REPAY
About
REPAY (Repay Holdings Corporation, NASDAQ: RPAY) is a payment technology company that provides integrated inbound and outbound payment solutions for businesses across multiple vertical markets including consumer finance, automotive, healthcare, and B2B. The company offers a single platform combining payment acceptance, vendor payment automation, clearing and settlement, instant funding, and messaging management. REPAY was co-founded in 2006 by CEO John Morris and is headquartered in Atlanta, Geo...
Details
VenSearch Intelligence
Ideal Customer
- REPAY's sweet spot historically has been small-to-mid-market businesses in regulated, recurring-payment verticals — such as personal lenders, auto finance companies, collection agencies, and credit unions — that process between $1M and $5M in monthly volume and benefit from embedded software integrations.
- The company also operates a direct enterprise sales motion targeting clients processing over $5M/month, and has been expanding upmarket, signing large enterprise clients such as Fairview Health Services.
Key Differentiators
- REPAY's primary differentiator is its proprietary, vertically-integrated payment technology platform purpose-built for specific, regulated industry verticals — enabling deeply embedded integrations directly into clients' loan management, dealer management, and ERP systems rather than offering a generic merchant acquiring solution.
- The company is one of the only independent clearing and settlement providers in the market, giving ISOs and PayFacs greater flexibility than traditional large-acquirer programs through its RCS platform.
Industries Served
- REPAY serves highly specialized vertical markets organized across two segments: Consumer Payments and Business Payments.
- Consumer Payments verticals include personal/installment loans, automotive loans (including subprime and buy-here-pay-here), receivables management/collections (ARM), credit unions, financial institutions, mortgage servicing, consumer healthcare, insurance, and diversified retail.
Service Coverage
- REPAY operates primarily as a U.S.-focused payments technology company, serving customers nationwide across all 50 states, with a growing Canadian footprint through its REPAY Canada Solutions subsidiary and a small international workforce presence.
- The company maintains its headquarters in Atlanta, GA, with additional U.S. offices in Bettendorf, IA; Tempe, AZ; Chattanooga, TN; San Antonio, TX; Sarasota, FL; and Kentwood, MI.
Partnerships
- REPAY's go-to-market strategy is heavily built around software integration partnerships, with approximately 280 integrated software partner relationships as of year-end 2024 (growing to 283+ by Q1 2025) across loan management systems, dealer management systems, ERP software, and collections platforms.
- Notable named integrations and partnerships include MeridianLink (credit unions and financial institutions), Lightspeed DMS (recreational vehicle/powersports/marine dealers), AKUVO (collections management for financial institutions), Blackbaud Financial Edge NXT (as the exclusive embedded vendor payment solution), Yooz (AP automation), Maxyfi (collections/ARM software), Emotive Software (automotive finance), and Tekion (automotive dealer management).
Company Size & Ownership
- REPAY (NASDAQ: RPAY) was founded in 2006 in Atlanta, GA (originally as M&A Ventures, LLC) and went public in July 2019 via a SPAC merger with Thunder Bridge Acquisition Ltd. The company reported full-year 2024 revenue of approximately $313 million and full-year 2025 revenue of approximately $309 million, with the KUBRA acquisition (closed June 2026 for $372 million) projected to roughly double annual revenue and push combined annualized payment volume to over $130 billion.
- Employee count estimates vary by source (approximately 486–512 per Pitchbook/Mergr as of recent filings, growing to over 1,100 post-KUBRA per workforce data), reflecting the significant expansion from the KUBRA deal.
Compliance & Certifications
- REPAY holds SOC 1 Type 2 and SOC 2 Type 2 audit certifications, which it completes annually as attestations to its operating standards.
- The company is a PCI Level 1 Service Provider — the most rigorous PCI-DSS designation available — and completes annual PCI audits; it also monitors and adheres to NACHA operating rules for ACH payments.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
20 offeringsACH Processing
REPAY's ACH processing solution offers faster and safer transactions than paper checks, enabling same-day transactions, reliable recurring payments, and low transaction fees. It is integrated into the broader payment acceptance platform for streamlined operations.
Clearing and Settlement
REPAY's Clearing and Settlement solution provides ISOs and Payfacs with full-service, end-to-end payment processing, next-day funding, chargeback management, and custom reporting through a proprietary platform. As one of the only independent clearing and settlement providers in the market, REPAY has relationships with over a dozen acquiring banks, offering front-end capabilities from multiple providers. The platform supports both retail ISOs transitioning to processing ISOs and established payment facilitators.
ClickToPay
ClickToPay is REPAY's proprietary one-click payment solution that enables customers to pay an invoice or bill with a single click. It is designed to streamline accounts receivable payment collection, improve the customer experience, and speed up time to revenue.
Debit and Credit Card Processing
REPAY's debit and credit card processing allows customers to pay anytime, anywhere through any payment channel. It is designed to improve cash flow and increase on-time payments by supporting multiple card types across all channels.
Digital Wallet Services
REPAY's Digital Wallet Services enable customers to pay quickly and easily using payment data securely stored in the digital wallets on their mobile devices. This provides a seamless, contactless payment experience for end users.
Early Funding
REPAY's Early Funding solution allows ISOs to offer merchants same-day and next-day funding options with flexible batch cutoff times through an 8 a.m. CT ACH cycle. It provides accelerated access to funds, flexible closing schedules for merchants, simplified ACH reporting, and realtime visibility into ACH insights within the Elevate portal.
eCash
REPAY's eCash solution allows customers who prefer to pay with cash to convert their cash payments into digital transactions that sync directly to the business's system. It reduces the hassle and risk associated with handling physical cash.
Elevate Portal
Elevate is REPAY's secure, single sign-on online portal that provides ISOs and merchants with realtime transaction visibility, robust reporting, online merchant boarding and maintenance via API, webhook alerts for chargeback notifications, and configurable risk parameters. It is part of the Clearing and Settlement platform.
Instant Funding
REPAY Instant Funding enables lenders to disburse loan funds digitally to borrower debit cards and prepaid cards in minutes through the Visa and Mastercard global networks, available 24/7 including holidays and weekends. After initial funding, card data is automatically validated and securely tokenized for faster future funding and convenient loan repayment. Identity Validation Services verify borrower identity before funds are released to prevent fraud.
Messaging Management
REPAY's Messaging Management solution is a multi-channel communication platform that allows businesses to send statements, payment reminders, notices, and documents to customers via email, text, mobile, and online portals. The platform integrates with existing CRM systems and supports automated message triggering based on customer status, account activity, and business rules, including direct links to payment portals for debit card, credit card, or ACH payments. It also supports on-demand printing and mailing of physical documents such as statements, letters, checks, and tax forms.
Online Portal (EBPP)
REPAY's electronic bill presentment and payment (EBPP) platform is a secure online payment portal that allows customers to log in and pay using their preferred payment method. It is designed to increase on-time payments and improve the customer experience through a flexible bill payment system.
Pay-By-Link
Pay-By-Link offers customers a self-serve way to pay using any payment method through a shared link, increasing on-time payments while reducing agent touchpoints to sensitive data. It is designed to prioritize customer convenience and minimize friction in the payment process.
Payment Acceptance
REPAY's Payment Acceptance solution enables businesses to offer customers flexible, omni-channel payment options including credit and debit cards, ACH, digital wallets, and cash conversion. The platform integrates with existing software to maintain secure cash flow and improve operational efficiency. It includes features like automatic card data updates via Active Safe, identity validation, and robust reporting dashboards.
Phone / IVR and REPAY Voice
REPAY offers both standard Interactive Voice Response (IVR) and AI-powered REPAY Voice for phone-based payments. REPAY Voice is purpose-built for consumer lending and collections, allowing callers to speak naturally instead of navigating button menus, reducing call abandonment and lowering call center volume without requiring new app development.
REPAY Identity Validation Services
REPAY Identity Validation Services add a configurable layer of fraud protection by confirming that the name on a card or bank account matches the name on the loan before a payment is processed or funding is released. It validates across new loan originations, instant funding transactions, ACH credits, and one-time or scheduled payments without adding friction to existing workflows.
REPAYFac Program
The REPAYFac program is a strategic growth engine designed for new and established payment facilitators, delivering interoperability, scale, and oversight across their payment ecosystems. It is built to promote revenue growth and accelerate channel expansion for Payfac clients.
REPAYit Mobile App
REPAYit is a configurable, contactless mobile payment application available for both Apple and Android devices. It enables businesses to accept payments quickly and allows customers to make payments anytime, anywhere from their mobile device.
Text Pay
Text Pay is a payment collection tool that harnesses SMS to allow customers to make payments with a finger tap after a brief SMS verification. It is designed to improve the collection process by leveraging the convenience and responsiveness of texting.
Vendor Enablement
REPAY's Vendor Enablement service onboards vendors on behalf of clients by contacting each vendor to identify their payment preferences and getting them set up quickly. REPAY's dedicated enrollment team stores and protects all vendor payment data and tracks changes to payment information.
Vendor Payment Automation (TOTALPAY)
REPAY's Vendor Payment Automation platform, branded as TOTALPAY, automates outbound accounts payable payments to vendors and individuals by integrating with existing accounting software or ERP systems. It supports virtual cards, ACH, and other digital payment methods to eliminate paper checks, reduce manual processing, and generate rebates. A dedicated vendor enablement team handles vendor onboarding and payment data management on behalf of clients.
Considering REPAY?
Our team will work with you to determine if REPAY is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.