Slide 1: Embedded Payments Made Simple
Embedded Payments Made Simple Nasdaq: USIO Usio.com | ©2025 Usio, Inc | Rev. November 20, 2025
Slide 2: Forward Looking Statements
Nasdaq: USIO Except for the historical information contained herein, the matters discussed in this presentation include forward-looking Forward statements which are covered under the safe harbors provision of the Private Securities Litigation Reform Act of 1995 (PSLRA). Those statements include, but
Slide 3: About
Nasdaq: USIO Founded in 1998 About Nacha Certified & HIPPA Compliant Publicly Traded: Nasdaq: USIO . Usio is a leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment acceptance and issuance, and embedded financial solutions to a wide range of merchan
Slide 4: Full Service Payments Platform
Nasdaq: USIO Full Service Payments Platform Business Lines Payment Facilitation ACH Card Issuing Output Solutions Credit and debit card Electronic payments Physical, virtual payment Document design, processing, primarily through the ACH network, cards for governments, transactional print and focused
Slide 5: Investment Thesis
Nasdaq: USIO Investment Thesis 1 2 3 4 Innovative Unique And Diverse Multiple Levers Proprietary Attractive End Payment For Future Technology Markets Offerings Growth Usio.com | ©2025 Usio, Inc 5
Slide 6: Innovative Proprietary Technology
Nasdaq: USIO New Innovations Payment Facilitation Usio is constantly developing new technologies to Robust payment facilitation offering with stay the forefront of innovation in the payment automated merchant enrollment for partners space, including real-time payments, lending (primarily ISVs) to se
Slide 7: Unique and Attractive End Markets
Nasdaq: USIO Unique and Attractive End Markets Usio’s acquiring segment supports innovative ISVs embedding payments to fuel growth, while other segments serve FinTechs, governments, non-profits, and utilities. ISVs FinTechs Government Nonprofits Utilities/Financial Institutions Primary PayFac / ACH
Slide 8: Diverse Offerings
Nasdaq: USIO Diverse Offerings Business Lines Payment Facilitation ACH Card Issuing Output Solutions Description • Embedded and integrated • Leading ACH processing • Physical / virtual payment cards • Document design, payment solutions tailor made solutions for merchants for governments / non-profit
Slide 9: Multiple Levers for Future Growth
Multiple Levers for Merchant Future Growth New ISVs + Penetration of ISVs Our operating leverage Customers Opportunity to continue allows us to scale Launch new innovative to penetrate merchant profitably as we grow solutions: government, base beyond the 62% non-profits and penetration today corpora
Slide 10: Offerings Summary
Nasdaq: USIO Offerings Summary 1 2 3 Competitive Diversified Growth Potential The Usio platform provides a diverse Diversification provides stable top-line Only the largest payment technology range of payments technology and growth, even in macro cycles organizations are able to offer the services f
Slide 11: Revenue Grew 7x Since 2016
Nasdaq: USIO Revenue Grew 7x Since 2016 $100 * 19% (1)% $80 $84.1 12% $82.9 92% MILLIONS $69 $60 $62 $40 15% 71% 13% $32 $20 21% $28 $25 $15 $0 2017A 2018A 2019A 2020A 2021A 2022A 2023A 2024A *2025 Revenue Guidance of 5-12% • Card Issuing business grew • Payment Facilitation grew • Consolidated Gros
Slide 12: Meaningful Achievements
Nasdaq: USIO Development of Biometrics AI Checkout and Usio One to expand our offerings for customers Increased merchant penetration of ISVs year-over-year from Meaningful 60% to 62% Achievements Delivered 1% gross revenue Through growth on year to date Q3 2025 Generated ~$1.4M in operating cash flo
Slide 13: Q3 2025 Performance Highlights
Nasdaq: USIO Q3 2025 Volume Gross Net Adj. Net EPS Revenue Revenue EBITDA Income Performance $2.2bn $21.2mm $11.1mm ~$368k $(415k) $(0.02) Highlights +15% YoY Gross Revenue ($ in mm) Adj. EBITDA ($ in mm) $21 $21 $776k $368k Q3 2024 Q3 2025 Q3 2024 Q3 2025 Usio.com | ©2025 Usio, Inc 13
Slide 14: Segment Financial Performance
Nasdaq: USIO Segment Financial Performance Payment Facilitation ACH Card Issuing Output Solutions Gross Revenue $4.1mm $2.5mm $2.8mm $4.8mm Net Revenue $0.9mm $2.5mm $2.5mm $1.3mm On Gross Revenue 8% 54% 36% 17% On Net Revenue 33% 54% 41% 63% (1) Excludes legacy credit card processing and complement
Slide 15: Innovative Proprietary Technology
Efficient Nasdaq: USIO 1 Usio’s proprietary platform, built in-house, allows merchants to process payments quickly and efficiently, while also providing robust security measures to protect their business and customers' sensitive information. Modular Utilizes a hub-and-spoke infrastructure allows for
Slide 16: Key Drivers of Shareholder Value
Nasdaq: USIO Key Drivers of Drive Consistent Shareholder Growth Value Achieve annual Net Revenue growth above 15% Focus on Profitability Achieve 10%+ EBITDA margin while maintaining mid-20% gross margins Usio.com | ©2025 Usio, Inc 16
Slide 17: 2025 Outlook
Nasdaq: USIO 2025 Outlook Revenue $87.7M to $92.8M 5% Growth 12% Growth Adj. EBITDA $2.6M to $4.6M 5% Margin 3% Margin Usio.com | ©2025 Usio, Inc 17
Slide 18: GAAP Reconciliation
Nasdaq: USIO GAAP Reconciliation Usio.com | ©2025 Usio, Inc 18
Slide 19: Balance Sheet
. Nasdaq: USIO Balance Sheet Usio.com | ©2025 Usio, Inc 19
Slide 20: Contact
Nasdaq: USIO Contact Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com Usio.com | ©2025 Usio, Inc 20
Slide 21: Appendix
Nasdaq: USIO Appendix Usio.com | ©2025 Usio, Inc 21
Slide 22: Shareholder Information
Nasdaq: USIO Shareholder Information 27.4 15.5 11.9 Million Shares Million Shares Of Million Shares Of Insider Outstanding Public Float Ownership As Of As Of September 30, 2025 As Of September 30, 2025 September 30, 2025 Usio.com | ©2025 Usio, Inc 22
Slide 23: Payment Facilitation
Nasdaq: USIO Payment Facilitation HOW WE MAKE MONEY Payment Facilitation (PayFac) is the latest innovation in merchant $100 $2.5M acquiring, providing frictionless merchant onboarding, enrollment and TRANSACTION Monthly Volume automated risk/underwriting procedures - which have traditionally been ve
Slide 24: ACH
Nasdaq: USIO 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 WE EARN ACH processing at a fraction of the cost than credit or debit cards. Usio is unique in that we
Slide 25: Card Issuing
Nasdaq: USIO Card Issuing HOW WE MAKE MONEY Usio operates as both the program manager and issuer processor, providing web and mobile CLIENT FEES PER CARD CREATED apps, transaction processing, customer service and compliance in a true turn-key solution. FinTech's, Governments, non-profits and SMBs ne
Slide 26: Output Solutions
Nasdaq: USIO Output Solutions HOW WE MAKE MONEY Usio offers document design, print and electronic delivery or via US Post Office. Perfect for entities looking to reduce postage cost, automate the billing processes and $.15-$.18 increase operational efficiencies. Output’s customer base is primarily f