Usio, Inc. · NASDAQ:USIO

Usio — Investor Presentation (October 2026)

28 slides from Usio's investor presentation, October 2026

Slide 1: Embedded Payments. Built for Scale.
Embedded Payments. Built for Scale. Nasdaq: USIO Usio.com | ©2026 Usio, Inc | Rev. October 2026 1
Slide 2: Forward Looking Statements
Nasdaq: USIO 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 statements include, but are not limited to, statem
Slide 3: About
Nasdaq: USIO 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 ABOUT acceptance
Slide 4: Full-Service Payments Platform
Nasdaq: USIO Full-Service Payments Platform Payment ACH Card Issuing Output Solutions Facilitation Usio.com | ©2026 Usio, Inc
Slide 6: Payment Facilitation: Total Card Processing Volume
Payment Facilitation Nasdaq: USIO Total Card Processing Volume HOW WE MAKE MONEY Six-month periods, $ millions. +14% YoY $100 Customer Payment 1000 $974M $97.50 Merchant Payout 900 $866M Processing fee $851M $2.50 revenue 800 $771M $1.85 Card issuer $752M $0.15 Card network $692M $694M 700 Software
Slide 7: ACH Processing Activity
ACH Nasdaq: USIO HOW WE MAKE MONEY ACH Processing Activity Fees on originations and returns 13.14M transactions in 1H 2026 +34% YoY Transactions processed (millions) $0.70 15M 13.14 Average revenue 13M per transaction 11.69 $0.41 11M 9.82 9.34 Net revenue per transaction 9M 7.19 7.30 70%+ 7M 6.85 Tr
Slide 8: Record Q3 2026 ACH Processing Activity
ACH Nasdaq: USIO Q3 2026 Record Q3 2026 ACH Processing Activity RECORD ACH ACTIVITY Q3 2026 YEAR-OVER-YEAR GROWTH Strong growth across transaction volume, payment dollars, and returned-check +39% +26% +44% processing. ACH Transactions ACH Dollars Returned Checks Processed Processed Processed Q3 2026
Slide 9: Card Issuing Activity
Card Issuing Nasdaq: USIO 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 150 $132.1 $124.4 transaction fees $115.1 $109.4 $113.7 $104.3 100 $88.5 More
Slide 10: Education Disbursements: Expanding Reach & Opportunity
Nasdaq: USIO Education Disbursements: Expanding Reach & Opportunity HIGHER EDUCATION STATE SCHOOL VOUCHERS Title IV Student Refunds 1 UNIVERSITY LIVE 37 STATES PROCESSING 5 Active Card Programs 23 IN PIPELINE Through ISV customer ~$1.3B disbursed over the last 12 months Consumer Choice $1B+ Addition
Slide 11: Output Solutions Processing Activity
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 5M 15M & Fulfillment 0M 0M 1H23 2H23 1H24 2H24 1H25 2H25 1H26 1H24 2
Slide 12: USIO One: One Team. More Cross-Sell.
ONE Nasdaq: USIO WHY IT USIO One: One Team. More Cross-Sell. MATTERS Deeper Customer Relationships. Launched in 2025 to unify sales, service, and operations o One Sales Organization across Usio’s product lines. o One Customer Support Disbursements Model Card CardIssuing Issuing+ Consumer Consumer Ch
Slide 13: Usio ION: One Platform. More Opportunity.
ION Usio ION: One Platform. More Opportunity. Nasdaq: USIO ONE CONNECTED PLATFORM UNIFIED PAYMENTS INTEGRATED SETTLEMENT ADDITIONAL EARNINGS Usio.com | ©2026 Usio, Inc More Customer Utility. Greater Revenue Potential.
Slide 14: Usio Named a Preferred Payments Service Provider for Harris Computer
Nasdaq: 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 Embedded Payments Print & Digital Delivery Card, ACH and PINless debit in Output Solutions f
Slide 15: Revenue by Business Line: 1H 2026 vs. 1H 2025
Revenue by Business Line: Nasdaq: USIO 1H 2026 vs. 1H 2025 $49.14M 1H 2026 Total Revenue 1H 2025: $41.97M +17% YoY 1H 2025 1H 2026 YoY $14.92M Credit Card / PayFac $18.71M +25% ACH & Complementary $10.24M Services $12.60M +23% $10.38M Output Solutions $12.47M +20% $5.63M Card Issuing / Prepaid $4.83
Slide 16: 1H 2026 Financial Highlights
1H 2026 Financial Highlights Nasdaq: USIO Revenue Growth and Improving Profitability Operating Results 1H 2025 1H 2026 Change 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
Slide 17: 2026 Outlook & Expectations
2026 Outlook & Expectations Nasdaq: USIO 2026 Guidance 14–16% 2026 Revenue Growth Guidance Raised from 10–12% after Q2 2026 earnings release Continued positive Adjusted EBITDA expected Profitability Focus Positioned to Execute Operating Leverage Strong Financial Position Margin Expansion Robust Sale
Slide 20: Payment Facilitation: PayFac
Nasdaq: USIO Payment Facilitation PayFac IDEAL CUSTOMER: o Multi-Merchant Software Platforms o Embedded, Branded Payments o Payment Monetization Without PayFac Infrastructure Usio.com | ©2026 Usio, Inc
Slide 21: ACH in Action: Lending & Loan Servicing
Nasdaq: USIO ACH ACH in Action: Lending & Loan Servicing ACH A lender uses Usio to disburse loan proceeds and collect recurring IDEAL CUSTOMER: repayments. 1. SEND — Loan Disbursement o Businesses Accepting Electronic Payments o High-Volume or Recurring Billers Lender / Fintech USIO Borrower o Busin
Slide 22: Card Issuing in Action: Disbursements to Everyday Spending
Card Issuing Nasdaq: USIO Card Issuing in Action: Card Issuing Disbursements to Everyday Spending IDEAL CUSTOMER: Prepaid card issuance and program infrastructure help organizations distribute funds to individuals. o Organizations Distributing Funds o Businesses Launching Branded Card Programs Busin
Slide 23: Output Solutions in Action: Utility Billing
Nasdaq: USIO Output Solutions Output Solutions in Action: Output Utility Billing Solutions A utility company uses Usio to produce and deliver monthly customer bills through physical mail and electronic channels. IDEAL CUSTOMER: o Utilities, financial, Print & Mail healthcare & Printed Statements gov
Slide 24: Dollars Processed
Nasdaq: USIO Dollars Processed $5.03B +27.1% YoY Processed in 1H 2026 vs. 1H 2025 Dollars Processed ($ billions) 6 5.0 5 4.6 4.0 4.0 4 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
Slide 25: Transactions Processed
Nasdaq: USIO Transactions Processed 35.77M +23.5% YoY Processed in 1H 2026 vs. 1H 2025 Transactions Processed (millions) 40 35.8 34.3 30 26.9 29.0 20.2 21.8 20 18.1 10 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
Slide 26: Product Line Financial Performance
Nasdaq: USIO Product Line Financial Performance Q2 – 2026 Payment Facilitation ACH 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
Slide 28: Shareholder Information
Nasdaq: USIO Shareholder 28.5 22.5 6.0 Information Million Shares Outstanding Million Shares Of Public Float Million Shares Of Insider Ownership As As Of June 30, 2026 As Of June 30, 2026 Of June 30, 2026 Usio.com | ©2026 Usio, Inc 28

Usio — Investor Presentation (October 2026) on 6ix

Usio — Investor Presentation (October 2026)

Slide 1: Embedded Payments. Built for Scale.

Slide 2: Forward Looking Statements

Slide 3: About

Slide 4: Full-Service Payments Platform

Slide 5: Nasdaq: USIO Usio.com | ©2026 Usio, Inc

Slide 6: Payment Facilitation: Total Card Processing Volume

Slide 7: ACH Processing Activity

Slide 8: Record Q3 2026 ACH Processing Activity

Slide 9: Card Issuing Activity

Slide 10: Education Disbursements: Expanding Reach & Opportunity

Slide 11: Output Solutions Processing Activity

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

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

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

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

Slide 16: 1H 2026 Financial Highlights

Slide 17: 2026 Outlook & Expectations

Slide 18: Contact

Slide 19: Appendix

Slide 20: Payment Facilitation: PayFac

Slide 21: ACH in Action: Lending & Loan Servicing

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

Slide 23: Output Solutions in Action: Utility Billing

Slide 24: Dollars Processed

Slide 25: Transactions Processed

Slide 26: Product Line Financial Performance

Slide 27: GAAP Reconciliation

Slide 28: Shareholder Information