Slide 1: Embedded Finance Made Simple
Embedded Finance Made Simple Nasdaq: USIO August 2023
Slide 2: Forward Looking Statements
Forward Looking Statements Except for the historical information contained herein, the matters discussed in this presentation include forward-looking statements which are covered by safe harbors. Those statements include, but may not be limited to, all statements regarding management’s intent, belie
Slide 3: About Us
About Us Usio is a leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment and embedded financial solutions to a wide range of merchants, billers, banks, service bureaus, and card issuers. Usio operates card and ACH payment processing, card issuing an
Slide 4: Investment Summary
Investment Summary 12% 26.5 YoY REVENUE MILLION SHARES GROWTH OUTSTANDING 2022 OVER 2021 AS OF JUNE 30, 2023 INNOVATIVE LEADER In the Fast-Growing FinTech space $69.4 16.9 MILLION 2022 MILLION SHARES OF DIVERSIFIED RECORD REVENUES PUBLIC FLOAT AS OF JUNE 30, 2023 Multi-Channel Product Portfolio in D
Slide 5: Highlights: Dollars and Transactions Processed
Highlights PROCESSED 2021-2022 DOLLARS PROCESSED 16 % 24 % TRANSACTIONS 20201-2022 INCREASE DECREASE * In Millions In Millions 2017 2018 2019 2020 2021. 2022 2017 2018 2019 2020 2021. 2022 *Due to exit from cryptocurrency space Nasdaq: USIO usio.com 5
Slide 6: Annual Revenue
Annual Revenue $80 $81.9-83.3* $69.4 $60 $61.9 In Millions $40 $28.2 $32.2 35% $24.0 THREE YEAR CAGR $20 $0 2018 2019 2020 2021 2022 2023 *18-20% revenue growth over 2022. Projected 2023 revenue is $81.9 TO $83.3mm. Nasdaq: USIO usio.com 6
Slide 7: Product Ecosystem
Payment Facilitation Automated Check (ACH) Product Ecosystem Prepaid Card Issuing Output Solutions Nasdaq: USIO usio.com 7
Slide 8: Payment Facilitation: How We Make Money
PAYMENT FACILITATION HOW WE MAKE MONEY Payment Facilitation (PayFac) is the latest innovation in merchant acquiring, providing frictionless merchant onboarding, enrollment and automated risk/underwriting * procedures - which have traditionally been very manual processes - to provide for mass adoptio
Slide 9: Automated Check (ACH): How We Make Money
AUTOMATED CHECK (ACH) HOW WE MAKE MONEY Usio is the Fintech leader in payments and a Nacha Certified provider that streamlines payment acceptance and minimizes processing costs. Usio provides ON AVERAGE ACH processing at a fraction of the cost than credit or debit cards. Usio is unique in WE EARN th
Slide 10: Prepaid Card Issuing: How We Make Money
HOW WE MAKE MONEY PREPAID CARD ISSUING CLIENT FEES Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction processing, customer service and compliance. $.35-$4 PER CARD CREATED Governments, non-profits and SMBs needing platform for expense managemen
Slide 11: Output Solutions: How We Make Money
HOW WE MAKE MONEY PRINT OUTPUT SOLUTIONS $.15-$.18 PER PRINT Usio offers document design, print and electronic delivery or via US Post Office. Perfect for entities looking to reduce postage cost, automate the POSTAGE billing processes and increase operational efficiencies. Output’s customer base is
Slide 12: Non-GAAP Reconciliation
Non-GAAP Reconciliation Nasdaq: USIO usio.com 12
Slide 13: Balance Sheet
Balance Sheet In Millions Nasdaq: USIO usio.com 13
Slide 14: Senior Management
Senior Management Louis Hoch Tom Jewell Greg Carter Houston Frost Sy Green Chairman, President Chief Financial EVP, Payment SVP, Prepaid SVP, Output & CEO Officer Acceptance Products Solutions Nasdaq: USIO usio.com 14
Slide 15: Investment Summary
Investment Summary 12% 26.5 YoY REVENUE MILLION SHARES GROWTH OUTSTANDING 2022 OVER 2021 AS OF JUNE 30, 2023 INNOVATIVE LEADER In the Fast-Growing FinTech space $69.4 16.9 MILLION 2022 MILLION SHARES OF DIVERSIFIED RECORD REVENUES PUBLIC FLOAT AS OF JUNE 30, 2023 Multi-Channel Product Portfolio in D
Slide 16: Paul M. Manley, Investor Relations
Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com