强大的企业支付提供一站式B2B支付解决方案提供商代表客户自动报告和对账多种支付选项包括虚拟卡和跨境供应商管理客户返利深度ERP集成多种支付方式跟踪与对账高度安全的应收账款自动化应付账款自动化TotalPay解决方案现金流入现金流出买方供应商

3 附录

2024 年第二季度财务更新说明：对比无意义（NM）运营费用包括销售和收购以及与非现金减值损失、应收税负债公允价值变动、或有对价公允价值变动、债务清偿损失和其他收入/支出相关的费用参见幻灯片23上的 “调整后息税折旧摊销前利润对账”，了解调整后息税折旧摊销前利润与其最具可比性的公认会计原则指标的对账见幻灯片25上的 “调整后净收益对账” 调整后净收益与其最具可比性的GAAP的比例衡量标准参见幻灯片26上的 “自由现金流对账”，了解截至6月30日的三个月，自由现金流与其最具可比性的公认会计准则指标的对账情况 2024年百万美元金额百分比收入74.9 71.8美元 3.1 4% 服务成本 16.3 16.8 (0.5) (3%) 毛利润58.6美元 54.9美元 3.6% 运营费用 (1) 38.6 34.5 4.1 12% 息税折旧摊销前利润20.0美元 (0.5美元) (2%) 折旧和摊销 26.8 26.5 0.3 1% 利息支出（收入），净额（0.6）0.4（0.9）百万所得税支出（收益）（2.0）（1.1）（0.9）Nm 净收益（亏损）（4.2 美元）（5.3 美元）1.1 美元 21% 调整后息税折旧摊销前利润（2）33.7 美元30.5 美元 3.2 10% 调整后净收益 (3) 21.8 美元 19.5 美元 2.3 12% 自由现金流 (4) 19.3 美元 10.0 美元 9.3 93%

2024年第二季度及年初至今调整后的息税折旧摊销前利润对账截至2024年和2023年6月30日的三个月和六个月中，反映了通过与Thunder Bridge的业务合并获得的客户关系、非竞争协议、软件和渠道关系无形资产的摊销，以及通过REPAY收购TriSource Solutions、APS Payments、Ventanex、CPayPlus、CPS Payments获得的软件无形资产的摊销 BillingTree、Kontrol Payables 和 Payix。该调整不包括在正常业务过程中收购的其他无形资产的摊销，例如资本化的内部开发软件和购买的软件。反映了与处置蓝牛相关的确认损失。反映了与Media Payments的商品名注销相关的减值损失。反映了管理层对与应收税协议相关的负债公允价值估计的变化。表示与股权薪酬计划相关的薪酬支出。主要包括（i）在截至2024年6月30日的三个月和六个月中，与先前交易相关的专业服务费，以及（ii）在截至2023年6月30日的三和六个月中，专业服务费和其他与处置Blue Cow Software相关的费用。反映了与业务重组、与处理服务相关的咨询费用以及其他运营改进（包括与收购业务相关的重组和整合活动）相关的成本，这些成本在截至2024年6月30日和2023年6月30日的三和六个月中未进入正常水平。在截至2024年6月30日的三个月和六个月中，反映了特许经营税和其他非所得税、非经常性法律和其他诉讼费用以及向第三方支付的与我们的IT安全和人员有关的款项。在截至2023年6月30日的三个月和六个月中，反映了因我们的人员扩张而向第三方支付的非经常性款项、对某些合作伙伴的一次性付款、特许经营税和其他非所得税。2024 年第二季度年初至今 2024 年第二季度年初至今 2023 年净收益（亏损）（4.2 美元）（5.3 美元）（9.6 美元）（33.3 美元）利息支出（收入），净额（0.6）0.4 (0.9) 1.3 折旧和摊销 (1) 26.8 26.5 53.8 52.6 52.6 所得税支出（收益）(2.0) (1.1) (1.7) 3.3 息税折旧摊销前利润 20.5 美元 41.6 美元亏损关于业务处置 (2) — 0.1 — 10.0 非现金减值损失 (3) — 0.1 — 0.1 资产和负债公允价值的非现金变动 (4) 3.4 (4.1) 6.3 0.5 基于股份的薪酬支出 (5) 5.9 6.5 6.5 12.8 10.6 交易费用 (6) 0.4 0.8 1.1 6.8 重组和其他战略计划成本 (7) 2.6 4.0 4.8 5.5 其他非经常性费用 (8) 1.5 2.5 2.7 4.1 调整后的息税折旧摊销前利润 33.7 美元 30.5 美元 69.2 61.5 美元

2023年全年调整后的息税折旧摊销前利润对账截至2023年和2022年12月31日的年度，反映了通过与Thunder Bridge的业务合并获得的客户关系、非竞争协议、软件和渠道关系无形资产的摊销，以及通过REPAY收购TriSource Solutions、APS Payments、Ventanex、CPAYPlus、CPS Payments、BillingTree、KonlingTree获得的软件无形资产的摊销控制 Payables 和 Payix。这一调整不包括在正常业务过程中收购的其他无形资产的摊销，例如资本化的内部开发软件和购买的软件。反映了与Blue Cow的处置相关的已确认损失。反映了管理层对与先前收购相关的未来现金对价的估计与截至最近资产负债表日的估计金额相比的变化。截至2023年12月31日的财年，反映了与商业支付板块相关的非现金商誉减值损失以及与Media Payments商品名注销相关的非现金减值损失。截至2022年12月31日的财年，反映了与BillingTree和Kontrol的商品名称注销相关的非现金减值损失。截至2023年12月31日的财年，反映了管理层对（i）与应收税协议相关的负债的公允价值以及（ii）非现金保险准备金估计的变化。截至2022年12月31日的财年，反映了管理层对与应收税协议相关的负债公允价值估计的变化。表示与股权薪酬计划相关的薪酬支出。主要包括（i）截至2023年12月31日的年度中，与处置蓝牛软件相关的专业服务费和其他费用，以及（ii）在截至2022年12月31日的年度中，与收购BillingTree、Kontrol Payables和Payix相关的专业服务费和其他成本。反映了与业务重组、与处理服务相关的咨询费用以及其他运营改进（包括与收购业务相关的重组和整合活动）相关的成本，这些成本在截至2023年12月31日和2022年12月31日的年度中不在正常范围内。在截至2023年12月31日的年度中，反映了因我们的人员扩张而向第三方支付的款项、特许经营税和其他非收入税收以及向某些合作伙伴一次性付款。截至2022年12月31日的财年，反映了对某些客户和合作伙伴的一次性付款、与我们的人员大幅扩张相关的向第三方支付的款项、特许经营税和其他非所得税、与 COVID-19 相关的其他款项以及非现金租金支出。从截至2023年12月31日的期间开始，不再反映非现金租金支出。百万美元2023财年净收益（亏损）（117.4美元）8.7美元利息支出（收益），净1.0 4.2折旧和摊销（1）103.9 107.8所得税支出（收益）（2.1）6.2 息税折旧摊销前利润（14.6美元）126.9美元业务处置损失（2）10.0 — 或有对价公允价值的非现金变动（3）—（3.3）非现金减值损失（4）) 75.8 8.1 资产和负债公允价值的非现金变动 (5) 7.5 (66.9) 基于股份的薪酬支出 (6) 22.2 20.5 交易费用 (7) 8.5 19.0 19.0 重组和其他战略计划成本 (8) 11.9 7.9 其他非经常性费用 (9) 5.5 12.3 调整后的息税折旧摊销前利润 126.8 美元 124.5 美元

季度调整后净收益对账截至2024年和2023年6月30日的三个月，反映了通过与Thunder Bridge业务合并获得的客户关系、非竞争协议、软件和渠道关系无形资产的摊销，以及通过REPAY收购TriSource Solutions、APS Payments、Ventanex、CPAYPlus、CPS Payments、BillingTree、Kontrol Payments、BillingTree、Kontrol Payments、Kontrol Payments、BillingTree、Kontrol Payments、Kontrol Payments、BillingTree、Kontrol ables 和 Payix。该调整不包括在正常业务过程中收购的其他无形资产的摊销，例如资本化的内部开发软件和购买的软件。反映了与处置蓝牛相关的确认损失。反映了与Media Payments的商品名注销相关的减值损失。反映了管理层对与应收税协议相关的负债公允价值估计的变化。表示与股权薪酬计划相关的薪酬支出。主要包括（i）在截至2024年6月30日的三个月中，与先前交易相关的专业服务费，以及（ii）在截至2023年6月30日的三个月中，与处置Blue Cow Software相关的专业服务费和其他费用。反映了与业务重组、与处理服务相关的咨询费用以及其他运营改进（包括与收购业务相关的重组和整合活动）相关的成本，这些成本在截至2024年6月30日和2023年6月30日的三个月中不在正常范围内。在截至2024年6月30日的三个月中，反映了特许经营税和其他非所得税、非经常性法律和其他诉讼费用以及向第三方支付的与我们的信息技术安全和人员有关的款项。在截至2023年6月30日的三个月中，反映了因我们的人员扩张而向第三方支付的非经常性款项、对某些合作伙伴的一次性付款、特许经营税和其他非所得税。代表非现金递延债务发行成本的摊销。代表与上述调整项目相关的预计所得税调整影响。（百万美元）2024 年第二季度第二季度净收益（亏损）（4.2 美元）（5.3 美元）收购相关无形资产摊销（1）19.7 21.0 业务处置损失（2）— 0.1 非现金减值损失（3）— 0.1 资产负债公允价值的非现金变动（4）3.4（4.1）基于股份的薪酬支出（5）5.9 6.5 交易费用（6）0.4 0.8 重组及其他战略计划成本 (7) 2.6 4.0 其他非经常性费用 (8) 1.5 2.5 非现金利息支出 (9) 0.7 0.7 按实际税率计算的预计税 (10) (8.1) (6.9) (6.9) 调整后净收入 21.8 美元 19.5 美元

2021 年 2022 2023 年全年自由现金流对账百万美元第一季度第二季度第四季度第二季度第三季度第四季度第一季度第三季度第四季度第一季度第 2021 季度第二季度第四季度运营活动提供的净现金 4.8 美元 12.1 美元 14.6 美元 21.8 美元 13.8 美元 13.8 美元 25.3 美元 21.8 美元 20.0 美元 34.9 美元 34.9 美元 31.0 美元 53.3 美元资本支出为财产和设备支付的现金 (0.6) (0.3) (0.9) (0.9) (0.6) (1.3) (0.8) (0.6) (0.5) 0.4 (0.9) (0.1) (0.5) (2.9) (3.2) (0.7) (2.9) (3.2) (0.7) (0.7) (0.7) (1.7) (7.4) (13.2) (7.2) (13.2)) (10.4) (13.1) (12.9) (11.0) (11.2)(20.6) (33.6) (50.1) 总资本支出 (5.2) (5.5) (6.1) (6.7) (7.6) (6.3) (9.5) (7.9) (13.0) (14.0) (14.0) (13.1) (11.1) (11.7) (23.5) (36.8) (50.8) 自由现金流 (0.4 美元) (6.6) 8.5 美元 15.2 美元 7.0 $15.9 $13.9 $7.1 $10.0 $13.9 $13.9 $13.7 $19.3 $29.8 37.4 52.8 调整后的息税折旧摊销前利润 $20.5 $20.5 $27.8 29.3 $27.6 $31.7 35.9 30.9 30.3 31.9 33.5 $33.7 93.2 $124.5 $126.8 32% (2%) 32% 35.9 $30.9 30.3 31.9 33.5 $33.7 $124.5 $126.8 32% 25.8 32% 35.8 32% 35.8 1% 25% 50% 39% 23% 33% 44% 65% 38% 57% 32% 30% 42% 从 2023 年第三季度开始的历史时期反映了为无形资产支付的现金不包括作为渠道关系资本化的收购成本代表自由现金流/调整后的息税折旧摊销前利润 2023年第二季度2024年第二季度净现金流40.8 55.8美元资本支出支付的不动产和设备现金 (0.1) (0.6) 为资本化软件开发成本 (23.6) (22.2) 总资本支出 (23.7) (22.8) 自由现金流 17.1 美元调整后息税折旧摊销前利润 63.0 美元 1.5 69.2 美元自由现金流转换 (2) 28% 48%

折旧和摊销明细附注调整后的净收益经过调整，将所有与收购相关的无形资产的摊销排除在外，因为此类金额的金额和频率不一致，并且受到收购时间和/或规模的重大影响（参见上文提出的净收入与调整后净收益对账中的相应调整）。管理层认为，与收购相关的无形摊销的调整是对GAAP财务指标的补充，因为它可以提高经营业绩的可比性。尽管REPAY将收购相关无形资产的摊销排除在非公认会计准则支出中，但管理层认为，投资者必须明白，此类无形资产是作为购买会计的一部分记录的，有助于创收。与过去收购相关的无形资产将在未来时期重复摊销，直到此类无形资产全部摊销为止。任何未来的收购都可能导致额外的无形资产摊销 2024年第二季度2023年第二季度与收购相关的无形资产 19.7 美元 21.0 美元软件 6.9 4.8 摊销 26.6 美元 25.7 美元折旧 0.2 0.7 折旧和摊销总额 26.8 26.5 美元

2024 年第二季度收入和毛利增长对账百万美元消费者支付业务支付公司总收入增长 5% 8% 4% 收购/（剥离）影响不适用 n/a 有机收入增长 5% 8% 4% 政治媒体贡献/（影响）n/a 8% 有机收入增长，不包括政治媒体 5% 0% 3% 2024 年第二季度百万美元消费者支付业务支付公司总毛利增长 7% 11% 7% 收购/（剥离）影响 n/a 不适用 n/a 有机毛利润影响 n/a n/a 不适用 n/a 有机毛利增长 7% 11% 7% 政治媒体贡献/（影响力）n/a 9% 2% 有机国内生产总值增长，不包括政治媒体 7% 2% 5%

2023 年毛利增长对账表 2024 年第一季度第二季度第三季度第四财年第一季度年初至今毛利增长 11% 8% 3% 2% 6% 9% 7% 8% 8% 收购/（剥离）影响 (2%) (6%) (6%) (4%) (2%) n/a (1%) 有机毛利增长 13% 12% 9% 9% 10% 11% 7% 9% 政治媒体贡献/（影响）( )

历史细分市场详情备注：历史时段反映了2022年消费者支付和商业支付板块之间收入和毛利的重新分类 2022年2023年全年第一季度第二季度第四季度第二季度第四季度2023年第一季度第二季度消费者支付 61.1 59.8 美元 63.0 64.3 69.9 65.9 68.7 76.1 69.3 $248.2 $275.7 $275.7 69.3 $275.7 $275.7 Business Payments 8.9 9.9 9.9 $275.7 11.4 12.3 8.7 9.8 9.7 9.9 9.7 10.6 42.6 38.1 公司间清除 (2.4) (2.3) (2.9) (4.0) (4.1) (4.0) (5.0) (5.0) (5.0) (11.6) (17.1) 收入 67.6 6美元 67.6 71.6 72.7 74.5 71.8 76.0 74.9 74.9 美元 279 美元.2 296.6 美元消费者支付 47.5 46.1 49.7 美元 53.1 美元 54.6 美元 53.6 美元 59.6 美元 59.6 美元 195.5 美元 216.1 商业付款 5.9 7.0 8.1 8.6 6.0 7.2 7.2 7.0 7.0 8.0 8.0 30.4 28.0 公司间清除 (2.4) (2.3) (4.0) (4.0) (5.0) (5.0) (11.6) (176) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (17.6) (.1) 毛利 51.0 美元 50.7 美元 54.9 美元 57.8 美元 56.6 56.7 58.7 美元 61.5 美元 214.4 美元 226.9 美元消费者支付 77.8% 77.0% 79.0% 78.1% 78.1% 78.4% 78.0% 78.0% 78.3% 78.3% 78.4% 79.5% 73.3% 74.1% 73.1% 73.3% 74.1% 76.6% 72.8% 75.7% 71.4% 73.5% 毛利率 75.5% 75.2%76.8% 79.5% 75.9% 76.5% 76.3% 77.3% 76.2% 78.2% 76.8% 76.8% 76.5%

FY 2024 Outlook Bridge Free Cash Flow Conversion represents Free Cash Flow / Adjusted EBITDA. See slide 1 under “Non-GAAP Financial Measures” and slides 24 & 26 for reconciliations Free Cash Flow Conversion (1) Gross Profit & Adjusted EBITDA $245 - $250 $139 - $142 Adjusted EBITDA to grow faster than Gross Profit… (In $ Millions) … combined with Capex reduction, FCF Conversion to accelerate ~

History of Sustained Growth Across All Key Metrics… Gross Profit (1) Revenue (1) Free Cash Flow (2) Adjusted EBITDA(2) (In $ Millions) (In $ Millions) (In $ Millions) (In $ Millions) 15% CAGR 43% CAGR (3) Consumer Payments Business Payments Consolidated Consolidated totals include the elimination of intersegment revenues Adjusted EBITDA and Free Cash Flow are non-GAAP financial measures. See slide 1 under “Non-GAAP Financial Measures” and slides 23 & 26 for reconciliations. For historical periods shown with respect to Adjusted EBITDA, see the reconciliations provided in the Company’s previous reported earnings releases and filings on Form 10-K or Form 10-Q with respect to such period ended. CAGR is from Q2 2021 to Q2 2024 17% CAGR 17% CAGR

…With Expanding Gross Profit Margins and FCF Conversion FCF Conversion (1) Gross Profit Margin Free Cash Flow Conversion represents Free Cash Flow / Adjusted EBITDA. Free Cash Flow Conversion is non-GAAP financial measure. See slide 1 under “Non-GAAP Financial Measures” and slide 26 for reconciliation

2 Strategy & Business Updates

Acquire New Clients in Existing Verticals With Our 1H 2024 Performance We SeeMultiple Levers to Continue to Drive Growth 1H 2024 Organic GP Growth 9% EXECUTE ON EXISTING BUSINESS BROADENING ADDRESSABLE MARKET AND SOLUTIONS REPAY’s leading platform & attractive market opportunity position it to build on its record of robust growth & profitability Operational Efficiencies Expand Usage and Increase Adoption Strategic M&A Future Market Expansion Opportunities Majority of Consumer Payments growth from further penetration of existing client base Majority of Business Payments growth from acquiring new clients

ADDED NEW CLIENTS VIA DIRECT SALESFORCE ACROSS ALL VERTICALS 273 SOFTWARE PARTNER RELATIONSHIPS(1), INCLUDING: As of 6/30/2024 Third-party research and management estimates as of 6/30/2024 Pro forma total liquidity represents cash balance as of 6/30/2024 plus undrawn $250 million revolver facility that was upsized on 7/10/2024. See slide 8 for further information Executing on Growth Plan BROADEN ADDRESSABLE MARKET AND SOLUTIONS ERP & accounting software integrations provide vertical agnostic opportunities Expanded TAM to ~$5.2 trillion(2) through strategic M&A Continuing to grow existing relationships and add new opportunities within existing verticals & ISVs Cash on balance sheet and revolving credit facility gives the Company ample PF liquidity of $392 million(3) to pursue our capital allocation initiatives such as investing in organic growth, balancing reduction of net leverage, while managing our convertible liability, and potentially pursuing M&A Continuing to thoughtfully invest in new product and research & development capabilities EXPANDING EXISTING BUSINESS CONSUMER PAYMENTS BUSINESS PAYMENTS Ended Q2 2024 with 300 credit union clients VISA ACCEPTANCE FASTRACK PROGRAM

Ample Runway in Consumer Payments Third-party research and management estimates as of 6/30/2024 Evolving consumer preferences and technology are requiring clients to embrace payment digitization TOTAL ADDRESSABLE MARKET(1) $1.8Tn VERTICAL END MARKETS 6 ISV INTEGRATION PARTNERS 175 REPAY’s integrated payment processing platform automates and modernizes our clients' operations, resulting in increased cash flow, lower costs, and improved customer experience Loan repayments expertise is core to our efficiency: from tokenization to our clearing & settlement engine Instant Funding accelerates the time at which borrowers receive loans while increasing digital repayments Multipronged go-to-market approach leverages both direct and indirect sales Continuing to invest into deeper ISV integrations, product innovation, and vertical specific technologies

Consumer Payments Offering Omnichannel Capabilities across Modalities Clients in REPAY’s verticals look to partner with innovative vendors that can provide evolving payment functionality and acceptance solutions Credit and Debit Card Processing ACH Processing Instant Funding eCash New & Emerging Payments Virtual Terminal IVR / Phone Pay Mobile Application Web Portal / Online Bill Pay Hosted Payment Page POS Equipment Text Pay PAYMENT MODALITIES PAYMENT CHANNELS REPRESENTATIVE CLIENTS

REPAY’s Growing Business Payments Segment Third-party research and management estimates as of 6/30/2024 $1.2Tn total addressable market Integrations with leading ERP platforms, serving a highly diversified client base across a wide range of industry verticals Expanded into B2B vertical via APS acquisition Cross sell initiative happening within Sage and Acumatica ERPs to add AP solutions TOTAL ADDRESSABLE MARKET(1) $3.4Tn VERTICAL END MARKETS 15+ SUPPLIER NETWORK 300,000+ B2B INTEGRATED SOFTWARE PARTNERS 98 Combined AR and AP automation solution provides a compelling value proposition to clients $2.2Tn total addressable market Fully integrated AP automation platform with electronic payment capabilities including virtual cards and ACH Expanded into AP automation vertical via cPayPlus, CPS, and Kontrol acquisitions Entered the B2B healthcare space through Ventanex acquisition B2B Merchant Acquiring B2B AP Automation

Powerful Business Payments Offering One-stop-shop B2B payments solutions provider REPRESENTATIVE CLIENTS Automated Reporting and Reconciliation Multiple Payment Options Including Virtual Card and Cross Border Vendor Management Client Rebates Deep ERP Integrations Multiple Payment Methods Tracking and Reconciliation Highly Secure ACCOUNTS RECEIVABLE AUTOMATION ACCOUNTS PAYABLE AUTOMATION TotalPay Solution Cash Inflow Cash Outflow Buyers Suppliers

3 Appendix

Q2 2024 Financial Update Note: Not meaningful (NM) for comparison Operating expenses includes SG&A and expenses associated with non-cash impairment loss, the change in fair value of tax receivable liability, change in fair value of contingent consideration, loss on extinguishment of debt, and other income / expenses See “Adjusted EBITDA Reconciliation” on slide 23 for reconciliation of Adjusted EBITDA to its most comparable GAAP measure See “Adjusted Net Income Reconciliation” on slide 25 for reconciliation of Adjusted Net Income to its most comparable GAAP measure See “Free Cash Flow Reconciliation” on slide 26 for reconciliation of Free Cash Flow to its most comparable GAAP measure THREE MONTHS ENDED JUNE 30 CHANGE $MM 2024 2023 AMOUNT %           Revenue $74.9 $71.8 $3.1 4% Costs of Services 16.3 16.8 (0.5) (3%) Gross Profit $58.6 $54.9 $3.6 7% Operating Expenses(1) 38.6 34.5 4.1 12% EBITDA $20.0 $20.5 ($0.5) (2%) Depreciation and Amortization 26.8 26.5 0.3 1% Interest Expense (Income), net (0.6) 0.4 (0.9) NM Income Tax Expense (Benefit) (2.0) (1.1) (0.9) NM Net Income (Loss) ($4.2) ($5.3) $1.1 21% Adjusted EBITDA(2) $33.7 $30.5 $3.2 10% Adjusted Net Income(3) $21.8 $19.5 $2.3 12% Free Cash Flow(4) $19.3 $10.0 $9.3 93%

Q2 & YTD 2024 Adjusted EBITDA Reconciliation For the three and six months ended June 30, 2024 and 2023, reflects amortization of client relationships, non-compete agreement, software, and channel relationship intangibles acquired through the business combination with Thunder Bridge, and client relationships, non-compete agreement, and software intangibles acquired through REPAY's acquisitions of TriSource Solutions, APS Payments, Ventanex, cPayPlus, CPS Payments, BillingTree, Kontrol Payables and Payix. This adjustment excludes the amortization of other intangible assets which were acquired in the regular course of business, such as capitalized internally developed software and purchased software Reflects the loss recognized related to the disposition of Blue Cow. Reflects impairment loss related to a trade name write-off of Media Payments. Reflects the changes in management’s estimates of the fair value of the liability relating to the Tax Receivable Agreement. Represents compensation expense associated with equity compensation plans. Primarily consists of (i) during the three and six months ended June 30, 2024, professional service fees incurred in connection with prior transactions, and (ii) during the three and six months ended June 30, 2023, professional service fees and other costs incurred in connection with the disposition of Blue Cow Software. Reflects costs associated with reorganization of operations, consulting fees related to processing services and other operational improvements, including restructuring and integration activities related to acquired businesses, that were not in the ordinary course during the three and six months ended June 30, 2024 and 2023. For the three and six months ended June 30, 2024, reflects franchise taxes and other non-income based taxes, non-recurring legal and other litigation expenses and payments made to third-parties in connection with our IT security and personnel. For the three and six months ended June 30, 2023, reflects non-recurring payments made to third-parties in connection with an expansion of our personnel, one-time payments to certain partners and franchise taxes and other non-income based taxes. $MM Q2 2024 Q2 2023 YTD 2024 YTD 2023 Net Income (Loss) ($4.2) ($5.3) ($9.6) ($33.3) Interest Expense (Income), net (0.6) 0.4 (0.9) 1.3 Depreciation and Amortization(1) 26.8 26.5 53.8 52.6 Income Tax Expense (Benefit) (2.0) (1.1) (1.7) 3.3 EBITDA $20.0 $20.5 $41.6 $24.0 Loss on business disposition(2) – 0.1 – 10.0 Non-cash impairment loss (3) – 0.1 – 0.1 Non-cash change in fair value of assets and liabilities(4) 3.4 (4.1) 6.3 0.5 Share-based compensation expense(5) 5.9 6.5 12.8 10.6 Transaction expenses(6) 0.4 0.8 1.1 6.8 Restructuring and other strategic initiative costs(7) 2.6 4.0 4.8 5.5 Other non-recurring charges(8) 1.5 2.5 2.7 4.1 Adjusted EBITDA $33.7 $30.5 $69.2 $61.5

Full Year 2023 Adjusted EBITDA Reconciliation For the years ended December 31, 2023 and 2022, reflects amortization of client relationships, non-compete agreement, software, and channel relationship intangibles acquired through the business combination with Thunder Bridge, and client relationships, non-compete agreement, and software intangibles acquired through REPAY's acquisitions of TriSource Solutions, APS Payments, Ventanex, cPayPlus, CPS Payments, BillingTree, Kontrol Payables and Payix. This adjustment excludes the amortization of other intangible assets which were acquired in the regular course of business, such as capitalized internally developed software and purchased software. Reflects the loss recognized related to the disposition of Blue Cow. Reflects the changes in management’s estimates of future cash consideration to be paid in connection with prior acquisitions from the amount estimated as of the most recent balance sheet date. For the year ended December 31, 2023, reflects non-cash goodwill impairment loss related to the Business Payments segment and non-cash impairment loss related to a trade name write-off of Media Payments. For the year ended December 31, 2022, reflects non-cash impairment loss related to trade names write-offs of BillingTree and Kontrol. For the year ended December 31, 2023, reflects the changes in management’s estimates of (i) the fair value of the liability relating to the Tax Receivable Agreement, and (ii) non-cash insurance reserve. For the year ended December 31, 2022, reflects the changes in management’s estimates of the fair value of the liability relating to the Tax Receivable Agreement. Represents compensation expense associated with equity compensation plans. Primarily consists of (i) during the year ended December 31, 2023, professional service fees and other costs incurred in connection with the disposition of Blue Cow Software, and (ii) during the year ended December 31, 2022, professional service fees and other costs incurred in connection with the acquisitions of BillingTree, Kontrol Payables and Payix. Reflects costs associated with reorganization of operations, consulting fees related to processing services and other operational improvements, including restructuring and integration activities related to acquired businesses, that were not in the ordinary course during the years ended December 31, 2023 and 2022. For the year ended December 31, 2023, reflects payments made to third-parties in connection with an expansion of our personnel, franchise taxes and other non-income based taxes and one-time payments to certain partners. For the year ended December 31, 2022, reflects one-time payments to certain clients and partners, payments made to third-parties in connection with a significant expansion of our personnel, franchise taxes and other non-income based taxes, other payments related to COVID-19 and non-cash rent expense. Beginning in the period ended December 31, 2023, no longer reflects non-cash rent expense. $MM FY 2023 FY 2022 Net Income (Loss) ($117.4) $8.7 Interest Expense (Income), net 1.0 4.2 Depreciation and Amortization(1) 103.9 107.8 Income Tax Expense (Benefit) (2.1) 6.2 EBITDA ($14.6) $126.9 Loss on business disposition(2) 10.0 – Non-cash change in fair value of contingent consideration(3) – (3.3) Non-cash impairment loss (4) 75.8 8.1 Non-cash change in fair value of assets and liabilities(5) 7.5 (66.9) Share-based compensation expense(6) 22.2 20.5 Transaction expenses(7) 8.5 19.0 Restructuring and other strategic initiative costs(8) 11.9 7.9 Other non-recurring charges(9) 5.5 12.3 Adjusted EBITDA $126.8 $124.5

Quarterly Adjusted Net Income Reconciliation For the three months ended June 30, 2024 and 2023, reflects amortization of client relationships, non-compete agreement, software, and channel relationship intangibles acquired through the business combination with Thunder Bridge, and client relationships, non-compete agreement, and software intangibles acquired through REPAY's acquisitions of TriSource Solutions, APS Payments, Ventanex, cPayPlus, CPS Payments, BillingTree, Kontrol Payables and Payix. This adjustment excludes the amortization of other intangible assets which were acquired in the regular course of business, such as capitalized internally developed software and purchased software Reflects the loss recognized related to the disposition of Blue Cow. Reflects impairment loss related to a trade name write-off of Media Payments. Reflects the changes in management’s estimates of the fair value of the liability relating to the Tax Receivable Agreement. Represents compensation expense associated with equity compensation plans. Primarily consists of (i) during the three months ended June 30, 2024, professional service fees incurred in connection with prior transactions, and (ii) during the three months ended June 30, 2023, professional service fees and other costs incurred in connection with the disposition of Blue Cow Software. Reflects costs associated with reorganization of operations, consulting fees related to processing services and other operational improvements, including restructuring and integration activities related to acquired businesses, that were not in the ordinary course during the three months ended June 30, 2024 and 2023. For the three months ended June 30, 2024, reflects franchise taxes and other non-income based taxes, non-recurring legal and other litigation expenses and payments made to third-parties in connection with our IT security and personnel. For the three months ended June 30, 2023, reflects non-recurring payments made to third-parties in connection with an expansion of our personnel, one-time payments to certain partners and franchise taxes and other non-income based taxes. Represents amortization of non-cash deferred debt issuance costs. Represents pro forma income tax adjustment effect associated with items adjusted above. ($MM) Q2 2024 Q2 2023 Net Income (Loss)   ($4.2) ($5.3) Amortization of acquisition-related intangibles(1)   19.7 21.0 Loss on business disposition(2)   – 0.1 Non-cash impairment loss (3)   – 0.1 Non-cash change in fair value of assets and liabilities(4)   3.4 (4.1) Share-based compensation expense(5)   5.9 6.5 Transaction expenses(6)   0.4 0.8 Restructuring and other strategic initiative costs(7)   2.6 4.0 Other non-recurring charges(8)   1.5 2.5 Non-cash interest expense(9)   0.7 0.7 Pro forma taxes at effective rate(10) (8.1) (6.9) Adjusted Net Income   $21.8 $19.5

Free Cash Flow Reconciliation 2021 2022 2023 2024 Full Year $MM Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2021 2022 2023 Net Cash provided by Operating Activities $4.8 $12.1 $14.6 $21.8 $13.8 $13.3 $25.3 $21.8 $20.8 $20.0 $28.0 $34.9 $24.8 $31.0 $53.3 $74.2 $103.6 Capital expenditures                             Cash paid for property and equipment (0.6) (0.3) (0.9) (0.9) (0.6) (1.3) (0.8) (0.6) (0.5) 0.4 (0.9) (0.2) (0.1) (0.5) (2.9) (3.2) (0.7) Cash paid for capitalized software development costs (1) (4.6) (5.2) (5.2) (5.7) (7.0) (5.1) (8.7) (7.4) (13.2) (10.4) (13.1) (12.9) (11.0) (11.2) (20.6) (33.6) (50.1) Total capital expenditures (5.2) (5.5) (6.1) (6.7) (7.6) (6.3) (9.5) (7.9) (13.7) (10.0) (14.0) (13.1) (11.1) (11.7) (23.5) (36.8) (50.8) Free Cash Flow ($0.4) $6.6 $8.5 $15.2 $6.2 $7.0 $15.9 $13.9 $7.1 $10.0 $13.9 $21.8 $13.7 $19.3 $29.8 $37.4 $52.8 Adjusted EBITDA $20.5 $20.4 $24.5 $27.8 $29.3 $27.6 $31.7 $35.9 $30.9 $30.3 $31.9 $33.5 $35.5 $33.7 $93.2 $124.5 $126.8 Free Cash Flow Conversion(2) (2%) 32% 35% 54% 21% 25% 50% 39% 23% 33% 44% 65% 38% 57% 32% 30% 42% Historical periods beginning Q3 2023 reflect cash paid for intangibles assets that exclude acquisition costs that are capitalized as channel relationships Represents Free Cash Flow / Adjusted EBITDA Year to Date $MM Q2 2023 Q2 2024 Net Cash provided by Operating Activities $40.8 $55.8 Capital expenditures     Cash paid for property and equipment (0.1) (0.6) Cash paid for capitalized software development costs (23.6) (22.2) Total capital expenditures (23.7) (22.8) Free Cash Flow $17.1 $33.0 Adjusted EBITDA $61.5 $69.2 Free Cash Flow Conversion(2) 28% 48%

Depreciation and Amortization Detail Note Adjusted Net Income is adjusted to exclude amortization of all acquisition-related intangibles as such amounts are inconsistent in amount and frequency and are significantly impacted by the timing and/or size of acquisitions (see corresponding adjustments in the reconciliation of net income to Adjusted Net Income presented above). Management believes that the adjustment of acquisition-related intangible amortization supplements GAAP financial measures because it allows for greater comparability of operating performance. Although REPAY excludes amortization from acquisition-related intangibles from its non-GAAP expenses, management believes that it is important for investors to understand that such intangibles were recorded as part of purchase accounting and contribute to revenue generation. Amortization of intangibles that relate to past acquisitions will recur in future periods until such intangibles have been fully amortized. Any future acquisitions may result in the amortization of additional intangibles $MM Q2 2024 Q2 2023 Acquisition-related intangibles $19.7 $21.0 Software 6.9 4.8 Amortization $26.6 $25.7 Depreciation 0.2 0.7 Total Depreciation and Amortization $26.8 $26.5

Revenue and Gross Profit Growth Reconciliations Q2 2024 $MM Consumer Payments Business Payments Total Company Revenue Growth 5% 8% 4% Acquisitions / (Divestitures) impact n/a n/a n/a Organic Revenue Growth 5% 8% 4% Political Media contribution / (impact) n/a 8% 1% Organic Revenue Growth, excl. political media 5% 0% 3% Q2 2024 $MM Consumer Payments Business Payments Total Company Gross Profit Growth 7% 11% 7% Acquisitions / (Divestitures) impact n/a n/a n/a Organic Gross Profit Growth 7% 11% 7% Political Media contribution / (impact) n/a 9% 2% Organic GP Growth, excl. political media 7% 2% 5%

Gross Profit Growth Reconciliation 2023 2024 $MM Q1 Q2 Q3 Q4 FY Q1 Q2 YTD Gross Profit Growth 11% 8% 3% 2% 6% 9% 7% 8% Acquisitions / (Divestitures) impact (2%) (4%) (6%) (6%) (4%) (2%) n/a (1%) Organic Gross Profit Growth 13% 12% 9% 8% 10% 11% 7% 9% Political Media contribution / (impact) (

Historical Segment Details Note: Historical periods reflect the reclassification of revenue and gross profit between Consumer Payments and Business Payments segments 2022 2023 2024 Full Year $MM Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2022 2023 Consumer Payments $61.1 $59.8 $63.0 $64.3 $69.9 $65.9 $68.7 $71.1 $76.1 $69.3 $248.2 $275.7 Business Payments 8.9 9.9 11.4 12.3 8.7 9.8 9.7 9.9 9.7 10.6 42.6 38.1 Intercompany eliminations (2.4) (2.3) (2.9) (4.0) (4.1) (4.0) (4.1) (5.0) (5.1) (5.0) (11.6) (17.1) Revenue $67.6 $67.4 $71.6 $72.7 $74.5 $71.8 $74.3 $76.0 $80.7 $74.9 $279.2 $296.6 Consumer Payments $47.5 $46.1 $49.7 $53.1 $54.6 $51.7 $53.6 $56.2 $59.6 $55.5 $195.5 $216.1 Business Payments 5.9 7.0 8.1 8.6 6.0 7.2 7.2 7.5 7.0 8.0 30.4 28.0 Intercompany eliminations (2.4) (2.3) (2.9) (4.0) (4.1) (4.0) (4.1) (5.0) (5.1) (5.0) (11.6) (17.1) Gross Profit $51.0 $50.7 $54.9 $57.8 $56.6 $54.9 $56.7 $58.7 $61.5 $58.6 $214.4 $226.9 Consumer Payments 77.8% 77.0% 79.0% 82.6% 78.1% 78.4% 78.0% 79.0% 78.3% 80.2% 78.8% 78.4% Business Payments 66.5% 70.0% 70.4% 70.1% 69.5% 73.3% 74.1% 76.6% 72.8% 75.7% 71.4% 73.5% Gross Profit Margin 75.5% 75.2% 76.8% 79.5% 75.9% 76.5% 76.3% 77.3% 76.2% 78.2% 76.8% 76.5%