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Usio, Inc., headquartered in San Antonio, Texas, specializes in providing integrated electronic payment processing services to businesses and merchants across the United States. Originally incorporated as Payment Data Systems, Inc. and rebranded as Usio, Inc. in June 2019, the company has established itself as a key player in the fintech industry.
The core offerings of Usio include a wide array of electronic payment solutions. These encompass automated clearing house (ACH) processing services, which facilitate various transaction types such as Represented Checks and Accounts Receivable Check Conversion. These services enable businesses to streamline payment collections by electronically processing non-sufficient funds checks and converting paper checks into e-checks.
Additionally, Usio provides comprehensive merchant account services for processing credit, prepaid card, and debit card transactions. This includes supporting major payment networks such as VISA, MasterCard, American Express, Discover, and JCB. The company offers both online terminal services through web-based platforms and retail terminal services through physical terminals, catering to diverse operational needs.
Usio further enhances its service portfolio with proprietary technology solutions. These include a web-based customer service application for processing one-time and recurring payments via e-checks or credit cards. Moreover, Usio's interactive voice response (IVR) telephone system enables businesses to accept payments securely over the phone, enhancing customer convenience and operational efficiency. Beyond payment processing, Usio extends its capabilities to prepaid card issuance services and operates a robust prepaid core processing platform, serving a wide range of industries including utilities and financial institutions.
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