Usio is a small U.S.-based fintech that processes electronic payments for businesses, merchants, and government entities. Usio operates across four business lines: ACH processing, prepaid card issuing, credit card processing via its PayFac platform, and Output Solutions. The ACH business — Usio's highest-margin and fastest-growing segment — processes electronic funds transfers through the ACH network, serving verticals like mortgage servicing, healthcare, legal, and government. Usio holds a NACHA certification as a Third-Party Sender, giving it direct network access that few competitors have. Through its FiCentive subsidiary, Usio designs and manages Mastercard-branded prepaid card programs for corporations, nonprofits, and government agencies, used for disbursements, benefits, and expense management. Its PayFac platform, "PayFac-in-a-Box," targets independent software vendors in bill-centric verticals, letting them embed multi-channel payment processing into their own products via a single API. Output Solutions handles electronic and physical document delivery — billing, statements, and mailings — for utilities, healthcare providers, and government agencies. Usio charges per-transaction fees across its payment businesses and per-unit fees in Output Solutions, with most revenue recurring in nature. Usio's growth strategy centers on its "Usio ONE" initiative, which unifies all products under a single platform and sales team to enable cross-selling across its existing customer base. Usio also pursues selective M&A, including its recent acquisition of PostCredit, an expense management technology integrated with ERP systems.