Free cash flow is defined as net cash flows provided by/used in operating activities, adjusted for the impact of capital expenditure, payments relating to restructuring and other costs, cash paid for interest and movements in customer accounts and other restricted cash. Capital expenditure includes purchases of property plant & equipment and purchases of other intangible assets, including software development costs. Capital expenditure does not include purchases of merchant portfolios. Free cash flow conver ...

Summary Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 0.9m 0.9m 0.9m 0.9m 0.9m $55.1 $55.8 Q2 2022 Q2 2023 25.9% margin 24.7% margin +7% +6% +1% % total • Est. year-end net leverage 5.1x to 5.3x Note: Volume amounts exclude embedded wallet-related volumes. Note: Gross Profit calculated as revenue, less cost of services and depreciation and amortization. Gross profit is not presented within the Company's consolidated financial statements. 13 | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------------------------- ...

Financial Data and Key Metrics - Q2 revenue increased 6% YoY to $402 million, with 5% growth on a constant currency basis [9] - Digital Wallet segment revenue grew 6% YoY to $179.1 million, with adjusted EBITDA increasing 11% YoY to $77.2 million [10] - Merchant Solutions segment revenue increased 6% YoY to $225.7 million, with adjusted EBITDA up 1% to $55.8 million [13] - Total adjusted EBITDA for Q2 was $113 million, a 10% YoY increase, with a margin of 28.1%, up 90 basis points [60] - Free cash flow in Q2 was $95 million, reflecting 84% conversion of adjusted EBITDA [54] Business Line Data and Key Metrics - Digital Wallet segment portal volume increased 6% YoY to $5.4 billion, driven by user experience improvements and product innovation [10] - Merchant Solutions segment volume grew 7% YoY to $30.3 billion, supported by strong growth in the e-commerce pipeline and direct sales channel [13] - Classic digital wallets saw stabilization with 900,000 three-month active users and 12% constant currency revenue growth [4] Market Data and Key Metrics - North American iGaming showed strong growth, with high-teens growth in e-commerce led by iGaming [9] - Latin America attracted strong interest with regional payment methods like Pix in Brazil and MB Way in Portugal [12][39] - Canada enabled Interac e-transfer payment capability with clients like Bally's and Canadian lotteries [12] Company Strategy and Industry Competition - Focus on sales transformation, customer experience, and product innovation to drive growth in strategic verticals like Gaming, Digital Assets, Travel, and Leisure [25][26] - Expansion of unbranded and co-branded wallet strategies to leverage platforms in verticals like gaming and digital assets [35] - Cross-selling initiatives resulted in nearly 150 wins across the existing client base, compared to minimal cross-selling a year ago [30] Management Commentary on Operating Environment and Future Outlook - Management expects 7% growth in 2023 based on the midpoint of guidance, with resilient end markets providing significant growth opportunities [5] - Full-year 2023 revenue growth outlook raised to 6.5%-7.5%, with adjusted EBITDA margin expansion of over 100 basis points [47] - Confidence in achieving midterm double-digit growth profile, driven by strategic initiatives and market tailwinds [11] Other Important Information - Total debt at the end of Q2 was $2.6 billion, with a leverage ratio of 5.6x, down from 5.8x at the end of 2022 [46] - Network tokenization introduced to enhance security, increase authorization rates, and reduce fraud [36] Q&A Session Summary Question: Headwinds to growth - Headwinds included FX impacts, the war in Russia, and gambling regulations in Europe, but the company has returned to growth while absorbing these impacts [48] Question: Plans to reduce debt - Year-to-date net debt repayments of $91 million, with a target leverage ratio of 5.1x-5.3x by year-end and a long-term goal of 3.5x [76] Question: Active user growth in Digital Wallet - Focus on stabilizing the platform and improving functionality before expanding the user base, with mechanisms in place to drive user growth [84] Question: Merchant Solutions gross profit growth - Q2 gross profit impacted by business mix, with strong growth in the e-commerce business expected to balance margins over time [32][87] Question: Direct channel growth - Direct channel growth in the mid-single digits, with optimism for future progress as sales transformation takes effect [83] Question: Mid-term growth trajectory - The company is ahead of expectations from a year ago, with confidence in achieving double-digit growth in the mid-term [81]

Exhibit 99.1 PAYSAFE REPORTS SECOND QUARTER 2023 RESULTS; RAISES FULL YEAR OUTLOOK London, UK – August 15, 2023 – Paysafe Limited ("Paysafe" or the "Company") (NYSE: PSFE), a leading payments platform, today announced its financial results for the second quarter of 2023. 2. Paysafe defines net leverage as the calculation of net debt (total debt less cash and cash equivalents) divided by the sum of the last twelve months (LTM) of Adjusted EBITDA. For the period ending June 30, 2023, total debt was $2,575.8 m ...

Paysafe Limited (NYSE:PSFE) Q1 2023 Earnings Conference Call May 16, 2023 8:30 AM ET Company Participants Kirsten Nielsen - Head, IR Bruce Lowthers - CEO and Executive Director Alex Gersh - CFO Conference Call Participants James Friedman - Susquehanna Financial Group Timothy Chiodo - Crédit Suisse Aditya Buddhavarapu - Bank of America Operator Hello and welcome to the Paysafe Q1 2023 Earnings Conference Call and Webcast. [Operator Instructions]. A question-and-answer session will follow the formal presentat ...

| --- | --- | --- | |-------|-------|-------| | | | | | | | | Forward-Looking Statements These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially, and potentially adversely, from those expressed or implied in the forward-looking statements. While the Company believes its assumptions concerning future events are reasonable, a number of factors could cause actual results to differ materially from those projected, including, but not l ...

Exhibit 99.1 PAYSAFE REPORTS FIRST QUARTER 2023 RESULTS; REAFFIRMS FULL YEAR OUTLOOK London, UK – May 16, 2023 – Paysafe Limited ("Paysafe" or the "Company") (NYSE: PSFE), a leading payments platform, today announced its financial results for the first quarter of 2023. First Quarter 2023 Financial Highlights (Metrics compared to first quarter of 2022) Bruce Lowthers, CEO of Paysafe, commented: "We kicked off 2023 by delivering our strongest quarterly revenue since going public. Revenue increased 7% and adju ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(B) OR 12(G) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 19 ...

Paysafe Limited (NYSE:PSFE) Q4 2022 Results Conference Call March 9, 2023 8:30 AM ET Company Participants Kirsten Nielsen - Head, IR Bruce Lowthers - CEO Alex Gersh - CFO Conference Call Participants Matt Roswell - RBC David Togut - Evercore ISI Scott Wurtzel - Wolfe Research Tim Chiodo - Credit Suisse Jamie Friedman - Susquehanna Aditya Buddhavarapu - Bank of America Operator Greetings, and welcome to the Paysafe Fourth Quarter and Full Year 2022 Earnings Conference Call. At this time, all participants are ...

Exhibit 99.1 PAYSAFE REPORTS FOURTH QUARTER AND FULL YEAR 2022 RESULTS; PROVIDES 2023 OUTLOOK London, UK – March 9, 2023 – Paysafe Limited ("Paysafe" or the "Company") (NYSE: PSFE), a leading payments platform, today announced its financial results for the fourth quarter and full year 2022. Fourth Quarter 2022 Financial Highlights (Metrics compared to fourth quarter of 2021) Full Year 2022 Financial Highlights (Metrics compared to full year 2021) Bruce Lowthers, CEO of Paysafe, commented: "We are pleased wi ...