Usio, Inc.

Usio provides integrated electronic payment processing services to merchants and businesses throughout the United States. The company operates a diversified platform handling multiple payment types, including automated clearing house (ACH) processing for fund transfers, credit and debit card transactions, and prepaid card services. Its proprietary technology enables businesses to process both e-checks and card-based payments through online terminals, physical point-of-sale devices, and interactive voice response telephone systems for remote payment acceptance.

The company's service offerings span several revenue streams. ACH processing services include Represented Check and Check Conversion products for electronic payment facilitation. Card processing services support transactions across Visa, MasterCard, American Express, and Discover networks. Usio also provides prepaid and incentive card issuance services, a payment facilitation platform, and ancillary services such as electronic bill presentment, document composition and decomposition, and printing and mailing capabilities. These complementary services serve industry verticals including utilities and financial institutions.

Usio operates with approximately 107 full-time employees and maintains headquarters in San Antonio, Texas. The company distributes its ACH products and services primarily through resellers, while marketing prepaid card programs directly to government entities, corporations, and consumers via the internet. Originally incorporated in Nevada in 1998 under the name Payment Data Systems, Inc., the company rebranded as Usio, Inc. in June 2019.