Slide 1: Integrated Payments Made Simple
Integrated Payments Made Simple Nasdaq: USIO November 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 & Growth Strategy Launched Pay-Fac-in-a- mail, renamed to Usio Billserv becomes leading Acquisition of Akimb
Slide 5: Investment Summary
Investment Summary DIVERSIFIED & INNOVATIVE 19% $82.6 3-7% In the Fast-Growing FinTech space, YoY REVENUE GROWTH MILLION 2023 2024 EXPECTED REVENUE Usio offers multi-channel product 2023 OVER 2022 RECORD REVENUES GROWTH portfolio in diversified industries 27.2 16.7 10.5 Payment Facilitation ACH Card
Slide 6: Revenue Grew 7x Since 2016
Revenue Grew 7x Since 2016 % Revenue Growth * $100 3%-7% 19% $80 $85.1 12% $82.6 – $88.4 92% $69 $60 $62 $40 15% 71% 13% $32 MILLIONS $20 21% $28 $25 $15 $0 2017A 2018A 2019A 2020A 2021A 2022A 2023A 2024E *2024 Revenue Guidance of 3-7% • Prepaid business grew from • Payment Facilitation grew • Conso
Slide 7: Usio Fintech Ecosystem
Payment Facilitation Usio ACH Fintech Ecosystem Card Issuing Output Solutions Nasdaq: USIO usio.com 7
Slide 8: Payment Facilitation
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% $62,500 traditionally b
Slide 9: ACH
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 in that we are the
Slide 10: Card Issuing
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 and SMBs needing
Slide 11: Output Solutions
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 is primarily fina
Slide 12: Non-GAAP Reconciliation
Non-GAAP Reconciliation Nasdaq: USIO usio.com 12
Slide 13: Balance Sheet
Balance Sheet Nasdaq: USIO usio.com 13
Slide 14: Senior Management
Senior Management Louis Hoch Greg Carter Houston Frost Jerry Uffner Sy Green Chairman, President EVP, Payment Chief Product Officer SVP, Card Issuing SVP, Output Solutions & CEO Acceptance Nasdaq: USIO usio.com 14
Slide 15: Investment Summary
Investment Summary DIVERSIFIED & INNOVATIVE 19% $82.6 3-7% In the Fast-Growing FinTech space, YoY REVENUE GROWTH MILLION 2023 2024 EXPECTED REVENUE Usio offers multi-channel product 2023 OVER 2022 RECORD REVENUES GROWTH portfolio in diversified industries 27.2 16.7 10.5 Payment Facilitation ACH Card
Slide 16: Contact
Contact Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com Nasdaq: USIO