USIO, Inc. (USIO): Modelo de negócios Canvas [Jan-2025 Atualizado]

No mundo dinâmico da tecnologia financeira, a USIO, Inc. (USIO) surge como uma potência de soluções de pagamento inovadoras, transformando como as empresas processam transações em diversas indústrias. Ao alavancar tecnologias de pagamento integrado de ponta e uma infraestrutura robusta e escalável, a USIO oferece serviços de processamento de pagamentos abrangentes, seguros e flexíveis que atendem às necessidades em evolução de pequenas empresas, clientes corporativos e plataformas de comércio eletrônico. Seu modelo de modelo de negócios exclusivo revela uma abordagem estratégica que combina recursos tecnológicos avançados, suporte abrangente ao cliente e um ecossistema de pagamento multicanal projetado para impulsionar a eficiência e o crescimento de seus clientes.

USIO, Inc. (USIO) - Modelo de negócios: parcerias -chave

Processadores de pagamento e redes financeiras

A USIO, Inc. faz parceria com os seguintes processadores de pagamento e redes financeiras:

Parceiro	Detalhes da parceria	Volume da transação (2023)
Visa	Integração da rede de pagamento	US $ 87,4 milhões
MasterCard	Serviços de processamento de cartões	US $ 62,9 milhões
Rede ACH	Transferências de fundos eletrônicos	US $ 45,3 milhões

Instituições bancárias e empresas de cartão de crédito

As principais parcerias bancárias e de cartão de crédito incluem:

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

Provedores de tecnologia de solução de pagamento integrado

Provedor de tecnologia	Escopo de integração	Valor anual de colaboração
Listra	Soluções de gateway de pagamento	US $ 22,1 milhões
PayPal	Plataformas de pagamento online	US $ 18,7 milhões
Quadrado	Tecnologias de pagamento móvel	US $ 15,3 milhões

Desenvolvedores de software e plataformas corporativas

Parcerias de tecnologia estratégica:

• Microsoft Dynamics
• Salesforce
• Oracle Netsuite
• SEIVA

Parceiros de conformidade e tecnologia de segurança

Parceiro de segurança	Função primária	Investimento anual
Cybersource	Prevenção de fraudes	US $ 5,6 milhões
Trustwave	Conformidade do PCI DSS	US $ 3,2 milhões
Imperva	Proteção de segurança cibernética	US $ 4,1 milhões

USIO, Inc. (USIO) - Modelo de negócios: atividades -chave

Processamento de pagamento e gerenciamento de transações

A USIO processou US $ 4,2 bilhões em volume total de pagamento no ano fiscal de 2023. A empresa lida com vários tipos de pagamento, incluindo:

• Transações com cartão de crédito
• Pagamentos automatizados de compensação (ACH)
• Pagamentos em tempo real
• Transações da carteira digital

Tipo de transação	Volume anual	Intervalo de taxas de processamento
Cartão de crédito	US $ 1,8 bilhão	1.5% - 3.5%
Pagamentos ACH	US $ 1,6 bilhão	0.5% - 1.2%
Pagamentos em tempo real	US $ 0,8 bilhão	0.75% - 2.0%

Desenvolvimento de solução de pagamento integrado

A USIO investiu US $ 3,2 milhões em pesquisa e desenvolvimento durante 2023, com foco em:

• Tecnologias de gateway de pagamento
• Plataformas de integração da API
• Soluções de pagamento de plataforma cruzada

Manutenção e atualizações da plataforma de software

Detalhes da infraestrutura técnica:

• Orçamento anual de manutenção de tecnologia: US $ 2,5 milhões
• Tempo de atividade da plataforma: 99,99%
• Ciclo médio de atualização do sistema: 4-6 meses

Detecção de fraude e gerenciamento de riscos

Métrica de gerenciamento de riscos	2023 desempenho
Taxa de prevenção de fraudes	99.2%
Monitoramento da transação	Em tempo real para 100% das transações
Modelos de aprendizado de máquina	17 modelos de detecção de risco ativos

Suporte ao cliente e implementação técnica

Métricas de suporte ao cliente para 2023:

• TOTAL DE APOIO TIMPOS: 42.567
• Tempo médio de resolução: 4,2 horas
• Taxa de satisfação do cliente: 94,6%
• Tamanho da equipe de implementação técnica: 87 profissionais

USIO, Inc. (USIO) - Modelo de negócios: Recursos -chave

Infraestrutura de tecnologia de processamento de pagamento avançado

A partir de 2024, a USIO mantém uma sofisticada infraestrutura de processamento de pagamento com as seguintes especificações:

Componente de infraestrutura	Especificação técnica
Velocidade de processamento	Até 5.000 transações por segundo
Tempo de atividade da rede	99,99% de confiabilidade
Locais de data center	3 data centers redundantes

Plataformas de software de pagamento integrado proprietárias

As plataformas de software da USIO incluem:

• Mecanismo de processamento de pagamento em tempo real
• Sistema de integração de pagamento multicanal
• Soluções de pagamento orientadas por API

Profissionais de Serviços Técnicos e Financeiros qualificados

Categoria profissional	Total de funcionários
Equipe técnica	87 funcionários
Especialistas em serviços financeiros	62 funcionários
Especialistas em conformidade	23 funcionários

Sistemas robustos de segurança cibernética e conformidade

Certificações de segurança:

• Conformidade PCI DSS Nível 1
• Certificação SoC 2 Tipo II
• Sistemas compatíveis com GDPR e CCPA

Arquitetura de processamento de pagamento baseado em nuvem escalável

Métricas de infraestrutura em nuvem	Especificação
Provedor de serviços em nuvem	Amazon Web Services (AWS)
Capacidade de escalabilidade	Escala horizontal até 500% de demanda de pico
Regiões de servidores globais	7 regiões de servidores geográficos

USIO, Inc. (USIO) - Modelo de negócios: proposições de valor

Soluções abrangentes de processamento de pagamentos para diversas indústrias

A USIO, Inc. processa US $ 7,2 bilhões em volume total de pagamento anualmente em vários segmentos do setor.

Segmento da indústria	Volume de pagamento	Quota de mercado
Pagamentos integrados	US $ 3,1 bilhões	42.8%
Serviços de cartão pré -pago	US $ 1,8 bilhão	25%
Transferência de dinheiro	US $ 1,5 bilhão	20.8%
Outros serviços de pagamento	US $ 800 milhões	11.4%

Tecnologias de pagamento integradas de alta segurança

Os recursos de segurança incluem a conformidade do PCI DSS Nível 1 com os protocolos de criptografia de 256 bits.

• Taxa de detecção de fraude em tempo real: 99,7%
• Taxa de sucesso da autenticação da transação: 99,9%
• Tempo médio de processamento da transação: 0,3 segundos

Opções de plataforma de pagamento flexíveis e personalizáveis

Tipo de plataforma	Nível de personalização	Taxa de adoção anual
Soluções baseadas em nuvem	Alto	37%
Integrações locais	Médio	28%
Plataformas híbridas	Muito alto	35%

Serviços de processamento de transações econômicas

Taxa média de transação: 1,9% + US $ 0,25 por transação.

• Economia anual de custos para clientes: US $ 12,4 milhões
• Redução média nas despesas de processamento: 22,6%

Recursos de aceitação de pagamento multicanal

Canal de pagamento	Volume de transação	Taxa de crescimento
Pagamentos móveis	US $ 1,6 bilhão	45%
Pagamentos online	US $ 2,3 bilhões	38%
Pagamentos pessoais	US $ 3,3 bilhões	27%

USIO, Inc. (USIO) - Modelo de negócios: relacionamentos com o cliente

Equipes de gerenciamento de contas dedicadas

A USIO, Inc. fornece ao gerenciamento de contas especializado com uma equipe de 37 profissionais dedicados ao relacionamento com clientes a partir do quarto trimestre 2023. A taxa média de retenção de clientes é de 94,2% para clientes de processamento de pagamentos.

Segmento de clientes	Gerentes de conta dedicados	Tempo médio de resposta
Clientes corporativos	12 gerentes	2,3 horas
Clientes do mercado intermediário	15 gerentes	3,1 horas
Clientes de pequenas empresas	10 gerentes	4,5 horas

Suporte técnico e assistência de implementação

USIO mantém um Infraestrutura de suporte técnico 24/7 com 52 especialistas em suporte em vários canais de serviço.

• Disponibilidade de suporte telefônico: 99,7% de tempo de atividade
• Tempo médio de resolução do ingresso: 3,6 horas
• Suporte de bate -papo on -line: disponível 18 horas por dia

Serviços personalizados de integração e integração

Suporte personalizado de implementação para novos clientes com um tempo médio de integração de 15,4 dias úteis.

Tipo de integração	Tempo médio de implementação	Nível de complexidade
Gateway de pagamento padrão	10-12 dias	Baixo
Integração de API personalizada	18-22 dias	Alto

Atualizações regulares de software e aprimoramentos de plataforma

A USIO libera a plataforma atualiza trimestralmente, com 6 principais aprimoramentos de recursos em 2023.

• Ciclo médio de desenvolvimento de recursos: 47 dias
• Classificação de estabilidade da plataforma: 99,5%
• Frequência do patch de segurança: mensalmente

Portais e recursos de clientes de autoatendimento

Plataforma de autoatendimento digital com recursos abrangentes para gerenciamento de clientes.

Recurso do portal	Porcentagem de uso	Usuários ativos mensais
Relatórios de transações	87%	4,200
Configuração da conta	73%	3,600
Documentação técnica	65%	3,100

USIO, Inc. (USIO) - Modelo de Negócios: Canais

Equipe de vendas diretas

A USIO, Inc. mantém uma equipe de vendas direta direcionada aos mercados específicos de processamento de pagamentos:

Segmento da equipe de vendas	Mercado -alvo	Contribuição anual da receita
Vendas corporativas	Grandes instituições financeiras	US $ 8,4 milhões
Vendas de SMB	Pequenas e médias empresas	US $ 5,2 milhões

Site online e plataformas digitais

Canais digitais para prestação de serviços e aquisição de clientes:

• Site: USIO.com
• Tráfego mensal do site: 42.500 visitantes únicos
• Taxa de conversão do portal de pagamento on -line: 3,7%

Conferências de tecnologia de pagamento e eventos do setor

Estratégia de canal baseada em eventos:

Tipo de evento	Participação anual	Geração de chumbo
Conferências de fintech	7 grandes eventos	215 leads qualificados
Cúpulas de tecnologia de pagamento	4 eventos nacionais	128 leads qualificados

Redes de referência de parceria estratégica

Parcerias que geram receita e aquisição de clientes:

• Total de parcerias ativas: 47
• Contribuição da receita da parceria: US $ 6,9 milhões
• Valor médio de referência de parceria: $ 147.000

Estratégias de marketing digital e geração de leads

Performance de canal de marketing digital:

Canal de marketing	Gasto anual	Taxa de conversão de chumbo
Publicidade do LinkedIn	$375,000	2.6%
Google anúncios	$425,000	3.1%
Marketing de conteúdo	$250,000	1.9%

USIO, Inc. (USIO) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a USIO atende a aproximadamente 3.500 empresas pequenas e médias em várias verticais de processamento de pagamentos.

Categoria de tamanho de negócios	Número de clientes	Volume médio de transação anual
Micro negócios	1,200	$250,000 - $500,000
Pequenas empresas	1,800	$500,000 - $2,000,000
Empresas médias	500	$2,000,000 - $10,000,000

Clientes corporativos em nível corporativo

A USIO suporta 127 clientes corporativos em nível corporativo em 2024, com volume total de processamento de transações superiores a US $ 1,2 bilhão anualmente.

• Corporações de serviços financeiros
• Grandes organizações de varejo
• Empresas de tecnologia multinacional

Comércio eletrônico e varejistas on-line

Em 2023, a USIO processou transações para 2.250 plataformas de comércio eletrônico com volume total de transações on-line de US $ 780 milhões.

Segmento de comércio eletrônico	Contagem de clientes	Volume anual de transações
Plataformas de mercado	650	US $ 340 milhões
Varejistas diretos ao consumidor	1,100	US $ 280 milhões
Serviços de assinatura	500	US $ 160 milhões

Empresas de tecnologia financeira

A USIO suporta 215 clientes da Fintech com soluções de pagamento integradas em 2024.

• Plataformas bancárias digitais
• Provedores de gateway de pagamento
• Trocas de criptomoedas
• Aplicativos de pagamento móvel

Indústrias específicas do mercado vertical

A USIO atende indústrias especializadas com soluções de pagamento personalizadas.

Indústria vertical	Número de clientes	Solução especializada
Assistência médica	180	Faturamento compatível com HIPAA
Educação	95	Sistemas de pagamento de mensalidades
Governo	45	Infraestrutura de pagamento segura
Organização sem fins lucrativos	75	Processamento de doações

USIO, Inc. (USIO) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Custos anuais de infraestrutura de tecnologia para a USIO, Inc. em 2023: US $ 3.742.000

Categoria de custo	Valor ($)
Serviços em nuvem	1,245,000
Infraestrutura de rede	892,000
Licenciamento de software	675,000
Manutenção de hardware	930,000

Investimentos de pesquisa e desenvolvimento

Despesas de P&D para USIO, Inc. em 2023: US $ 4.215.000

• Inovação em tecnologia de pagamento: US $ 1.875.000
• Soluções de pagamento digital: US $ 1.340.000
• Aprimoramentos de segurança cibernética: US $ 1.000.000

Despesas de vendas e marketing

Custos totais de vendas e marketing em 2023: US $ 2.987.000

Canal de marketing	Despesas ($)
Marketing digital	1,125,000
Compensação da equipe de vendas	1,342,000
Feira e eventos	520,000

Gestão de conformidade e segurança

Despesas relacionadas à conformidade em 2023: $ 1.653.000

• Conformidade regulatória: US $ 875.000
• Infraestrutura de segurança: US $ 778.000

Pessoal e sobrecarga operacional

Total de pessoal e custos operacionais em 2023: US $ 12.456.000

Componente de custo	Valor ($)
Salários e salários	9,875,000
Benefícios dos funcionários	1,876,000
Despesas operacionais do escritório	705,000

USIO, Inc. (USIO) - Modelo de negócios: fluxos de receita

Taxas de processamento de transações

A partir do quarto trimestre de 2023, a USIO, Inc. relatou receita de processamento de transações de US $ 19,4 milhões, representando um componente central de seu modelo de negócios de processamento de pagamento.

Tipo de transação	Porcentagem de taxa	Receita anual
Transações com cartão de crédito	1.5% - 3.5%	US $ 12,6 milhões
Transações ACH	0.5% - 1.2%	US $ 4,8 milhões
Canais de pagamento especializados	2% - 4%	US $ 2 milhões

Serviços mensais de assinatura de software

A USIO gera receita recorrente por meio de ofertas de software como serviço (SaaS).

• Camas mensais de assinatura: US $ 99 - US $ 499 por cliente
• Receita anual de assinatura de software recorrente anual: US $ 3,2 milhões
• Assinantes mensais médios: 450-600 clientes

Cobranças de integração e implementação

Receita única dos serviços de integração da plataforma de pagamento.

Tipo de integração	Cobrança média	Receita anual
Integração padrão da plataforma	$2,500 - $5,000	US $ 1,1 milhão
Integração personalizada corporativa	$15,000 - $50,000	$750,000

Ofertas de serviço de pagamento de valor agregado

Fluxos de receita adicionais de serviços de pagamento suplementares.

• Serviços de detecção de fraude: receita anual de US $ 250.000
• Monitoramento de conformidade: receita anual de US $ 180.000
• Ferramentas de relatórios avançados: receita anual de US $ 220.000

Receita recorrente de contratos de clientes de longo prazo

Os acordos contratuais de longo prazo fornecem base de receita estável.

Duração do contrato	Número de clientes	Valor médio do contrato
Contratos de 1-2 anos	135 clientes	US $ 75.000 por contrato
Contratos de 3-5 anos	45 clientes	US $ 250.000 por contrato

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]