---
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"
generated_at: "2026-05-16T07:24:03.249361+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Usio reports record $8.4B payment volume in 2025; card issuing declines, expects strong 2026 growth

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002190
- JSON: https://secwatch.observer/filing/0001437749-26-002190.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002190.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.