Founded in 1998, Usio, Inc. (Nasdaq: USIO), formerly known as Payment Data Systems, is a U.S.-based fintech company headquartered in San Antonio with additional operations in Austin, Texas. It provides an integrated, cloud-based payments platform that enables card processing (credit, debit, prepaid), ACH transfers, embedded payment facilitation, and bill printing/mailing services, along with electronic bill presentment. Usio tailors its modular payment infrastructure to serve fintechs, SaaS providers, lenders, utilities, nonprofits, government agencies, and enterprises—simplifying fund acceptance and disbursement while offering monetization features such as revenue share