Usio Inc
NASDAQ:USIO
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Usio Inc
USIO, Inc. engages in providing integrated payment solutions. The company is headquartered in San Antonio, Texas and currently employs 108 full-time employees. The firm provides integrated payment processing services to merchants and businesses, including all types of Automated Clearing House (ACH), processing, credit, prepaid card and debit card-based processing services. The firm develops and manages a range of Mastercard-branded prepaid card program types, including consumer reloadable, consumer gift, incentive, promotional, general and government disbursement and corporate expense cards. The firm offers customizable prepaid cards companies use for expense management, incentives, refunds, claims and disbursements, unique forms of compensation such as per diems. The firm also offers prepaid cards to consumers for use as a tool to stay on budget, manage allowances and share money with family and friends. The Company’s card-based processing services enable merchants to process both traditional card-present, tap-and-pay, or swipe transactions, as well as card-not-present transactions.
USIO, Inc. engages in providing integrated payment solutions. The company is headquartered in San Antonio, Texas and currently employs 108 full-time employees. The firm provides integrated payment processing services to merchants and businesses, including all types of Automated Clearing House (ACH), processing, credit, prepaid card and debit card-based processing services. The firm develops and manages a range of Mastercard-branded prepaid card program types, including consumer reloadable, consumer gift, incentive, promotional, general and government disbursement and corporate expense cards. The firm offers customizable prepaid cards companies use for expense management, incentives, refunds, claims and disbursements, unique forms of compensation such as per diems. The firm also offers prepaid cards to consumers for use as a tool to stay on budget, manage allowances and share money with family and friends. The Company’s card-based processing services enable merchants to process both traditional card-present, tap-and-pay, or swipe transactions, as well as card-not-present transactions.
Processing Records: Usio set 7 new quarterly processing volume records, including a record 16.2 million transactions, up 8% year-over-year.
Revenue Growth: Sequential revenue increased by $1.2 million, with ACH leading and up 30% from the year-ago quarter.
Recurring Revenue: Management emphasized that most revenue is now recurring, a shift from last year's onetime items.
Profitability & Cash Flow: Usio reported another profitable quarter and positive cash flow, with operating cash flow at $1.4 million and cash increasing to over $7.8 million.
Card Segment Rebound: Card processing volumes reached all-time highs; management expects card issuing performance to improve in coming quarters.
Improved Margins: Margins improved year-over-year, led by growth in high-margin ACH business.
Strong Pipeline: The company highlighted a robust pipeline of new business and expects further growth in the fourth quarter and into 2025.
Share Repurchases: Usio repurchased $60,000 in shares during the quarter, $750,000 year-to-date, with $3 million remaining authorized.
