Slide 1: Embedded Finance Made Simple
Embedded Finance Made Simple Nasdaq: USIO January 2024
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: 25 Year History
25 Year History Developing Leading Payment Solutions & Offerings Became Nacha certified, Louis Hoch named the highest standards in ACH payment processing CEO & Launches Co. Acquired IMS print & Acquisition of Akimbo Growth Strategy Launched Pay-Fac-in-a- mail, renamed to Usio Billserv becomes leadin
Slide 5: Investment Summary
Investment Summary 12% 26.4 YoY REVENUE MILLION SHARES GROWTH OUTSTANDING 2022 OVER 2021 AS OF SEP 30, 2023 INNOVATIVE LEADER In the Fast-Growing FinTech space $69.4 16.8 MILLION 2022 MILLION SHARES OF DIVERSIFIED RECORD REVENUES PUBLIC FLOAT AS OF SEP 30, 2023 Multi-Channel Product Portfolio in Div
Slide 6: Highlights: Transactions and Dollars Processed
Highlights PROCESSED 2021-2022 DOLLARS PROCESSED 16 % 24 % TRANSACTIONS 20201-2022 INCREASE DECREASE * In Millions In Millions 2017 2018 2019 2020 2021. 2022 2017 2018 2019 2020 2021. 2022 *Due to exit from cryptocurrency space Nasdaq: USIO usio.com 6
Slide 7: Revenue Grew 7x since 2016
Revenue Grew 7x since 2016 ($ in mm) % Revenue 21% 71% 13% 15% 92% 12% 18-20% Growth $84* $81.9-$83.3* $69 $62 $25 $28 $32 35% $15 THREE YEAR $12 CAGR 2016A 2017A 2018A 2019A 2020A 2021A 2022A 2023E • Prepaid business grew • Payment Facilitation grew • Consolidated Gross from $323K in 2016 to from l
Slide 8: Product Ecosystem
Payment Facilitation ACH Product Ecosystem Card Issuing Output Solutions Nasdaq: USIO usio.com 8
Slide 9: Unique Offerings
Unique Offerings PAYMENT CHANNELS HIGHLY RESPONSIVE SCALABLE PARTNERSHIP GTM MODEL • Usio offers an extensive • The seamless Usio • Highly scalable Azure- • Payment Facilitation & array of payment sales & onboarding based technology ACH use a partner- technology & solutions, a process quickly gets h
Slide 10: Payment Facilitation
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 11: ACH
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 that we are the long
Slide 12: Card Issuing
HOW WE MAKE MONEY 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 management, gener
Slide 13: Output Solutions
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 14: Product Highlight
Product Highlight CONSUMER CHOICE ACH Usio offers Digital Disbursements. Our cutting-edge, in-house financial technology empowers you to Card Issuing unleash automatic fund dispersal, all while granting customers the freedom to select their preferred collection method via ACH, Card Issuing (virtual
Slide 15: Non-GAAP Reconciliation
Non-GAAP Reconciliation Nasdaq: USIO usio.com 15
Slide 16: Balance Sheet
Balance Sheet In Millions Nasdaq: USIO usio.com 16
Slide 17: Senior Management
Senior Management Louis Hoch Greg Carter Houston Frost Sy Green Chairman, President EVP, Payment SVP, Prepaid SVP, Output & CEO Acceptance Products Solutions Nasdaq: USIO usio.com 17
Slide 18: Investment Summary
Investment Summary 12% 26.4 YoY REVENUE MILLION SHARES GROWTH OUTSTANDING 2022 OVER 2021 AS OF SEP 30, 2023 INNOVATIVE LEADER In the Fast-Growing FinTech space $69.4 16.8 MILLION 2022 MILLION SHARES OF DIVERSIFIED RECORD REVENUES PUBLIC FLOAT AS OF SEP 30, 2023 Multi-Channel Product Portfolio in Div
Slide 19: Paul M. Manley, Senior Vice President-Investor Relations
Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com