Usio (USIO) investor relations material

Business overview

• Operates a full stack of proprietary, integrated, cloud-based electronic payment and embedded financial solutions for merchants, billers, banks, and card issuers.

• Services include card and ACH payment processing, card issuing, and bill presentment.

• Trusted by a diverse client base including top businesses, nonprofits, and government entities nationwide.

• Founded in 1998, publicly traded on Nasdaq, Nacha certified, and HIPAA compliant.

Product and service lines

• Payment Facilitation enables frictionless merchant onboarding and monetization for ISVs, generating revenue through transaction fees and partner splits.

• ACH processing offers high-margin, low-cost electronic payments, contributing 27% of 2025 revenue.

• Card Issuing provides turnkey solutions for expense management, disbursements, and loyalty, with client fees, interchange, and cardholder fees as revenue streams.

• Output Solutions delivers document design, print, and electronic delivery, primarily serving financial institutions and utilities.

• Wearable payment devices and customizable payout options enhance user experience and brand integration.

Financial performance and growth

• Processed $9.4 billion in payments in 2025, up from $2.8 billion in 2015.

• Processed 61 million transactions in 2025, up from 14 million in 2017.

• Revenue grew 7x since 2016, reaching $85.4 million in 2025.

• Card Issuing business expanded from $323K in 2016 to $19M in 2023; Payment Facilitation reached $16M in 2025.

• Consolidated gross profits increased from $4M in 2017 to $19.7M in 2025.