Usio is a cloud-based fintech payment processor that provides a full-stack payment ecosystem serving small to mid-market businesses and merchants across multiple industries in the United States. The company generates revenue primarily through transaction-based fees from ACH processing, credit and debit card processing, prepaid and incentive card services, electronic billing and document processing, and payment facilitation. Usio differentiates itself by offering an integrated, single-platform payment solution that consolidates payment acceptance, funds disbursement, and related services across multiple channels, with expertise in merchant risk management and rapid implementation capabilities.