MASHINIi

Usio, Inc..

USIO.US | Other activities auxiliary to financial service activities

Usio, Inc. is a payment technology provider that offers a range of solutions, including credit, debit, and ACH processing, as well as prepaid card services and other related services. The company primarily focuses on providing payment solutions to businesses across various industries, enabling them ...Show More

Ethical Profile

Mixed.

Usio, Inc. receives a mixed ethical rating, primarily due to its performance in Safe & Smart Tech. The company maintains PCI Level 1 compliance, utilizes encryption and tokenization, and allows users to manage personal data and opt out of cookies. However, Usio faced a ransomware attack in 2021, which allegedly compromised a small portion of its IT systems, including non-payment processing data files. While Usio engaged cybersecurity firms for remediation and is working towards ISO 27001 certification, critics point to a lack of public quantitative data on cybersecurity investment and training effectiveness. Other areas, such as fair pay, environmental impact, and economic opportunity, lack sufficient evidence for a definitive assessment.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Usio's core business of payment processing for healthcare has no direct positive or negative health impact.

1
The company demonstrates exceptional data responsibility by maintaining HIPAA compliance for patient payment data, PCI Level 1 certification for payment card data, and Nacha Certification for ACH transactions.
2
Usio also utilizes end-to-end encryption to safeguard data.
3

Fair Money & Economic Opportunity

0

No evidence available to assess Usio, Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

No evidence available to assess Usio, Inc. on Fair Pay & Worker Respect.

Fair Trade & Ethical Sourcing

0

Usio, Inc. is a payment technology provider and does not procure or trade physical commodities. Therefore, KPIs related to fair trade certifications, supply chain audits, forced or child labor incidents, traceability, remediation speed for sourcing violations, ethical sourcing clauses in supplier contracts, and high-risk materials are not applicable to its business model.

1
No evidence was found in the provided articles for supplier diversity spend.
2

Honest & Fair Business

0

No evidence available to assess Usio, Inc. on Honest & Fair Business.

Kind to Animals

0

Usio, Inc. is a payment technology provider, offering solutions such as payment processing, funds disbursement, billing, and printing/mailing.

1
Due to its service-oriented business model, the company does not engage in activities related to animal testing, animal-derived products, animal agriculture, or animal-related supply chains. Therefore, KPIs concerning cruelty-free certification, alternative testing methods, humane certified operations, ethical input substitution, supplier audits for welfare, cage-free sourcing, animal testing policies and volume, innovation investment in animal-free technologies, animal agriculture ethics, animal-free R&D collaboration, and public policy engagement on animal welfare are not applicable to its core operations.

No War, No Weapons

0

No evidence available to assess Usio, Inc. on No War, No Weapons.

Planet-Friendly Business

0

No specific, concrete data points were found across the provided articles to assess Usio, Inc. against the Planet-Friendly Business ethical value. The articles primarily consist of investor relations information, company descriptions, or general messages of support, none of which contain quantitative environmental performance metrics, targets, certifications, or details on environmental initiatives.

1

Respect for Cultures & Communities

0

No specific, quantifiable evidence related to the ethical value of 'Respect for Cultures & Communities' for Usio, Inc. (USIO.US), a payment technology provider, was found in the provided articles. Information from articles referring to 'USI' or 'USI Corporation' and describing petrochemical manufacturing activities (e.g., ethylene storage, compounding processing lines, environmental fines) was deemed irrelevant to Usio, Inc.'s business model as a payment technology provider and therefore excluded. The articles directly pertaining to Usio, Inc. (USIO.US) explicitly stated a lack of data for the requested metrics, or only mentioned a single volunteer activity without quantifiable details relevant to the KPIs.

1

Safe & Smart Tech

-10

Usio experienced a ransomware attack in December 2021, which encrypted a small portion of IT systems and involved the download of non-payment processing data files.

1
However, no payment or cardholder data was compromised, and the company remained operational.
2
As of July 2025, this incident occurred over three years ago. The company holds PCI Level 1 and SOC 2 Type 2 certifications, with ISO 27001 certification in progress.
3
Usio uses encryption to protect data during transmission and tokenization as a security measure.
4
Its privacy policy states users can see, edit, or delete their personal information and opt out of cookies.
5
However, login cookies last for 2 days and 'remember me' cookies for 2 weeks, indicating basic authentication security.
6
The company states compliance with various regulations including PCI-DSS, GDPR, PSD2, Dodd-Frank Act, CARD Act, BSA, FinCEN rules, CCPA, and CPRA.
7

Zero Waste & Sustainable Products

0

No evidence available to assess Usio, Inc. on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.