Slide 1: Embedded Payments. Built for Scale.
Embedded Payments. Built for Scale. Nasdaq: USIO Usio.com | ©2026 Usio, Inc | Rev. August 2026 1
Slide 2: Forward Looking Statements
Nasdaq: USIO Except for the historical information contained herein, this release contains forward-looking statements that are made pursuant to the safe harbor provision of the Private Securities Litigation Reform Act of 1995. These forward- looking statements include, but are not limited to, statem
Slide 3: About
Nasdaq: USIO Founded in 1998 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 ABOUT a wide range of merchan
Slide 4: Full-Service Payments Platform
Nasdaq: USIO Full-Service Payments Platform Proprietary In-house built and maintained, leading technology platform across all business lines Technology Support In-House Dedicated Support Services for Clients and Partners Customers ISV Partners ISV Partners, FinTech's FinTech's, Non-profits & Utiliti
Slide 5: Nasdaq: USIO Usio.com | ©2026 Usio, Inc
Nasdaq: USIO Usio.com | ©2026 Usio, Inc 5
Slide 6: Payment Facilitation
Payment Facilitation (PayFac) is the latest innovation in merchant acquiring, Payment Facilitation providing frictionless merchant onboarding, enrollment and automated Nasdaq: USIO risk/underwriting procedures - which have traditionally been very manual 38% processes - to provide for mass adoption a
Slide 7: ACH
ACH Nasdaq: USIO Usio is the Fintech leader in payments and a Nacha HOW WE MAKE MONEY Certified provider that streamlines payment acceptance and minimizes processing costs. Usio provides ACH ON AVERAGE WE EARN processing at a fraction of the cost than credit or debit cards. Usio is unique in that we
Slide 8: Card Issuing
Card Issuing Nasdaq: USIO Usio operates as both the program manager HOW WE MAKE MONEY and issuer processor, providing web and mobile apps, transaction processing, CLIENT FEES PER CARD CREATED customer service and compliance in a true turn-key solution. FinTech's, Governments, $.35-$4 non-profits and
Slide 9: Innovative Card-Issuing Products
Nasdaq: USIO Innovative Card-Issuing Products Wearables Consumer Choice Custom Cards Usio’s Wearable Payment Devices give Let every recipient decide how and where ✓ Debit Mastercard with web and your customers a frictionless payment they want to get paid. Because the right mobile access, plus SMS ex
Slide 10: Output Solutions
Output Solutions 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 Nasdaq: USIO increase operational efficiencies. Output’s customer base is primarily financial institutions, utili
Slide 11: Dollars Processed
Nasdaq: USIO Dollars Processed $9.5 $10,000,000,000 $9,000,000,000 $8.4 $8,000,000,000 $7.2 $7.1 $7,000,000,000 BILLIONS * $6,000,000,000 $5.3 $5,000,000,000 $3.3 $4,000,000,000 $3,000,000,000 $2,000,000,000 $1,000,000,000 $0 2020 2021 2022 2023 2024 2025 Dollars Processed Usio.com | ©2026 Usio, Inc
Slide 12: Transactions Processed
Nasdaq: USIO Transactions Processed 70,000,000 61 60,000,000 MILLIONS 50,000,000 41 47 37 35 40,000,000 30,000,000 18 20,000,000 10,000,000 0 2020 2021 2022 2023 2024 2025 Transactions Processed (in millions) Usio.com | ©2026 Usio, Inc 12
Slide 13: Revenue Grew 7x Since 2016
Nasdaq: USIO Revenue Grew 7x Since 2016 $100 * 3% 19% (1)% $85.4 $80 $84.1 12% $82.9 92% MILLIONS $69 $60 $62 2026 Revenue Guidance of 14-16% $40 15% 71% 13% $32 $20 21% $28 $25 $15 $0 2017A 2018A 2019A 2020A 2021A 2022A 2023A 2024A 2025A • Card Issuing business grew • Payment Facilitation grew • Co
Slide 14: Product Line Financial Performance
Nasdaq: USIO Product Line Financial Performance Q2 – 2026 Payment Facilitation ACH Card Issuing Output Solutions Gross Revenue $6.7mm $2.8mm $2.4mm $5.7mm Net Revenue $1.4mm $2.8mm $2.2mm $1.6mm On Gross Revenue 8% 60% 49% 18% On Net Revenue 38% 60% 55% 64% (1) Excludes legacy credit card processing
Slide 15: GAAP Reconciliation
Nasdaq: USIO GAAP Reconciliation Usio.com | ©2026 Usio, Inc 15
Slide 16: Balance Sheet
. Nasdaq: USIO Balance Sheet Usio.com | ©2026 Usio, Inc 16
Slide 17: Shareholder Information
Nasdaq: USIO Shareholder Information 28.5 22.5 6.0 Million Shares Million Shares Of Million Shares Of Insider Outstanding Public Float Ownership As Of June As Of June 30, 2026 As Of June 30, 2026 30, 2026 Usio.com | ©2026 Usio, Inc 17
Slide 18: 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 | ©2026 Usio, Inc 18
Slide 19: Contact
Nasdaq: USIO Contact Usio.com | ©2026 Usio, Inc 19