(USIO) Usio - Ratings and Ratios

Usio, Inc. (NASDAQ:USIO) is a leading provider of integrated electronic payment processing solutions, serving merchants and businesses across the United States. The company specializes in automated clearing house (ACH) processing, credit card, prepaid card, and debit card-based transactions. Its ACH services include Represented Check and Check Conversion, enabling seamless electronic payment facilitation. Additionally, Usio offers merchant account services for card-based transactions through major networks like Visa, MasterCard, American Express, Discover, and JCB, with access via online terminals or physical retail terminals.

The company also provides a proprietary web-based customer service platform for processing one-time and recurring payments through e-checks or credit cards. Its interactive voice response (IVR) system allows businesses to accept payments over the telephone using e-checks or credit cards. Furthermore, Usio offers prepaid and incentive card issuance services and operates a prepaid core processing platform. Additional services include electronic bill presentment, document composition, document decomposition, and printing and mailing solutions for industries such as utilities and financial institutions. The company markets its ACH products through resellers and sells prepaid card programs directly to government entities, corporations, and consumers online.

Formerly known as Payment Data Systems, Inc., Usio rebranded in June 2019 to reflect its expanded service offerings. Founded in 1998 and headquartered in San Antonio, Texas, the company has established itself as a key player in the payment processing industry. Its comprehensive suite of services caters to diverse payment needs, making it a versatile solution for businesses seeking integrated payment solutions.