San Antonio-based Usio, Inc. and its subsidiaries are leading providers of integrated electronic payment processing services to merchants and businesses throughout the United States. Usio delivers a diverse range of services, including automated clearing house (ACH) processing, credit, prepaid card, and debit card-based processing. The company's ACH transaction processing services cover Represented Check and Accounts Receivable Check Conversion. Usio also provides merchant account services for processing card-based transactions across major networks such as Visa, MasterCard, American Express, Discover, and JCB. In addition, Usio offers a proprietary web-based customer service application for companies to process payments via e-checks or credit cards, as well as an interactive voice response telephone system for companies that prefer to accept payments directly through e-checks or credit cards over the phone. Usio further provides prepaid and incentive card issuance services, operates a prepaid core processing platform, and offers electronic bill presentment, document composition, decomposition, and printing and mailing services for various industry verticals. The company markets and sells ACH products and services primarily through resellers and sells prepaid card programs directly to government entities, corporations, and consumers via the internet. The company was previously known as Payment Data Systems, Inc. and rebranded as Usio, Inc. in June 2019. Usio was founded in 1998 and is headquartered in San Antonio, Texas.