Usio (USIO) Investor presentation summary

Company overview and business model

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

• Offers services including card and ACH payment processing, card issuing, and bill presentment.

• Trusted by a diverse client base, including top businesses, nonprofits, and government entities across the U.S.

• Focuses on partnership-driven sales models, especially with Integrated Software Vendors (ISVs).

Key product lines and revenue drivers

• Payment Facilitation (PayFac) enables frictionless merchant onboarding and mass adoption, contributing 38% of Q2 2026 revenue.

• ACH processing is a high-margin business (70%+), providing 27% of Q2 2026 revenue and funding growth initiatives.

• Card Issuing supports expense management, disbursements, and loyalty programs, with 11% of Q2 2026 revenue and 30-40% margins.

• Output Solutions automates billing and document delivery, accounting for 24% of Q2 2026 revenue with 18-22% margins.

Financial performance and growth

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

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

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

• 2026 revenue guidance projects 14-16% growth.