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- **Record Q3 Growth**: 7 processing records set, including 30% YoY ACH revenue increase.
- **Margin Expansion**: ACH business driving 30% YoY revenue growth, offsetting one-time card issuing impacts.
- **Strategic Pipeline**: 16 new Payfac implementations and 1,000 merchants in filtered spin program.
- **Cash Position**: $7.8 million cash on hand, $3 million remaining under share repurchase authorization.

**【Management Opening Remarks】**
- Q3 2025: 7 quarterly processing records set, including 16.2 million transactions (8% YoY growth) and 30% YoY increase in ACH revenue.
- Sequential momentum: $1.2 million revenue increase vs. Q2, positioning for Q4 growth.
- Margins improving: ACH business driving 30% YoY revenue growth, offsetting one-time card issuing impacts.

**【CEO Summary Section】**
- **Processing Volume Records**: 7 Q3 records, including highest ACH volume in 3 years.
- **ACH Growth**: 30% YoY revenue increase, 8% sequential growth.
- **Card Issuing Recovery**: Sequential revenue growth after 2024 challenges.
- **Output Solutions**: 20 million electronic documents processed (500,000 YoY increase).

**【CFO Financial Commentary】**
- **Adjusted EBITDA**: $368,000 (down $132,000 YoY due to one-time 2024 card issuing revenue).
- **Cash Flow**: $1.4 million operating cash flow, $7.8 million cash on hand.
- **Share Repurchases**: $750,000 year-to-date, $3 million remaining under authorization.

**【Q&A Highlights】**
- **Pipeline Momentum**: 16 new Payfac implementations in process, 1,000 merchants in filtered spin program.
- **Government Shutdown Impact**: SNAP payment alternatives being developed for municipalities.
- **M&A Criteria**: Focus on synergies in payment processing, card issuing, or ACH technologies.
- **Sales Cycle**: Implementation delays outside of company control, but 2026 growth expected.

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