Usio Reports Record Third Quarter 2025 Processing Volumes
Usio (Nasdaq:USIO) reported record processing and transaction volumes for Q3 2025, with a quarterly record of 16.2 million transactions across payment channels.
Key operational highlights include all-time records in ACH electronic check volume and returned checks, PINless debit transactions and dollars (year-over-year growth of 96% and 87% respectively), card transactions up 19% YoY and 75% sequentially, and prepaid card loads exceeding $75 million in the quarter. Electronic documents delivered reached 20 million and mail pieces exceeded 5.4 million. Management attributed growth to diversified markets and its Usio One strategy.
Usio (Nasdaq:USIO) ha riportato volumi record di elaborazione e di transazione per il terzo trimestre del 2025, con un record trimestrale di 16,2 milioni di transazioni attraverso i canali di pagamento.
Tra i principali aspetti operativi figurano record storici nel volume di assegni elettronici ACH e assegni restituiti, transazioni PINless debit e dollari (crescita annua del 96% e 87% rispettivamente), transazioni con carta in aumento di 19% YoY, e 75% sequenzialmente, e ricariche di carte prepagate superiori a 75 milioni di dollari nel trimestre. I documenti elettronici consegnati hanno raggiunto 20 milioni e i pezzi postali hanno superato 5,4 milioni. Il management ha attribuito la crescita a mercati diversificati e alla strategia Usio One.
Usio (Nasdaq:USIO) informó volúmenes récord de procesamiento y transacción en el tercer trimestre de 2025, con un récord trimestral de 16,2 millones de transacciones en todos los canales de pago.
Entre los aspectos operativos clave destacan récords históricos en el volumen de cheques electrónicos ACH y cheques devueltos, transacciones de débito sin PIN y dólares (crecimiento interanual del 96% y 87% respectivamente), transacciones con tarjetas en aumento de 19% interanual y 75% secuencialmente, y recargas de tarjetas prepago que superaron 75 millones de dólares en el trimestre. Los documentos electrónicos entregados alcanzaron 20 millones y los envíos por correo superaron 5,4 millones. La dirección general atribuyó el crecimiento a mercados diversificados y a su estrategia Usio One.
Usio (Nasdaq:USIO)는 2025년 3분기에 모든 결제 채널에 걸친 1,620만 건의 거래를 포함한 기록적인 처리 및 거래량을 보고했습니다.
주요 운영 하이라이트로는 ACH 전자 수표 거래량 및 반송 수표에서의 사상 최대치, PINless 데빗 거래 및 달러(전년 대비 각각 96%와 87% 증가), 카드 거래가 전년 대비 19% 증가하고 전분기 대비 75% 증가, 그리고 분기에 7500만 달러를 초과한 선불카드 충전이 있습니다. 전자 문서 전달은 2000만 건에 달했고 우편물은 540만 건을 넘어 관리진은 다변화된 시장과 Usio One 전략 덕분이라고 설명했습니다.
Usio (Nasdaq:USIO) a enregistré des volumes de traitement et de transaction records pour le 3e trimestre 2025, avec un record trimestriel de 16,2 millions de transactions sur l'ensemble des canaux de paiement.
Parmi les principaux faits opérationnels figurent des records historiques dans le volume de chèques électroniques ACH et les chèques retournés, les transactions PINless debit et les dollars (croissance annuelle de 96% et 87% respectivement), les transactions par carte en hausse de 19% YoY et 75% séquentiellement, et des chargements de cartes prépayées supérieurs à 75 millions de dollars au cours du trimestre. Les documents électroniques livrés ont atteint 20 millions et les envois postaux ont dépassé 5,4 millions. La direction attribue la croissance à des marchés diversifiés et à la stratégie Usio One.
Usio (Nasdaq:USIO) meldete Rekordwerte bei Verarbeitungs- und Transaktionsvolumen im dritten Quartal 2025, mit einem vierteljährlichen Rekord von 16,2 Millionen Transaktionen über alle Zahlungskanäle.
Zu den wichtigsten operativen Höhepunkten gehören Allzeiterträge im ACH-Elektronische-Check-Volumen und bei zurückgenommenen Checks, PINless Debit-Transaktionen und Dollarbeträgen (Jahr zu Jahr Wachstum von 96% bzw. 87%), Karten-Transaktionen um 19% YoY und 75% sequentiell, sowie Loads von Prepaid-Karten, die im Quartal 75 Millionen Dollar überschreiten. Elektronische Dokumente geliefert erreichten 20 Millionen und Poststücke über 5,4 Millionen. Das Management führte das Wachstum auf diversifizierte Märkte und die Usio One-Strategie zurück.
Usio (Nasdaq:USIO) أبلغت عن أرقام قياسية في عمليات المعالجة وحجم المعاملات للربع الثالث من 2025، مع سجل ربع سنوي قدره 16.2 مليون معاملة عبر قنوات الدفع.
تشمل أبرز النقاط التشغيلية أرقام قياسية على الإطلاق في حجم شيكات ACH الإلكترونية والشيكات المرتجعة، معاملات PINless debit بالدولار (نماء سنوي قدره 96% و 87% على التوالي)، معاملات بطاقات ائتمان ارتفعت بنسبة 19% على أساس سنوي و75% على التوالي، وتحميل بطاقات مسبقة الدفع يتجاوز 75 مليون دولار في الربع. وصلت المستندات الإلكترونية المرسلة إلى 20 مليوناً وتجاوزت رسائل البريد 5.4 مليون. وأرجع المديرون النمو إلى الأسواق المتنوعة وإلى استراتيجية Usio One.
- 16.2M transactions processed in Q3 2025 (quarterly record)
- PINless debit transactions +96% YoY
- PINless debit dollars +87% YoY
- Card transactions +19% YoY and +75% QoQ
- Electronic check volume +26% YoY and all-time record
- Electronic documents delivered 20M; mail pieces > 5.4M
- Prepaid card load volume -46% YoY
- Prepaid card transaction volume -33% YoY
- Prepaid card purchase volume -21% YoY
Insights
Usio reported record processing volumes across segments, led by ACH and PayFac growth and notable PINless debit expansion.
Usio posted a quarterly record of 16.2 million transactions across channels and set multiple division-level records in the three months ended
The business mechanism is volume-driven network processing and embedded-financial services growth. Key dependencies cited include continued adoption across mortgage servicing and fintech for PINless debit, sustained PayFac activity to keep transaction counts high, and ACH product demand that has produced multi-quarter consistent growth. Risks and limitations in the disclosure are explicit: prepaid card loads and transaction metrics remain down year-over-year (prepaid load down
Concrete items to watch in the near term include whether the company sustains the ACH streak beyond the reported eighth consecutive quarter, whether PayFac transaction growth translates into higher dollars processed, and whether prepaid card metrics recover versus the prior-year decline; monitor these metrics across the next two reported quarters (
Widespread Growth Across Many Key Processing and Volume Metrics Reflects Strong Receptivity to Company’s Diversified Market Strategy
SAN ANTONIO, Nov. 04, 2025 (GLOBE NEWSWIRE) -- Usio, Inc. (Nasdaq:USIO), a leading provider of integrated, cloud-based electronic payment and embedded financial solutions, today announced record processing and transaction volumes across virtually all of its businesses for the three months ended September 30, 2025.
Usio, Inc. President and CEO Louis Hoch, noted, that for the quarter, the Company achieved:
- A Quarterly Record 16.2 million transactions processed via all payment channels
- In its ACH business, record Electronic Check Transactions, Check Dollars and Returned Checks processed as well as record PINless Debit transactions and dollars processed
- In its Credit Card business, record transactions
Mr. Hoch, commenting on the quarter, said, “I am extremely pleased with this strong third growth, reflecting the underlying value of our diversified market strategy, and delivering on our third quarter commitment to our shareholders. This is the great start to what we believe will be a strong second half of this fiscal year. For the quarter, we achieved strong sequential growth in operating metrics across all operating divisions, including seven all-time quarterly records.
“Performance in our ACH division was particularly impressive with quarterly records across all of our processing and transaction metrics. In addition, our PINless debit offering also set all-time records for both transactions processed and dollars processed with year-over year growth of
Third Quarter 2025 Processing Results
| Card Processing, Including PayFac | ||
| vQ3 24 | vQ2 25 | |
| Credit Card Dollars Processed | + | + |
| Credit Card Transactions Processed | + | + 75 % |
An all-time quarterly record was achieved in transactions processed, led by continued focus on the PayFac business, while dollars processed were the second highest in Company history.
| Card Issuing | ||
| vQ3 24 | vQ2 25 | |
| Prepaid Card Load Volume | - | + |
| Prepaid Card Transaction Volume | - | + |
| Prepaid Card Purchase Volume | - | + |
Card Issuing continues to generate sequential volume growth with total dollar loads exceeding
| ACH | ||
| vQ3 24 | vQ2 25 | |
| Electronic Check Transaction Volume | + | + |
| Electronic Check Dollars Processed | + | + |
| Returned Check Transactions Processed | + | + |
Both electronic check transaction volume and returned check transactions processed in the quarter were all-time records. All of the Company’s ACH products recorded strong sequential and year-over year growth with electronic check transaction volume and dollars processed in the third quarter recording their eighth consecutive quarter of year-over-year growth.
| Output Solutions | ||
| vQ3 24 | vQ2 25 | |
| Transactions/pieces processed & mailed | - | + |
| Electronic documents processed and delivered | + | + |
Electronic only documents delivered were 20 million in the quarter while total mail pieces processed and delivered exceeded 5.4 million.
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 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 and www.akimbocard.com.
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FORWARD-LOOKING STATEMENTS DISCLAIMER
Except for the historical information contained herein, the matters discussed in this 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. These forward-looking statements are identified by the use of words such as "believe," "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 as a result of the COVID-19 pandemic, the realization of opportunities from the IMS acquisition, the management of the Company's growth, the loss of key resellers, the relationships with the Automated Clearinghouse 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 tax 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 in the future and could cause actual results to differ materially from plans and projections. The Company believes that the assumptions underlying the forward-looking statements included in this release will prove to be accurate. 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 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
Paul Manley
Senior Vice President, Investor Relations
paul.manley@usio.com
612-834-1804
FAQ
What processing volume did USIO report for Q3 2025?
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What were USIO's card processing trends in Q3 2025?
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Did USIO see record ACH results in Q3 2025?
How many electronic documents and mail pieces did USIO process in Q3 2025?
