Usio Stock Price, News & Analysis
Company Description
Usio, Inc. (Nasdaq: USIO) is a cloud-based financial technology (FinTech) company that focuses on integrated electronic payment and embedded financial solutions. According to the company’s public disclosures and press releases, Usio operates multiple electronic payment processing platforms, including credit card, debit/prepaid card, and Automated Clearing House (ACH) systems. These platforms are designed to support electronic payments and related services for a range of business customers.
Usio states that it offers payment solutions to merchants, billers, banks, service bureaus, integrated software vendors and card issuers. Its business is centered on processing electronic transactions and providing tools that enable organizations to accept payments, issue cards, and manage funds electronically. The company describes its offering as a payment facilitation platform as a service, reflecting a focus on enabling other businesses and software platforms to embed payment capabilities into their own products and workflows.
Core payment processing and embedded financial services
Based on the company’s descriptions in its news releases, Usio operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions. This includes:
- ACH and complementary services, processing electronic checks, returned checks, and related ACH transactions.
- Credit card processing, including a PayFac (payment facilitator) business that supports card payments for clients.
- Debit and prepaid card services, where the company operates debit/prepaid card issuing and processing platforms.
- Real-time payment methods such as PINless debit, which the company highlights as one of its payment options.
Usio’s disclosures emphasize that its ACH and complementary services line of business is an important part of the company, and that it also focuses on PayFac revenues within its credit card segment. The company reports processing millions of transactions and significant payment dollar volumes across its channels, reflecting an operational focus on transaction processing scale and recurring processing activity.
Usio Output Solutions division
In addition to payment processing, Usio operates the Usio Output Solutions division. According to multiple company press releases, this division provides services related to:
- Electronic bill presentment
- Document composition
- Document decomposition
- Printing and mailing services
Through this division, Usio processes and delivers both electronic documents and physical mail pieces. The company notes that it handles electronic-only document deliveries in large volumes, as well as mail pieces processed and delivered, indicating that Output Solutions supports clients that need to send bills, statements or other documents in both electronic and print formats.
Card issuing, payment acceptance and bill payment capabilities
Across its business, Usio highlights its ability to provide tailored solutions for card issuance, payment acceptance, and bill payments. The company notes that it has unique technology in the card issuing sector, and that its payment facilitation platform allows clients to access card issuing programs and payment acceptance services. These capabilities are positioned as part of a unified offering that connects card issuing, ACH, credit card processing, and output services.
Usio also references embedded financial solutions, indicating that its technology is used within other platforms, such as software used by various industries. For example, in a partnership announcement with Mortgage Automator, Usio describes how its technology is integrated into a mortgage origination and servicing software platform to provide ACH, card payments, PINless debit and real-time disbursements for private lenders.
Business customers and partner ecosystem
According to the company’s descriptions, Usio serves a range of business customers, including:
- Merchants and billers that need to accept electronic payments and manage receivables.
- Banks and service bureaus that utilize Usio’s platforms for processing and related services.
- Integrated software vendors that embed Usio’s payment technology into their own software products.
- Card issuers that use Usio’s card issuing and prepaid card services.
Usio also highlights relationships with partners in specific verticals. For example, the company has a strategic partnership with Mortgage Automator, a mortgage origination and servicing software provider, where Usio’s payment technology is integrated to support private lenders. In another context, Usio references a relationship with BoosterHub in connection with charitable and community support activities.
Geographic footprint and corporate structure
Usio, Inc. is incorporated in Nevada, as disclosed in its Form 8-K filings. The company reports that it is headquartered in San Antonio, Texas, with offices in Austin, Texas. These locations are repeatedly cited in the company’s press releases and SEC filings. Usio also notes that it has a wholly owned subsidiary associated with its Output Solutions operations, reflecting a corporate structure that separates its document and bill presentment services from its core payment processing activities.
Growth initiatives and transaction volumes
In its quarterly financial result announcements, Usio emphasizes growth in total payment transactions processed and total payment dollars processed through all payment channels. The company reports processing tens of millions of transactions and significant payment dollar volumes across ACH, credit card, prepaid card and Output Solutions channels. It also discusses the performance of specific lines of business, such as ACH, PINless debit, credit card processing (including PayFac), prepaid card services, and Output Solutions.
The company highlights that its ACH and complementary services line of business has experienced strong growth in electronic check transaction volumes, dollars processed, and returned check transactions. It also notes that its PINless debit offering has recorded multiple consecutive quarters of growth in both transactions and dollars processed. In its credit card segment, Usio reports that PayFac revenues are growing and offsetting attrition in legacy credit card volumes. For Output Solutions, the company describes trends in mail pieces processed and delivered, as well as electronic-only documents processed and delivered.
Acquisition and product expansion
In a press release announcing the acquisition of substantially all of the assets of PostCredit Co, Usio describes PostCredit as a financial technology company that developed a modern expense-management and business-banking platform used by film and entertainment productions. The platform incorporates AI to ingest receipts, match them to transactions, and apply tags to reduce manual reconciliation work. Usio states that it plans to integrate PostCredit’s technology with its own payment acceptance services, ACH and real-time payments, card issuing programs and disbursement tools.
Usio indicates that this acquisition supports its strategy to bring a business-banking and expense-management solution to market, connected to its payment infrastructure. The combined platform is described as a central hub for clients, offering corporate cards, accounts payable and accounts receivable capabilities, including ACH, check issuance, and card acceptance, with integrations to accounting systems such as QuickBooks and other leading accounting systems. These statements reflect Usio’s intention to expand the scope of its payment and financial technology offerings by incorporating PostCredit’s capabilities.
Corporate culture and recognition
Usio has publicly announced that it earned a Great Place To Work Certification for the 2025/2026 period. The company notes that this certification is based on employee feedback about workplace culture and that a high percentage of its employees reported that Usio is a great place to work. In its communications, Usio emphasizes its focus on employee experience, culture, and benefits, and highlights that it offers programs such as employee ownership and benefits that it characterizes as comparable to those found at larger organizations.
Community involvement
In a press release regarding flood relief efforts in Texas, Usio describes its participation in supporting The Comfort Area Foundation in response to flooding in the Texas Hill Country. The company reports that it made a donation and provided support, alongside its partner BoosterHub, to assist victims in the affected area. Usio presents this activity as part of its commitment to supporting the communities in which it operates.
Regulatory filings and governance
Usio is a public company that files reports with the U.S. Securities and Exchange Commission (SEC) under the Exchange Act. Its Form 8-K filings confirm its incorporation in Nevada and provide information about events such as quarterly financial result announcements, amendments to independent director agreements, adoption of a Restricted Stock Unit Agreement under the company’s 2025 Comprehensive Equity Incentive Plan, and an employment agreement with a senior officer. These filings provide insight into the company’s governance, compensation practices, and ongoing disclosure of material events.
USIO stock and investor information
Usio’s common stock trades on Nasdaq under the ticker symbol USIO. The company issues press releases to announce quarterly financial results, processing volumes, strategic partnerships, acquisitions, and other developments. It also hosts regular conference calls and webcasts to discuss financial results and provide business updates, and it references its investor relations materials in connection with these events.
Frequently Asked Questions (FAQ)
- What does Usio, Inc. do?
Usio, Inc. is a FinTech company that operates integrated, cloud-based electronic payment and embedded financial solutions platforms. It processes electronic payments through credit card, debit/prepaid card, and ACH systems, and offers related services to merchants, billers, banks, service bureaus, integrated software vendors and card issuers. - How does Usio generate revenue?
According to its financial disclosures, Usio reports revenues from several lines of business, including ACH and complementary services, credit card processing (including PayFac), prepaid card services, Output Solutions, and interest associated with these activities. These revenue categories are detailed in the company’s quarterly financial result press releases. - What is Usio Output Solutions?
Usio Output Solutions is a division of Usio that provides services such as electronic bill presentment, document composition, document decomposition, and printing and mailing services. The division processes and delivers both electronic documents and physical mail pieces for clients. - What types of customers use Usio’s services?
Usio states that its payment and financial technology solutions are used by merchants, billers, banks, service bureaus, integrated software vendors and card issuers. It also partners with software providers, such as Mortgage Automator, to embed its payment technology into industry-specific platforms. - Where is Usio headquartered?
Usio reports that it is headquartered in San Antonio, Texas, and that it has offices in Austin, Texas. Its SEC filings identify the company as incorporated in Nevada. - What is Usio’s stock symbol and where is it listed?
Usio’s common stock is listed on Nasdaq under the ticker symbol USIO. The company issues press releases and hosts conference calls to discuss its financial results and business developments. - What is the role of ACH and complementary services in Usio’s business?
In its quarterly financial announcements, Usio highlights ACH and complementary services as a significant line of business. The company reports growth in electronic check transaction volumes, dollars processed, and returned check transactions, and notes that ACH and complementary services contribute to its overall revenue and margin profile. - What is Usio’s PayFac business?
Usio describes a PayFac (payment facilitator) component within its credit card segment. It reports that PayFac revenues have grown and have helped offset attrition in legacy credit card volumes. PayFac activity is reflected in the company’s credit card revenue disclosures. - What is the significance of the PostCredit acquisition for Usio?
Usio announced that it acquired substantially all of the assets of PostCredit Co, a financial technology company that developed an expense-management and business-banking platform. Usio plans to integrate PostCredit’s AI-enabled platform with its payment acceptance, ACH, real-time payments, card issuing and disbursement tools to support a broader business-banking and expense-management solution. - Has Usio received any workplace or culture recognition?
Yes. Usio has announced that it earned a Great Place To Work Certification for the 2025/2026 period, based on feedback from its employees regarding workplace culture and experience.