Usio, Inc. · NASDAQ:USIO

Usio — Q1 2026 Earnings Presentation

19 slides from Usio's earnings presentation, May 13, 2026

  1. Slide 1: Embedded Payments. Built for Scale.

    Embedded Payments. Built for Scale. Nasdaq: USIO Usio.com | ©2026 Usio, Inc | Rev. March 2026 1

  2. Slide 2: Forward Looking Statements

    Nasdaq: USIO 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 statements include, but may not

  3. 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

  4. 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

  5. Slide 5: Nasdaq: USIO Usio.com | ©2026 Usio, Inc

    Nasdaq: USIO Usio.com | ©2026 Usio, Inc 5

  6. Slide 6: 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

  7. Slide 7: 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

  8. Slide 8: Card Issuing

    Nasdaq: USIO Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction processing, customer service and compliance in a true turn-key solution. FinTech's, Governments, non-profits and SMBs needing a platform for expense management, Card Issuing funds

  9. Slide 9: Output Solutions

    Usio offersdocument design, print and electronic delivery or via US Post Office.Perfect Nasdaq: USIO for entities looking to reduce postage cost, automate the billing processes and increase operational efficiencies. Output’s customer base is primarily financial institutions, utilities, and taxing en

  10. Slide 10: Products

    Nasdaq: USIO 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 experience that seamlessly

  11. Slide 11: Dollars Processed

    Nasdaq: USIO Dollars Processed $10,000,000,000 $9.4 $9,000,000,000 $8.4 $8,000,000,000 $7.2 $7 $7,000,000,000 * $6,000,000,000 $5,000,000,000 $5.3 $3.3 $2.9 $3.5 $4,000,000,000 $2.8 $3.3 $3.3 $3,000,000,000 $2,000,000,000 $1,000,000,000 $0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Dolla

  12. Slide 12: Transactions Processed

    Nasdaq: USIO Transactions Processed 70,000,000 60,000,000 61 50,000,000 46 40,000,000 35 40 37 30,000,000 14 18 20,000,000 12 10 14 15 10,000,000 0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Transactions Processed (in millions) Usio.com | ©2026 Usio, Inc 12

  13. 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 10-12% $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

  14. Slide 14: Product Line Financial Performance

    Nasdaq: USIO Product Line Financial Performance Payment Facilitation ACH Card Issuing Output Solutions Gross Revenue $4.2mm $2.9mm $2.7mm $5.5mm Net Revenue $1.0mm $2.9mm $2.5mm $1.4mm On Gross Revenue 8% 60% 25% 19% On Net Revenue 33% 60% 27% 56% (1) Excludes legacy credit card processing and compl

  15. Slide 15: GAAP Reconciliation

    Nasdaq: USIO GAAP Reconciliation Usio.com | ©2026 Usio, Inc 15

  16. Slide 16: Balance Sheet

    . Nasdaq: USIO Balance Sheet Usio.com | ©2026 Usio, Inc 16

  17. Slide 17: Shareholder Information

    Nasdaq: USIO Shareholder Information 27.7 22.5 5.2 Million Shares Million Shares Of Million Shares Of Insider Outstanding Public Float Ownership As Of As Of December 31, 2025 As Of December 31, 2025 December 31, 2025 Usio.com | ©2026 Usio, Inc 17

  18. 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

  19. Slide 19: Contact

    Nasdaq: USIO Contact Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com Usio.com | ©2026 Usio, Inc 19

Usio — Q1 2026 Earnings Presentation on 6ix