USIO News & Events

Usio has published its 2025 annual shareholder letter from Chairman and CEO, Louis Hoch. "Throughout 2025, Usio continued to execute on our mission of delivering secure, scalable, and integrated electronic payment and embedded financial solutions. Our diversified platform, spanning ACH, credit and debit card processing, payment facilitation, card issuing and output services, enables us to meet the evolving market while deepening and expanding client relationships across a wide range of industries... While we are finalizing our financial 2025 results and the completion of the audit by our independent public accounting firm, preliminary data indicates that we processed more than $8.4 billion in payment volume, up from $7.1 billion in 2024, representing a 19% year-over-year increase. Total payment transactions processed exceeded 60.4 million, compared to 47 million in the prior year, an increase of 29%. Operational momentum accelerated throughout the year. In the third quarter, our ACH division achieved all-time quarterly records across all key processing metrics, while our PINless debit service delivered record quarterly transaction volumes and dollars processed... Looking ahead, we believe the Card Issuing business is well positioned for a strong recovery... In 2025, we expect to report record revenues, driven by robust increases in payment volumes and momentum in high-growth segments such as ACH and Real-time payments such as PINless debit... Our balance sheet remains strong with ample liquidity to support operations, strategic initiatives, and share repurchases... We made meaningful investments in our go-to-market strategy and technology stack... Entering 2026, we are energized by the momentum we've built. Our strategic priorities include: Scaling recurring revenue streams and deepening partner relationships; Expanding our offerings to include more emerging payment technologies; Continuing to pursue disciplined, accretive opportunities that align with our core competencies; Enhancing shareholder value through operational execution and prudent capital allocation. The successful integration of our PostCredit, a recent acquisition which will allow us to lever banking services for our customer base via our relationship with our various bank sponsors."

Usio has acquired substantially all of the assets of PostCredit, Co 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. 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.

Reports Q3 revenue $21.18M, consensus $22.19M. Louis Hoch, President and Chief Executive Officer of Usio, said, "I am pleased to report that we delivered on our commitment to shareholders with a solid quarter that has us on pace to generate second half results exceeding those of the first half. This was achieved through sequential growth in operating metrics across all operating divisions for the third quarter of 2025, including seven all-time records. Our ACH division set all-time quarterly records for all key processing metrics. Our PINless debit offering also set quarterly all-time records as transactions and dollars processed were up 96% and 87%, respectively, from the same period a year ago, driven by growth in the mortgage servicing and fintech industries."

Usio announced record processing and transaction volumes across virtually all of its businesses for the three months ended September 30, 2025. Usio 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. Hoch 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 96% and 87%, respectively, for transactions and dollars processed. Both metrics were driven by growth in the mortgage servicing and fintech industries. Strong performance across these performance metrics reflects increasing market interest in our various products and solutions, the ongoing success of our Usio One strategy, and the dedication of our team to improving the value of our franchise."