強大的企業支付提供一站式B2B支付解決方案提供商代表客户自動報告和對賬多種支付選項包括虛擬卡和跨境供應商管理客户返利深度ERP集成多種支付方式跟蹤與對賬高度安全的應收賬款自動化應付賬款自動化TotalPay解決方案現金流入現金流出買方供應商

3 附錄

2024 年第二季度財務更新説明：對比無意義（NM）運營費用包括銷售和收購以及與非現金減值損失、應收税負債公允價值變動、或有對價公允價值變動、債務清償損失和其他收入/支出相關的費用參見幻燈片23上的 “調整後息税折舊攤銷前利潤對賬”，瞭解調整後息税折舊攤銷前利潤與其最具可比性的公認會計原則指標的對賬見幻燈片25上的 “調整後淨收益對賬” 調整後淨收益與其最具可比性的GAAP的比例衡量標準參見幻燈片26上的 “自由現金流對賬”，瞭解截至6月30日的三個月，自由現金流與其最具可比性的公認會計準則指標的對賬情況 2024年百萬美元金額百分比收入74.9 71.8美元 3.1 4% 服務成本 16.3 16.8 (0.5) (3%) 毛利潤58.6美元 54.9美元 3.6% 運營費用 (1) 38.6 34.5 4.1 12% 息税折舊攤銷前利潤20.0美元 (0.5美元) (2%) 折舊和攤銷 26.8 26.5 0.3 1% 利息支出（收入），淨額（0.6）0.4（0.9）百萬所得税支出（收益）（2.0）（1.1）（0.9）Nm 淨收益（虧損）（4.2 美元）（5.3 美元）1.1 美元 21% 調整後息税折舊攤銷前利潤（2）33.7 美元30.5 美元 3.2 10% 調整後淨收益 (3) 21.8 美元 19.5 美元 2.3 12% 自由現金流 (4) 19.3 美元 10.0 美元 9.3 93%

2024年第二季度及年初至今調整後的息税折舊攤銷前利潤對賬截至2024年和2023年6月30日的三個月和六個月中，反映了通過與Thunder Bridge的業務合併獲得的客户關係、非競爭協議、軟件和渠道關係無形資產的攤銷，以及通過REPAY收購TriSource Solutions、APS Payments、Ventanex、CPayPlus、CPS Payments獲得的軟件無形資產的攤銷 BillingTree、Kontrol Payables 和 Payix。該調整不包括在正常業務過程中收購的其他無形資產的攤銷，例如資本化的內部開發軟件和購買的軟件。反映了與處置藍牛相關的確認損失。反映了與Media Payments的商品名註銷相關的減值損失。反映了管理層對與應收税協議相關的負債公允價值估計的變化。表示與股權薪酬計劃相關的薪酬支出。主要包括（i）在截至2024年6月30日的三個月和六個月中，與先前交易相關的專業服務費，以及（ii）在截至2023年6月30日的三和六個月中，專業服務費和其他與處置Blue Cow Software相關的費用。反映了與業務重組、與處理服務相關的諮詢費用以及其他運營改進（包括與收購業務相關的重組和整合活動）相關的成本，這些成本在截至2024年6月30日和2023年6月30日的三和六個月中未進入正常水平。在截至2024年6月30日的三個月和六個月中，反映了特許經營税和其他非所得税、非經常性法律和其他訴訟費用以及向第三方支付的與我們的IT安全和人員有關的款項。在截至2023年6月30日的三個月和六個月中，反映了因我們的人員擴張而向第三方支付的非經常性款項、對某些合作伙伴的一次性付款、特許經營税和其他非所得税。2024 年第二季度年初至今 2024 年第二季度年初至今 2023 年淨收益（虧損）（4.2 美元）（5.3 美元）（9.6 美元）（33.3 美元）利息支出（收入），淨額（0.6）0.4 (0.9) 1.3 折舊和攤銷 (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 息税折舊攤銷前利潤 20.5 美元 41.6 美元虧損關於業務處置 (2) — 0.1 — 10.0 非現金減值損失 (3) — 0.1 — 0.1 資產和負債公允價值的非現金變動 (4) 3.4 (4.1) 6.3 0.5 基於股份的薪酬支出 (5) 5.9 6.5 6.5 12.8 10.6 交易費用 (6) 0.4 0.8 1.1 6.8 重組和其他戰略計劃成本 (7) 2.6 4.0 4.8 5.5 其他非經常性費用 (8) 1.5 2.5 2.7 4.1 調整後的息税折舊攤銷前利潤 33.7 美元 30.5 美元 69.2 61.5 美元

2023年全年調整後的息税折舊攤銷前利潤對賬截至2023年和2022年12月31日的年度，反映了通過與Thunder Bridge的業務合併獲得的客户關係、非競爭協議、軟件和渠道關係無形資產的攤銷，以及通過REPAY收購TriSource Solutions、APS Payments、Ventanex、CPAYPlus、CPS Payments、BillingTree、KonlingTree獲得的軟件無形資產的攤銷控制 Payables 和 Payix。這一調整不包括在正常業務過程中收購的其他無形資產的攤銷，例如資本化的內部開發軟件和購買的軟件。反映了與Blue Cow的處置相關的已確認損失。反映了管理層對與先前收購相關的未來現金對價的估計與截至最近資產負債表日的估計金額相比的變化。截至2023年12月31日的財年，反映了與商業支付板塊相關的非現金商譽減值損失以及與Media Payments商品名註銷相關的非現金減值損失。截至2022年12月31日的財年，反映了與BillingTree和Kontrol的商品名稱註銷相關的非現金減值損失。截至2023年12月31日的財年，反映了管理層對（i）與應收税協議相關的負債的公允價值以及（ii）非現金保險準備金估計的變化。截至2022年12月31日的財年，反映了管理層對與應收税協議相關的負債公允價值估計的變化。表示與股權薪酬計劃相關的薪酬支出。主要包括（i）截至2023年12月31日的年度中，與處置藍牛軟件相關的專業服務費和其他費用，以及（ii）在截至2022年12月31日的年度中，與收購BillingTree、Kontrol Payables和Payix相關的專業服務費和其他成本。反映了與業務重組、與處理服務相關的諮詢費用以及其他運營改進（包括與收購業務相關的重組和整合活動）相關的成本，這些成本在截至2023年12月31日和2022年12月31日的年度中不在正常範圍內。在截至2023年12月31日的年度中，反映了因我們的人員擴張而向第三方支付的款項、特許經營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日的財年，反映了對某些客户和合作夥伴的一次性付款、與我們的人員大幅擴張相關的向第三方支付的款項、特許經營税和其他非所得税、與 COVID-19 相關的其他款項以及非現金租金支出。從截至2023年12月31日的期間開始，不再反映非現金租金支出。百萬美元2023財年淨收益（虧損）（117.4美元）8.7美元利息支出（收益），淨1.0 4.2折舊和攤銷（1）103.9 107.8所得税支出（收益）（2.1）6.2 息税折舊攤銷前利潤（14.6美元）126.9美元業務處置損失（2）10.0 — 或有對價公允價值的非現金變動（3）—（3.3）非現金減值損失（4）) 75.8 8.1 資產和負債公允價值的非現金變動 (5) 7.5 (66.9) 基於股份的薪酬支出 (6) 22.2 20.5 交易費用 (7) 8.5 19.0 19.0 重組和其他戰略計劃成本 (8) 11.9 7.9 其他非經常性費用 (9) 5.5 12.3 調整後的息税折舊攤銷前利潤 126.8 美元 124.5 美元

季度調整後淨收益對賬截至2024年和2023年6月30日的三個月，反映了通過與Thunder Bridge業務合併獲得的客户關係、非競爭協議、軟件和渠道關係無形資產的攤銷，以及通過REPAY收購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。該調整不包括在正常業務過程中收購的其他無形資產的攤銷，例如資本化的內部開發軟件和購買的軟件。反映了與處置藍牛相關的確認損失。反映了與Media Payments的商品名註銷相關的減值損失。反映了管理層對與應收税協議相關的負債公允價值估計的變化。表示與股權薪酬計劃相關的薪酬支出。主要包括（i）在截至2024年6月30日的三個月中，與先前交易相關的專業服務費，以及（ii）在截至2023年6月30日的三個月中，與處置Blue Cow Software相關的專業服務費和其他費用。反映了與業務重組、與處理服務相關的諮詢費用以及其他運營改進（包括與收購業務相關的重組和整合活動）相關的成本，這些成本在截至2024年6月30日和2023年6月30日的三個月中不在正常範圍內。在截至2024年6月30日的三個月中，反映了特許經營税和其他非所得税、非經常性法律和其他訴訟費用以及向第三方支付的與我們的信息技術安全和人員有關的款項。在截至2023年6月30日的三個月中，反映了因我們的人員擴張而向第三方支付的非經常性款項、對某些合作伙伴的一次性付款、特許經營税和其他非所得税。代表非現金遞延債務發行成本的攤銷。代表與上述調整項目相關的預計所得税調整影響。（百萬美元）2024 年第二季度第二季度淨收益（虧損）（4.2 美元）（5.3 美元）收購相關無形資產攤銷（1）19.7 21.0 業務處置損失（2）— 0.1 非現金減值損失（3）— 0.1 資產負債公允價值的非現金變動（4）3.4（4.1）基於股份的薪酬支出（5）5.9 6.5 交易費用（6）0.4 0.8 重組及其他戰略計劃成本 (7) 2.6 4.0 其他非經常性費用 (8) 1.5 2.5 非現金利息支出 (9) 0.7 0.7 按實際税率計算的預計税 (10) (8.1) (6.9) (6.9) 調整後淨收入 21.8 美元 19.5 美元

2021 年 2022 2023 年全年自由現金流對賬百萬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運營活動提供的淨現金 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 美元資本支出為財產和設備支付的現金 (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) 總資本支出 (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) 自由現金流 (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 調整後的息税折舊攤銷前利潤 $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% 從 2023 年第三季度開始的歷史時期反映了為無形資產支付的現金不包括作為渠道關係資本化的收購成本代表自由現金流/調整後的息税折舊攤銷前利潤 2023年第二季度2024年第二季度淨現金流40.8 55.8美元資本支出支付的不動產和設備現金 (0.1) (0.6) 為資本化軟件開發成本 (23.6) (22.2) 總資本支出 (23.7) (22.8) 自由現金流 17.1 美元調整後息税折舊攤銷前利潤 63.0 美元 1.5 69.2 美元自由現金流轉換 (2) 28% 48%

折舊和攤銷明細附註調整後的淨收益經過調整，將所有與收購相關的無形資產的攤銷排除在外，因為此類金額的金額和頻率不一致，並且受到收購時間和/或規模的重大影響（參見上文提出的淨收入與調整後淨收益對賬中的相應調整）。管理層認為，與收購相關的無形攤銷的調整是對GAAP財務指標的補充，因為它可以提高經營業績的可比性。儘管REPAY將收購相關無形資產的攤銷排除在非公認會計準則支出中，但管理層認為，投資者必須明白，此類無形資產是作為購買會計的一部分記錄的，有助於創收。與過去收購相關的無形資產將在未來時期重複攤銷，直到此類無形資產全部攤銷為止。任何未來的收購都可能導致額外的無形資產攤銷 2024年第二季度2023年第二季度與收購相關的無形資產 19.7 美元 21.0 美元軟件 6.9 4.8 攤銷 26.6 美元 25.7 美元折舊 0.2 0.7 折舊和攤銷總額 26.8 26.5 美元

2024 年第二季度收入和毛利增長對賬百萬美元消費者支付業務支付公司總收入增長 5% 8% 4% 收購/（剝離）影響不適用 n/a 有機收入增長 5% 8% 4% 政治媒體貢獻/（影響）n/a 8% 有機收入增長，不包括政治媒體 5% 0% 3% 2024 年第二季度百萬美元消費者支付業務支付公司總毛利增長 7% 11% 7% 收購/（剝離）影響 n/a 不適用 n/a 有機毛利潤影響 n/a n/a 不適用 n/a 有機毛利增長 7% 11% 7% 政治媒體貢獻/（影響力）n/a 9% 2% 有機國內生產總值增長，不包括政治媒體 7% 2% 5%

2023 年毛利增長對賬表 2024 年第一季度第二季度第三季度第四財年第一季度年初至今毛利增長 11% 8% 3% 2% 6% 9% 7% 8% 8% 收購/（剝離）影響 (2%) (6%) (6%) (4%) (2%) n/a (1%) 有機毛利增長 13% 12% 9% 9% 10% 11% 7% 9% 政治媒體貢獻/（影響）( )

歷史細分市場詳情備註：歷史時段反映了2022年消費者支付和商業支付板塊之間收入和毛利的重新分類 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費者支付 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 公司間清除 (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 美元消費者支付 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 商業付款 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 公司間清除 (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 美元消費者支付 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%