Slide 1: Integrated Payments Made Simple
Integrated Payments Made Simple Nasdaq: USIO April 2025
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: Investment Summary
Investment Summary DIVERSIFIED & INNOVATIVE In the Fast-Growing FinTech space, $82.9 14-16% MILLION 2024 2025 EXPECTED REVENUE Usio offers multi-channel product REVENUES GROWTH portfolio in diversified industries 26.6 21.8 4.8 Payment Facilitation ACH Card Issuing Output Solutions MILLION SHARES MIL
Slide 5: Revenue Grew 7x Since 2016
Revenue Grew 7x Since 2016 % Revenue Growth * $100 21% (2)%* $80 $84.1 $82.9 12% 92% $69 $60 $62 $40 15% 71% 13% $32 MILLIONS $20 21% $28 $25 $15 $0 *2025 Revenue Guidance of 14-16% 2017A 2018A 2019A 2020A 2021A 2022A 2023A 2024A • Prepaid business grew from • Payment Facilitation grew • Consolidate
Slide 6: Usio Fintech Ecosystem
Payment Facilitation Usio ACH Fintech Ecosystem Card Issuing Output Solutions Nasdaq: USIO usio.com 6
Slide 7: 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 8: ACH
ACH HOW WE MAKE MONEY Usio is the Fintech leader in payments and a Nacha Certified provider that ON AVERAGE WE EARN 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 long
Slide 9: 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 10: 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 11: Output Solutions Equipment
Output Solutions Equipment Roll to roll high-speed printing and inserting Full-color, all digital, variable printing at 73,000+ images per hour. Inserting up to 72,000 sheets/hour, 384,000 pieces/day. Each roll of paper is approximately 90,000 feet (17 miles) Real time piece level tracking for 100%
Slide 12: Adjusted EBITDA Reconciliation
Adjusted EBITDA Reconciliation Nasdaq: USIO usio.com 12
Slide 13: Balance Sheet
Balance Sheet Nasdaq: USIO usio.com 13
Slide 14: Investment Summary
Investment Summary DIVERSIFIED & INNOVATIVE In the Fast-Growing FinTech space, $82.9 14-16% MILLION 2024 2025 EXPECTED REVENUE Usio offers multi-channel product REVENUES GROWTH portfolio in diversified industries 26.6 21.8 4.8 Payment Facilitation ACH Card Issuing Output Solutions MILLION SHARES MIL
Slide 15: Contact
Contact Paul M. Manley Senior Vice President-Investor Relations m. 612.834.1804 e. paul.manley@usio.com Nasdaq: USIO