Usio Acquires PostCredit Co
Rhea-AI Summary
Usio (Nasdaq: USIO) announced an all-stock acquisition of substantially all assets of PostCredit Co on Nov 25, 2025. PostCredit provides an AI-driven expense-management and business-banking platform initially used by film and entertainment productions.
Usio plans to integrate PostCredit with its payment acceptance, ACH and real-time payments, card-issuing programs, disbursement tools, and accounting integrations such as QuickBooks, aiming to deliver a unified business-banking and expense-management solution. PostCredit co-founder Benjamin Liu will remain in a consulting role during transition.
Positive
- All-stock acquisition of PostCredit assets announced Nov 25, 2025
- Adds AI-driven expense-management with receipt ingestion and automatic tagging
- Planned integration with payments, ACH, real-time payments, and card issuing
- Targets unified platform combining corporate cards, AP, AR, and accounting integrations
- Co-founder Benjamin Liu to remain involved in a consulting capacity
Negative
- Purchase price and detailed deal economics were not disclosed
- Timing and cost to scale PostCredit beyond film industry are unquantified
- Press release highlights general forward-looking risks, including potential financing needs
Insights
Usio acquires PostCredit to add expense-management and business-banking capabilities to its payments stack.
Usio acquired substantially all assets of PostCredit in an all-stock transaction on
Dependencies and risks center on successful technical integration and go-to-market expansion beyond PostCredit's original industry. The company explicitly plans to connect the platform to Usio's payment infrastructure and accounting integrations like QuickBooks, so execution of those integrations and retention of platform knowledge during transition (with PostCredit co-founder remaining as a consultant) will drive whether the acquisition yields measurable product breadth.
Watch for concrete integration milestones, product availability combining corporate cards with accounts payable/receivable features, and customer onboarding metrics as the next indicators of value creation; near-term signals will determine if the combined offering reaches broader markets as stated.
Acquisition adds an AI-enabled expense engine; integration quality will determine commercial upside.
The acquired system automates receipt matching and tagging, reducing reconciliation work, and is intended to become a central hub for corporate cards, AP/AR (ACH, check issuance), and card acceptance linked to Usio's platforms. The stated plan is to extend the architecture to broader business needs using Usio's existing payment and card-issuing infrastructure.
Key implementation risks include migrating platform customers, preserving AI accuracy after integration, and delivering connectors to accounting systems. Management notes the PostCredit co-founder will consult during transition, which may mitigate knowledge loss during integration.
Concrete items to monitor: availability of combined features (cards + AP/AR + integrations), retention of existing PostCredit customers, and evidence the AI receipt-matching maintains accuracy after integration; these milestones should surface in product announcements and operational updates following the acquisition.
Usio to Offer Business Banking Services to its Clients1
1 Usio Inc. is a financial technology company and not a bank. Banking services provided by TransPecos Banks, SSB, Member FDIC.
SAN ANTONIO, Nov. 25, 2025 (GLOBE NEWSWIRE) -- Usio, Inc. (Nasdaq: USIO), a leading provider of fintech payment and card issuing solutions, today announced that it has acquired substantially all of the assets of PostCredit, Co (PostCredit), a Los Angeles-based financial technology company in an all-stock transaction.
PostCredit developed a modern expense-management and business-banking platform used by film and entertainment productions, an industry that requires real-time budgeting, spend controls and project-based cost tracking. The system incorporates AI to ingest receipts, match them to the correct transactions, and automatically apply the appropriate tags reducing manual reconciliation work. Usio believes the platform’s architecture can be extended to support a broader range of business needs.
The acquisition supports Usio’s strategy to bring a comprehensive business-banking and expense-management solution to market, fully connected to its payment infrastructure. Usio plans to integrate PostCredit’s technology with its payment acceptance services, ACH and real-time payments, card-issuing programs and disbursement tools. The combined platform is expected to serve as a central hub for clients, offering corporate cards, accounts payable and accounts receivable capabilities including ACH, check issuance, and card acceptance, as well as integrations with QuickBooks and other leading accounting systems.
"PostCredit built a modern banking and expense management platform for the film industry, but we believe its capabilities reach far beyond that market,” said Houston Frost, Chief Product Officer at Usio. “Combining this platform with Usio’s payment acceptance and card-issuing infrastructure, allows us to approach the breadth of what businesses typically receive when combining offerings from companies such as Stripe, Marqeta and Ramp. With this acquisition, Usio believes it has the opportunity to deliver these services in one unified solution. That’s the direction we’re heading, and we believe this acquisition accelerates that vision."
With the PostCredit platform moving under Usio’s umbrella, Usio believes that its capabilities can now be expanded and delivered to a broader market, supported by Usio’s payment infrastructure and product scale. PostCredit Co-founder Benjamin Liu is expected to remain involved in a consulting capacity as the platform transitions into the Usio ecosystem.
“Building PostCredit has always been about solving real problems for people who needed better tools, and it has been incredible to watch the platform grow from an idea into something teams rely on every day,” Benjamin Liu, Co-founder and CEO of PostCredit said. “PostCredit joining the Usio ecosystem gives the technology the chance to reach more industries and customers faster than ever. With Usio’s infrastructure and experience, the platform will also evolve more quickly than we could have achieved alone. I’m proud of what we created at PostCredit, and I’m excited to support the company’s next chapter as it expands under Usio’s leadership.”
About Usio, Inc.
Usio, Inc. (Nasdaq: USIO), a leading, cloud-based, integrated FinTech electronic payment solutions provider, offers a wide range of payment solutions to merchants, billers, banks, service bureaus, integrated software vendors and card issuers. The Company operates credit, debit/prepaid, and ACH payment processing platforms to deliver convenient, world-class payment solutions and services to clients through its unique payment facilitation platform as a service. The Company, through its Usio Output Solutions division offers services relating to electronic bill presentment, document composition, document decomposition and printing and mailing services. The strength of the Company lies in its ability to provide tailored solutions for card issuance, payment acceptance, and bill payments as well as its unique technology in the card issuing sector. Usio is headquartered in San Antonio, Texas, and has offices in Austin, Texas. Websites: www.usio.com, www.payfacinabox.com, www.akimbocard.com and www.usiooutput.com. Find us on Facebook® and Twitter.
FORWARD-LOOKING STATEMENTS DISCLAIMER
Except for the historical information contained herein, the matters discussed in this press release 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, belief and expectations, such as statements concerning our future and our operating and growth strategy and any guidance for future periods. These forward-looking statements are identified by the use of words such as "believe," "should," "intend," "look forward," "anticipate," "schedule,” and "expect" among others. Forward-looking statements in this press release are subject to certain risks and uncertainties inherent in the Company's business that could cause actual results to vary, including such risks related to an economic downturn, the management of the Company's growth, the loss of key resellers, the relationships with the Automated Clearing House network, bank sponsors, third-party card processing providers and merchants, the security of our software, hardware and information, the volatility of the stock price, the need to obtain additional financing, risks associated with new legislation, and compliance with complex federal, state and local laws and regulations, and other risks detailed from time to time in the Company's filings with the Securities and Exchange Commission including its annual report on Form 10-K for the fiscal year ended December 31, 2024. One or more of these factors have affected, and in the future could affect, the Company’s businesses and financial results and could cause actual results to differ materially from plans and projections. Although the Company believes that the assumptions underlying the forward-looking statements included in this press release are reasonable, the Company can give no assurance such assumptions will prove to be correct. In light of the significant uncertainties inherent in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by us or any other person that the objectives and plans will be achieved. All forward-looking statements made in this press release are based on information presently available to management. The Company assumes no obligation to update any forward-looking statements, except as required by law.
Contact:
Investor Relations
Paul Manley
Senior Vice President, Investor Relations
paul.manley@usio.com
612-834-1804
Media Relations
Jessica Starman
media@usio.com
FAQ
What did Usio announce about PostCredit on Nov 25, 2025 (USIO)?
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