{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002190","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.522732+00:00","generated_at":"2026-05-16T07:24:03.249361+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Usio reports record $8.4B payment volume in 2025; card issuing declines, expects strong 2026 growth","bullets":["Processed >$8.4B in payment volume (+19% YoY) and >60.4M transactions (+29% YoY).","Card Issuing prepaid loads fell to ~$300M (from $500M); transactions down to 8M (from 11M).","Record ACH, PINless debit, and Card/PayFac quarterly volumes in Q4 2025; sequential ACH growth of 14%.","Revenue growth in 2025 not expected to match prior double-digit rates due to lost reseller account and lower rates.","Outlook for 2026: strong double-digit revenue growth, new high-volume card programs, PostCredit acquisition leverage."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002190","json":"https://secwatch.observer/filing/0001437749-26-002190.json","markdown":"https://secwatch.observer/filing/0001437749-26-002190.md","text":"https://secwatch.observer/filing/0001437749-26-002190.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774926002190/0001437749-26-002190-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774926002190/usio20260127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:24:03.249361+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}