USIO Investor presentation

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Forward Looking Statements Except for the historical information contained herein, the matters discussed in this presentation include forward-looking statements which are covered under the safe harbors provision of the Private Securities Litigation Reform Act of 1995 (PSLRA). Those statements include, but may not be limited to, all statements regarding management’s intent, belief and expectations, such as statements concerning our future and our operating and growth strategy. These forward-looking statements are identified by the use of words such as “believe,” “could,” “intend,” “look forward,” “anticipate,” “schedule,” and “expect” among others. Forward- looking statements in this presentation are subject to certain risks and uncertainties inherent in the Company’s business that could cause actual results to vary, including risks related to the economy, risks related to the realization of the anticipated opportunities from the IMS acquisition, the management of the Company’s growth, the loss of key resellers, the relationships with the Automated Clearinghouse network, bank sponsors, third-party card processing providers and merchants, the security of our software, hardware and information, the volatility of the stock price, the need to obtain additional financing, risks associated with new tax legislation, and compliance with complex federal, state and local laws and regulations, and other risks detailed from time to time in the Company’s filings with the Securities and Exchange Commission including its annual report on Form 10-K for the fiscal year ended December 31, 2024. One or more of these factors have affected, and in the future, could affect the Company’s businesses and financial results in the future and could cause actual results to differ materially from plans and projections. The Company believes that the assumptions underlying the forward-looking statements included in this presentation will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by us or any other person that the objectives and plans will be achieved. All forward- looking statements made in this presentation are based on information presently available to management. The Company assumes no obligation to update any forward- looking statements, except as required by law. The information presented in this presentation is as of May of 2025, unless indicated otherwise. Usio.com | ©2025 Usio, Inc 2 Nasdaq: USIO

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About Founded in 1998 Nacha Certified & HIPPA Compliant Publicly Traded: Nasdaq: USIO . Usio is a leading FinTechthat operates a full stack of proprietaryand integrated, cloud-based electronic payment acceptanceand issuance,and embedded financial solutions to a wide range of merchants,billers, banks, service bureaus, and card issuers. Usio delivers convenient,world-class solutions and services to their clients throughcard, ACH payment processing,card issuing, and bill presentment. Nasdaq: USIO Usio.com | ©2025 Usio, Inc 3

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Business Lines Payment Facilitation Credit and debit card processing, primarily focused on our partnership- focused sales model with ISVs. ACH Electronic payments through the ACH network, facilitating transfer of funds between bank accounts. Primarily driven through our partnership focused sales model with ISVs. Card Issuing Physical, virtual payment cards for governments, non-profits, corporates (incentives, promotions, expenses) and consumer fintech companies. Card issuer processing and program management. Output Solutions Document design, transactional print and mail, and electronic delivery for utilities, healthcare providers, governmental agencies, and manufacturing, among others. Proprietary Technology In-house built and maintained, leading technology platform across all business lines Support In-House Dedicated Support Services for Clients and Partners Customers ISV Partners ISV Partners, FinTech's FinTech's, Non-profits & Governments Utilities, Financial Institutions Full Service Payments Platform Nasdaq: USIO Usio.com | ©2025 Usio, Inc 4

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Innovative Proprietary Technology Usio is constantly developing new technologies to stay the forefront of innovation in the payment space, including real-time payments, lending technologies, among others. New Innovations In-House Solution Usio securely handles payment transaction, including sufficient funds verification and funds transfer in-house. Payment Facilitation Robust payment facilitation offering with automated merchant enrollmentfor partners (primarily ISVs) to set up merchants Turn-Key Card Issuing Usio offers a modern turn-key solution for disbursing funds, incentives, and expenses through a full-stack card issuance and processing platform. Nasdaq: USIO Usio.com | ©2025 Usio, Inc 6

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Unique and Attractive End Markets ISVs Primary Products FinTechs Government Nonprofits Utilities/Financial Institutions PayFac / ACH ACH / Card Issuing Card Issuing/Output Card Issuing / Output Output Solutions Usio’s acquiring segment supports innovative ISVs embedding payments to fuel growth, while other segments serve FinTechs,governments, non-profits, and utilities. Nasdaq: USIO Usio.com | ©2025 Usio, Inc 7

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Business Lines Payment Facilitation ACH Card Issuing Output Solutions Description • Embedded and integrated payment solutions tailor made for diverse markets • Leading ACH processing solutions for merchants • Physical / virtual payment cards for governments / non-profits, corporates (i.e.. incentives / promotions, expenses), and consumer fintech companies • Provides platform for expense management, general disbursement, incentives, per diems, loyalty programs, and more • Document design, transactional print and mailing, and electronic delivery for utilities, healthcare providers, governmental agencies, and manufacturing,among others Key Offerings & Differentiators • Integrated solution with automated onboarding for ISVs • Partnership-focused GTM strategy • Longest-tenured Nacha certified third-party sender in the industry • Partnership-focused GTM strategy • Provides platform for expense management, general disbursement, incentives, per diems, loyalty programs, and more • Solution reduces postage costs • Automates billing processes • Increase operational efficiencies % Of Q3 Revenue 35% 28% 13% 23% Diverse Offerings Nasdaq: USIO Usio.com | ©2025 Usio, Inc 8

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Multiple Levers for Future Growth Our operating leverage allows us to scale profitably as we grow New Product Offerings Development of new technologies such as real time payments, lending offerings, among others New ISVs + Customers Launch new innovative solutions: government, non-profits and corporations Cross Sales Drive incremental revenue by cross selling to / from other segments Merchant Penetration of ISVs Opportunity to continue to penetrate merchant base beyond the 62% penetration today Usio.com | ©2025 Usio, Inc 9

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Offerings Summary 1 2 3 Competitive Diversified Growth Potential The Usio platform provides a diverse range of payments technology and services for its customers. Broad solution set is key to winning new customers, who Diversification provides stable top-line growth, even in macro cycles Only the largest payment technology organizations are able to offer the breadth of solutions provided by Usio are looking to purchase an embedded platform versus a series of point solutions. Nasdaq: USIO Usio.com | ©2025 Usio, Inc 10

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$0 $20 $40 $60 $80 $100 2020A 2021A • Payment Facilitation grew from launching in 2018 to a $14M business in 2024 2022A 2023A 2024A • ConsolidatedGross Profits increasedfrom $4M in 2017 to $19.6M in 2024 MILLIONS 12% 21% 92% 15%13%71% * *2025 Revenue Guidance of 5-12% $84.1 $69 $62 $32$28$25 $15 2017A 2018A 2019A • Card Issuing business grew from $323K in 2016 to $19M in 2023 $82.9 19% (1)% Revenue Grew 7x Since 2016 Nasdaq: USIO Usio.com | ©2025 Usio, Inc 11

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Meaningful Achievements Through Q3 2025 Development of Biometrics AI Checkout and Usio One to expand our offerings for customers Increased merchant penetration of ISVs year-over-year from 60% to 62% Delivered 1% gross revenue growth on year to date Generated ~$1.4M in operating cash flows Executed ~$760K in share repurchases year to date Nasdaq: USIO Usio.com | ©2025 Usio, Inc 12

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Q3 2025 Performance Highlights Gross Revenue ($ in mm) $21 $21 Q3 2024 Q3 2025 $368k $776k Q3 2024 Q3 2025 Adj. EBITDA ($ in mm) Volume Gross Revenue Net Revenue Adj. EBITDA Net Income EPS $2.2bn +15% YoY $21.2mm $11.1mm ~$368k $(415k) $(0.02) Nasdaq: USIO Usio.com | ©2025 Usio, Inc 13

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Payment Facilitation ACH Card Issuing Output Solutions Gross Revenue $4.1mm $2.5mm $2.8mm $4.8mm Net Revenue $0.9mm $2.5mm $2.5mm $1.3mm On Gross Revenue 8% 54% 36% 17% On Net Revenue 33% 54% 41% 63% (1) Excludes legacy credit card processing and complementary services such as RCC and pinless debit Segment Financial Performance Nasdaq: USIO Usio.com | ©2025 Usio, Inc 14

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Innovative Proprietary Technology 2 Highly scalable cloud-based technology built on Azure to enable the company to handle peak loads of transactions 3 1 Modular Utilizes a hub-and-spoke infrastructure allows for a modular and extensible approach to managing resources and workloads and also ensures Usio’s solutions communicate well across the platform. Usio.com | ©2025 Usio, Inc 15 Scalable Efficient Usio’s proprietary platform, built in-house, allows merchants to process payments quickly and efficiently,while also providing robust security measures to protect their business and customers' sensitive information. Nasdaq: USIO

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Key Drivers of Shareholder Value Drive Consistent Growth Achieve annual Net Revenue growth above 15% Focus on Profitability Achieve 10%+ EBITDA margin while maintaining mid-20% gross margins Nasdaq: USIO Usio.com | ©2025 Usio, Inc 16

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Shareholder Information 27.4 Million Shares Outstanding As Of September 30, 2025 15.5 Million Shares Of Public Float As Of September30, 2025 11.9 Million Shares Of Insider Ownership As Of September30, 2025 Nasdaq: USIO Usio.com | ©2025 Usio, Inc 22

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Payment Facilitation PaymentFacilitation(PayFac)is the latest innovationin merchant acquiring, providingfrictionlessmerchant onboarding, enrollment and automated risk/underwritingprocedures- which have traditionally been very manual processes - to provide formass adoption and scale in short order by way of a leveraged distributionmodel (one- to-many).Our differentiatedgo-to-marketstrategycreates loyalty and enhances customer value of the IntegratedSoftwareVendors(ISVs)we serve. ISVs are now able to monetizepaymentsflowing through their software applications, turning payments froma cost center to a revenue generating business unit. 35% OF Q3 2025 GROSS REVENUE (includesall card) $100 TRANSACTION $2.5M MonthlyVolume $2.50 2.5% REVENUETO USIO $62,500 COSTS ($1.85) 74% OR 185 bps TO CARD ISSUER $(46,250) ($0.15) 6% OR 15 bps TO CARD BRAND $(3,750) $0.50 Gross Revenue to USIO $12,500 20% or 50 bps ($0.25) 50/50 SPLITWITH PARTNER $(6,250) $0.25 NET $6,250 HOW WE MAKE MONEY 10% or 25 bps Nasdaq: USIO Usio.com | ©2025 Usio, Inc 23

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Usio is the Fintech leader in payments and a Nacha Certifiedprovider that streamlinespayment acceptanceand minimizesprocessing costs. Usio provides ACH processingat a fractionof the cost than credit or debit cards. Usio is unique in that we are the longest-tenuredNacha certifiedthird-party sender in our industry, has its own bank routing number,and directaccess to the Fed. Our highest marginbusiness, ACH provides cash we use to continue to fund and invest in our growth engines – PayFacand Card Issuing. MARGINS 70%+ ON A RETURN OR ORIGINATION ON AVERAGE WE EARN $.70 NET REVENUE PER TRANSACTION $.41 HOW WE MAKE MONEY 28% OF Q3 2025 REVENUE ACH Nasdaq: USIO Usio.com | ©2025 Usio, Inc 24

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INTERCHANGEPURCHASE BY MERCHANTS 1-2% Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction processing, customer service and compliance in a true turn-key solution. FinTech's, Governments, non-profits and SMBs needing a platform for expense management, funds disbursement, incentives, per diems, loyalty programs, embedded payments and more. Additionally, entities looking to migrate away from physical checks or cash payouts to virtual payment methods can leverage our card issuing platform. We also offer analytics and insight into the use of funds / spend via our reporting platform. HOW WE MAKE MONEY CLIENT FEES PER CARD CREATED $.35-$4 CARDHOLDER FEES & SPOILAGE 2-4% AMOUNT LOADED TO CARDS MARGINS 30-40% 13% OF Q3 2025 REVENUE Card Issuing Nasdaq: USIO Usio.com | ©2025 Usio, Inc 25

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Usio offersdocument design, print and electronicdelivery or via US Post Office.Perfect for entities looking to reduce postage cost, automatethe billingprocessesand increaseoperationalefficiencies. Output’s customer base is primarily financial institutions,utilities, and taxing entities. HOW WE MAKE MONEY $.15-$.18 PER PRINT $.02 AVERAGEPOSTAGEPER PIECE $.036-$.078 PER ELECTRONICPRESENTMENT 18-22% MARGINS 23% OF Q3 2025 REVENUE Output Solutions Nasdaq: USIO Usio.com | ©2025 Usio, Inc 26

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