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REPAY

Integrated payment processing for vertical markets

Overview

REPAY provides integrated payment processing solutions tailored to specific vertical markets, combining debit/credit card processing, ACH, vendor payment automation, and instant funding through a proprietary platform that easily plugs into clients’ existing software. The system enables omni-channel payments via online portals, IVR, text-to-pay, and the REPAYit app, and also offers accounts payable automation for B2B payments. Unlike general processors, REPAY focuses on industry-specific needs across more than 21 vertical markets, and grows through acquisitions to expand its product suite and geographic reach. Its goal is to simplify complex electronic payments for clients by offering a scalable, vertically targeted payments platform funded mainly by transaction fees based on payment volume and value.

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About REPAY

Simplify's Rating
Why REPAY is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareFintechFinancial Services

Company Size

201-500

Company Stage

IPO

Headquarters

Atlanta, GA

Founded

2006

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What believers are saying

  • October 13, 2026 Emburse embeds REPAY payments into AP workflows, expanding software distribution.
  • August 26, 2026 NxtEdge partnership deepens embedded B2B payments in hospitality.
  • August 10, 2026 management raised 2026 revenue outlook to $490-$500 million after KUBRA.

What critics are saying

  • KUBRA integration and synergy failure can wreck the June 2026 acquisition thesis by 2027.
  • The April 2026 poison pill signals activist pressure and blocks a takeover premium.
  • Visa, Stripe, and legacy processors compress margins; REPAY risks becoming a feature, not a platform.

What makes REPAY unique

  • REPAY pairs niche vertical payments with embedded workflows across consumer, B2B, and bill pay.
  • June 1, 2026 KUBRA acquisition added bill presentment, communications, and clearing services.
  • August 6, 2026 REPAY Voice uses conversational AI to modernize phone-based collections.

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Funding

Total Funding

$1.1B

Above

Industry Average

Funded Over

4 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Life Insurance
  • Disability Insurance
  • 401(k) Company Match
  • 401(k) Retirement Plan
  • Employee Stock Purchase Plan
  • Performance Bonus

Stock Price

Company News

Portal ERP
Oct 22nd, 2026
REPAY adds embedded payments to Emburse's spend platform.

REPAY adds embedded payments to Emburse's spend platform. The integration brings vendor payments into Emburse's accounts payable workflows, supporting ACH, virtual card, digital disbursement and check payments Redação Portal ERP Oct 22, 2026 T | Fonte: 18px REPAY, a provider of bill payment solutions, has partnered with Emburse, a software company offering spend management, accounts payable, travel and expense tools. The integration adds payment processing to Emburse's Spend, Pro and Enterprise products, allowing customers to pay domestic vendors through multiple payment methods without exporting payment files to banking portals. Finance teams at scaling organizations face a common challenge: payment operations spread across multiple AP systems, payroll platforms, and banking portals, while regional providers create fragmented workflows that limit visibility and weaken financial control. REPAY's integrations with Emburse's Spend, Pro and Enterprise platforms close those gaps by building payment execution into the software finance teams already use. Emburse customers can now pay domestic vendors by ACH, virtual card, digital disbursement or check, and finance teams no longer export payment files to banking portals or manage separate release steps. Payment execution sits inside the approval workflow, so every outbound payment is reviewed and audit ready before funds are released. Replacing paper checks with digital payment methods strengthens security, and finance teams get complete visibility into payment status and execution. "Finance teams are stuck stitching together disconnected payment processes - and it slows everything down," said Darin Horrocks, Executive Vice President, Business Payments at REPAY. "We built our integration with Emburse to remove that friction. Payments happen where the work already happens, with the controls finance teams need and none of the manual overhead." "For too long, payments have lived outside the systems that actually regulate spend," said Landon Gordon, Vice President, Product Management, Emburse. "That disconnect is where finance teams lose critical visibility and control. By embedding payment execution directly into Emburse's software platform through our integrated partnership with REPAY, we're closing that gap and turning payments into a fully governed part of the spend lifecycle." For AP and finance teams, that means less reliance on banking portals and manual funding steps. For employees, it means faster reimbursements without sacrificing oversight or compliance. Redação Portal ERP. Editorial Team

Yahoo Finance
Oct 13th, 2026
REPAY partners with Emburse to embed ACH, card and check payments in its AP platform

Repay Holdings Corporation (REPAY), a bill payment provider, has partnered with travel and expense management firm Emburse to build payments into Emburse's accounts payable (AP) software. The deal was announced on October 13, 2026. Emburse customers can now pay domestic vendors by ACH, virtual card, digital disbursement, or check without leaving the platform. Finance teams no longer need to export payment files to banking portals or handle separate release steps. Payments sit inside the approval workflow, so each one is reviewed and audit ready before funds go out. The integration covers Emburse's Spend, Pro, and Enterprise platforms. REPAY's payment processing is available to Emburse customers today.

Market Wire News
Sep 23rd, 2026
REPAY to host Investor Day on December 7, 2026.

REPAY to host Investor Day on December 7, 2026. MWN-AI** Summary. Repay Holdings Corporation (NASDAQ: RPAY), a prominent provider of bill payment solutions, is set to host an Investor Day on December 7, 2026, in New York City. This event marks a significant opportunity for investors, analysts, and stakeholders to gain insights into REPAY's financial performance and strategic direction alongside its partnership with KUBRA Data Transfer LTD, a key collaborator in the industry. The Investor Day will feature presentations from REPAY's leadership team, showcasing the company's vision and plans for future growth. Attendees can expect discussions about REPAY's integrated bill payment solutions, which cater to various sectors with specialized transaction processing needs. REPAY's advanced, proprietary technology provides an all-encompassing platform designed to streamline digital payments, bill design and presentment, as well as communication services, enhancing the user experience for both consumers and businesses. The event will commence at 10:00 a.m. ET and will also facilitate a live question-and-answer session, allowing participants to engage directly with senior representatives from REPAY and KUBRA. For those unable to attend in person, a live webcast will be available on the company's Investor Relations website, with a recorded playback following the event for later viewing. As a company committed to innovation and customer satisfaction in the payment processing landscape, REPAY continues to strengthen its market position through strategic partnerships and cutting-edge technology solutions. Investors and industry professionals are encouraged to take part in this informative session to better understand REPAY's evolving strategies and commitment to delivering top-tier payment solutions. For additional information, contact Charles Nabhan for investor relations or Kristen Hoyman for media inquiries. MWN-AI** Analysis. As Repay Holdings Corporation (NASDAQ: RPAY) prepares to host its Investor Day on December 7, 2026, investors should take this opportunity to gain insights into the company's strategic direction and growth potential. The inclusion of KUBRA Data Transfer LTD in the discussions is particularly noteworthy, as it highlights Repay's commitment to enhancing its service offerings and expanding its market reach. REPAY operates in a dynamic sector where digital payment solutions are increasingly vital, especially for verticals with specialized transaction needs. The company's proprietary technology platform not only streamlines the payment process but also improves client engagement through better bill design, presentment, and communication services. This integrated approach positions REPAY to capture greater market share amid accelerating digitization trends across various industries. The Investor Day agenda promises a comprehensive exploration of REPAY's financial outlook and strategic initiatives. Investors should pay close attention to any discussions surrounding revenue growth projections, cost management strategies, and potential synergies with KUBRA. Understanding how these factors will influence REPAY's competitive positioning will be key to making informed investment decisions. Moreover, the live Q&A session will provide an excellent opportunity for attendees to address specific concerns or seek clarifications from the management. Potential investors should focus on any forward-looking statements regarding market expansion, technological advancements, or potential partnerships that could drive future growth. As the event approaches, monitoring stock performance and sentiment in the payment solutions sector can provide additional context. Overall, REPAY appears well-positioned for long-term growth, making this Investor Day a crucial touchpoint for stakeholders. Those looking to capitalize on REPAY's trajectory should consider attending the webinar or reviewing the replay for insights that could influence their investment strategy. **MWN-AI Summary and Analysis is based on asking OpenAI to summarize and analyze this news release. September 23, 2026 04:30:00 pm Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY" or the "Company"), a leading provider of bill payment solutions, today announced that it will host an Investor Day on December 7, 2026, in New York City. Members of REPAY's leadership team will present the Company's financial and strategic outlook, as well as its shared future with KUBRA Data Transfer LTD ("KUBRA"). The event will feature senior leadership from REPAY's business segments and KUBRA and will include a live question-and-answer session. Presentations will begin at 10:00 a.m. ET. A live webcast of the event will be available to the public on the Company's Investor Relations website, and a replay of the webcast will be available following the event. About REPAY REPAY provides integrated bill payment solutions to verticals that have specific transaction processing needs. REPAY's proprietary, integrated payment technology provides a comprehensive end-to-end platform offering digital payments, bill design & presentment, and communication services for clients, while enhancing the overall experience for consumers and businesses. Investor Relations Contact for REPAY: Charles Nabhan [email protected] Media Relations Contact for REPAY: Kristen Hoyman [email protected] FAQ**. How does Repay Holdings Corporation (RPAY) plan to leverage its partnership with KUBRA Data Transfer LTD to enhance its integrated bill payment solutions? Repay Holdings Corporation (RPAY) aims to enhance its integrated bill payment solutions by leveraging its partnership with KUBRA Data Transfer LTD to streamline payment processing and deliver better customer experiences through advanced data integration and technology. What key financial metrics will Repay Holdings Corporation (RPAY) focus on during the Investor Day to demonstrate growth and profitability? Repay Holdings Corporation (RPAY) will likely focus on metrics such as revenue growth, adjusted EBITDA, gross transaction volume, and net income margin during Investor Day to demonstrate growth and profitability. Can Repay Holdings Corporation (RPAY) provide insights on its strategic initiatives that will drive innovation in the digital payments space? As of now, Repay Holdings Corporation (RPAY) is focused on enhancing its digital payments solutions through improved technology partnerships, expanding its product offerings, and investing in seamless user experiences to drive innovation in the payments sector. What are Repay Holdings Corporation (RPAY)'s expectations for market trends in the bill payment solutions sector over the next few years? Repay Holdings Corporation (RPAY) expects growing consumer demand for digital payment solutions and increased adoption of automated bill payment services to drive significant market growth in the bill payment solutions sector in the coming years. **MWN-AI FAQ is based on asking OpenAI questions about Repay Holdings Corporation (NASDAQ: RPAY).

Collect
Sep 22nd, 2026
News / September 2026 collect! User newsletter.

News / September 2026 collect! User newsletter. Published September 22, 2026 | In this issue Apple Pay and Google Pay Now Available Payrazr Users Have Benefit of New Payment Processing System SourceForge Article on New Payment Processing System Plans for NYC Shield Rule Why Move to Cloud Deployment? Refreshed ACA State Guide See you at ARM Tech January 2027 User Tip: Using the AI Bot in the Member Center Release News | | Available for Collect!'s 2 premier payment integrations Apple Pay and Google Pay Now Available Apple Pay and Google Pay are now available as an additional payment option for Payscout's Paywire gateway and Repay's Payrazr integration. When consumers self-serve on the consumer portal, and click the payment button, they can choose Apple Pay or Google Pay. Payments go into your bank account as normal and payments are included in reporting. If you are using either the Paywire or Payrazr integration, open a support ticket to have this payment method added. Open a support ticket |. | Improved processing for Payrazr users Payrazr Users Have Benefit of New Payment Processing System Because many Collect! clients use Repay's Payrazr gateway, Collect! has updated its Payrazr integration to accommodate the new Collect! payment processing system. All Payrazr users are advised to move to Collect!'s new payment processing system for greater flexibility and independence. The new payment processing system is a part of the texting-consumer portal-payment processing ecosystem that takes advantage of the following Collect! tools: * Consumer/Debtor Portal provides account information, communication options, payment plan and settlement offers, payment options * Texting integration provides batch texting using automations, ad hoc texting using templates, sending consumer portal link via text * 3rd party vault provides secure iFrame for payment data entry, card data encryption and decryption * Payment processing provides secure processing, full reporting, ability to easily change processors, ability to change payment plans, all while keeping you out of PCI scope | Payment plan details | | Legacy Plan details stored in Payrazr and in Collect!, future payments are triggered from Payrazr | New Payment plan details are only stored in Collect!, future payments are triggered in Collect! | | Your operators can make changes to payment plans on the fly | | Payment card data | | Legacy Card data is stored in Payrazr and used to execute future payments | New Encrypted card data is only stored in Collect! and used to execute future payments | | Storing plan and encrypted card data avoids 'card lock' that makes it difficult to change processors. Now you can change processors by pointing your system to a different processor. | Comparison of traditional and new systems SourceForge Article on New Payment Processing System SourceForge software review and B2B publication site released an article on Collect!'s new payment processing system. It is a quick read and will help you understand how moving to the new system gives you more flexibility and independence. Read the article |. | Effective January 1, 2027 Plans for NYC Shield Rule Collect! is augmenting its compliance programming to cover the requirements of New York City Department of Consumer and Worker Protection's upcoming SHIELD Rule, effective January 1, 2027. The SHIELD Rule is far reaching and requires a large number of changes; here are the major changes planned: * Add 'City' to Contact Controls * Create new contact type called NYC that includes phone, email, text set for a maximum of 3 contacts in a rolling week * Expand 'MaxHold' programming to cover phone, email and text * Additional disclosures and notices on the Model Validation Notice * New letter 'Notice of Time-Barred Debt' * NYC Medical Dispute Account Linking Utility Report * New letters 'Notice of Unverified Debt for Original Creditor' and 'Notice of Unverified Debt for Not Original Creditor' * New Help Documentation |. | Are you a collection agency or an IT company? Why Move to Cloud Deployment? If you are a collection agency, how about leaving your backups and maintenance to its specialized staff rather than spreading yourself thinner than you need to? Even though you bought your premise license a long time ago, there are ongoing costs for your hardware and staff or outside consultant's time for IT services that add up. You can get rid of those attendant costs, worry less about your infrastructure, and enjoy many additional benefits by moving to a Collect! cloud subscription. If you are already on the cloud, congratulations, you are already able to focus on your core business and not your IT. Collect! Cloud Subscription Benefits * Automatic updates and upgrades - you are always on the latest * Ongoing monitoring, maintenance and backups - leave the heavy lifting to specialists * Full membership included - Help Desk, access to Member Center, discounted rates for technical services * All modules included - consumer/debtor portal, client portal, credit bureau reporting, importing, dashboard and many more * Access to AI chatbot attached to Help documentation - users find this a huge time-saver * Get 2 months a year free by prepaying annually - or pay monthly * Connect from anywhere with just a few clicks - you just need a browser connection * No more expenditure for servers, networks and IT staff - focus on your core business * Highest level of security through industry standard measures including SOC 2 attestation and penetration testing To make this easier, Comtech Systems Inc. is waiving the fee to move you from your premise installation of Collect! to the Collect! cloud. Open a support ticket to move |. | Keeping you informed Refreshed ACA State Guide ACA members can access the updated ACA's Guide to State Collection Laws & Practices. ACA describes this latest version as a reimagined tool with enhanced customization tools, improved navigation and usability, monthly legal updates and expert guidance. Open the ACA guide |. | Mark your calendar See you at ARM Tech January 2027 Collect! will be exhibiting at ARMTech 2027 planned for January 11-13, 2027 in sunny Scottsdale, AZ. ARMTech has developed a reputation as an excellent learning opportunity. Comtech Systems Inc. hope to see you there. ARMTech updates |. | Have you used Collecto yet? User Tip: Using the AI Bot in the Member Center When you go into the Member Center you will notice Collecto in the corner waiting to help you out. Collecto is an AI function that has been trained on the contents of the Collect! website, including all the Help Documentation. Collecto functions like AI, so you can pose your question in real language and then continue to refine and add to your questioning. Collecto is free to use and available 24/7. Open the Member Center |.

U.S. Securities and Exchange Commission
Sep 18th, 2026
EX-99.3

On March 30, 2026, Repay Holdings Corporation (“the Company” or “REPAY”) entered into a Stock Purchase Agreement (the “KUBRA Purchase Agreement”) with Hearst KUBRA Holdings, Inc., a Delaware corporation, KUBRA Holdings, Inc., a Delaware corporation (“KUBRA US”), and KUBRA Data Transfer Ltd., an Ontario corporation (“KUBRA Canada” and, together with KUBRA US, “KUBRA”), pursuant to which the Company agreed to acquire all of the issued and outstanding capital stock of KUBRA (the “KUBRA Acquisition”). The KUBRA Acquisition closed on June 1, 2026.

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