Repay (RPAY) Investor presentation summary

Market opportunity and positioning

• Operates a highly integrated omnichannel payment technology platform targeting both consumer and business payments.

• Addresses a large, underpenetrated market with a $5.6 trillion total addressable payment volume across verticals such as auto finance, mortgage, healthcare, and B2B automation.

• Card and debit payments remain underpenetrated in key verticals, with significant room for electronic payment adoption.

• Key end markets like loan repayment, B2B, and healthcare have lagged in electronic payment adoption, creating growth opportunities.

Business model and technology

• Proprietary, integrated payment platform simplifies electronic payments for clients and enhances user experience.

• Offers omnichannel payment acceptance (web, mobile, IVR, text, POS) and supports multiple modalities (credit/debit cards, ACH, instant funding, eCash).

• Deep software integrations (297 as of Q1 2026) accelerate distribution and client acquisition.

• Provides both accounts receivable and accounts payable automation, with deep ERP integrations and a one-stop-shop B2B solution.

Growth strategy and execution

• Drives growth through secular trends toward digital payments, organic expansion, and M&A catalysts.

• Demonstrated ability to acquire and integrate businesses, expanding into new verticals and enhancing solution sets.

• Multiple levers for continued growth: expanding usage, new partnerships, acquiring clients, operational efficiencies, and strategic M&A.

• Maintains a strong, diversified client base across consumer and business payments, with blue-chip ISV partnerships and broad industry coverage.