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Description of Usio Inc's Business Segments
Usio Inc. is a prominent provider of integrated electronic payment solutions, serving a diverse range of industries with its comprehensive offerings. Below is an extensive overview of its segments, products, and services, as of the latest available information.
Segments:
1. Payment Processing:
- Usio's payment processing solutions cater to various sectors, including retail, healthcare, insurance, utilities, and e-commerce. They facilitate a wide array of transaction types, such as credit card payments, electronic checks (ACH), and mobile payments. The companys advanced technology allows businesses to process transactions safely and quickly, enhancing customer experiences and operational efficiency.
2. Prepaid Services:
- Offering prepaid debit card programs, Usio provides services tailored for both businesses and consumers. Their solutions include payroll cards for employee wages, gift cards for promotional opportunities, rewards cards as incentives, and general-purpose reloadable cards. This suite of prepaid services not only provides a secure method of payment but also promotes cashless transactions while eliminating the risks associated with handling physical cash and checks.
3. Bill Payment:
- Usio's bill payment solutions are designed to streamline the billing process for both individuals and businesses. Their offerings include white-labeled portals for bill payment, integrated payment platforms, and custom solutions tailored for billers, financial institutions, and service providers. These solutions help reduce reliance on physical checks and manual processing, making it easier for consumers to manage and pay their bills through electronic means.
4. Healthcare Payments:
- Specializing in the healthcare industry, Usio provides targeted payment processing solutions. These services include patient payment portals that allow patients to view and pay their medical bills online, insurance claim payments that streamline the reimbursement process, automated recurring payments for ongoing medical services, and electronic remittance advice (ERA) delivery to enhance communication between providers and payers. This specialization helps healthcare providers optimize cash flow and minimize administrative burdens.
Products:
1. PayFac:
- Usio's proprietary PayFac platform enables businesses to accept payments seamlessly through multiple channels, including online, mobile, and in-person transactions. The platform is equipped with advanced features such as comprehensive fraud prevention measures, detailed reporting and analytics, integration capabilities with ERP systems, and options for customizable payment forms to align with specific business needs.
2. Digital Wallet:
- The Usio digital wallet allows consumers to securely store various payment methods, facilitating quick online purchases. It supports multiple payment options, including credit cards, debit cards, ACH transfers, and cryptocurrencies, making it a versatile solution for modern consumers looking for convenient and secure payment methods.
3. EMV Solutions:
- To ensure secure card-present transactions, Usio provides EMV-compliant payment solutions. Their offerings include EMV terminals, PIN pads, and point-of-sale (POS) systems that incorporate encryption and tokenization technologies to safeguard sensitive cardholder information against potential fraud.
Services:
1. Payment Gateway:
- Usio operates a robust payment gateway designed to connect merchants with payment processors, facilitating secure and seamless transactions across various platforms. The gateway supports multiple payment types and provides merchants with real-time transaction data, detailed reporting capabilities, and tools for fraud prevention, enhancing overall transaction security and efficiency.
2. Integration and Custom Development:
- Usio offers services to integrate its payment solutions with existing business systems, ERP platforms, and e-commerce websites. In addition, they provide custom development services to modify and adapt their offerings according to specific customer requirements, ensuring that solutions align perfectly with operational needs.
3. Support and Security:
- Customer support is a key priority for Usio; they offer 24/7 technical assistance and dedicated account representatives to address client needs. The company also emphasizes security, implementing rigorous measures such as PCI DSS compliance, data encryption, fraud monitoring, and tokenization to protect sensitive payment information from breaches.
Conclusion:
Overall, Usio Inc. provides a comprehensive suite of electronic payment solutions tailored to meet the diverse needs of businesses and individuals across various sectors. Through their innovative technology and commitment to security, they enhance operational efficiency and drive financial growth while creating secure and user-friendly payment experiences.
Composition of Usio Inc Revenues by
Segments |
| |
| ACH and Complementary Service Revenue |
|
 22.85 % |
of total Revenue |
| Credit Card Revenue |
|
35.69 % |
of total Revenue |
| Prepaid Card Services Revenue |
|
13.17 % |
of total Revenue |
| Output Solutions |
|
25.97 % |
of total Revenue |
| ACH and Complementary Service Interest Revenue |
|
1.02 % |
of total Revenue |
| Prepaid Card Services Interest Revenue |
|
0.83 % |
of total Revenue |
| Output Solutions Interest |
|
0.18 % |
of total Revenue |
Q1 three months ended (Mar 31 2025)
|
| Revenues by Business Segments |
Revenues
(in millions $) |
%
(of total Revenues) |
| ACH and Complementary Service Revenue |
5.04 |
22.85 % |
| Credit Card Revenue |
7.88 |
35.69 % |
| Prepaid Card Services Revenue |
2.91 |
13.17 % |
| Output Solutions |
5.73 |
25.97 % |
| ACH and Complementary Service Interest Revenue |
0.22 |
1.02 % |
| Prepaid Card Services Interest Revenue |
0.18 |
0.83 % |
| Output Solutions Interest |
0.04 |
0.18 % |
| Total |
22.08 |
100 % |
Q1 three months ended (Mar 31 2025)
|
| Revenue Growth rates by Segment |
Y/Y Revenue
% |
Q/Q Revenue
% |
| ACH and Complementary Service Revenue |
29.96 % |
- |
| Credit Card Revenue |
4.21 % |
- |
| Prepaid Card Services Revenue |
-12.98 % |
- |
| Output Solutions |
3.52 % |
- |
| ACH and Complementary Service Interest Revenue |
5.9 % |
- |
| Prepaid Card Services Interest Revenue |
-54.65 % |
- |
| Output Solutions Interest |
12.62 % |
- |
| Total |
9.43 % |
-73.51 % |
Q1 three months ended (Mar 31 2025)
|
| Income by Business Segments |
Income
(in millions $) |
%
(Profit Margin) |
| Total |
-0.23 |
- |
Q1 three months ended (Mar 31 2025)
|
| Income Growth rates by Segment |
Y/Y Income
% |
Q/Q Income
% |
| Total |
- |
- |
Annual Report on Usio Inc Divisions, Sales by Country |
| |
| ACH and Complementary Service Revenue |
|
20.01 % |
of total Revenue |
| Credit Card Revenue |
|
35.12 % |
of total Revenue |
| Prepaid Card Services Revenue |
|
16.89 % |
of total Revenue |
| Output Solutions |
|
24.74 % |
of total Revenue |
| ACH and Complementary Service Interest Revenue |
|
0.95 % |
of total Revenue |
| Prepaid Card Services Interest Revenue |
|
1.61 % |
of total Revenue |
| Output Solutions Interest |
|
0.18 % |
of total Revenue |
Twelve months ended 2024
|
| USIO s Annual Revenue by Geography and Business Segments |
Sales
(in millions $) |
%
(of total Sales) |
| ACH and Complementary Service Revenue |
16.68 |
20.01 % |
| Credit Card Revenue |
29.27 |
35.12 % |
| Prepaid Card Services Revenue |
14.08 |
16.89 % |
| Output Solutions |
20.62 |
24.74 % |
| ACH and Complementary Service Interest Revenue |
0.79 |
0.95 % |
| Prepaid Card Services Interest Revenue |
1.35 |
1.61 % |
| Output Solutions Interest |
0.15 |
0.18 % |
| Total |
83.34 |
100 % |
Twelve months ended 2024
|
| USIO s Annual Income by Country and Business Segments |
Income
(in millions $) |
%
(Profit Margin) |
| Total |
3.31 |
3.97 % |
Twelve months ended 2024
|
| Annual Revenue and Income Growth by Country and Business Segments |
% Y/Y Sales Growth |
% Y/Y Income Growth |
| ACH and Complementary Service Revenue |
12.02 % |
- |
| Credit Card Revenue |
2.78 % |
- |
| Prepaid Card Services Revenue |
-24.82 % |
- |
| Output Solutions |
0.6 % |
- |
| ACH and Complementary Service Interest Revenue |
59.23 % |
- |
| Prepaid Card Services Interest Revenue |
44.38 % |
- |
| Output Solutions Interest |
220.33 % |
- |
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