USIO, Inc. engages in providing integrated payment solutions. The firm's Products and Services include Payment Processing, Output Solutions, Prepaid and Incentive Card Issuance. The Payment Processing include all forms of ACH transaction processing, such as Represented Check, which is a consumer non-sufficient funds check that is presented for payment electronically rather than through the paper check collection system, and Accounts Receivable Check Conversion, which is a consumer paper check payment that is converted into an e-check. The Output Solutions offers services relating to electronic bill presentment, document composition, document decomposition and printing and mailing services serving hundreds of customers representing a wide range of industry verticals, including utilities and financial institutions. The Prepaid and Incentive Card Issuance provides prepaid and incentive card issuance services and operate a prepaid core processing platform. The company was founded by Louis A. Hoch and Michael R. Long in July 1998 and is headquartered in San Antonio, TX.