Repay Holdings Corp: directors' dealings · United States · SEC (Form 4)

About Repay Holdings Corp

Repay Holdings Corp. (NASDAQ: RPAY) is a U.S.-based payments technology company focused on integrated payment processing solutions for industry verticals with specialized transaction needs. Headquartered in Atlanta, Georgia, United States, the company traces its roots to 2006, when its legacy business was founded as M & A Ventures, LLC, doing business as REPAY: Realtime Electronic Payments. Since then, REPAY has built its franchise through a combination of organic expansion, product development, and acquisitions, with John Morris, the co-founder and CEO, remaining a key architect of the company’s long-term growth strategy. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1720592/000119312526215766/rpay-2026-ars-new.pdf)) REPAY operates through two core reporting segments. Consumer Payments provides payment processing solutions for consumer-facing use cases, including debit and credit card processing, ACH processing, other electronic payment acceptance tools, loan disbursement, and its clearing and settlement platform, RCS. The segment primarily serves verticals such as personal lending, auto lending, collections, healthcare, and mortgage servicing. Business Payments offers payment processing solutions for business-to-business workflows, including accounts payable automation, debit and credit card processing, virtual card payments, ACH, and other electronic payment methods. This verticalized model allows REPAY to embed its technology into specific workflows rather than compete only as a generic payments processor. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1720592/000119312526215766/rpay-2026-ars-new.pdf)) From a competitive standpoint, REPAY operates in a crowded payments and fintech landscape, where differentiation depends on integration depth, reliability, workflow automation, and the ability to serve complex end markets efficiently. The company emphasizes proprietary technology and integrated payment solutions designed to reduce complexity for both consumers and businesses. That positioning is important because REPAY’s customers often operate in regulated or process-heavy industries where payment acceptance, disbursement, and reconciliation must be tightly controlled. In 2025, the company reported total revenue of $309.3 million, with Consumer Payments remaining the main revenue engine. ([investors.repay.com](https://investors.repay.com/news-releases/news-release-details/repay-reports-fourth-quarter-and-full-year-2025-financial/)) Recent developments have been strategically meaningful. On March 30, 2026, REPAY announced a definitive agreement to acquire KUBRA Data Transfer LTD. for approximately $372 million, a transaction intended to strengthen its bill payment capabilities and expand its consumer payments platform. In early 2026, the company also announced a new Consumer Payments leader, adopted a limited-duration stockholder rights plan, and reported full-year 2025 results. These events indicate an active strategic phase, with management balancing growth investment, portfolio expansion, and shareholder defense measures while the stock trades on the NASDAQ market in the United States. ([investors.repay.com](https://investors.repay.com/news-releases/news-release-details/repay-announces-agreement-acquire-kubra))