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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 19, 2026

USIO, INC.

(Exact name of registrant as specified in its charter)

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\n\t\t\t Nevada \n\t\t\t	\n\t\t\t 000-30152 \n\t\t\t	\n\t\t\t 98-0190072 \n\t\t\t
\n\t\t\t (State or other jurisdiction \n\t\t\t	\n\t\t\t (Commission \n\t\t\t	\n\t\t\t (IRS Employer \n\t\t\t
\n\t\t\t of incorporation) \n\t\t\t	\n\t\t\t File Number) \n\t\t\t	\n\t\t\t Identification No.) \n\t\t\t

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\n\t\t\t 3611 Paesanos Parkway, Suite 300, San Antonio, TX \n\t\t\t		\n\t\t\t 78231 \n\t\t\t
\n\t\t\t (Address of principal executive offices) \n\t\t\t		\n\t\t\t (Zip Code) \n\t\t\t

(210) 249-4100

(Registrant’s telephone number, including area code)

Not applicable.

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

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☐

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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐

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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐

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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐

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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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\n\t\t\t Title of each class \n\t\t\t	\n\t\t\t Trading symbol(s) \n\t\t\t	\n\t\t\t Name of each exchange on which registered \n\t\t\t
\n\t\t\t Common stock, par value $0.001 per share \n\t\t\t	\n\t\t\t USIO \n\t\t\t	\n\t\t\t The Nasdaq Stock Market LLC \n\t\t\t

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 7.01

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Regulation FD Disclosure

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The investor presentation to be delivered at the LD Micro Main Event conference on October 20, 2026 and the Planet MicroCap Toronto Conference on October 28, 2026 is attached as Exhibit 99.1.

The information in Exhibit 99.1 is furnished pursuant to Item 7.01 and shall not be deemed \"filed\" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of the Section. The information in this Report will not be deemed an admission as to the materiality of any information required to be disclosed solely to satisfy the requirements of Regulation FD.

This report (including Exhibit 99.1) contains forward-looking statements. Forward-looking statements include, but are not limited to, statements that express our intentions, beliefs, expectations, strategies, predictions, or any other statements related to our future activities, or future events or conditions. These statements are based on current expectations, estimates and projections about our business based, in part, on assumptions made by management. These statements are not guarantees of future performances and involve risks, uncertainties and assumptions that are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in the forward-looking statements due to numerous factors, including those risks discussed in our Annual Report on Form 10-K and in other documents that we file from time to time with the SEC. Any forward-looking statements speak only as of the date on which they are made, and we do not undertake any obligation to update any forward-looking statement to reflect events or circumstances after the date of this report, except as required by law.

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Item 9.01

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Financial Statements and Exhibits.

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99.1	Investor Presentation as of October 2026
\n\t\t\t 104 \n\t\t\t	\n\t\t\t Cover Page Interactive Data File (embedded within the Inline XBRL document) \n\t\t\t

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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Date: October 19, 2026

\n\t\t\t

USIO, INC.

\n\n\t\t\t\n\n\t\t\t

By: /s/ Louis A. Hoch

\n\n\t\t\t

Name: Louis A. Hoch

\n\n\t\t\t

Title: Chief Executive Officer and Chairman of the Board

\n\t\t\t

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