Slide 1: Integrated Payments Made Simple
©2025 Usio, Inc. Integrated Payments Made Simple Nasdaq: USIO May 2025
Slide 2: Forward Looking Statements
©2025 Usio, Inc. Forward Looking Statements Except for the historical information contained herein, the matters discussed in this presentation include forward-looking statements which are covered under the safe harbors provision of the Private Securities Litigation Reform Act of 1995 (PSLRA). Those
Slide 3: About Us
©2025 Usio, Inc. About Us 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 merchants, billers, banks, service bureaus, and card issuers. Usio delivers conven
Slide 4: A Full Service Payments Platform
©2025 Usio, Inc. A Full Service Payments Platform Payment Facilitation ACH Card Issuing Output Solutions Business Lines Credit and debit card processing, Electronic payments through the ACH Physical / virtual payment cards for Document design, transactional print primarily focused on our partnership
Slide 5: Diverse Payment Offerings
©2025 Usio, Inc. Diverse Payment Offerings Payment Summary ACH Card Issuing Output Solutions Facilitation • Usio’s platform provides a diverse range of • Document design, • Physical / virtual payments technology and services for its payment cards for transactional print and mailing, and customers •
Slide 6: Revenue Grew 7x Since 2016
©2025 Usio, Inc. Revenue Grew 7x Since 2016 % Revenue Growth * $100 19% (1)% $80 $84.1 12% $82.9 92% $69 $60 $62 $40 15% 71% 13% $32 MILLIONS $20 21% $28 $25 $15 $0 2017A 2018A 2019A 2020A 2021A 2022A 2023A 2024A *2025 Revenue Guidance of 14-16% • Card Issuing business grew from • Payment Facilitati
Slide 7: Meaningful Achievements in Q1 2025
©2025 Usio, Inc. Meaningful Achievements in Q1 2025 Began development of Biometrics AI Checkout and Usio One to expand our offerings for our customers Increased merchant penetration of our ISVs year-over-year from 60% to 62% Delivered 5% gross revenue growth on a consolidated basis Increased our cas
Slide 8: Q1 2025 Performance Highlights
©2025 Usio, Inc. Q1 2025 Performance Highlights Volume Gross Revenue Net Revenue Adj. EBITDA Net Income EPS $2.0bn $22mm $9.7mm ~$670k $(230k) $(0.01) +23% YoY +5% YoY Gross Revenue Adj. EBITDA ($ in mm) ($ in mm) $21 $22 $0.8 $0.7 Q1 2024 Q1 2025 Q1 2024 Q1 2025 8
Slide 9: Segment Financial Performance
©2025 Usio, Inc. Segment Financial Performance Payment Facilitation 1 ACH 1 Card Issuing Output Solutions Revenue: Gross Revenue $4.6mm $2.3mm $3.1mm $5.8mm Net Revenue $1.2mm $2.3mm $2.7mm $1.6mm Gross Margin: On Gross Revenue 9% 57% 22% 22% On Net Revenue 34% 57% 25% 56% (1) Excludes legacy credit
Slide 10: Innovative Proprietary Technology
©2025 Usio, Inc. Innovative Proprietary Technology Summary Technology Highlights: • Usio’s proprietary platform, built in-house, allows merchants to process payments In-House Payment Processing – Usio securely handles payment transaction, including quickly and efficiently, while also providing suf
Slide 11: Unique and Attractive End Markets
©2025 Usio, Inc. Unique and Attractive End Markets • Usio’s acquiring segment Utilities / Financial ISV Partners Fintechs Government Entities Non-Profits serves many innovative Institutions ISVs that incorporate payments into their software solutions to drive incremental growth in their respective b
Slide 12: Investment Thesis
©2025 Usio, Inc. Investment Thesis Diverse payment offerings Innovative proprietary technology Unique and attractive end markets Multiple levers for future growth 12
Slide 13: Multiple Levers for Future Growth
©2025 Usio, Inc. Multiple Levers for Future Growth Merchant Penetration of ISV Partners New ISV Cross Sales Partners / New Product Customers Opportunity to continue to penetrate Offerings merchant base Drive incremental beyond the 62% Launch new revenue by cross penetration today Development of inno
Slide 14: Key Drivers of Shareholder Value
©2025 Usio, Inc. Key Drivers of Shareholder Value Drive Consistent Growth Focus on Profitability Achieve annual Net Revenue growth Achieve 10%+ EBITDA margin while above 15% maintaining mid-20% gross margins 14
Slide 15: 2025 Outlook
©2025 Usio, Inc. 2025 Outlook Revenue $94.5M to $96.2M 14% Growth 16% Growth Adj. EBITDA $4.8M to $6.8M 5% Margin 7% Margin 15
Slide 16: Non-GAAP Reconciliation
©2025 Usio, Inc. Non-GAAP Reconciliation Nasdaq: USIO usio.com 16
Slide 17: Balance Sheet
©2025 Usio, Inc. Balance Sheet Nasdaq: USIO usio.com 17
Slide 18: Contact
©2025 Usio, Inc. Contact Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com Nasdaq: USIO
Slide 19: Appendix
©2025 Usio, Inc. Appendix Nasdaq: USIO usio.com 19
Slide 20: Shareholder Information
©2025 Usio, Inc. Shareholder Information 26.5 15.8 10.7 MILLION SHARES MILLION SHARES OF MILLION SHARES OF OUTSTANDING PUBLIC FLOAT INSIDER OWNERSHIP AS OF MARCH 31, AS OF MARCH 31, AS OF MARCH 31, 2025 2025 2025 Nasdaq: USIO usio.com 20
Slide 21: Payment Facilitation
©2025 Usio, Inc. Payment Facilitation HOW WE MAKE MONEY Payment Facilitation (PayFac) is the latest innovation in merchant $100 $2.5M acquiring, providing frictionless merchant onboarding, enrollment TRANSACTION Monthly Volume and automated risk/underwriting procedures - which have $2.50 2.5% $62,50
Slide 22: ACH
©2025 Usio, Inc. ACH HOW WE MAKE MONEY Usio is the Fintech leader in payments and a Nacha Certified provider that ON AVERAGE WE EARN $.70 streamlines payment acceptance and minimizes processing costs. Usio provides ACH processing at a fraction of the cost than credit or debit cards. Usio is unique i
Slide 23: Card Issuing
©2025 Usio, Inc. Card Issuing HOW WE MAKE MONEY Usio operates as both the program manager and issuer processor, providing web CLIENT FEES PER CARD CREATED $.35-$4 and mobile apps, transaction processing, customer service and compliance in a true turn-key solution. Fintechs, Governments, non-profits
Slide 24: Output Solutions
©2025 Usio, Inc. 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 $.15-$.18 billing processes and increase operational efficiencies. Output’s customer PER PRINT base
Slide 25: Thank You
©2025 Usio, Inc. THANK YOU Nasdaq: USIO usio.com 25