Usio, Inc. · NASDAQ:USIO

Usio — Investor Presentation (October 2026)

28 slides from Usio's investor presentation, Oct 19, 2026

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

    ®usio Embedded Payments. Built for Scale. Nasdaq: USIO

  2. Slide 2: Forward-Looking Statements

    ®Pusio Forward’ Looking Statements Usio.com | @2026 Usio, Inc 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 s

  3. Slide 3: Founded in 1998 Revenue: $85.4M FY25

    Usio.com | ©2026 Usio, Inc Founded in 1998 Revenue: $85.4M FY25 Nacha Certified & HIPPA FY2026 Revenue Compliant Guidance: 14-16% Growth Employees: 110 Market Cap: ~$80M (10/16/2026) Usio is a leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment ac

  4. Slide 4: Full-Service Payments Platform

    ®usio Full-Service Payments Platform => ZY SE JF Payment ACH Card Issuing Output Solutions Facilitation Usio.com | ©2026 Usio, Inc

  5. Slide 5: Trusted by top businesses, nonprofits, cities, counties, and municipalities

    ®usio Trusted by top businesses, nonprofits, cities, counties, and municipalities across the U.S. Yt mobiternoney Opentable a: e ‘errvor FANCARDS 4 LUFT «9 merck «= @ Miami . r RSS EVOLUTION ; 7 Save the Children. S INMAR UpTogether aa HEALTH City of Phoenix =iiBGlll (AiDKIT e Steady Usio.com | ©202

  6. Slide 6: Payment Facilitation

    ® usio Payment Facilitation Total Card Processing Volume HOW, WE MAKE MONEY Six-month periods, $ millions. +14% YoY $100 Customer Payment 1000 $974M $97.50 Merchant Payout ” $866M $2.50 Processing fee $851M i revenue 800 $1.85 Card issuer $752 $771M $0.15 Card network sop $692M $694 Software partner

  7. Slide 7: ACH

    ®usio ACH HOW WE MAKE MONEY Fees on originations and returns $0.70 Average revenue per transaction $0.41 Net revenue per transaction 70%+ Transaction margin Margin definition subject to confirmation. Calculation basis may differ. Usio.com | ©2026 Usio, Inc Nasdaq: USIO ACH Processing Activity 13.14M

  8. Slide 8: ACH: Record Q3 2026 Activity

    ®usio ACH Q3°2026 RECORD ACH ACTIVITY Strong growth across transaction volume, payment dollars, and returned-check processing. Usio.com | ©2026 Usio, Inc Nasdaq: USIO Record Q3 2026 ACH Processing Activity Q3 2026 YEAR-OVER-YEAR GROWTH +39% +26% +44% ACH Transactions ACH Dollars Returned Checks Proc

  9. Slide 9: Card Issuing

    ® usiO Card Issuing Card Issuing Activity HOW WE MAKE MONEY $113.7M +9.1% YoY Purchase volume in 1H 2026 Purchase volume growth Interchange on ®& cardholder purchases Cardholder Purchase Volume ($ millions) @ Program and 160) 24a $132.1 transaction fees $115.1 : $113.7 $104.3 103: 100 $88.5 » More c

  10. Slide 10: Education Disbursements: Expanding Reach & Opportunity

    ®usio Education Disbursements: Expanding Reach & Opportunity lal HIGHER EDUCATION (a= STATE SCHOOL VOUCHERS Title IV Student Refunds 37 STATES PROCESSING 1 UNIVERSITY LIVE 5 Active Card Programs 2 IN PIPELINE ~$1.3B disbursed over the last 12 months Through ISV customer $1 B + Additional State F] Co

  11. Slide 11: Output Solutions

    S usio Nasdaq: USIO Output Solutions Output Solutions Processing Activity HOW WE MAKE +36% YoY +45% YoY MONEY . . . . Printed & Mailed Pieces Electronic Documents Printing & Mailing 20M 60M . . 15M 45M Electronic Delivery ° 10M 30M Document Composition sh ism & Fulfillment OM OM 1H23 2H23 1H24 2H24

  12. Slide 12: Usio One: One Team. More Cross-Sell.

    ®usio ONE WHY IT USIO One: One Team. More Cross-Sell. MATTERS Deeper Customer Relationships. Launched in 2025 to unify sales, service, and operations One Sales Organization across Usio’s product lines. One Customer Support Disbursements Model Card Issuing + Consumer Choice + ACH One Backend / | Oper

  13. Slide 13: Usio ION: One Platform. More Opportunity.

    ®usio ION Usio ION: One Platform. More Opportunity. 1 Operating Account + Operating Account ONE . — CONNECTED PLATFORM = fa || ee $0.00 = “ we sooo UNIFIED PAYMENTS INTEGRATED SETTLEMENT Prefunding Accounts ADDITIONAL EARNINGS ‘Add your uso" UCP prefunding account ts Usie.com | ©2026 Usio, ine More

  14. Slide 14: Usio Named a Preferred Payments Service Provider for Harris Computer

    GS HARRIS + usio Usio Named a Preferred Payments Service Provider for Harris Computer 70,000+ Utility providers served by Harris across the United States A significant potential distribution opportunity for Usio Ps EA = Embedded Payments Print & Digital Delivery Card, ACH and PINless debit in Output

  15. Slide 15: Revenue by Business Line: 1H 2026 vs. 1H 2025

    ®usio Revenue by Business Line: 1H 2026 vs. 1H 2025 $49.1 4M 1H 2026 Total Revenue +17% YoY 1H 2025: $41.97M M@™ 1H 2025 1H 2026 YoY $1: 220 +259 Credit Card / PayFac $18.71M 25% ACH & Complementary iS s 10.240 +220 Services $12.60M 23% no ES 510.200 +20° Output Solutions $12.47M 20% Card Issuing /

  16. Slide 16: 1H 2026 Financial Highlights

    ®usio 1H 2026 Financial Highlights Revenue Growth and Improving Profitability Revenue $41.97M $49.14M +17.1% Gross Profit $9.95M $10.86M +9.2% Adjusted EBITDA* $1.17M $1.93M +64.9% GAAP Net Income (Loss) ($0.60M) $0.40M +$1.00M swing Diluted EPS ($0.02) $0.01 +$0.03 *Adjusted EBITDA is a non-GAAP me

  17. Slide 17: 2026 Outlook & Expectations

    ®usio 2026 Outlook & Expectations 2026 Guidance 1 4—1 6% 2026 Revenue Growth Guidance Raised from 10-12% after Q2 2026 earnings release Continued positive Adjusted EBITDA expected Profitability Focus Positioned to Execute ne Operating Leverage ai WN Strong Financial Position Pill Margin Expansion ey

  18. Slide 18: Contact

    ®usio Contact Usio.com | ©2026 Usio, Inc Investor Relations Team Have a question? Reach out to our team. ir@usio.com Nasdaq: USIO 18

  19. Slide 19: Appendix

    ®usio Appendix Nasdaq: USIO Isio.com | ©2026 Usio, Inc

  20. Slide 20: PayFac in Action: PracticeSuite

    ®usio Payment Facilitation PayFac in Action: PracticeSuite Pay Fac Medical Practices Using PracticeSuite Merchant Settlement os IDEAL CUSTOMER: Multi-Merchant Software Platforms Embedded, Branded Peper ® PracticeSuite USIO Practice Management Software Payment Transactions PayFac & Distribution Partn

  21. Slide 21: ACH in Action: Lending & Loan Servicing

    ®usio acu ACH in Action: Lending & Loan Servicing ACH A lender uses Usio to disburse loan proceeds and collect recurring repayments. IDEAL CUSTOMER: : , 1. SEND — Loan Disbursement Businesses Accepting > > Electronic Payments (oro High-Volume or Rosy A Recurring Billers Lender / Fintech USIO Borrowe

  22. Slide 22: Card Issuing in Action: Disbursements to Everyday Spending

    ®usio Card Issuing ; Card Issuing in Action: Card Issuing Disbursements to Everyday Spending Prepaid card issuance and program infrastructure IDEAL CUSTOMER: help organizations distribute funds to individuals. © Organizations Distributing Funds BR | @_ Oban Luin Businesses Launching 7iN > = a (ey >

  23. Slide 23: Output Solutions in Action: Utility Billing

    ®usio Output Solutions Solutions IDEAL CUSTOMER: © Utilities, financial, healthcare & government High-volume statements, invoices & checks Lower-cost print, mail & electronic delivery Usio.com | ©2026 Usio, Inc Output Solutions in Action: Utility Billing A utility company uses Usio to produce and de

  24. Slide 24: Dollars Processed

    } usio Nasdaq: USIO Dollars.Processed $5.03B +27.1 % YoY Processed in 1H 2026 vs. 1H 2025 Dollars Processed ($ billions) 5 4.6 5.0 4.0 4.0 3.2 3 (2.6 2.9 2 1 0 1H 2023 2H 2023 1H 2024 2H 2024 1H 2025 2H 2025 1H 2026 Usio.com | ©2026 Usio, Inc Source: internal processing volume data

  25. Slide 25: Transactions Processed

    > usio Nasdaq: USIO Transactions 35.77M +23.5% YoY Processed Processed in 1H 2026 vs. 1H 2025 Transactions Processed (millions) 40 30 34.3 35.8 26.9 29.0 oo 18.1 20:2 AS ail 0 1H 2023 2H 2023 1H 2024 2H 2024 1H 2025 2H 2025 1H 2026 Usio.com | ©2026 Usio, Inc Source: internal processing volume data

  26. Slide 26: Product Line Financial Performance

    ®usio Product Line Financial Performance Payment Facilitation 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 and complementary se

  27. Slide 27: GAAP Reconciliation

    Nasdaq: USIO GAAP Reconciliation Twelve Months Ended Three Months Ended Six Months Ended 31-Dec-25 31-Dec-24 30-Jun-26 30-Jun-25 30-Jun-26 30-Jun-25 (Values in Millions) Revenues Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) S (2.4) S$: (1.5) 5 0.4 $ (0.4) $

  28. Slide 28: Shareholder Information

    ®usio Shareholder Information Usio.com | ©2026 Usio, Inc 28.5 Million Shares Outstanding As Of June 30, 2026 Nasdaq: USIO Million Shares Of Million Shares Of Public Float Insider Ownership As As Of June 30, 2026 Of June 30, 2026 28

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