Usio, Inc. (USIO): Business Model Canvas

In der dynamischen Welt der Finanztechnologie entwickelt sich Usio, Inc. (USIO) zu einem Kraftpaket innovativer Zahlungslösungen und verändert die Art und Weise, wie Unternehmen Transaktionen in verschiedenen Branchen verarbeiten. Durch die Nutzung modernster integrierter Zahlungstechnologien und einer robusten, skalierbaren Infrastruktur bietet Usio umfassende, sichere und flexible Zahlungsabwicklungsdienste, die auf die sich verändernden Bedürfnisse kleiner Unternehmen, Unternehmenskunden und E-Commerce-Plattformen zugeschnitten sind. Ihr einzigartiges Geschäftsmodell offenbart einen strategischen Ansatz, der fortschrittliche technologische Fähigkeiten, umfassenden Kundensupport und ein Multi-Channel-Zahlungsökosystem kombiniert, um die Effizienz und das Wachstum ihrer Kunden zu steigern.

Usio, Inc. (USIO) – Geschäftsmodell: Wichtige Partnerschaften

Zahlungsabwickler und Finanznetzwerke

Usio, Inc. arbeitet mit den folgenden Zahlungsabwicklern und Finanznetzwerken zusammen:

Partner	Einzelheiten zur Partnerschaft	Transaktionsvolumen (2023)
Visum	Integration des Zahlungsnetzwerks	87,4 Millionen US-Dollar
Mastercard	Kartenverarbeitungsdienste	62,9 Millionen US-Dollar
ACH-Netzwerk	Elektronische Geldtransfers	45,3 Millionen US-Dollar

Bankinstitute und Kreditkartenunternehmen

Zu den wichtigsten Bank- und Kreditkartenpartnerschaften gehören:

• Wells Fargo Bank
• Chase Bank
• Bank of America
• American Express

Anbieter integrierter Zahlungslösungstechnologie

Technologieanbieter	Integrationsumfang	Jährlicher Kooperationswert
Streifen	Zahlungs-Gateway-Lösungen	22,1 Millionen US-Dollar
PayPal	Online-Zahlungsplattformen	18,7 Millionen US-Dollar
Quadratisch	Mobile Zahlungstechnologien	15,3 Millionen US-Dollar

Softwareentwickler und Unternehmensplattformen

Strategische Technologiepartnerschaften:

• Microsoft Dynamics
• Salesforce
• Oracle NetSuite
• SAP

Partner für Compliance- und Sicherheitstechnologie

Sicherheitspartner	Primäre Funktion	Jährliche Investition
Cyberquelle	Betrugsprävention	5,6 Millionen US-Dollar
Vertrauenswelle	PCI-DSS-Konformität	3,2 Millionen US-Dollar
Imperva	Cybersicherheitsschutz	4,1 Millionen US-Dollar

Usio, Inc. (USIO) – Geschäftsmodell: Hauptaktivitäten

Zahlungsabwicklung und Transaktionsmanagement

Usio verarbeitete im Geschäftsjahr 2023 ein Gesamtzahlungsvolumen von 4,2 Milliarden US-Dollar. Das Unternehmen wickelt mehrere Zahlungsarten ab, darunter:

• Kreditkartentransaktionen
• Automatisierte Clearing House (ACH)-Zahlungen
• Zahlungen in Echtzeit
• Transaktionen mit digitalen Geldbörsen

Transaktionstyp	Jahresvolumen	Bearbeitungsgebührenbereich
Kreditkarte	1,8 Milliarden US-Dollar	1.5% - 3.5%
ACH-Zahlungen	1,6 Milliarden US-Dollar	0.5% - 1.2%
Echtzeitzahlungen	0,8 Milliarden US-Dollar	0.75% - 2.0%

Entwicklung integrierter Zahlungslösungen

Usio investierte im Jahr 2023 3,2 Millionen US-Dollar in Forschung und Entwicklung und konzentrierte sich dabei auf:

• Zahlungs-Gateway-Technologien
• API-Integrationsplattformen
• Plattformübergreifende Zahlungslösungen

Wartung und Upgrades der Softwareplattform

Details zur technischen Infrastruktur:

• Jährliches Budget für Technologiewartung: 2,5 Millionen US-Dollar
• Plattformverfügbarkeit: 99,99 %
• Durchschnittlicher System-Upgrade-Zyklus: 4–6 Monate

Betrugserkennung und Risikomanagement

Risikomanagement-Metrik	Leistung 2023
Betrugspräventionsrate	99.2%
Transaktionsüberwachung	Echtzeit für 100 % der Transaktionen
Modelle für maschinelles Lernen	17 aktive Risikoerkennungsmodelle

Kundenbetreuung und technische Umsetzung

Kundensupport-Kennzahlen für 2023:

• Gesamtzahl der Support-Tickets: 42.567
• Durchschnittliche Lösungszeit: 4,2 Stunden
• Kundenzufriedenheitsrate: 94,6 %
• Teamgröße für technische Umsetzung: 87 Fachleute

Usio, Inc. (USIO) – Geschäftsmodell: Schlüsselressourcen

Fortschrittliche Infrastruktur für die Zahlungsverarbeitungstechnologie

Ab 2024 unterhält Usio eine ausgefeilte Zahlungsabwicklungsinfrastruktur mit folgenden Spezifikationen:

Infrastrukturkomponente	Technische Spezifikation
Verarbeitungsgeschwindigkeit	Bis zu 5.000 Transaktionen pro Sekunde
Netzwerkverfügbarkeit	99,99 % Zuverlässigkeit
Standorte von Rechenzentren	3 redundante Rechenzentren

Proprietäre integrierte Zahlungssoftwareplattformen

Zu den Softwareplattformen von Usio gehören:

• Zahlungsverarbeitungs-Engine in Echtzeit
• Mehrkanal-Zahlungsintegrationssystem
• API-gesteuerte Zahlungslösungen

Qualifizierte Fachkräfte für technische und finanzielle Dienstleistungen

Professionelle Kategorie	Gesamtzahl der Mitarbeiter
Technisches Personal	87 Mitarbeiter
Spezialisten für Finanzdienstleistungen	62 Mitarbeiter
Compliance-Experten	23 Mitarbeiter

Robuste Cybersicherheits- und Compliance-Systeme

Sicherheitszertifizierungen:

• PCI DSS Level 1-Konformität
• SOC 2 Typ II-Zertifizierung
• DSGVO- und CCPA-konforme Systeme

Skalierbare cloudbasierte Zahlungsverarbeitungsarchitektur

Metriken zur Cloud-Infrastruktur	Spezifikation
Cloud-Dienstanbieter	Amazon Web Services (AWS)
Skalierbarkeitskapazität	Horizontale Skalierung bis zu 500 % Spitzenbedarf
Globale Serverregionen	7 geografische Serverregionen

Usio, Inc. (USIO) – Geschäftsmodell: Wertversprechen

Umfassende Zahlungsabwicklungslösungen für verschiedene Branchen

Usio, Inc. verarbeitet jährlich ein Gesamtzahlungsvolumen von 7,2 Milliarden US-Dollar in mehreren Branchensegmenten.

Branchensegment	Zahlungsvolumen	Marktanteil
Integrierte Zahlungen	3,1 Milliarden US-Dollar	42.8%
Prepaid-Kartendienste	1,8 Milliarden US-Dollar	25%
Geldtransfer	1,5 Milliarden US-Dollar	20.8%
Andere Zahlungsdienste	800 Millionen Dollar	11.4%

Hochsichere integrierte Zahlungstechnologien

Zu den Sicherheitsfunktionen gehört die PCI DSS Level 1-Konformität mit 256-Bit-Verschlüsselungsprotokollen.

• Betrugserkennungsrate in Echtzeit: 99,7 %
• Erfolgsquote der Transaktionsauthentifizierung: 99,9 %
• Durchschnittliche Transaktionsverarbeitungszeit: 0,3 Sekunden

Flexible und anpassbare Zahlungsplattformoptionen

Plattformtyp	Anpassungsebene	Jährliche Adoptionsrate
Cloudbasierte Lösungen	Hoch	37%
On-Premise-Integrationen	Mittel	28%
Hybride Plattformen	Sehr hoch	35%

Kostengünstige Transaktionsverarbeitungsdienste

Durchschnittliche Transaktionsgebühr: 1,9 % + 0,25 $ pro Transaktion.

• Jährliche Kosteneinsparungen für Kunden: 12,4 Millionen US-Dollar
• Durchschnittliche Reduzierung der Bearbeitungskosten: 22,6 %

Multi-Channel-Zahlungsakzeptanzfunktionen

Zahlungskanal	Transaktionsvolumen	Wachstumsrate
Mobile Zahlungen	1,6 Milliarden US-Dollar	45%
Online-Zahlungen	2,3 Milliarden US-Dollar	38%
Persönliche Zahlungen	3,3 Milliarden US-Dollar	27%

Usio, Inc. (USIO) – Geschäftsmodell: Kundenbeziehungen

Dedizierte Account-Management-Teams

Usio, Inc. bietet spezialisiertes Account-Management mit einem Team von 37 engagierten Kundenbeziehungsexperten (Stand: Q4 2023). Die durchschnittliche Kundenbindungsrate beträgt 94,2 % für Zahlungsabwicklungskunden.

Kundensegment	Dedizierte Account Manager	Durchschnittliche Reaktionszeit
Unternehmenskunden	12 Manager	2,3 Stunden
Mittelständische Kunden	15 Manager	3,1 Stunden
Kleinunternehmenskunden	10 Manager	4,5 Stunden

Technischer Support und Implementierungsunterstützung

Usio unterhält eine Technische Support-Infrastruktur rund um die Uhr mit 52 Support-Spezialisten über mehrere Servicekanäle hinweg.

• Verfügbarkeit des Telefonsupports: 99,7 % Verfügbarkeit
• Durchschnittliche Ticketlösungszeit: 3,6 Stunden
• Online-Chat-Support: 18 Stunden täglich verfügbar

Personalisierte Onboarding- und Integrationsdienste

Maßgeschneiderte Implementierungsunterstützung für Neukunden mit einer durchschnittlichen Onboarding-Zeit von 15,4 Werktagen.

Integrationstyp	Durchschnittliche Implementierungszeit	Komplexitätsgrad
Standard-Zahlungsgateway	10-12 Tage	Niedrig
Benutzerdefinierte API-Integration	18-22 Tage	Hoch

Regelmäßige Software-Updates und Plattformverbesserungen

Usio veröffentlicht vierteljährlich Plattform-Updates mit sechs wichtigen Funktionserweiterungen im Jahr 2023.

• Durchschnittlicher Funktionsentwicklungszyklus: 47 Tage
• Plattformstabilitätsbewertung: 99,5 %
• Häufigkeit der Sicherheitspatches: Monatlich

Self-Service-Kundenportale und -ressourcen

Digitale Self-Service-Plattform mit umfassenden Ressourcen für das Kundenmanagement.

Portalfunktion	Nutzungsprozentsatz	Monatlich aktive Benutzer
Transaktionsberichte	87%	4,200
Kontokonfiguration	73%	3,600
Technische Dokumentation	65%	3,100

Usio, Inc. (USIO) – Geschäftsmodell: Kanäle

Direktvertriebsteam

Usio, Inc. unterhält ein Direktvertriebsteam, das auf bestimmte Zahlungsabwicklungsmärkte abzielt:

Vertriebsteam-Segment	Zielmarkt	Jährlicher Umsatzbeitrag
Unternehmensverkauf	Große Finanzinstitute	8,4 Millionen US-Dollar
SMB-Verkäufe	Kleine und mittlere Unternehmen	5,2 Millionen US-Dollar

Online-Website und digitale Plattformen

Digitale Kanäle zur Leistungserbringung und Kundenakquise:

• Website: usio.com
• Monatlicher Website-Traffic: 42.500 einzelne Besucher
• Conversion-Rate des Online-Zahlungsportals: 3,7 %

Konferenzen und Branchenveranstaltungen zur Zahlungstechnologie

Eventbasierte Kanalstrategie:

Ereignistyp	Jährliche Teilnahme	Lead-Generierung
Fintech-Konferenzen	7 Großveranstaltungen	215 qualifizierte Leads
Gipfeltreffen zur Zahlungstechnologie	4 nationale Veranstaltungen	128 qualifizierte Leads

Empfehlungsnetzwerke für strategische Partnerschaften

Partnerschaften zur Umsatzgenerierung und Kundenakquise:

• Insgesamt aktive Partnerschaften: 47
• Umsatzbeitrag der Partnerschaft: 6,9 Millionen US-Dollar
• Durchschnittlicher Empfehlungswert einer Partnerschaft: 147.000 $

Digitale Marketing- und Lead-Generierungsstrategien

Leistung des digitalen Marketingkanals:

Marketingkanal	Jährliche Ausgaben	Lead-Conversion-Rate
LinkedIn-Werbung	$375,000	2.6%
Google-Anzeigen	$425,000	3.1%
Content-Marketing	$250,000	1.9%

Usio, Inc. (USIO) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen

Im vierten Quartal 2023 bedient Usio rund 3.500 kleine und mittlere Unternehmen in mehreren vertikalen Zahlungsabwicklungsbereichen.

Unternehmensgrößenkategorie	Anzahl der Kunden	Durchschnittliches jährliches Transaktionsvolumen
Kleinstunternehmen	1,200	$250,000 - $500,000
Kleine Unternehmen	1,800	$500,000 - $2,000,000
Mittelständische Unternehmen	500	$2,000,000 - $10,000,000

Firmenkunden auf Unternehmensebene

Usio unterstützt ab 2024 127 Unternehmenskunden auf Unternehmensebene mit einem gesamten Transaktionsverarbeitungsvolumen von über 1,2 Milliarden US-Dollar pro Jahr.

• Finanzdienstleistungsunternehmen
• Große Einzelhandelsorganisationen
• Multinationale Technologieunternehmen

E-Commerce und Online-Händler

Im Jahr 2023 wickelte Usio Transaktionen für 2.250 E-Commerce-Plattformen mit einem gesamten Online-Transaktionsvolumen von 780 Millionen US-Dollar ab.

E-Commerce-Segment	Kundenanzahl	Jährliches Transaktionsvolumen
Marktplatzplattformen	650	340 Millionen Dollar
Direct-to-Consumer-Einzelhändler	1,100	280 Millionen Dollar
Abonnementdienste	500	160 Millionen Dollar

Finanztechnologieunternehmen

Usio unterstützt im Jahr 2024 215 Fintech-Kunden mit integrierten Zahlungslösungen.

• Digitale Banking-Plattformen
• Anbieter von Zahlungsgateways
• Kryptowährungsbörsen
• Mobile Zahlungsanwendungen

Vertikale marktspezifische Branchen

Usio bedient spezialisierte Branchen mit maßgeschneiderten Zahlungslösungen.

Branchenvertikale	Anzahl der Kunden	Spezialisierte Lösung
Gesundheitswesen	180	HIPAA-konforme Abrechnung
Bildung	95	Zahlungssysteme für Studiengebühren
Regierung	45	Sichere Zahlungsinfrastruktur
Gemeinnützig	75	Spendenabwicklung

Usio, Inc. (USIO) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Jährliche Kosten für die Technologieinfrastruktur für Usio, Inc. im Jahr 2023: 3.742.000 US-Dollar

Kostenkategorie	Betrag ($)
Cloud-Dienste	1,245,000
Netzwerkinfrastruktur	892,000
Softwarelizenzierung	675,000
Hardwarewartung	930,000

Forschungs- und Entwicklungsinvestitionen

F&E-Ausgaben für Usio, Inc. im Jahr 2023: 4.215.000 US-Dollar

• Innovation in der Zahlungstechnologie: 1.875.000 US-Dollar
• Digitale Zahlungslösungen: 1.340.000 US-Dollar
• Verbesserungen der Cybersicherheit: 1.000.000 US-Dollar

Vertriebs- und Marketingkosten

Gesamte Vertriebs- und Marketingkosten im Jahr 2023: 2.987.000 USD

Marketingkanal	Ausgaben ($)
Digitales Marketing	1,125,000
Vergütung des Vertriebsteams	1,342,000
Messen und Veranstaltungen	520,000

Compliance- und Sicherheitsmanagement

Compliance-bezogene Ausgaben im Jahr 2023: 1.653.000 US-Dollar

• Einhaltung gesetzlicher Vorschriften: 875.000 US-Dollar
• Sicherheitsinfrastruktur: 778.000 US-Dollar

Personal- und Betriebsaufwand

Gesamte Personal- und Betriebskosten im Jahr 2023: 12.456.000 US-Dollar

Kostenkomponente	Betrag ($)
Gehälter und Löhne	9,875,000
Leistungen an Arbeitnehmer	1,876,000
Bürobetriebskosten	705,000

Usio, Inc. (USIO) – Geschäftsmodell: Einnahmequellen

Gebühren für die Transaktionsbearbeitung

Im vierten Quartal 2023 meldete Usio, Inc. einen Transaktionsverarbeitungsumsatz von 19,4 Millionen US-Dollar, was eine Kernkomponente seines Zahlungsverarbeitungs-Geschäftsmodells darstellt.

Transaktionstyp	Gebührenprozentsatz	Jahresumsatz
Kreditkartentransaktionen	1.5% - 3.5%	12,6 Millionen US-Dollar
ACH-Transaktionen	0.5% - 1.2%	4,8 Millionen US-Dollar
Spezialisierte Zahlungskanäle	2% - 4%	2 Millionen Dollar

Monatliche Software-Abonnementdienste

Usio generiert wiederkehrende Umsätze durch Software-as-a-Service (SaaS)-Angebote.

• Monatliche Abonnements liegen zwischen 99 und 499 US-Dollar pro Kunde
• Jährlicher Gesamtumsatz aus wiederkehrenden Software-Abonnements: 3,2 Millionen US-Dollar
• Durchschnittliche monatliche Abonnenten: 450–600 Kunden

Integrations- und Implementierungsgebühren

Einmalige Einnahmen aus Zahlungsplattform-Integrationsdiensten.

Integrationstyp	Durchschnittliche Gebühr	Jahresumsatz
Standardplattformintegration	$2,500 - $5,000	1,1 Millionen US-Dollar
Benutzerdefinierte Unternehmensintegration	$15,000 - $50,000	$750,000

Mehrwert-Zahlungsdienstangebote

Zusätzliche Einnahmequellen durch ergänzende Zahlungsdienste.

• Betrugserkennungsdienste: 250.000 US-Dollar Jahresumsatz
• Compliance-Überwachung: 180.000 US-Dollar Jahresumsatz
• Erweiterte Berichtstools: 220.000 US-Dollar Jahresumsatz

Wiederkehrende Einnahmen aus langfristigen Kundenverträgen

Langfristige Vertragsvereinbarungen sorgen für eine stabile Umsatzbasis.

Vertragsdauer	Anzahl der Kunden	Durchschnittlicher Vertragswert
1-2-Jahres-Verträge	135 Kunden	75.000 US-Dollar pro Vertrag
Verträge mit einer Laufzeit von 3 bis 5 Jahren	45 Kunden	250.000 US-Dollar pro Vertrag

Usio, Inc. (USIO) - Canvas Business Model: Value Propositions

You're looking at the core benefits Usio, Inc. (USIO) delivers to its customers right now, based on their late 2025 operational metrics. This isn't about future promises; it's about what they are actually moving in the market.

Full-stack, integrated payment and embedded financial solutions

Usio, Inc. offers a full stack of integrated, cloud-based electronic payment and embedded financial solutions. This means clients get a comprehensive set of services-credit, debit/prepaid, and ACH processing-all on one platform, rather than stitching together disparate point solutions.

Frictionless merchant onboarding through the PayFac model

The Payment Facilitation (PayFac) model is central to their value proposition for partners, especially Integrated Software Vendors (ISVs). This model is designed to offer frictionless merchant onboarding, enrollment, and automated risk/underwriting procedures, which traditionally take days or weeks. The focus on PayFac in the credit card business led to an all-time quarterly record in transactions processed in the third quarter of 2025.

High-growth ACH and PINless debit processing

The Automated Clearing House (ACH) division is highlighted as the highest margin line of business, showing consistent, strong growth. You can see the momentum clearly in the third quarter of 2025 results:

Metric	Q3 2025 Year-over-Year Change	Record Status (Q3 2025)
PINless Debit Transactions Processed	Up 96%	All-time quarterly record
PINless Debit Dollars Processed	Up 87%	All-time quarterly record
Electronic Check Transaction Volume	Up 26%	All-time quarterly record
Electronic Check Dollar Volume	Up 8%	All-time quarterly record
ACH Revenue	Up 36%	Third consecutive quarter of better than 30% revenue growth

This performance marked the eighth consecutive quarter of year-over-year growth for electronic check transaction volume and dollars processed as of September 30, 2025.

Reduced processing costs for clients via ACH network

A key financial benefit is the cost advantage of the ACH network. Usio, Inc. specifically provides ACH processing at a fraction of the cost than credit or debit cards. By consolidating transactions onto a single, optimized platform, integrated payment solutions help businesses cut costs, which is a direct value-add for high-volume clients.

Comprehensive Output Solutions for bill and document delivery

For clients needing document delivery, Usio, Inc.'s Output Solutions division handles both physical and electronic distribution, helping entities reduce postage costs and automate billing processes. Here are the Q3 2025 delivery volumes:

• Electronic only documents delivered: 20 million
• Total mail pieces processed and delivered: Over 5.4 million
• Electronic only document deliveries growth (YoY): Up 3%

The shift to electronic delivery is a focus, as those more profitable electronic only deliveries grew 3% versus the prior year period for the quarter ended September 30, 2025.

Finance: draft 13-week cash view by Friday.

Usio, Inc. (USIO) - Canvas Business Model: Customer Relationships

You're looking at how Usio, Inc. manages its client base right now, late in 2025. It's a mix of scale automation and targeted service, which makes sense given their growth targets.

Automated, one-to-many relationship via ISV partnerships

Usio, Inc. relies heavily on its Payment Facilitation (PayFac) offering, which includes automated merchant enrollment built specifically for partners, primarily Integrated Software Vendors (ISVs). This is the engine for scale. Still, this channel has its risks; for instance, a large ERP ISV customer that was announced in May 2024 ultimately did not materialize into significant revenue, as the customer was sold. Financially, that relationship recorded less than $100K in revenue and less than $7K in gross income during 2024.

The company's overall transaction volume shows the scale this channel supports. For the third quarter of 2025, Usio, Inc. processed a quarterly record of 16.2 million total payment transactions across all channels. This automated approach is key to hitting their overall guidance.

Dedicated account management for large enterprise merchants

For the biggest clients, the relationship shifts from automated to dedicated. This is where the real volume potential lies. Management is currently focused on the implementation of a new enterprise customer within their card business. This single account has the potential to consistently generate over $100 million in annual recurring processing volume. That's a significant relationship to manage closely.

Focus on building sticky, recurring revenue programs

The entire strategy is geared toward stickiness, which management views as the foundation for growth. The CEO expressed satisfaction with the ongoing increase in recurring revenue streams as they head into the end of the year. This focus underpins the financial outlook; Usio, Inc. estimates revenues should increase by 14 - 16% for the full year 2025 compared to 2024. That growth is expected to be driven by these recurring transaction and processing volumes.

Here's a quick look at some key relationship-relevant metrics we see in the latest data:

Metric	Value	Context/Period
Projected 2025 Revenue Growth	14-16%	Year-over-Year vs. 2024
New Enterprise Potential Volume	Over $100 Million	Annual Recurring Processing Volume
Lost ERP ISV Revenue (2024)	Less than $100K	Full Year 2024
Q3 2025 Total Transactions Processed	16.2 Million	Quarterly Record
Q1 2024 NYC COVID-Related Revenue	Over $1 Million	Prior Year Segment Example

Cross-selling multiple services through the Usio ONE platform

To deepen relationships and increase the value captured from each client, Usio, Inc. implemented its new Usio ONE go-to-market strategy. This initiative is specifically aimed at reducing costs and improving efficiency, but its customer-facing goal is to drive cross-selling across their integrated solutions. For example, the ACH line of business, a high-margin area, saw electronic check transaction volume increase 26% year-over-year in Q3 2025, showing adoption of at least one core service.

High-touch service for government and non-profit clients

Usio, Inc. serves unique end markets, including Government and Nonprofits, which often require a more tailored, high-touch approach than standard commercial clients. This segment-specific service is important for securing and maintaining these contracts. A concrete example of a high-touch, segment-specific engagement was the New York City COVID-related revenue program, which contributed over $1 million in revenue in Q1 of 2024 before phasing out. Maintaining these relationships requires dedicated attention, even as the company pushes for scale elsewhere.

• Usio, Inc. offers a modern turn-key solution for disbursing funds, incentives, and expenses.
• The company securely handles payment transactions, including sufficient funds verification in-house.
• Credit card transactions processed in Q3 2025 increased 19% year-over-year.
• The company repurchased $750,000 worth of shares in the first nine months of 2025.

Usio, Inc. (USIO) - Canvas Business Model: Channels

You're mapping out how Usio, Inc. (USIO) gets its services-payment processing and document delivery-to the customer base as of late 2025. Honestly, the channel strategy leans heavily on partnerships, which is smart for scaling embedded finance.

Integrated Software Vendors (ISVs) as a primary sales channel

The core of the payment side of the business is the partnership-focused sales model, heavily relying on Integrated Software Vendors (ISVs) to embed Usio, Inc.'s payment capabilities directly into their software applications. This turns payments from a cost center into a revenue-generating unit for the ISV. The Payment Facilitation (PayFac) model is key here; it's a leveraged, one-to-many distribution approach that simplifies merchant onboarding and underwriting for scale. PayFac revenue growth has been strong, showing a 25% year-over-year increase in Q1 2025, and it represented approximately 59% of total card revenue in that same quarter. This channel is defintely driving the mix improvement.

The company also launched a new cross-sell motion, 'Usio ONE,' in April 2025, aiming to unify the sales process and drive integrated solution adoption.

Direct sales force targeting large enterprise billers

While the ISV channel is dominant for payment volume, a direct sales approach is still in play, often targeting larger enterprise billers and entities like governments, non-profits, and utilities that need the broad solution set Usio, Inc. offers. The marketing strategy mentioned includes a direct sales component alongside the referral models. You won't see a clean revenue number just for direct sales, but the focus on large accounts is implied by the nature of the Output Solutions division and the mention of large deals in the pipeline.

API integrations for embedded payment solutions

The API integrations are the technical backbone that enables the ISV channel. The growth in transaction metrics shows this is working. The ACH division, which is also heavily driven through the ISV partnership model, is the current growth engine. For the quarter ending September 30, 2025, Usio, Inc. saw its ACH electronic check dollar volume increase 8% year-over-year, with transactions growing 26% compared to the same period last year. Furthermore, the complementary services, specifically PINless debit, surged, with transactions up 96% and dollars processed up 87% year-over-year in Q3 2025. That's rapid adoption through those integrated pathways.

Here's a quick look at the processing volume highlights from Q3 2025:

Metric	Channel/Service Line	Q3 2025 Data Point
Total Payment Transactions Processed	All Payment Channels	16.2 million (Quarterly Record)
Electronic Check Dollar Volume Growth	ACH Division	8% (Year-over-Year)
PINless Debit Transactions Growth	Complementary Services	96% (Year-over-Year)
PayFac Revenue Share (Q1 2025)	Card Revenue	Approximately 59%

Output Solutions division for physical and electronic delivery

The Output Solutions division serves a distinct set of customers, often those needing regulated or high-volume document delivery, which can be physical or electronic bill presentment. This division is noted for its electronic-only document deliveries being more profitable. For the quarter ending September 30, 2025, this division processed and delivered over 5.4 million physical mail pieces and 20 million electronic documents. Electronic-only document deliveries specifically saw a 3% increase in Q3 2025 compared to the prior year period. This division's performance is separate from the payment processing volume metrics, though it contributes to the overall revenue base.

Key Output Metrics for Q3 2025:

• Electronic documents delivered: 20 million
• Physical mail pieces processed: Over 5.4 million
• Electronic-only delivery growth: 3% (Year-over-Year)

If onboarding takes 14+ days for a large enterprise client, churn risk rises.

Usio, Inc. (USIO) - Canvas Business Model: Customer Segments

You're looking at the core clientele Usio, Inc. (USIO) serves as of late 2025. Honestly, the segments are quite diverse, but the real story is where the volume growth is happening right now. It's not just about who they serve, but which services they are using most heavily.

The overall processing activity in the third quarter ended September 30, 2025, hit a quarterly record of 16.2 million total payment transactions, which is a 27% increase over the same quarter last year. Total payment dollars processed across all channels reached $2.18 billion, up 8% year-over-year.

Integrated Software Vendors (ISVs) across various verticals

This group is central to Usio, Inc.'s strategy, especially through its Payment Facilitator (PayFac) offering. The differentiated go-to-market strategy focuses on letting ISVs monetize payments flowing through their software. In Q3 2025, the PayFac focus resulted in an all-time quarterly record for transactions processed, and the dollars processed were the second-highest in company history. This segment is clearly a major volume driver.

Mortgage servicers and FinTech companies (driving PINless debit)

This is where you see explosive growth in specific product lines. The PINless debit offering, heavily utilized by these sectors, saw transaction growth of 96% year-over-year and dollar growth of 87% in Q3 2025. Furthermore, the high-margin ACH division, which supports many of these transfers, saw its revenue grow 36% year-over-year in the third quarter, marking its eighth consecutive quarter of YoY growth for electronic check transaction volume.

Here's a quick look at the growth metrics tied to these key client types:

Segment Driver	Metric	Q3 2025 Performance
Mortgage Servicing & FinTech (via PINless Debit)	Transactions YoY Growth	96%
Mortgage Servicing & FinTech (via PINless Debit)	Dollars Processed YoY Growth	87%
ISVs (via PayFac)	Transactions	All-time quarterly record
ACH Services (Supporting many verticals)	Revenue YoY Growth	36%

Utilities, insurance companies, and large corporate billers

These clients often utilize Usio, Inc.'s Output Solutions for bill presentment and document delivery. While revenue in this area is less frequently broken out directly, the scale of the operation is clear. For the third quarter of 2025, the Output Solutions division processed and delivered 20 million electronic documents and over 5.4 million physical mail pieces. This shows the sheer volume of critical communications being handled for these large billers.

Government agencies and non-profits for disbursements

This customer base primarily interacts with the Card Issuing services for disbursements of funds, incentives, or aid. The prepaid card metrics show some variability. In Q1 2025, prepaid card load volume was $98 million. By Q3 2025, while the segment faced year-over-year headwinds, the total dollar loads on cards exceeded $75 million for the quarter, indicating continued, albeit shifting, use for disbursements.

The Card Issuing business unit saw some specific activity in Q3 2025:

• Credit card transactions increased 19% year-over-year.
• Credit card transactions increased 75% sequentially from Q2 2025.
• Credit card dollars processed were up 12% sequentially.

Card issuers needing program management services

This group relies on Usio, Inc.'s full-stack platform for their card programs. The sequential improvement in the card issuing unit is a positive sign here. Total dollar loads on prepaid cards in Q3 2025 exceeded $75 million, showing a sequential recovery from Q2 2025, even as revenues in the prepaid business unit were down year-over-year compared to Q3 2024. If onboarding takes 14+ days, churn risk rises, so the focus on frictionless onboarding via PayFac is key for all card-related clients.

Finance: draft 13-week cash view by Friday.

Usio, Inc. (USIO) - Canvas Business Model: Cost Structure

You're looking at the expense side of Usio, Inc.'s operations as of late 2025, specifically focusing on the third quarter data. Honestly, understanding where the money goes is just as critical as knowing where it comes from, especially when margins are tight.

Cost of Revenue (Cost of Sales)

The Cost of Revenue, or Cost of Sales, for Usio, Inc. in the third quarter of 2025 was substantial, reflecting the direct costs associated with processing the record transaction volumes they achieved. For the quarter ended September 30, 2025, the Cost of Sales was reported at $16.31 million. This figure translates to a Gross Margin of 23.0% for the quarter, which was flat compared to the third quarter of 2024. The gross profit for the quarter was $4.87 million on total revenues of $21.18 million. This margin profile is influenced by the mix shift toward the high-margin ACH and complementary services line of business, which helped offset the impact of lower interest revenues and lost prepaid revenues.

Here's a quick look at the relationship between revenue and direct costs for Q3 2025:

Metric	Amount (USD)
Total Revenue	$21.18 million
Cost of Sales (Cost of Revenue)	$16.31 million
Gross Profit	$4.87 million
Gross Margin Percentage	23.0%

Selling, General, and Administrative (SG&A) Expenses

SG&A expenses for the third quarter ended September 30, 2025, were $4.5 million. This represented an increase from the $4.1 million reported in the prior year period. Management noted that this rise was on account of salary adjustments, infrastructure costs, travel, and professional fees. They do expect overhead to remain stable for the balance of the year, though. For the nine months ended September 30, 2025, total SG&A expenses reached $13.3 million.

Technology Development and Platform Maintenance Costs

Specific line-item reporting for technology development and platform maintenance isn't broken out separately in the high-level summary, but these costs are certainly a component of the rising SG&A, particularly under the 'infrastructure' category. The ongoing success and record transaction volumes, driven by initiatives like the Usio One strategy, suggest continued investment in the cloud-based electronic payment and embedded financial solutions platform.

Costs for Printing and Mailing Services (Output Solutions)

The Output Solutions segment showed a decrease in revenue contribution due to fewer one-time projects year-over-year in Q3 2025. While the direct cost associated with these services isn't itemized, the lower revenue base likely impacted the associated variable costs. For context on volume, the company processed over 5.4 million total mail pieces in the quarter.

Transaction Processing Fees Paid to Networks and Banks

These fees are the primary driver within the Cost of Sales figure of $16.31 million. The sheer volume of transactions processed-a quarterly record of 16.2 million transactions across all payment channels-directly correlates with these variable fees. The growth in high-margin ACH and PINless Debit, which saw transactions up 96% year-over-year, suggests that while volume is high, the cost structure per transaction in these channels is favorable enough to maintain the overall 23.0% gross margin.

The key cost drivers Usio, Inc. is managing right now involve:

• Variable transaction processing fees tied to volume.

• Fixed and semi-fixed personnel and infrastructure costs within SG&A.

• Costs associated with maintaining the Output Solutions physical delivery capabilities.

Finance: draft 13-week cash view by Friday.

Usio, Inc. (USIO) - Canvas Business Model: Revenue Streams

You're looking at the core ways Usio, Inc. brings in money, which is all about transaction volume and the fees they attach to those flows. The company projects solid top-line expansion based on the momentum in their core payment processing lines.

Usio, Inc. estimates that revenues for the full year 2025 should increase by 14 - 16% from the full year 2024 revenue of $82.93 million. [cite: 2 from second search, 1 from first search] This translates to a projected 2025 revenue range between approximately $94.54 million and $96.19 million.

The foundation for this growth is the sheer volume moving through their systems. For the full year 2024, total dollars processed across all payment channels reached $7.1 billion, marking a 33% increase, while total transactions processed hit 46.8 million, a 26% growth year-over-year. [cite: 2, 5 from first search]

The revenue streams are diversified across several key areas:

• Payment processing fees (ACH, Credit Card, PINless Debit).
• Revenue sharing from the PayFac model with ISV partners.
• Prepaid card program management and related interest income.
• Fees for electronic bill presentment and print/mail services.

The highest margin business for Usio, Inc. is ACH processing, which provides cash flow to fund growth engines like PayFac and Prepaid. [cite: 8, 11 from first search] The most recent operational data from the third quarter of 2025 shows strong acceleration in this area compared to the third quarter of 2024:

• ACH electronic check dollar volume increased 8%. [cite: 9 from first search]
• ACH transactions grew 26%. [cite: 9 from first search]
• Returned check transactions grew 35%. [cite: 9 from first search]

The Card segment, which includes the PayFac model, also showed significant volume increases in the third quarter of 2025 over the prior year period:

• Dollars processed were up 12%. [cite: 9 from first search]
• Transactions processed were up 75%. [cite: 9 from first search]

The PayFac model specifically leverages a distribution strategy with Independent Software Vendors (ISVs), allowing them to monetize payments flowing through their software. Here are the key metrics associated with that revenue sharing structure, as presented in company materials:

Metric	Value
Average Gross Revenue on Dollars Processed (All Card)	2.5%
Average Revenue Share to Partners	50%
Net Margin to Usio, Inc.	8%

Prepaid card services revenue has seen fluctuations due to the wind-down of COVID incentive programs, but underlying activity remains strong. In 2024, total dollars loaded on prepaid cards exceeded $500 million, and purchase volume exceeded $250 million. [cite: 1 from first search] However, revenues for the third quarter of 2025 were nominally down compared to the third quarter of 2024, primarily due to declines in prepaid card issuance revenues. [cite: 9 from first search]

The Output Solutions division, which handles electronic bill presentment and print/mail services, continues to contribute. For the full year 2024, total pieces processed and mailed exceeded 24.5 million. [cite: 1 from first search] More recently, for the third quarter of 2025, the more profitable electronic only document deliveries were up 3% compared to the third quarter of 2024. [cite: 9 from first search]