Repay (RPAY) Investor presentation summary

Market opportunity and positioning

• Operates in a large, underpenetrated market with a $7.9 trillion total addressable payment volume across 18+ verticals, serving less than 1% of the TAM.

• Focuses on verticals such as consumer payments, auto finance, utilities, healthcare, government, and B2B automation.

• Key end markets have lagged in adopting electronic payments, creating significant growth potential.

• Card and debit payment penetration remains low in many target verticals, indicating room for expansion.

Business model and technology platform

• Provides an integrated, omnichannel payment platform offering digital payments, bill design, presentment, and communication services.

• Proprietary technology enables payment acceptance across modalities (credit/debit, ACH, eCash, instant funding) and channels (web, mobile, IVR, POS, text).

• Deep software integrations with 352 partners as of mid-2026, supporting a unique distribution model and client stickiness.

• End-to-end platform reduces operational complexity for clients and offers 24/7 payment acceptance.

Growth strategy and execution

• Pursues organic growth through increased digital payment adoption, deeper client penetration, and expansion into new verticals and geographies.

• Strategic M&A has expanded capabilities and vertical reach, with successful integrations including KUBRA and others.

• Multiple levers for continued growth: expanding usage, new client acquisition, operational efficiencies, and value-added services.

• Demonstrated ability to acquire and integrate businesses, accelerating entry into new markets.