and transaction processing and reduce operating costs. Our portfolio includes cloud-based and cloud-enabled software applications for point-of-sale, back office, payment processing, kitchen production, restaurant management, eCommerce and consumer marketing and loyalty. We also provide hospitality-oriented hardware products such as POS terminals, kitchen display systems, handheld devices, printers and peripherals. Finally, we help reduce the complexities of running the restaurant through our services capabilities including strategic consulting, technology deployment and implementation, support and managed services.

•Telecommunications & Technology - We offer managed network and infrastructure services to enterprise clients across all industries via direct relationships with communications service providers and technology manufacturers. Our customers rely on us as a strategic partner to help them reduce complexity, improve cost efficiency, and enable global geographical reach. We deliver expert professional, field, and remote services for modern network technologies including Software-Defined Wide Area Networking, Network Functions Virtualization, Wireless Local Area Networks, Optical Networking, and Cloud Computing.

These segments represent components of the Company for which separate financial information is available that is utilized on a regular basis by the chief operating decision maker in assessing segment performance and in allocating the Company's resources. Management evaluates the performance of the segments based on revenue and adjusted EBITDA. The Company previously evaluated the performance of the segments based on segment operating income. Adjusted EBITDA is defined as GAAP net income (loss) from continuing operations attributable to NCR plus interest expense, net; plus income tax expense (benefit); plus depreciation and amortization; plus stock-based compensation expense; plus other income (expense); plus pension mark-to-market adjustments, pension settlements, pension curtailments and pension special termination benefits and other special items, including amortization of acquisition-related intangibles and restructuring charges, among others. The special items are considered non-operational so are excluded from the adjusted EBITDA metric utilized by our chief operating decision maker in evaluating segment performance and are separately delineated to reconcile back to total reported GAAP net income (loss) from operations attributable to NCR.

Assets are not allocated to segments, and thus are not included in the assessment of segment performance. Consequently, we do not disclose total assets by reportable segment.

The accounting policies used to determine the results of the operating segments are the same as those utilized for the consolidated financial statements as a whole. Inter-segment sales and transfers are not material.

Corporate and Other reconciles our segment results to adjusted EBITDA, which primarily includes other income (expense) that are managed only on a total company basis and are, accordingly, reflected only in consolidated results.

The following table presents revenue and adjusted EBITDA by segment for the years ended December 31:


In millions	2021		2020		2019
Revenue by segment
Banking	$	3,730	$	3,098	$	3,512
Retail	2,281		2,080		2,217
Hospitality	848		684		843
T&T	297		345		343
Consolidated revenue	$	7,156	$	6,207	$	6,915
Adjusted EBITDA by segment
Banking	$	777	$	546	$	663
Retail	322		255		262
Hospitality	117		73		115
T&T	40		39		57
Corporate and Other	(12)		(17)		(39)
Total Adjusted EBITDA	$	1,244	$	896	$	1,058

The following table reconciles net income (loss) from continuing operations to adjusted EBITDA for the years ended December 31:


In millions	2021		2020		2019
Net Income (Loss) from Continuing Operations Attributable to NCR (GAAP)	$	97	$	(7)	$	614
Transformation and restructuring costs	66		234		58
Acquisition-related amortization of intangibles	132		81		86
Acquisition-related costs	98		(6)		3
Pension mark-to-market adjustments	(118)		34		75
Depreciation and amortization (excluding acquisition-related amortization of intangibles)	357		275		232

Loss on debt extinguishment	42		20		—
Interest expense	238		218		197
Interest income	(8)		(8)		(4)
Internal reorganization & IP transfer	—		—		(37)
Income tax expense (benefit)	186		(53)		(273)
Stock-based compensation expense	154		108		107
Adjusted EBITDA (Non-GAAP)	$	1,244	$	896	$	1,058

The following table presents recurring revenue and all other products and services that is recognized at a point in time for NCR for the years ended December 31:


In millions	2021		2020		2019
Recurring revenue (1)	$	4,166	$	3,338	$	3,182
All other products and services	2,990		2,869		3,733
Total revenue	$	7,156	$	6,207	$	6,915


In millions	2021		%		2020		%		2019		%
Revenue by Geographic Area
United States	$	3,632	51	%	$	3,065	49	%	$	3,481	50	%
Americas (excluding United States)	723		10	%	617		10	%	693		10	%
Europe, Middle East and Africa	1,883		26	%	1,679		27	%	1,843		27	%
Asia Pacific	918		13	%	846		14	%	898		13	%
Total revenue	$	7,156	100	%	$	6,207	100	%	$	6,915	100	%

The following table presents property, plant and equipment by geographic area as of December 31:


In millions	2021		2020
Property, plant and equipment, net
United States	$	429	$	244
Americas (excluding United States)	26		14
Europe, Middle East and Africa	197		75
Asia Pacific	51		40
Consolidated property, plant and equipment, net	$	703	$	373

Concentrations No single customer accounts for more than 10% of NCR’s consolidated revenue and accounts receivable as of and for the years ended December 31, 2021, 2020, and 2019. As of December 31, 2021, 2020, and 2019, NCR is not aware of any significant concentration of business transacted with a particular customer that could, if suddenly eliminated, have a material adverse effect on NCR’s operations. NCR also lacks a concentration of available sources of labor, services, licenses or other rights that could, if suddenly eliminated, have a material adverse effect on its operations.

A number of NCR’s products, systems and solutions rely primarily on specific suppliers for microprocessors and other component products, manufactured assemblies, operating systems, commercial software and other central components. NCR also utilizes contract manufacturers in order to complete manufacturing activities. There can be no assurances that any sudden impact to the availability or cost of these technologies or services would not have a material adverse effect on NCR’s operations.

- 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
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8924-108599

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8981-108599

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 21
-Subparagraph (a)
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
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-Paragraph 40
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9031-108599

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8844-108599

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
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-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9038-108599

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9054-108599

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8657-108599

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
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-Paragraph 21
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8721-108599

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-URI http://asc.fasb.org/topic&trid=2134510

+ Details

Debt Obligations (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Aug. 21, 2019
Debt Instrument [Line Items]
Short-term borrowings	$ 57	$ 8
Long-term debt	5,505	3,270
Deferred Financing Fees	60	40
Term Loan [Member]
Debt Instrument [Line Items]
Long-term debt	$ 1,884	$ 733
Long-term Debt, Weighted Average Interest Rate, at Point in Time	2.63%	2.65%
Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	$ 380	$ 75
Long-term Debt, Weighted Average Interest Rate, at Point in Time	2.36%	2.40%
8.125% Notes Due 2025 [Member]
Debt Instrument [Line Items]
Long-term debt	$ 0	$ 400
5.750% Senior Notes due 2027 [Member]
Debt Instrument [Line Items]
Long-term debt	500	500
Debt Instrument, Interest Rate, Stated Percentage			5.75%
5.000% Senior Notes due 2028
Debt Instrument [Line Items]
Long-term debt	$ 650	650
Debt Instrument, Interest Rate, Stated Percentage	5.00%
5.125% Senior Notes due 2029
Debt Instrument [Line Items]
Long-term debt	$ 1,200	0
Debt Instrument, Interest Rate, Stated Percentage	5.125%
6.125% Senior Notes due 2029 [Member]
Debt Instrument [Line Items]
Long-term debt	$ 500	500
Debt Instrument, Interest Rate, Stated Percentage	6.125%		6.125%
5.250% Senior Notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 450	$ 450
Debt Instrument, Interest Rate, Stated Percentage	5.25%	5.25%
Other Debt [Member]
Debt Instrument [Line Items]
Long-term debt	$ 1	$ 2
Long-term Debt, Weighted Average Interest Rate, at Point in Time	6.62%	7.68%
Term Loan [Member]
Debt Instrument [Line Items]
Long-term Debt, Current Maturities	$ 56	$ 8
Short-term Debt, Weighted Average Interest Rate, at Point in Time	2.63%	2.65%
Other Debt [Member]
Debt Instrument [Line Items]
Short-term borrowings	$ 1	$ 0
Short-term Debt, Weighted Average Interest Rate, at Point in Time	2.13%	0.00%

Employee Stock Compensation Plans (Tables)

12 Months Ended

Dec. 31, 2021

Share-based Payment Arrangement [Abstract]

Share-based Payment Arrangement, Cost by Plan [Table Text Block]

As of December 31, 2021, the Company’s stock-based compensation consisted of restricted stock units, employee stock purchase plan and stock options. The Company recorded stock-based compensation expense for the years ended December 31 as follows:


In millions	2021		2020		2019
Restricted stock units	$	123	$	78	$	94
Employee stock purchase plan	8		6		4
Stock options	23		24		9
Stock-based compensation expense	154		108		107
Tax benefit	(18)		(13)		(12)
Total stock-based compensation (net of tax)	$	136	$	95	$	95

Share-based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]

The following table reports restricted stock unit activity during the year ended December 31, 2021:


Shares in thousands	Number of Units	Weighted Average Grant-Date Fair Value per Unit
Unvested shares as of January 1	6,658	$	26.84
Shares granted	4,768	$	34.00
Shares converted per acquisition agreement	1,283	$	44.30
Shares vested	(4,263)	$	27.89
Shares forfeited	(524)	$	35.34
Unvested shares as of December 31	7,922	$	32.86

$24.31, respectively. The weighted average grant date fair value of restricted stock awards assumed through the Cardtronics acquisition is based on the fair value on the date assumed.

The following table represents the composition of restricted stock unit grants in 2021:


Shares in thousands	Number of Units	Weighted Average Grant-Date Fair Value
Service-based units	1,708	$	36.13
Performance-based units	3,060	$	32.81
Total restricted stock units	4,768	$	34.00

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]


	For the year ended December 31, 2020
Dividend yield	—
Risk-free interest rate	1.34	%
Expected volatility	34.63	%
Expected holding period - years	3.7

Share-based Payment Arrangement, Option, Activity [Table Text Block]

The following table summarizes the Company’s stock option activity for the year ended December 31, 2021:


Shares in thousands	Shares Under Option	Weighted Average Exercise Price per Share		Weighted Average Remaining Contractual Term (in years)	Aggregate Intrinsic Value (in millions)
Outstanding as of January 1	9,798	$	32.82
Granted	—	—
Assumed through acquisition	192	$	28.93
Exercised	(832)	$	30.54
Forfeited or expired	(79)	$	30.64
Outstanding as of December 31	9,079	$	32.96	4.54	$	65.69
Fully vested and expected to vest as of December 31	4,987	$	33.91	4.83	$	31.39
Exercisable as of December 31	4,074	$	31.82	4.18	$	34.13

Description of Business and Significant Accounting Policies - Capitalized Software and Property, Plant and Equipment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Depreciation	$ 140	$ 88	$ 79
Capitalized Software [Roll Forward]
Beginning balance	442	413	325
Capitalization	242	232	238
Amortization	(185)	(171)	(148)
Impairment	(24)	(32)	(2)
Ending balance	$ 475	$ 442	$ 413
Machinery and other equipment [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
Machinery and other equipment [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	20 years
Building [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	25 years
Building [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	45 years
Software Development Costs, Internal Use [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Capitalized computer software, useful life	4 years
Software Development Costs, Internal Use [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Capitalized computer software, useful life	7 years
Software and Software Development Costs [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Capitalized computer software, useful life	3 years
Software and Software Development Costs [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Capitalized computer software, useful life	5 years

Commitments and Contingencies Warranty Reserve Detail (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Product Warranty Liability [Line Items]
Standard Product Warranty Accrual	$ 19	$ 18	$ 21	$ 26
Standard Product Warranty Accrual, Increase for Warranties Issued	28	30	37
Standard Product Warranty Accrual, Decrease for Payments	$ 27	$ 33	$ 42

Goodwill and Purchased Intangible Assets - Schedule of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Goodwill [Roll Forward]
Goodwill, Gross	$ 3,006	$ 3,001
Accumulated Impairment Losses	(169)	(169)
Goodwill	2,837	2,832
Additions	1,687	1
Goodwill, Impairment Loss	0	0
Other	5	(4)
Goodwill, Gross	4,688	3,006
Accumulated Impairment Losses	(169)	(169)
Goodwill Total	4,519	2,837
Banking Segment [Member]
Goodwill [Roll Forward]
Goodwill, Gross	1,772	1,774
Accumulated Impairment Losses	(101)	(101)
Goodwill	1,671	1,673
Additions	1,639	0
Goodwill, Impairment Loss	0	0
Other	0	(2)
Goodwill, Gross	3,411	1,772
Accumulated Impairment Losses	(101)	(101)
Goodwill Total	3,310	1,671
Retail
Goodwill [Roll Forward]
Goodwill, Gross	643	638
Accumulated Impairment Losses	(34)	(34)
Goodwill	609	604
Additions	37	0
Goodwill, Impairment Loss	0	0
Other	(2)	5
Goodwill, Gross	678	643
Accumulated Impairment Losses	(34)	(34)
Goodwill Total	644	609
Hospitality
Goodwill [Roll Forward]
Goodwill, Gross	404	402
Accumulated Impairment Losses	(23)	(23)
Goodwill	381	379
Additions	11	1
Goodwill, Impairment Loss	0	0
Other	(3)	(1)
Goodwill, Gross	412	404
Accumulated Impairment Losses	(23)	(23)
Goodwill Total	389	381
Other Segments [Member]
Goodwill [Roll Forward]
Goodwill, Gross	187	187
Accumulated Impairment Losses	(11)	(11)
Goodwill	176	176
Additions	0	0
Goodwill, Impairment Loss	0	0
Other	0	0
Goodwill, Gross	187	187
Accumulated Impairment Losses	(11)	(11)
Goodwill Total	$ 176	$ 176

Employee Benefit Plans - Unobservable Input Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Foreign Plan [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of plan assets as of January 1	$ 1,118	$ 1,058
Fair value of plan assets as of December 31	1,106	1,118
Foreign Plan [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of plan assets as of January 1	152	131
Realized and unrealized gains and losses, net	1	21
Purchases, sales and settlements, net	0	0
Transfers, net	0	0
Fair value of plan assets as of December 31	151	152
U.S. Pension Benefits
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of plan assets as of January 1	1,528	1,377
Fair value of plan assets as of December 31	1,379	1,528
U.S. Pension Benefits \| Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of plan assets as of January 1	0
Fair value of plan assets as of December 31	$ 0	$ 0

- Definition

Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee.

+ References + Details

Business Combinations and Divestitures Intangibles Acquired - D3 Technology (Details) - D3 Technology [Member] $ in Millions	12 Months Ended
	Dec. 31, 2020 USD ($)
Customer Relationships [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 7
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	11 years
Patented Technology [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 11
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years
Trade Names [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 2
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	7 years
Total acquired intangible assets [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	$ 20

Employee Benefit Plans - Estimated Future Benefit Payments (Details) $ in Millions	Dec. 31, 2021 USD ($)
Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
2019	$ 163
2020	162
2021	164
2022	163
2023	159
2024 - 2028	783
U.S. Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
2019	115
2020	115
2021	115
2022	115
2023	115
2024 - 2028	554
International Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
2019	48
2020	47
2021	49
2022	48
2023	44
2024 - 2028	229
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
2019	1
2020	1
2021	1
2022	1
2023	1
2024 - 2028	2
Postemployment Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
2019	30
2020	18
2021	17
2022	16
2023	15
2024 - 2028	$ 66

Employee Stock Compensation Plans - Restricted Stock and Restricted Stock Units (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions		12 Months Ended
	Sep. 22, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate			34.63%
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested [Roll Forward]
Shares converted per acquisition agreement		1,283,000
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term			3 years 8 months 12 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Shares granted, Weighted Average Grant-Date Fair Value per Share (in dollars per share)			$ 26.50	$ 24.31
Shares converted per acquisition agreement; Weighted Average per unit		$ 44.30
Total intrinsic value of shares vested and distributed		$ 119	$ 74	$ 78
Total unrecognized compensation		$ 21
Total unrecognized compensation cost, period of recognition		1 year
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate			0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate			1.34%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value			$ 7.64
Restricted stock units granted September 22, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Unvested shares, Ending balance, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 51.02
Stock Incentive Plan, 2006 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Description		30
Share-based Payment Arrangement, Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage		50.00%
Share-based Payment Arrangement, Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage		50.00%
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested [Roll Forward]
Unvested shares, Beginning balance, Number of Shares (in shares)		6,658,000
Shares granted, Number of Shares (in shares)		4,768,000
Shares vested, Number of Shares (in shares)		(4,263,000)
Shares forfeited, Number of Shares (in shares)		(524,000)
Unvested shares, Ending balance, Number of Shares (in shares)		7,922,000	6,658,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Unvested shares, Beginning balance, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 26.84
Shares granted, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		34.00
Shares vested, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		27.89
Shares forfeited, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		35.34
Unvested shares, Ending balance, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 32.86	$ 26.84
Total unrecognized compensation		$ 132
Restricted Stock, Service-based [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested [Roll Forward]
Shares granted, Number of Shares (in shares)		1,708,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Shares granted, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 36.13
Restricted Stock, Performance-based [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested [Roll Forward]
Shares granted, Number of Shares (in shares)		3,060,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Shares granted, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 32.81
Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Unvested shares, Ending balance, Weighted Average Grant-Date Fair Value per Share (in dollars per share)		$ 47.20
Performance Shares [Member] \| Restricted stock units granted February 23, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate		57.20%
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate		0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate		0.10%
Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions, Volatility Rate Term		3 years
Performance Shares [Member] \| Restricted stock units granted September 22, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	58.47%
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	0.47%
Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions, Volatility Rate Term		3 years
Minimum [Member] \| Restricted Stock, Performance-based [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award requisite service period		12 months
Minimum [Member] \| Performance Shares [Member] \| Restricted stock units granted February 23, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield		1 year
Minimum [Member] \| Performance Shares [Member] \| Restricted stock units granted September 22, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield		2 years
Maximum [Member] \| Restricted Stock, Performance-based [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award requisite service period		48 months
Maximum [Member] \| Performance Shares [Member] \| Restricted stock units granted February 23, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield		2 years
Maximum [Member] \| Performance Shares [Member] \| Restricted stock units granted September 22, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield		3 years

Business Combinations and Divestitures Origami (Details) - Business Acquisition, OKI Brasil [Member] $ in Millions	12 Months Ended
	Dec. 31, 2021 USD ($)
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	$ 1
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities	9
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	18
Business Combination, Bargain Purchase, Deferred Gain	(7)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	(16)
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net	5
Business combinations, purchase considerations, payable six years from acquisition date
Business Acquisition [Line Items]
Business Combination, Consideration Transferred, Liabilities Incurred	3
Business combinations, Purchase Considerations, Payable Two Years From Acquisition Date
Business Acquisition [Line Items]
Business Combination, Consideration Transferred, Liabilities Incurred	$ 2

Business Combinations and Divestitures Zynstra Details (Details) - Zynstra Ltd. [Member] $ in Millions	12 Months Ended
	Dec. 31, 2020 USD ($)
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net	$ 134
Business Combination, Cash Consideration Paid	112
Business Acquisition, Transaction Costs	$ 2

Accumulated Other Comprehensive Income (Loss) (AOCI) Reclassifications (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses	$ (1,151)	$ (1,069)	$ (1,051)
Research and development expenses	(268)	(234)	(259)
Interest expense	(238)	(218)	(197)
Income (loss) from continuing operations	98	(6)	614
Income tax expense (benefit)	186	(53)	(273)
Net income (loss) attributable to NCR common stockholders	81	(110)	454
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses	1	3
Research and development expenses	(1)	0	0
Income (loss) from continuing operations	(1)	0	(17)
Income tax expense (benefit)	0	1	5
Net income (loss) attributable to NCR common stockholders	(1)	1	(12)
Reclassification out of Accumulated Other Comprehensive Income \| Actuarial losses recognized
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses	1	1	1
Research and development expenses	0	0	0
Income (loss) from continuing operations	(1)	(3)	(3)
Reclassification out of Accumulated Other Comprehensive Income \| Amortization of prior service benefit
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses	0	2	3
Research and development expenses	(1)	0	0
Income (loss) from continuing operations	(1)	(4)	(6)
Reclassification out of Accumulated Other Comprehensive Income \| Effective Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses	0	0	0
Research and development expenses	0	0	0
Income (loss) from continuing operations	1	7	(8)
Reclassification out of Accumulated Other Comprehensive Income \| Accumulated Defined Benefit Plans Adjustment, Net Prior Service Including Portion Attributable to Noncontrolling Interest
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Selling, general and administrative expenses			4
Product [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	1,850	1,733	2,146
Product [Member] \| Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	1	7	(8)
Product [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Actuarial losses recognized
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	0	0	0
Product [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Amortization of prior service benefit
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	0	0	0
Product [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Effective Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	1	7	(8)
Service [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	3,413	2,950	2,848
Service [Member] \| Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	(2)	(4)	(5)
Service [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Actuarial losses recognized
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	0	(2)	(2)
Service [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Amortization of prior service benefit
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	(2)	(2)	(3)
Service [Member] \| Reclassification out of Accumulated Other Comprehensive Income \| Effective Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Cost of products	$ 0	$ 0	$ 0

Employee Benefit Plans - Amounts to be Recognized (Details) $ in Millions	Dec. 31, 2021 USD ($)
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Prior service cost (income)	$ 0
Actuarial loss	1
Postemployment Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Prior service cost (income)	(2)
Actuarial loss	(1)
Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Prior service cost (income)	0
Actuarial loss	0
U.S. Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Prior service cost (income)	0
Actuarial loss	0
International Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Prior service cost (income)	0
Actuarial loss	$ 0

Description of Business and Significant Accounting Policies

12 Months Ended

Dec. 31, 2021

Description of Business and Significant Accounting Policies [Abstract]

Business Description and Accounting Policies [Text Block]

1. BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES

Description of Business NCR Corporation (“NCR”, the “Company”, “we” or “us”) was originally incorporated in 1884 and is a software- and services-led enterprise technology provider that runs stores, restaurants and self-directed banking for our customers, which includes businesses of all sizes. Our software platform, which runs in the cloud and includes microservices and APIs that integrate with our customers' systems, and our NCR-as-a-Service solutions bring together all of the capabilities and competencies of NCR to power the technology to run our customers’ operations. Our portfolio includes digital first software and services offerings for banking, retailers and restaurants, as well as payments processing and networks, multi-vendor connected device services, automated teller machines (“ATMs”), self-checkout (“SCO”), point of sale (“POS”) terminals and other self-service technologies. We also resell third-party networking products and provide related service offerings in the telecommunications and technology sector. Our solutions are designed to support our transition to becoming a software platform and payments company.

Use of Estimates The preparation of financial statements in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”) requires management to make estimates and judgments that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and revenue and expenses during the periods reported.

Although our estimates contemplate current and expected future conditions, as applicable, it is reasonably possible that actual conditions could differ from our expectations, which could materially affect our results of operations and financial position. In particular, a number of estimates have been and will continue to be affected by the ongoing novel coronavirus (“COVID-19”) pandemic. The ultimate impact on our overall financial condition and operating results will depend on the currently unknowable duration and severity of the pandemic, supply chain challenges and cost escalations including materials, labor and freight, and any additional governmental and public actions taken in response. As a result, our accounting estimates and assumptions may change over time as a consequence of the effects of COVID-19. Such changes could result in future impairments of goodwill, intangible assets, long-lived assets, incremental credit losses on accounts receivable and decreases in the carrying amount of our tax assets.

Subsequent Events The Company evaluated subsequent events through the date that our Consolidated Financial Statements were issued. Other than the items discussed below and within the Notes to Consolidated Financial Statements, no matters were identified that required adjustment of the Consolidated Financial Statements or additional disclosure.

Change in reportable segments Effective January 1, 2022, the Company realigned its reportable segments to correspond with changes to its operating model, management structure and organizational responsibilities. The reportable segments effective January 1, 2022 include: Payments & Network; Digital Banking, Self-Service Banking, Retail, and Hospitality. Additionally, effective January 1, 2022, the Company manages Corporate & Other, which includes income and expense that are not specifically attributable to an individual reportable segment and thus will be reflected only in consolidated results, as well as our Telecommunications & Technology business, an immaterial operating segment.

Completed acquisition of LibertyX On January 5, 2022, NCR completed its acquisition of Moon Inc. dba LibertyX, for which we purchased all outstanding shares for approximately 1.4 million shares of the Company's common stock and as a result LibertyX will become a wholly-owned subsidiary of NCR in the first quarter of 2022. LibertyX is a leading cryptocurrency software provider. The initial accounting for the business combination is incomplete as a result of the timing of the acquisition.

Executed interest rate swap contract On January 18, 2022, the Company entered into an interest rate swap contract to hedge its exposure on variable interest rates on vault cash rental obligations. The swap was implemented at a notional value of $250 million and protects the Company against potential interest rate fluctuations in line with our interest rate risk management strategy outlined in Note 13, “Derivatives and Hedging Instruments”.

Basis of Consolidation The consolidated financial statements include the accounts of NCR and its majority-owned subsidiaries. Long-term investments in affiliated companies in which NCR owns between 20% and 50%, and therefore, exercises significant influence, but which it does not control, are accounted for using the equity method. Investments in which NCR does not exercise significant influence (generally, when NCR has an investment of less than 20% and no significant influence, such as representation on the investee’s board of directors) are accounted for using the cost method. All significant

inter-company transactions and accounts have been eliminated. In addition, the Company is required to determine whether it is the primary beneficiary of economic income or losses that may be generated by variable interest entities in which the Company has such an interest. In circumstances where the Company determined it is the primary beneficiary, consolidation of that entity would be required. For the periods presented, no variable interest entities have been consolidated.

On June 21, 2021, we completed the acquisition of Cardtronics plc (“Cardtronics”). The December 31, 2021 year-to-date results include the operations of Cardtronics from June 21, 2021 to December 31, 2021. Refer to Note 3, “Business Combinations and Divestitures”, for additional disclosure.

Reclassifications Certain prior-period amounts have been reclassified in the accompanying Consolidated Financial Statements and Notes thereto in order to conform to the current period presentation.

Revenue Recognition The Company records revenue, net of sales tax, when the following five steps have been completed:

•Identification of the contract(s) with a customer

•Identification of the performance obligation(s) in the contract

•Determination of the transaction price

•Allocation of the transaction price to the performance obligations in the contract

•Recognition of revenue when, or as, we satisfy performance obligations

The Company records revenue when, or as, performance obligations are satisfied by transferring control of a promised good or service to the customer, in an amount that reflects the consideration we expect to be entitled to in exchange for products and services. The Company evaluates the transfer of control primarily from the customer’s perspective where the customer has the ability to direct the use of and obtain substantially all of the remaining benefits from that good or service. The Company does not adjust the transaction price for taxes collected from customers, as those amounts are netted against amounts remitted to government authorities.

NCR enters contracts that include multiple distinct performance obligations, including hardware, software, professional consulting and managed services, payment processing services, installation services and maintenance support services. A promise to a customer is considered distinct when the product or service is both capable of being distinct, and distinct in the context of the contract. For these arrangements, the Company allocates the transaction price, at contract inception, to each distinct performance obligation on a relative standalone selling price basis. The primary method used to estimate standalone selling price is the price that the Company charges for that good or service when the Company sells it separately in similar circumstances to similar customers.

For hardware products, control is generally transferred when the customer has the ability to direct the use of and obtain substantially all of the remaining benefits of the products, which generally coincides with when the customer has assumed title and risk of loss of the goods sold. In certain instances, customer acceptance is required prior to the passage of title and risk of loss of the delivered products. In such cases, revenue is not recognized until the customer acceptance is obtained. Delivery, acceptance, and transfer of title and risk of loss generally occur in the same reporting period. NCR's customers may request that delivery and passage of title and risk of loss occur on a bill and hold basis. For the period ending December 31, 2021 and 2020, the revenue recognized from bill and hold transactions was less than 1% of total revenue in both years. Hardware products may also be a performance obligation when included in an As-a-service package sold with software and services. In instances when hardware is a performance obligation, title is not transferred to the customer and revenue is recognized in accordance with the lease accounting standard and depending on the terms and conditions included in the contract may be either sales-type leases or operating leases. Revenue from hardware sales-type leases is recognized at the beginning of the lease term and revenue from operating leases is recognized on a straight-line basis over the term of the contract.

Software products may be sold as perpetual licenses, term-based licenses, cloud-enabled and software as a service (“SaaS”). Perpetual license revenue is recognized at a point in time when control transfers to the customer and is reported within product revenue. Control is typically transferred when the customer takes possession of, or has access to, the software. Term-based license revenue is recognized at a point in time upon the commencement of the committed term of the contract, concurrent with the possession of the license, and reported within product revenue. The committed term of the contract is typically one month to one year due to customer termination rights. If the amount of consideration the Company expects to be paid in exchange for the licenses depends on customer usage, revenue is recognized when the usage occurs.

Software as a service primarily consists of fees to provide our customers access to our platform and cloud-based applications for a specified contract term. Revenue from SaaS contracts is recognized as variable consideration directly allocated based on customer usage or on a ratable basis over the contract term beginning on the date that our service is made available to the customer. SaaS is reported as part of our services revenue.

The Company sells some product solutions that include a combination of cloud-enabled and on-premise term-based software licenses for a specified contract term. Significant judgment is required to determine if the products and services represent distinct promises to the customer or if they should be combined into one performance obligation. When they are combined into one performance obligation, revenue is recognized ratably over the contract term for which the service is provided.

In addition to SaaS, our services revenue includes professional consulting, payment processing revenue, managed services, installation and maintenance support. Professional consulting primarily consists of software implementation, integration, customization and optimization services. Revenue from professional consulting contracts is recognized when the services are completed or customer acceptance of the service is received, if required. For installation and maintenance, control is transferred as the services are provided or ratably over the service period, or, if applicable, after customer acceptance of the service. For recurring services that we perform over a contract term, we analyze if the services are performed evenly throughout the term for fixed consideration. If so, we ratably recognize the corresponding consideration over the committed term. Otherwise, we apply the ‘as invoiced’ practical expedient, for performance obligations satisfied over time, if the amount we may invoice corresponds directly with the value to the customer of the Company’s performance to date. This expedient permits us to recognize revenue in the amount we invoice the customer.

Payment processing revenue includes surcharge and other fees paid by cardholders and/or the cardholder’s financial institutions for the use processing services. Surcharge revenues are recognized daily as the associated transactions are processed. In addition, relative to ATM transactions, the Company typically receives a majority of the interchange fee paid by the cardholder’s financial institution, net of the amount retained by the payment network, and recognizes the net amount received from the network as revenue. Relative to credit card processing, revenue is comprised of fees charged to the Company's customers, net of interchange fees and assessments charged by the credit card associations and payment networks, which are pass-through charges collected on behalf of the card issuers and payment networks.

Under our managed service agreements, the Company provides various forms of services, including monitoring, cash management, cash delivery, customer service, on-screen advertising, processing and other services, under one contract package. The Company typically receives a monthly service fee, fee per transaction, or fee per service provided in return for providing the agreed-upon services. The managed services fees are recognized as the related services are provided to the customers.

The Company also recognizes revenue related to branding arrangements and providing access to the Company’s surcharge-free network and equipment. Customers may be charged on a per transaction basis or a fixed monthly fee. Under these arrangements, the Company is providing a series of distinct services with similar patterns of transfer to the customer. As a result, these arrangements create performance obligations that are satisfied over-time for which the Company has a right to consideration that corresponds directly with the value of the Company’s performance completed to date. In conjunction with these arrangements, the Company recognizes revenue in the amount that it has a right to receive using the 'as invoiced' practical expedient described above. Revenues are generally recognized on a ratable basis over the contract term beginning on the date that our service is made available to the customer, except for transaction-based fee arrangements which are recognized daily as the transactions are processed. Any up-front fees associated with these arrangements are recognized ratably over the life of the arrangement.

The nature of our arrangements gives rise to several types of variable consideration including service level agreement credits, stock rotation rights, trade-in credits and volume-based rebates. At contract inception, we include this variable consideration in our transaction price when there is a basis to reasonably estimate the amount of the fee and it is probable there will not be a significant reversal. These estimates are generally made using the expected value method and a portfolio approach, based on historical experience, anticipated performance and our best judgment at the time. These estimates are reassessed at each reporting date. Because of our confidence in estimating these amounts, they are included in the transaction price of our contracts and the associated remaining performance obligations.

Payment terms with our customers are established based on industry and regional practices and generally do not exceed 30 days. We do not typically include extended payment terms in our contracts with customers. As a practical expedient, we do not adjust the promised amount of consideration for the effects of a significant financing component when we expect, at contract inception, that the period between our transfer of a promised product or service to a customer and when the customer pays for

that product or service will be one year or less. If the period between transfer of the promised product or service and payment is more than one year, the Company analyzes whether a significant financing component is present. If so, the Company adjusts the total consideration to reflect the significant financing component.

We account for shipping and handling activities related to contracts with customers as costs to fulfill our promise to transfer the associated products, rather than as a separate performance obligation. Accordingly, we record amounts billed for shipping and handling costs as a component of net product sales, and classify such costs as a component of cost of products.

In addition to the standard product warranty, the Company periodically offers extended warranties to its customers in the form of product maintenance services. For maintenance contracts that have been combined with product contracts under the revenue guidance, the Company defers revenue at an amount based on the relative standalone selling price allocation, and recognizes the deferred revenue over the service term. For non-combined maintenance contracts, NCR defers the stated amount of the separately priced service and recognizes the deferred revenue over the service term.

Remaining Performance Obligations Remaining performance obligations represent the transaction price of contracts for which products have not been delivered or services have not been performed. As of December 31, 2021, the aggregate amount of the transaction price allocated to remaining performance obligations was approximately $3.7 billion. The Company expects to recognize revenue on approximately three-quarters of the remaining performance obligations over the next 12 months, with the remainder recognized thereafter. The majority of our professional services are expected to be recognized over the next 12 months, but this is contingent upon a number of factors, including customers’ needs and schedules.

The Company has made three elections which affect the value of remaining performance obligations described above. We do not disclose remaining performance obligations for contracts where variable consideration is directly allocated based on usage or when the original expected duration is one year or less. Additionally, we do not disclose remaining performance obligations for contracts where we recognize revenue from the satisfaction of the performance obligation in accordance with the 'right to invoice' practical expedient.

Warranty and Sales Returns Provisions for product warranties and sales returns and allowances are recorded in the period in which NCR becomes obligated to honor the related right, which generally is the period in which the related product revenue is recognized. The Company accrues warranty reserves based upon historical factors such as labor rates, average repair time, travel time, number of service calls per machine and cost of replacement parts. When a sale is consummated, a warranty reserve is recorded based upon the estimated cost to provide the service over the warranty period. The Company accrues sales returns and allowances using percentages of revenue to reflect the Company’s historical average of sales return claims.

Research and Development Costs Research and development costs primarily include payroll and benefit-related costs, contractor fees, facilities costs, infrastructure costs, and administrative expenses directly related to research and development support and are expensed as incurred, except certain software development costs are capitalized after technological feasibility of the software is established.

Advertising Advertising costs are recognized in selling, general and administrative expenses when incurred.

Stock-based Compensation Stock-based compensation represents the costs related to share-based awards granted to employees and non-employee directors. The Company’s outstanding stock-based compensation awards are classified as equity. The Company measures stock-based compensation cost at the grant date, based on the estimated fair value of the award and recognizes the cost over the requisite service period. Forfeitures are recognized as they occur. See Note 8, “Stock Compensation Plans”, for further information on NCR’s stock-based compensation plans.

Income Taxes Income tax expense is provided based on income before income taxes. Deferred income taxes reflect the impact of temporary differences between assets and liabilities recognized for financial reporting purposes and such amounts recognized for tax purposes. These deferred taxes are determined based on the enacted tax rates expected to apply in the periods in which the deferred assets or liabilities are expected to be settled or realized. NCR records valuation allowances related to its deferred income tax assets when it is more likely than not that some portion or all of the deferred income tax assets will not be realized.

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from such a position are measured based on the largest benefit that has a greater than fifty percent likelihood of being sustained upon examination by authorities. Interest and penalties related to uncertain tax positions are recognized as part of the provision for income taxes and are accrued beginning in the period that

such interest and penalties would be applicable under relevant tax law and until such time that the related tax benefits are recognized.

Earnings Per Share Basic earnings per share (“EPS”) is calculated by dividing net income or loss attributable to NCR, less any dividends (declared or cumulative undeclared), deemed dividends, accretion or decretion, redemption or induced conversion on our Series A Convertible Preferred Stock, by the weighted average number of shares outstanding during the reported period.

In computing diluted EPS, we evaluate and reflect the maximum potential dilution, for each issue or series of issues of potential common shares in sequence from the most dilutive to the least dilutive. We adjust the numerator used in the basic EPS computation, subject to anti-dilution requirements, to add back the dividends (declared or cumulative undeclared) applicable to the Series A Convertible Preferred Stock. Such add-back would also include any adjustments to equity in the period to accrete the Series A Convertible Preferred Stock to its redemption price, or recorded upon a redemption or induced conversion. We adjust the denominator used in the basic EPS computation, subject to anti-dilution requirements, to include the dilution from potential shares resulting from the issuance of the Series A Convertible Preferred Stock, restricted stock units, and stock options.

The holders of Series A Convertible Preferred Stock, unvested restricted stock units and stock options do not have nonforfeitable rights to common stock dividends or common stock dividend equivalents. Accordingly, the Series A Convertible Preferred Stock, unvested restricted stock units and stock options do not qualify as participating securities. See Note 8, “Stock Compensation Plans”, for share information on NCR’s stock compensation plans.

The components of basic earnings (loss) per share are as follows:


In millions, except per share amounts	Year ended December 31
	2021		2020		2019
Numerator:
Income (loss) from continuing operations	$	97	$	(7)	$	614
Series A convertible preferred stock dividends	(16)		(31)		(110)
Net income (loss) from continuing operations attributable to NCR common stockholders	81		(38)		504
Loss from discontinued operations, net of tax	—		(72)		(50)
Net income (loss) attributable to NCR common stockholders	$	81	$	(110)	$	454

Denominator:
Basic weighted average number of shares outstanding	131.2		128.4		122.1

Basic earnings (loss) per share:
From continuing operations	$	0.62	$	(0.30)	$	4.13
From discontinued operations	—		(0.56)		(0.41)
Total basic earnings (loss) per share	$	0.62	$	(0.86)	$	3.72

The components of diluted earnings (loss) per share are as follows:


In millions, except per share amounts	Year ended December 31
	2021		2020		2019
Numerator:
Income (loss) from continuing operations	$	97	$	(7)	$	614
Series A convertible preferred stock dividends	(16)		(31)		(76)
Net income (loss) from continuing operations attributable to NCR common stockholders	81		(38)		538
Loss from discontinued operations, net of tax	—		(72)		(50)
Net income (loss) attributable to NCR common stockholders	$	81	$	(110)	$	488

Denominator:
Basic weighted average number of shares outstanding	131.2		128.4		122.1
Dilutive effect of as-if Series A Convertible Preferred Stock	—		—		19.5
Dilutive effect of stock options and restricted stock units	7.8		—		3.6
Weighted average diluted shares	139.0		128.4		145.2

Diluted earnings (loss) per share:
From continuing operations	$	0.58	$	(0.30)	$	3.71
From discontinued operations	—		(0.56)		(0.35)
Total diluted earnings (loss) per share	$	0.58	$	(0.86)	$	3.36

Cash, Cash Equivalents, and Restricted Cash All short-term, highly liquid investments having original maturities of three months or less, including time deposits, are considered to be cash equivalents. The Company has restricted cash on deposit with a bank as collateral for letters of credit, funds held for clients as well as cash included in settlement processing assets.

The reconciliation of cash, cash equivalents and restricted cash in the Consolidated Statements of Cash Flows is as follows:


In millions	Balance Sheet Location	December 31, 2021		December 31, 2020		December 31, 2019
Cash and cash equivalents	Cash and cash equivalents	$	447	$	338	$	509
Long term restricted cash	Other assets	7		9		7
Funds held for client	Restricted cash	48		44		32
Cash included in settlement processing assets	Restricted cash	247		15		15
Total cash, cash equivalents and restricted cash		$	749	$	406	$	563

ATM Cash Management Program The acquired Cardtronics business includes the operation of ATMs under Company-owned ATM placements, merchant-owned ATM placements, and managed services. The Company relies on arrangements with various banks to provide the cash that it uses to fill its Company-owned, and in some cases merchant-owned and managed services ATMs. The Company refers to such cash as “vault cash”. The Company pays a monthly rental fee based on the average outstanding vault cash balance, as well as fees related to the bundling and preparation of such cash prior to it being loaded in the ATMs. At all times, beneficial ownership of the cash is retained by the vault cash providers and the Company has no right or access to the cash except for the ATMs that are serviced by the Company's wholly-owned cash-in-transit operations in the United Kingdom. While the United Kingdom cash-in-transit operations have physical access to the cash loaded in the ATMs, beneficial ownership of that cash remains with the vault cash provider at all times. The Company's vault cash arrangements expire at various times through December 2025. Based on the foregoing, the ATM vault cash, and the related obligations, are not reflected in the consolidated financial statements. The average outstanding vault cash balance in the Company's ATMs for the year ended December 31, 2021 was approximately $4.4 billion.

Accounts Receivable, net Accounts receivable, net includes amounts billed and currently due from customers as well as amounts unbilled that typically result from sales under contracts where revenue recognized exceeds the amount billed to the customer and where the Company has an unconditional right to consideration. The amounts due are stated at their net estimated realizable value.

Allowance for Credit Losses on Accounts Receivable Allowances for credit losses on accounts receivable are recognized when reasonable and supportable forecasts affect the expected collectability. This requires us to make our best estimate of the current expected losses inherent in our accounts receivable at each balance sheet date. These estimates require consideration of historical loss experience, adjusted for current conditions, forward looking indicators, trends in customer payment frequency and judgments about the probable effects of relevant observable data, including present and future economic conditions and the financial health of specific customers and market sectors. This policy is applied consistently among all of our operating segments.

Our allowance for credit losses as of December 31, 2021 and December 31, 2020 was $24 million and $51 million, respectively. We continue to evaluate our reserves in light of the age and quality of our outstanding accounts receivable, risks to specific industries or countries, as well as the COVID-19 pandemic, and adjust the reserves accordingly. For the years ending, December 31, 2021 and December 31, 2020, our allowance for credit losses charged to expense was $2 million and $33 million, respectively. We increased our allowance for credit losses for the year ended December 31, 2020 by $10 million based upon forecasts that reflected increased economic uncertainty resulting from the COVID-19 pandemic. The Company recorded $29 million and $26 million of write-offs against the reserve for the years ending December 31, 2021 and December 31, 2020, respectively.

Inventories Inventories are stated at the lower of cost or net realizable value, using the average cost method. Cost includes materials, labor and manufacturing overhead related to the purchase and production of inventories. Service parts are included in inventories and include reworkable and non-reworkable service parts. The Company regularly reviews inventory quantities on hand, future purchase commitments with suppliers and the estimated utility of inventory. If the review indicates a reduction in utility below carrying value, inventory is reduced to a new cost basis. Excess and obsolete write-offs are established based on forecasted usage, orders, technological obsolescence and inventory aging.

Contract Assets and Liabilities Contract assets include unbilled amounts where the right to payment is not solely subject to the passage of time. Amounts may not exceed their net realizable value. Contract liabilities consist of advance payments, billings in excess of revenue recognized and deferred revenue.

Our contract assets and liabilities are reported in a net position on a contract-by-contract basis at the end of each reporting period. If the net position is a contract asset, the current portion is included in Other current assets and the non-current portion is

included in Other assets in the Consolidated Balance Sheet. If the net position is a contract liability, the current portion is included in Contract liabilities and the non-current portion is included in Other liabilities in the Consolidated Balance Sheet.

The following table presents the net contract asset and contract liability balances:


In millions	Location in the Consolidated Balance Sheet	December 31, 2021		December 31, 2020

Current portion of contract liabilities	Contract liabilities	$	516	$	507
Non-current portion of contract liabilities	Other liabilities	$	69	$	80

Deferred Commissions Our incremental costs of obtaining a contract, which consist of certain sales commissions, primarily for our SaaS revenue, are deferred and amortized on a straight-line basis over the period of expected benefit. We determined the period of expected benefit by taking into consideration customer contracts, the estimated life of the customer relationship, including renewals when the renewal commission is not commensurate with the initial commission, the expected life of the underlying technology and other factors. We classify deferred commissions as current or non-current based on the timing of when we expect to recognize the expense. The current and non-current portions of deferred commissions are included in Other current assets and Other assets, respectively, in the Consolidated Balance Sheets. Amortization of deferred commissions is included in Selling, general and administrative expenses in the Consolidated Statements of Operations.

Set-up Fees and Costs Fees for the design, configuration, implementation and installation related to the software applications that are provided as a service are recognized over the contract term, which is generally 5 years. The related costs incurred that are determined to be incremental and recoverable contract-specific costs are deferred and amortized over the period of benefit, which is generally 7 years.

Settlement Processing Assets and Obligations Funds settlement refers to the process of transferring funds for sales and credits between card issuers and merchants and, for ATM transactions, between card issuers and merchants or financial institutions. Depending on the type of transaction, either the credit card interchange system or the debit network is used to transfer the information and funds in either direction between the sponsoring bank and card issuing bank to complete the link between merchants or financial institutions and card issuers. In certain of our processing arrangements, merchant funding occurs after the sponsoring bank or the Company receives the funds from the card issuer through the card networks, creating a settlement obligation to the merchant or financial institution on the Company’s Consolidated Balance Sheet. In a limited number of other arrangements, the sponsoring bank funds the merchants before it receives the net settlement funds from the card networks, creating a settlement asset on the Company’s Consolidated Balance Sheet. Additionally, relative to credit card transactions, certain of the Company’s sponsoring banks collect the gross revenue from the merchants, pay the interchange fees and assessments to the credit card associations, collect their fees for processing and pay the Company a net residual payment representing the Company’s fees for the services. In these instances, the Company does not reflect the related settlement processing assets and obligations in its Consolidated Balance Sheet.

Settlement processing assets consist of settlement assets due from customers and receivables from merchants corresponding to the discount fee related to reimbursement of the interchange expense, our receivables from the processing bank or Electronic Funds Transfer (“EFT”) network for transactions that have occurred and have been funded to merchants or financial institutions in advance of receipt of card association funding, restricted cash balances that are not yet due to merchants or financial institutions, merchant reserves held, sponsoring bank reserves and exception items, such as customer chargeback amounts receivable from merchants. Settlement processing obligations consist primarily of merchant reserves, our liability to the processing bank or merchant for transactions for which we have received funding from the members or networks but have not funded merchants or financial institutions as well as certain exception items. Settlement processing assets other than restricted cash are recorded within Other current assets and settlement processing liabilities are recorded within Settlement liabilities in the Consolidated Balance Sheet. Cash related to settlement processing is recorded within Restricted cash in the Consolidated Balance Sheet. As of December 31, 2021 and 2020, settlement processing assets were $287 million and $33 million, respectively, and settlement processing liabilities were $263 million and $31 million, respectively. Settlement receivables are generally collected within four business days. Settlement obligations are generally paid within three business days, regardless of when the related settlement receivables are collected.

Capitalized Software Certain direct development costs associated with internal-use software are capitalized within Other assets and amortized over the estimated useful lives of the resulting software. NCR typically amortizes capitalized internal-use software on a straight-line basis over four to seven years beginning when the asset is substantially ready for use, as this is considered to approximate the usage pattern of the software. When it becomes probable that internal-use software being developed will not be completed or placed into service, the internal-use software is reported at the lower of the carrying amount or fair value.

Costs incurred for the development of software that will be sold, leased or otherwise marketed are capitalized when technological feasibility has been established. These costs are included within Other assets and are amortized on a sum-of-the-years' digits or straight-line basis over the estimated useful lives ranging from three to five years, using the method that most closely approximates the sales pattern of the software. Amortization begins when the product is available for general release. Costs capitalized include direct labor and related overhead costs. Costs incurred prior to technological feasibility or after general release are expensed as incurred. NCR performs periodic reviews to ensure that unamortized program costs remain recoverable from future revenue. If future revenue does not support the unamortized program costs, the amount by which the unamortized capitalized cost of a software product exceeds the net realizable value is written off.

The following table identifies the activity relating to total capitalized software:


In millions	2021		2020		2019
Beginning balance as of January 1	$	442	$	413	$	325
Capitalization	242		232		238
Amortization	(185)		(171)		(148)
Impairment	(24)		(32)		(2)
Ending balance as of December 31	$	475	$	442	$	413

Goodwill and Other Intangible Assets Goodwill represents the excess of purchase price over the fair value of the net tangible and identifiable intangible assets of businesses acquired. Goodwill is tested at the reporting unit level for impairment on an annual basis during the fourth quarter or more frequently if certain events occur indicating that the carrying value of goodwill may be impaired. A significant amount of judgment is involved in determining if an indicator of impairment has occurred. Such indicators may include a decline in expected cash flows, a significant adverse change in legal factors or in the business climate, a decision to sell a business, unanticipated competition, or slower growth rates, among others.

In the evaluation of goodwill for impairment, we have the option to perform a qualitative assessment to determine whether further impairment testing is necessary or to perform a quantitative assessment by comparing the fair value of a reporting unit to its carrying amount, including goodwill. Under the qualitative assessment, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. If, under the quantitative assessment, the fair value of a reporting unit is less than its carrying amount, then the amount of the impairment loss, if any, is determined based on the amount by which the carrying amount exceeds the fair value up to the total value of goodwill assigned to the reporting unit. Fair values of the reporting units are estimated using a weighted methodology considering the output from both the income and market approaches. The income approach incorporates the use of discounted cash flow (“DCF”) analysis. A number of significant assumptions and estimates are involved in the application of the DCF model to forecast operating cash flows, including revenue growth, operating income margin and discount rate. Several of these assumptions vary among reporting units. The cash flow forecasts are generally based on approved strategic operating plans. The market approach is performed using the Guideline Public Companies (“GPC”) method which is based on earnings multiple data. We perform a reconciliation between our market capitalization and our estimate of the aggregate fair value of the reporting units, including consideration of a control premium. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for further discussion.

Acquired intangible assets other than goodwill are amortized over their weighted average amortization period unless they are determined to be indefinite. Acquired intangible assets are carried at cost, less accumulated amortization. For intangible assets purchased in a business combination, the estimated fair values of the assets received are used to establish the carrying value. The fair value of acquired intangible assets is determined using common techniques, and the Company employs assumptions developed using the perspective of a market participant.

Property, Plant and Equipment Property, plant and equipment and leasehold improvements are stated at cost less accumulated depreciation. Depreciation is computed over the estimated useful lives of the related assets primarily on a straight-line basis. Machinery and other equipment are depreciated over 3 to 20 years and buildings over 25 to 45 years. Leasehold improvements are depreciated over the life of the lease or the asset, whichever is shorter. Assets classified as held for sale are not depreciated. Upon retirement or disposition of property, plant and equipment, the related cost and accumulated depreciation or amortization are removed from the Company’s accounts, and a gain or loss is recorded. Depreciation expense related to property, plant and equipment was $140 million, $88 million, and $79 million for the years ended December 31, 2021, 2020, and 2019, respectively.

Also reported in property and equipment are ATMs and the associated equipment the Company has acquired for future installation or has temporarily removed from service and plans to re-deploy. Significant refurbishment costs that extend the useful life of an asset, or enhance its functionality, are capitalized and depreciated over the estimated remaining life of the improved asset. Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. Maintenance costs are expensed as incurred.

Valuation of Long-Lived Assets Long-lived assets such as property, plant and equipment and finite-lived intangible assets are reviewed for impairment when events or changes in circumstances indicate that the carrying amount of the assets may not be recoverable or in the period in which the held for sale criteria are met. For assets held and used, this analysis consists of comparing the asset’s carrying value to the expected future cash flows to be generated from the asset on an undiscounted basis. If the carrying amount of the asset is determined not to be recoverable, a write-down to fair value is recorded. Fair values are determined based on quoted market values, discounted cash flows, or external appraisals, as applicable. Long-lived assets are reviewed for impairment at the individual asset or the asset group level for which the lowest level of independent cash flows can be identified. Refer to Note 2, “Goodwill and Purchased Intangible Assets”, for further discussion.

Leasing The Company determines whether an arrangement is a lease at the inception of the arrangement based on the terms and conditions in the contract. A contract contains a lease if there is an identified asset and the Company has the right to control the asset.

Lessee We lease property, vehicles and equipment under operating and financing leases. For leases with terms greater than 12 months, we record the related asset and obligation at the present value of lease payments over the term. We determine the lease term by assuming the exercise of renewal options that are reasonably certain. Leases with a lease term of 12 months or less at inception are not recorded on our Consolidated Balance Sheet and are expensed on a straight-line basis over the lease term in our Consolidated Statement of Operations. Our leases may include rental escalation clauses, renewal options and/or termination options that are factored into our determination of lease payments when appropriate. When available, we use the rate implicit in the lease to discount lease payments to present value; however, most of our leases do not provide a readily determinable implicit rate. Therefore, we must estimate our incremental borrowing rate to discount the lease payments based on information available at lease commencement. Our incremental borrowing rate is based on a credit-adjusted risk-free rate at commencement date, which best approximates a secured rate over a similar term of lease. Additionally, we do not separate lease and non-lease components for any asset classes, except for those leases embedded in certain service arrangements. Fixed and in-substance fixed payments are included in the recognition of the operating and financing assets and lease liabilities, however, variable lease payments, other than those based on a rate or index, are recognized in the Consolidated Statements of Operations in the period in which the obligation for those payments is incurred. The Company’s variable lease payments generally relate to payments tied to various indices, non-lease components and payments above a contractual minimum fixed payment.

Lessor We have various arrangements for certain point-of-sale equipment under which we are the lessor. These leases meet the criteria for operating lease classification. Lease income associated with these leases is not material.

Pension, Postretirement and Postemployment Benefits NCR has significant pension, postretirement and postemployment benefit costs, which are developed from actuarial valuations. Actuarial assumptions are established to anticipate future events and are used in calculating the expense and liabilities relating to these plans. These factors include assumptions the Company makes about interest rates, expected investment return on plan assets, rate of increase in healthcare costs, involuntary turnover rates, and rates of future compensation increases. In addition, NCR also uses subjective factors, such as withdrawal rates and mortality rates to develop the Company’s valuations. NCR generally reviews and updates these assumptions on an annual basis. NCR is required to consider current market conditions, including changes in interest rates, in making these assumptions. The actuarial assumptions that NCR uses may differ materially from actual results due to changing market and economic conditions, higher or lower withdrawal rates, or longer or shorter life spans of participants. These differences may result in a significant

impact to the amount of pension, postretirement or postemployment benefits expense, and the related assets and liabilities, the Company has recorded or may record.

Environmental and Legal Contingencies In the normal course of business, NCR is subject to various proceedings, lawsuits, claims and other matters, including, for example, those that relate to the environment and health and safety, labor and employment, employee benefits, import/export compliance, intellectual property, data privacy and security, product liability, commercial disputes and regulatory compliance, among others. Additionally, NCR is subject to diverse and complex laws, regulations, and standards including those relating to corporate governance, public disclosure and reporting, environmental safety and the discharge of materials into the environment, product safety, import and export compliance, data privacy and security, antitrust and competition, government contracting, anti-corruption, and labor and human resources, which are rapidly changing and subject to many possible changes in the future. Compliance with these laws and regulations, including changes in accounting standards, taxation requirements, and federal securities laws, among others, may create a substantial burden on, and substantially increase the costs to NCR or could have an impact on NCR’s future operating results. NCR believes that the amounts provided in its Consolidated Financial Statements are adequate in light of the probable and estimable liabilities. However, there can be no assurances that the actual amounts required to satisfy alleged liabilities from various lawsuits, claims, legal proceedings and other matters, including the Fox River and Kalamazoo River environmental matters discussed in Note 10, “Commitments and Contingencies”, and to comply with applicable laws and regulations, will not exceed the amounts reflected in NCR’s Consolidated Financial Statements or will not have a material adverse effect on the Company’s consolidated results of operations, financial condition or cash flows. Any costs that may be incurred in excess of those amounts provided as of December 31, 2021 cannot currently be reasonably determined or are not currently considered probable.

Legal fees and expenses related to loss contingencies are typically expensed as incurred, except for certain costs associated with NCR’s environmental remediation obligations. Costs and fees associated with litigating the extent and type of required remedial actions and the allocation of remediation costs among potentially responsible parties are typically included in the measurement of the environmental remediation liabilities.

Foreign Currency For many NCR international operations, the local currency is designated as the functional currency. Accordingly, assets and liabilities are translated into U.S. Dollars at year-end exchange rates, and revenue and expenses are translated at average exchange rates prevailing during the year. Currency translation adjustments from local functional currency countries resulting from fluctuations in exchange rates are recorded in Other comprehensive income. Remeasurement adjustments are recorded in Other income (expense), net.

Derivative Instruments In the normal course of business, NCR enters into various financial instruments, including derivative financial instruments. The Company accounts for derivatives as either assets or liabilities in the Consolidated Balance Sheets at fair value and recognizes the resulting gains or losses as adjustments to earnings or other comprehensive income. For derivative instruments that are designated and qualify as hedging instruments, the Company formally documents the relationship between hedging instruments and hedged items, as well as the risk management objective and strategy for undertaking various hedge transactions. Hedging activities are transacted only with highly rated institutions, reducing exposure to credit risk in the event of nonperformance. Additionally, the Company completes assessments related to the risk of counterparty nonperformance on a regular basis.

The accounting for changes in fair value of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship, and further, on the type of hedging relationship. For those derivative instruments that are designated and qualify as hedging instruments, the Company has designated the hedging instrument, based on the exposure being hedged, as a fair value hedge, a cash flow hedge or a hedge of a net investment in a foreign operation. For derivative instruments designated as fair value hedges, the effective portion of the hedge is recorded as an offset to the change in the fair value of the hedged item, and the ineffective portion of the hedge, if any, is recorded in the Consolidated Statement of Operations. For derivative instruments designated as cash flow hedges and determined to be highly effective, the gains or losses are deferred in Other comprehensive income and recognized in the determination of income as adjustments of carrying amounts when the underlying hedged transaction is realized, canceled or otherwise terminated. When hedging certain foreign currency transactions of a long-term investment nature (net investments in foreign operations), gains and losses are recorded in the currency translation adjustment component of Accumulated other comprehensive loss. Gains and losses on foreign exchange contracts that are not used to hedge currency transactions of a long-term investment nature, or that are not designated as cash flow or fair value hedges, are recognized in Other income (expense), net as exchange rates change.

Fair Value of Assets and Liabilities Fair value is defined as an exit price, representing an amount that would be received to sell an asset or the amount paid to transfer a liability in an orderly transaction between market participants at the measurement

date. As such, fair value is a market-based measurement determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, the accounting guidance prioritizes the inputs used to measure fair value into the following three-tier fair value hierarchy:

•Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities

•Level 2: Unadjusted quoted prices in active markets for similar assets or liabilities, unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs, other than quoted prices in active markets, that are observable either directly or indirectly

•Level 3: Unobservable inputs for which there is little or no market data

Assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurements. The Company reviews the fair value hierarchy classification on a quarterly basis. Changes to the observability of valuation inputs may result in a reclassification of levels for certain securities within the fair value hierarchy.

NCR measures its financial assets and financial liabilities at fair value based on one or more of the following three valuation techniques:

•Market approach: Prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities.

•Cost approach: Amount that would be required to replace the service capacity of an asset (replacement cost).

•Income approach: Techniques to convert future amounts to a single present amount based upon market expectations (including present value techniques, option pricing and excess earnings models).

We regularly review our investments to determine whether a decline in fair value, if any, below the cost basis is other than temporary. If the decline in the fair value is determined to be other than temporary, the cost basis of the security is written down to fair value and the amount of the write-down is included in the Consolidated Statement of Operations. For qualifying investments in debt or equity securities, a temporary impairment charge would be recognized in Other comprehensive income (loss).

Recent Accounting Pronouncements

Accounting Pronouncements Issued But Not Yet Adopted

In August 2020, the Financial Accounting Standards Board (“FASB”) issued an accounting standards update with new guidance for convertible preferred stock, which eliminates considerations related to the beneficial conversion feature model. The standard also requires an average stock price when calculating the denominator for diluted earnings per share to be used for stock units where the settlement of the number of shares is based on the stock price. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021. Early adoption is permitted no earlier than fiscal years beginning after December 15, 2020 and interim periods within those fiscal years. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition.

In May 2021, the FASB issued an accounting standards update with new guidance for freestanding equity-classified written call options. The new guidance requires modifications or exchanges of freestanding equity-classified written call options that remain equity classified after the modification or exchange based on the economic substance of the modification or exchange. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021, with early adoption permitted. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition.

In October 2021, the FASB issued an accounting standards update with new guidance for contract assets and contract liabilities acquired in a business combination. The new guidance requires contract assets and contract liabilities, such as deferred revenue, acquired in a business combination to be recognized and measured by the acquirer on the acquisition date in accordance with Accounting Standard Codification (“ASC”) 606, Revenue from Contracts with Customers. Prior to the issuance of this guidance, contract assets and contract liabilities were recognized by the acquirer at fair value on the acquisition date. The accounting standards update is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022, with early adoption permitted and should be applied prospectively to acquisitions occurring on or after the effective

date. The adoption of this accounting standards update is not expected to have a material effect on the Company's net income, cash flows, earnings per share or financial condition.

Adoption of New Accounting Pronouncements

In July 2021, the FASB issued an accounting standards update with new guidance for lessors with lease contracts that have variable lease payments. Under the new guidance, a lease which includes variable lease payments which do not depend on a reference index or rate and would have resulted in the recognition of a selling loss at lease commencement if classified as sales-type or direct financing are now to be classified as operating. The new standard is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2021, with early adoption permitted. The accounting standards update was adopted using the transition guidance of early application and we will apply the standard prospectively to all new hardware arrangements where NCR is the lessor. The adoption of the accounting standard did not have a material effect on the Company's net income, cash flows, earnings per share or financial condition.

Segment Information Geographic Area (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 7,156	$ 6,207	$ 6,915
Percentage of Revenues by Geographic Area	100.00%	100.00%	100.00%
UNITED STATES
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 3,632	$ 3,065	$ 3,481
Percentage of Revenues by Geographic Area	51.00%	49.00%	50.00%
Americas (Excluding United States) [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 723	$ 617	$ 693
Percentage of Revenues by Geographic Area	10.00%	10.00%	10.00%
EMEA
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 1,883	$ 1,679	$ 1,843
Percentage of Revenues by Geographic Area	26.00%	27.00%	27.00%
APJ [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 918	$ 846	$ 898
Percentage of Revenues by Geographic Area	13.00%	14.00%	13.00%

- Definition

Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 3
-Subparagraph (c)
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (f)
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Employee Benefit Plans - Assumptions, Market-Related Value, and Unrecognized Loss (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Foreign Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate, Service Cost		0.70%	1.60%
Defined Benefit Plan, Assumptions used Calculating Net Periodic Benefit Cost, Discount Rate, Interest Cost		1.20%	1.80%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	1.40%	0.90%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Rate of Compensation Increase	1.40%	0.90%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Rate of Return on Plan Assets		2.60%	3.20%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase		0.90%	1.00%
U.S. Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Assumptions used Calculating Net Periodic Benefit Cost, Discount Rate, Interest Cost		2.70%	3.80%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	2.70%	2.40%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate	1.70%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Rate of Return on Plan Assets	2.10%	2.80%	3.60%
Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate, Service Cost	0.40%	0.70%	1.60%
Defined Benefit Plan, Assumptions used Calculating Net Periodic Benefit Cost, Discount Rate, Interest Cost	1.30%	2.10%	3.10%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	2.20%	1.80%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Rate of Compensation Increase	1.40%	0.90%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Rate of Return on Plan Assets	2.10%	2.70%	3.40%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase	0.90%	0.90%	1.00%
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate, Service Cost	0.40%
Defined Benefit Plan, Assumptions used Calculating Net Periodic Benefit Cost, Discount Rate, Interest Cost	0.70%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	1.90%	1.40%	2.50%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate	1.40%	2.50%	3.70%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Rate of Return on Plan Assets	2.20%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase	0.90%
Postemployment Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	1.40%	1.40%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate	2.30%	1.80%	2.40%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Rate of Compensation Increase	2.00%	2.00%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase	2.60%	1.80%	1.90%
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Involuntary Turnover Rate	3.80%	3.80%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Involuntary Turnover Rate	3.80%	3.80%	4.30%
Before Age 65 [Member] \| Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Health Care Cost Trend Rate Assumed, Next Fiscal Year	6.30%	6.50%
Defined Benefit Plan, Ultimate Health Care Cost Trend Rate	5.00%	5.00%
After Age 65 [Member] \| Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Health Care Cost Trend Rate Assumed, Next Fiscal Year	5.70%	5.80%
Defined Benefit Plan, Ultimate Health Care Cost Trend Rate	5.00%	5.00%

Employee Stock Compensation Plans - Allocated Compensation, Assumptions and Shares Available (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted Stock or Unit Expense	$ 123	$ 78	$ 94
Employee Stock Ownership Plan (ESOP), Compensation Expense	8	6	4
Stock or Unit Option Plan Expense	23	24	9
Total stock-based compensation (pre-tax)	154	108	107
Tax Benefit	(18)	(13)	(12)
Total stock-based compensation (net of tax)	$ 136	$ 95	$ 95
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Period of U.S. Treasury Yield	7 years

Employee Benefit Plans

12 Months Ended

Dec. 31, 2021

Employee Benefit Plans [Abstract]

Employee Benefit Plans

9. EMPLOYEE BENEFIT PLANS

Pension, Postretirement and Postemployment Plans NCR sponsors defined benefit pension plans. NCR’s U.S. pension plan no longer offers additional benefits and is closed to new participants. Internationally, the defined benefit plans are based primarily upon compensation and years of service. Certain international plans also no longer offer additional benefits and are closed to new participants. NCR’s funding policy is to contribute annually no less than the minimum required by applicable laws and regulations. Assets of NCR’s defined benefit plans are primarily invested in corporate and government debt securities, common and commingled trusts, publicly traded common stocks, real estate investments, and cash or cash equivalents.

NCR recognizes the funded status of each applicable plan on the Consolidated Balance Sheets. Each overfunded plan is recognized as an asset and each underfunded plan is recognized as a liability. For pension plans, changes in the fair value of plan assets and net actuarial gains or losses are recognized upon remeasurement, which is at least annually in the fourth quarter of each year. For postretirement and postemployment plans, changes to the funded status are recognized as a component of other comprehensive loss in stockholders' equity.

NCR sponsors a U.S. postretirement benefit plan that no longer offers benefits to U.S. participants who had not reached a certain age and years of service with NCR. The plan provides medical care benefits to retirees and their eligible dependents. Non-U.S. employees are typically covered under government-sponsored programs, and NCR generally does not provide postretirement benefits other than pensions to non-U.S. retirees. NCR generally funds these benefits on a pay-as-you-go basis.

NCR offers various postemployment benefits to involuntarily terminated and certain inactive employees after employment but before retirement. These benefits are paid in accordance with NCR’s established postemployment benefit practices and policies. Postemployment benefits include mainly severance as well as continuation of healthcare benefits and life insurance coverage while on disability. NCR provides appropriate accruals for these postemployment benefits. These postemployment benefits are funded on a pay-as-you-go basis.

Pension Plans Reconciliation of the beginning and ending balances of the benefit obligations for NCR's pension plans are as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	2,067	$	1,954	$	1,246	$	1,174	$	3,313	$	3,128
Net service cost	—		—		6		6		6		6
Interest cost	34		51		8		13		42		64
Amendment	—		—		(6)		5		(6)		5
Actuarial (gain) loss	(102)		168		(57)		86		(159)		254
Benefits paid	(117)		(106)		(60)		(111)		(177)		(217)
Plan participant contributions	—		—		—		1		—		1
Currency translation adjustments	—		—		(32)		72		(32)		72
Benefit obligation as of December 31	$	1,882	$	2,067	$	1,105	$	1,246	$	2,987	$	3,313
Accumulated benefit obligation as of December 31	$	1,882	$	2,067	$	1,095	$	1,235	$	2,977	$	3,302

A reconciliation of the beginning and ending balances of the fair value of the plan assets of NCR's pension plans are as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Change in plan assets
Fair value of plan assets as of January 1	$	1,528	$	1,377	$	1,118	$	1,058	$	2,646	$	2,435
Actual return on plan assets	(32)		187		47		99		15		286
Company contributions	—		70		17		19		17		89
Benefits paid	(117)		(106)		(60)		(111)		(177)		(217)

Currency translation adjustments	—		—		(16)		53		(16)		53
Plan participant contributions	—		—		—		—		—		—
Fair value of plan assets as of December 31	$	1,379	$	1,528	$	1,106	$	1,118	$	2,485	$	2,646


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
In millions	2021		2020		2021		2020		2021		2020
Funded Status	$	(503)	$	(539)	$	1	$	(128)	$	(502)	$	(667)
Amounts recognized in the Consolidated Balance Sheets
Noncurrent assets	$	—	$	—	$	300	$	199	$	300	$	199
Current liabilities	—		—		(13)		(15)		(13)		(15)
Noncurrent liabilities	(503)		(539)		(286)		(312)		(789)		(851)
Net amounts recognized	$	(503)	$	(539)	$	1	$	(128)	$	(502)	$	(667)
Amounts recognized in Accumulated other comprehensive loss
Prior service cost	—		—		17		24		17		24
Total	$	—	$	—	$	17	$	24	$	17	$	24

For pension plans with accumulated benefit obligations in excess of plan assets, the projected benefit obligation, accumulated benefit obligation, and fair value of assets were $2,151 million, $2,149 million, and $1,382 million, respectively, as of December 31, 2021, and $2,366 million, $2,363 million and $1,531 million, respectively, as of December 31, 2020.

The net periodic benefit (income) cost of the pension plans for the years ended December 31 was as follows:


In millions	U.S. Pension Benefits						International Pension Benefits						Total Pension Benefits
	2021		2020		2019		2021		2020		2019		2021		2020		2019
Net service cost	$	—	$	—	$	—	$	6	$	6	$	7	$	6	$	6	$	7
Interest cost	34		51		66		8		13		19		42		64		85
Expected return on plan assets	(30)		(36)		(43)		(25)		(28)		(31)		(55)		(64)		(74)
Amortization of prior service cost	—		—		—		1		1		1		1		1		1


Actuarial (gain) loss	(40)		18		60		(78)		16		15		(118)		34		75
Net periodic benefit (income) cost	$	(36)	$	33	$	83	$	(88)	$	8	$	11	$	(124)	$	41	$	94

Actuarial gains in 2021 were primarily due to an increase in discount rates as well as a favorable impact from an update to the mortality tables. Actuarial losses in 2020 and 2019 were primarily due to a decrease in the discount rate.

The weighted average rates and assumptions used to determine benefit obligations as of December 31 were as follows:


	U.S. Pension Benefits				International Pension Benefits				Total Pension Benefits
	2021		2020		2021		2020		2021		2020
Discount rate	2.7	%	2.4	%	1.4	%	0.9	%	2.2	%	1.8	%
Rate of compensation increase	N/A		N/A		1.4	%	0.9	%	1.4	%	0.9	%

The weighted average rates and assumptions used to determine net periodic benefit (income) cost for the years ended December 31 were as follows:


	U.S. Pension Benefits						International Pension Benefits						Total Pension Benefits
	2021		2020		2019		2021		2020		2019		2021		2020		2019
Discount rate - Service Cost	N/A		N/A		N/A		0.4	%	0.7	%	1.6	%	0.4	%	0.7	%	1.6	%
Discount rate - Interest Cost	1.7	%	2.7	%	3.8	%	0.7	%	1.2	%	1.8	%	1.3	%	2.1	%	3.1	%
Expected return on plan assets	2.1	%	2.8	%	3.6	%	2.2	%	2.6	%	3.2	%	2.1	%	2.7	%	3.4	%
Rate of compensation increase	N/A		N/A		N/A		0.9	%	0.9	%	1.0	%	0.9	%	0.9	%	1.0	%

The weighted-average cash balance interest crediting rate for the Company's cash balance defined benefit plans was 1.1% for the years ended December 31, 2021 and 2020.

The discount rate used to determine U.S. benefit obligations as of December 31, 2021 was derived by matching the plans’ expected future cash flows to the corresponding yields from the Aon Hewitt AA Bond Universe Curve. This yield curve has been constructed to represent the available yields on high-quality, fixed-income investments across a broad range of future maturities. International discount rates were determined by examining interest rate levels and trends within each country, particularly yields on high-quality, long-term corporate bonds, relative to our future expected cash flows.

NCR employs a building block approach as its primary approach in determining the long-term expected rate of return assumptions for plan assets. Historical market returns are studied and long-term relationships between equities and fixed income are preserved consistent with the widely accepted capital market principle that assets with higher volatilities generate higher returns over the long run. Current market factors, such as inflation and interest rates are evaluated before long-term capital market assumptions are determined. The expected long-term portfolio return is established for each plan via a building block approach with proper rebalancing consideration. The result is then adjusted to reflect additional expected return from active management net of plan expenses. Historical plan returns, the expectations of other capital market participants, and peer data may be used to review and assess the results for reasonableness and appropriateness.

Plan Assets The weighted average asset allocations as of December 31, 2021 and 2020 by asset category are as follows:


	U.S. Pension Fund					International Pension Fund
	Actual Allocation of Plan Assets as of December 31				Target Asset Allocation	Actual Allocation of Plan Assets as of December 31				Target Asset Allocation
	2021		2020			2021		2020
Equity securities	14	%	—	%	10 - 30%	23	%	19	%	10 - 30%
Debt securities	84	%	94	%	40 - 85%	51	%	58	%	50 - 70%
Real estate	—	%	—	%	0 - 15%	14	%	14	%	10 - 20%
Other	2	%	6	%	0 - 30%	12	%	9	%	5 - 15%
Total	100	%	100	%		100	%	100	%

The fair value of plan assets as of December 31, 2021 and 2020 by asset category is as follows:


		U.S.										International
In millions	Notes	Fair Value as of December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling		Fair Value as of December 31, 2021		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling
Assets
Equity securities:
Common stock	1	$	194	$	194	$	—	$	—	$	—	$	26	$	26	$	—	$	—	$	—
Fixed income securities:
Government securities	2	201		—		201		—		—		—		—		—		—		—
Corporate debt	3	752		—		752		—		—		87		—		87		—		—
Other types of investments:
Money market funds	4	2		—		—		—		2		27		—		—				27
Common and commingled trusts - Equities	4	—		—		—		—		—		145		—		—		—		145
Common and commingled trusts - Bonds	4	159		—		—		—		159		457		—		—		—		457
Common and commingled trusts - Short Term Investments	4	39		—		—		—		39		27		—		—		—		27
Common and commingled trusts - Balanced	4	—		—		—		—		—		185		—		—		—		185

Partnership/joint venture interests - Other	5	2		—		—		—		2		—		—		—		—		—
Mutual funds	4	30		30		—		—		—		—		—		—		—		—
Insurance products	4	—		—		—		—		—		1		—		1		—		—
Real estate and other	5	—		—		—		—		—		151		—		—		151		—
Total		$	1,379	$	224	$	953	$	—	$	202	$	1,106	$	26	$	88	$	151	$	841


		U.S.										International
In millions	Notes	Fair Value as of December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling		Fair Value as of December 31, 2020		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Not Subject to Leveling
Assets
Equity securities:
Common stock	1	$	—	$	—	$	—	$	—	$	—	$	57	$	57	$	—	$	—	$	—
Fixed income securities:
Government securities	2	221		—		221		—		—		—		—		—		—		—
Corporate debt	3	1,011		—		1,011		—		—		104		—		104		—		—
Other types of investments:
Money market funds	4	5		—		—		—		5		10		—		—		—		10
Common and commingled trusts - Equities	4	—		—		—		—		—		149		—		—		—		149
Common and commingled trusts - Bonds	4	167		—		—		—		167		515		—		—		—		515
Common and commingled trusts - Short Term Investments	4	94		—		—		—		94		40		—		—		—		40
Common and commingled trusts - Balanced	4	—		—		—		—		—		90		—		—		—		90

Partnership/joint venture interests - Other	5	2		—		—		—		2		—		—		—		—		—
Mutual funds	4	28		28		—		—		—		—		—		—		—		—
Insurance products	4	—		—		—		—		—		1		—		1		—		—
Real estate and other	5	—		—		—		—		—		152		—		—		152		—
Total		$	1,528	$	28	$	1,232	$	—	$	268	$	1,118	$	57	$	105	$	152	$	804

Notes:

1.Common stocks are valued based on quoted market prices at the closing price as reported on the active market on which the individual securities are traded.


In millions	International Pension Plans
Balance, December 31, 2019	$	131
Realized and unrealized gains and losses, net	21
Purchases, sales and settlements, net	—
Transfers, net	—
Balance, December 31, 2020	$	152
Realized and unrealized gains and losses, net	(1)
Purchases, sales and settlements, net	—
Transfers, net	—
Balance, December 31, 2021	$	151

Investment Strategy NCR has historically employed a total return investment approach, whereby a mix of fixed-income, equities and real estate investments are used to maximize the long-term return of plan assets subject to a prudent level of risk. The risk tolerance is established for each plan through a careful consideration of plan liabilities, plan funded status and corporate financial condition. The asset allocation held by the U.S. pension plan has historically been and continues to be a portfolio comprising a substantial portion of fixed income assets as of December 31, 2021. However, we have reviewed the plan's funding requirements, and in consultation with an independent advisor on asset allocation strategy investment policy and objectives, we have begun to diversify and rebalance the asset allocation to capture additional returns to reduce future cash funding requirements.

The investment portfolios contain primarily fixed-income investments, which are diversified across U.S. and non-U.S. issuers, type of fixed-income security (i.e., government bonds, corporate bonds, mortgage-backed securities) and credit quality. The investment portfolios also contain a blend of equity investments, which are diversified across U.S. and non-U.S. stocks, small and large capitalization stocks, and growth and value stocks, primarily of non-U.S. issuers. Where applicable, real estate investments are made through real estate securities, partnership interests or direct investment and are diversified by property type and location. Other assets, such as cash or private equity are used judiciously to improve portfolio diversification and enhance risk-adjusted portfolio returns. Derivatives may be used to adjust market exposures in an efficient and timely manner. Due to the timing of security purchases and sales, cash held by fund managers is classified in the same asset category as the related investment. Rebalancing algorithms are applied to keep the asset mix of the plans from deviating excessively from their targets. Investment risk is measured and monitored on an ongoing basis through regular performance reporting, investment manager reviews, actuarial liability measurements and periodic investment strategy reviews.

Postretirement Plans Reconciliation of the beginning and ending balances of the benefit obligation for NCR's U.S. postretirement plan is as follows:


	Postretirement Benefits
In millions	2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	16	$	17

Interest cost	—		—
Actuarial gain	(1)		—
Plan participant contributions	—		—
Benefits paid	(1)		(1)
Benefit obligation as of December 31	$	14	$	16


	Postretirement Benefits
In millions	2021		2020
Benefit obligation	$	(14)	$	(16)
Amounts recognized in the Consolidated Balance Sheets
Current liabilities	$	(1)	$	(2)
Noncurrent liabilities	(13)		(14)
Net amounts recognized	$	(14)	$	(16)
Amounts recognized in Accumulated other comprehensive loss
Net actuarial loss	$	5	$	6
Prior service benefit	—		—
Total	$	5	$	6

The net periodic benefit cost of the postretirement plan for the years ended December 31 was:


In millions	Postretirement Benefits
	2021		2020		2019
Interest cost	$	—	$	—	$	1

Amortization of:
Prior service benefit	—		(3)		(5)
Actuarial loss	1		1		—
Net periodic benefit cost	$	1	$	(2)	$	(4)

The assumptions utilized in accounting for postretirement benefit obligations as of December 31 and for postretirement benefit income for the years ended December 31 were:


	Postretirement Benefit Obligations						Postretirement Benefit Costs
	2021		2020		2019		2021		2020		2019
Discount rate	1.9	%	1.4	%	2.5	%	1.4	%	2.5	%	3.7	%

Assumed healthcare cost trend rates as of December 31 were:


	2021				2020
	Pre-65 Coverage		Post-65 Coverage		Pre-65 Coverage		Post-65 Coverage
Healthcare cost trend rate assumed for next year	6.3	%	5.7	%	6.5	%	5.8	%
Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)	5.0	%	5.0	%	5.0	%	5.0	%
Year that the rate reaches the ultimate rate	2028		2028		2027		2027

Postemployment Benefits Reconciliation of the beginning and ending balances of the benefit obligation for NCR's postemployment plan was:


	Postemployment Benefits
In millions	2021		2020
Change in benefit obligation
Benefit obligation as of January 1	$	138	$	126

Service cost	24		42
Interest cost	2		3
Amendments	—		(4)
Benefits paid	(26)		(39)
Foreign currency exchange	(7)		3
Actuarial (gain) loss	7		7
Benefit obligation as of December 31	$	138	$	138


	Postemployment Benefits
In millions	2021		2020
Benefit obligation	$	(138)	$	(138)
Amounts recognized in the Consolidated Balance Sheets
Current liabilities	$	(32)	$	(32)
Noncurrent liabilities	(106)		(106)
Net amounts recognized	$	(138)	$	(138)
Amounts recognized in Accumulated other comprehensive loss
Net actuarial gain	$	(19)	$	(23)
Prior service benefit	(6)		(8)
Total	$	(25)	$	(31)

The net periodic benefit cost of the postemployment plan for the years ended December 31 was:


In millions	Postemployment Benefits
	2021		2020		2019
Service cost	$	24	$	42	$	31
Interest cost	2		3		3
Amortization of:
Prior service benefit	(2)		(2)		(2)
Actuarial gain	(4)		(4)		(3)
Net benefit cost	$	20	$	39	$	29

The weighted average assumptions utilized in accounting for postemployment benefit obligations as of December 31 and for postemployment benefit costs for the years ended December 31 were:


	Postemployment Benefit Obligations				Postemployment Benefit Costs
	2021		2020		2021		2020		2019
Discount rate	1.4	%	1.4	%	2.3	%	1.8	%	2.4	%
Salary increase rate	2.0	%	2.0	%	2.6	%	1.8	%	1.9	%
Involuntary turnover rate	3.8	%	3.8	%	3.8	%	3.8	%	4.3	%

Cash Flows Related to Employee Benefit Plans

Cash Contributions NCR does not plan to contribute to the U.S. qualified pension plan in 2022, and plans to contribute approximately $15 million to the international pension plans in 2022. The Company plans to make contributions of approximately $1 million to the U.S. postretirement plan. The Company plans to make contributions of $30 million to the U.S. and international postemployment plans in 2022.

Estimated Future Benefit Payments NCR expects to make the following benefit payments reflecting past and future service from its pension, postretirement and postemployment plans:


In millions	U.S. Pension Benefits		International Pension Benefits		Total Pension Benefits		Postretirement Benefits		Postemployment Benefits
Year
2022	$	115	$	48	$	163	$	1	$	30
2023	$	115	$	47	$	162	$	1	$	18
2024	$	115	$	49	$	164	$	1	$	17
2025	$	115	$	48	$	163	$	1	$	16
2026	$	115	$	44	$	159	$	1	$	15
2027-2031	$	554	$	229	$	783	$	2	$	66

Savings Plans U.S. employees and many international employees participate in defined contribution savings plans. These plans generally provide either a specified percent of pay or a matching contribution on participating employees’ voluntary elections. NCR’s matching contributions typically are subject to a maximum percentage or level of compensation. Employee contributions can be made pre-tax, after-tax or a combination thereof. The expense under the U.S. plan was approximately $31 million in 2021, $32 million in 2020, and $27 million in 2019. The expense under international and subsidiary savings plans was $31 million in 2021, $25 million in 2020, and $25 million in 2019.

Amounts to be Recognized The amounts in Accumulated other comprehensive loss that are expected to be recognized as components of net periodic benefit cost (income) during 2022 are as follows:


In millions	U.S. Pension Benefits		International Pension Benefits		Total Pension Benefits		Postretirement Benefits		Postemployment Benefits
Prior service cost (benefit)	$	—	$	—	$	—	$	—	$	(2)
Actuarial loss (gain)	$	—	$	—	$	—	$	1	$	(1)

Employee Benefit Plans - Actual and Target Allocations (Details)	Dec. 31, 2021	Dec. 31, 2020
Foreign Plan [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	100.00%	100.00%
Foreign Plan [Member] \| Equity Securities [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	23.00%	19.00%
Foreign Plan [Member] \| Debt Securities [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	51.00%	58.00%
Foreign Plan [Member] \| Real Estate [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	14.00%	14.00%
Foreign Plan [Member] \| Other [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	12.00%	9.00%
U.S. Pension Benefits
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	100.00%	100.00%
U.S. Pension Benefits \| Equity Securities [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	14.00%	0.00%
U.S. Pension Benefits \| Debt Securities [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	84.00%	94.00%
U.S. Pension Benefits \| Real Estate [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	0.00%	0.00%
U.S. Pension Benefits \| Other [Member]
Defined Benefit Plan, Plan Assets, Allocations [Abstract]
Allocation of plan asset, percentage	2.00%	6.00%
Minimum [Member] \| Foreign Plan [Member] \| Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	10.00%
Minimum [Member] \| Foreign Plan [Member] \| Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%
Minimum [Member] \| Foreign Plan [Member] \| Real Estate [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	10.00%
Minimum [Member] \| Foreign Plan [Member] \| Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	5.00%
Minimum [Member] \| U.S. Pension Benefits \| Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	10.00%
Minimum [Member] \| U.S. Pension Benefits \| Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	40.00%
Minimum [Member] \| U.S. Pension Benefits \| Real Estate [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	0.00%
Minimum [Member] \| U.S. Pension Benefits \| Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	0.00%
Maximum [Member] \| Foreign Plan [Member] \| Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	30.00%
Maximum [Member] \| Foreign Plan [Member] \| Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	70.00%
Maximum [Member] \| Foreign Plan [Member] \| Real Estate [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	20.00%
Maximum [Member] \| Foreign Plan [Member] \| Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	15.00%
Maximum [Member] \| U.S. Pension Benefits \| Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	30.00%
Maximum [Member] \| U.S. Pension Benefits \| Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	85.00%
Maximum [Member] \| U.S. Pension Benefits \| Real Estate [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	15.00%
Maximum [Member] \| U.S. Pension Benefits \| Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	30.00%