Exhibit 99.3 Investor Presentation November 2024 1 Disclaimer On July 11, 2019 (the "Closing Date"), Thunder Bridge Acquisition Ltd. ("Thunder Bridge") and Hawk Parent Holdings LLC ("Hawk Parent") completed a business combination (the "Business Combination") under which Thunder Bridge acquired Hawk Parent, upon which Thunder Bridge changed its name to Repay Holdings Corporation ("REPAY" or the "Company"). The Company's filings with the Securities and Exchange Commission ("SEC"), which you may obtain for fre ...

Financial Data and Key Metrics Changes - In Q3 2024, REPAY reported revenue of $79.1 million, a 6% increase year-over-year [22] - Gross profit grew by 9% year-over-year, with adjusted EBITDA increasing by approximately 10% [6][22] - Free cash flow conversion was 139%, with reported free cash flow of $48.8 million [6][23] Business Line Data and Key Metrics Changes - Consumer Payments segment gross profit grew by 2% in Q3 and 6% year-to-date [23] - Business Payments segment gross profit increased by 67% in Q3 and 33% year-to-date, driven by strength in core AP business and political media vertical [14][23] Market Data and Key Metrics Changes - The company added 13 new credit unions in Q3, bringing the total to 313 [9] - The Instant Funding product saw transaction volume increase by approximately 24% year-over-year [12] Company Strategy and Development Direction - The company is focused on three main strategic initiatives: go-to-market efficiency, client implementations, and product focus [7] - The company aims to leverage its 276 integrated software partners to enhance product offerings and sales pipelines [19] Management's Comments on Operating Environment and Future Outlook - Management noted that consumer spending trends are normalizing, impacting growth in certain verticals [33] - The outlook for 2024 includes expected revenue between $314 million and $320 million, with adjusted EBITDA growth anticipated to outpace revenue growth [28][30] Other Important Information - The company completed a convertible notes offering and extended its revolving credit facility, maintaining a strong balance sheet with $419 million in total liquidity [20][25] - The company is open to strategic M&A opportunities while focusing on organic growth [66] Q&A Session Summary Question: Organic growth in consumer payments and headwinds faced - Management noted that consumer spending normalization and a client loss impacted organic growth, with expectations for mid to high single-digit growth in Q4 [33][34] Question: Business Payments growth and corporate spending patterns - Management highlighted strong growth in Business Payments, particularly from political media contributions, while acknowledging some softness in corporate spending [35] Question: Progress on mortgage debit service offerings - Management confirmed that processing for mortgage debit acceptance began in Q3, with expectations for multi-year growth starting in 2025 [38][39] Question: Framework for FY 2025 growth - Management indicated that while it's early to provide specifics, they are confident in their revenue model and are planning for growth opportunities [47][49] Question: Organic gross profit growth deceleration - Management attributed the deceleration to client loss, consumer spending softness, and implementation delays, quantifying the impact on growth [59] Question: Instant Funding growth drivers - Management noted that Instant Funding is primarily used for personal loans and represents about 20% of revenue in consumer payments, with significant monetization opportunities [61][63] Question: Current M&A strategy and valuation - Management stated that they are seeing increased activity in the M&A market and are focused on attractive valuations for embedded software and payments [64][66]

Core Viewpoint - Repay Holdings reported quarterly earnings of $0.23 per share, matching the Zacks Consensus Estimate, and showing an increase from $0.21 per share a year ago [1] - The company also posted revenues of $79.15 million for the quarter, exceeding the Zacks Consensus Estimate by 0.58% and up from $74.32 million year-over-year [2] Earnings Performance - The earnings surprise for the previous quarter was 10%, with actual earnings of $0.22 per share compared to an expected $0.20 [1] - Over the last four quarters, Repay Holdings has surpassed consensus EPS estimates three times [1] Revenue Performance - The company has topped consensus revenue estimates four times over the last four quarters [2] - Current consensus EPS estimate for the upcoming quarter is $0.24 on revenues of $82.76 million, and for the current fiscal year, it is $0.92 on revenues of $317.8 million [7] Stock Performance - Repay Holdings shares have increased by approximately 5.4% since the beginning of the year, while the S&P 500 has gained 25.8% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating expectations of outperforming the market in the near future [6] Industry Outlook - The Financial Transaction Services industry is currently ranked in the bottom 47% of over 250 Zacks industries, which may impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, suggesting that tracking these revisions can be beneficial for investors [5]

Financial Performance - Total revenue for the three months ended September 30, 2024, was $79,145,000, an increase of 6.3% compared to $74,320,000 for the same period in 2023[7]. - Net income attributable to the Company for the three months ended September 30, 2024, was $3,243,000, compared to a net loss of $6,168,000 for the same period in 2023[7]. - Operating expenses for the three months ended September 30, 2024, totaled $79,820,000, slightly up from $79,439,000 for the same period in 2023[7]. - The Company reported a basic income per share of $0.04 for the three months ended September 30, 2024, compared to a loss of $0.07 for the same period in 2023[6]. - The Company experienced a loss from operations of $675,000 for the three months ended September 30, 2024, compared to a loss of $5,119,000 for the same period in 2023[7]. - Net income for the three months ended September 30, 2024, was $3.2 million, compared to a net loss of $6.5 million for the same period in 2023[110]. - Adjusted Net Income for the three months ended September 30, 2024, was $21,245,000, compared to $19,896,000 in 2023, reflecting a 6.8% increase[148]. - Adjusted EBITDA for the three months ended September 30, 2024, was $35.1 million, a 10.2% year-over-year increase from $31.9 million in 2023[154]. Revenue Segmentation - Consumer Payments revenue for the nine months ended September 30, 2024, was $214,617, compared to $204,622 in 2023, indicating an increase of 4.9%[29]. - Business Payments revenue for the nine months ended September 30, 2024, was $35,566, up from $28,170 in 2023, showing a significant growth of 26.2%[30]. - The Consumer Payments segment generated approximately 81% of total revenue for the three months ended September 30, 2024, compared to 87% for the same period in 2023[89]. - The Business Payments segment contributed approximately 19% of total revenue for the three months ended September 30, 2024, up from 13% in the same period in 2023[91]. - Business Payments segment revenue surged by $5.6 million or 57.6% year-over-year to $15.3 million for the three months ended September 30, 2024[131]. Assets and Liabilities - Total current assets increased to $224,769,000 as of September 30, 2024, from $169,322,000 as of December 31, 2023, representing a growth of 32.7%[5]. - Total liabilities rose to $794,569,000 as of September 30, 2024, compared to $689,045,000 as of December 31, 2023, indicating an increase of 15.3%[5]. - Long-term debt increased to $496,214,000 as of September 30, 2024, from $434,166,000 as of December 31, 2023, reflecting a rise of 14.3%[5]. - Total equity decreased to $769,699,000 as of September 30, 2024, from $830,788,000 as of December 31, 2023, a decline of 7.3%[5]. - Total assets as of September 30, 2024, were $217,755,000, with cash and cash equivalents amounting to $168,715,000[38]. Cash Flow and Investments - Net cash provided by operating activities for the nine months ended September 30, 2024, was $115,838, compared to $68,751 for the same period in 2023, representing an increase of 68.4%[15]. - Cash, cash equivalents, and restricted cash at the end of the period increased to $215,255 from $141,390, marking a rise of 52.2%[15]. - Net cash used in investing activities was $34.1 million for the nine months ended September 30, 2024, primarily due to software development capitalization[165]. - The Company expects cash flow from operations and available borrowing capacity to be sufficient to fund operations and capital expenditures for the next twelve months[160]. Debt and Financing - The company issued long-term debt amounting to $287,500 during the nine months ended September 30, 2024[15]. - The Company repurchased $220.0 million of the 2026 Notes at a discount, resulting in a gain of $13.1 million for the three and nine months ended September 30, 2024[55]. - As of September 30, 2024, the Company had convertible senior notes outstanding of $496.2 million, net of deferred issuance costs[175]. - The company increased its senior secured credit facilities to a $250.0 million revolving credit facility on July 10, 2024[191]. Expenses - Selling, general and administrative expenses rose by $1.4 million or 4.0% to $36.7 million for the three months ended September 30, 2024, primarily due to increased legal and equity compensation expenses[112]. - Total operating expenses for the nine months ended September 30, 2024, were $241,371,000, down from $253,589,000 in 2023, a decrease of 4.8%[150]. - Stock-based compensation for the quarter was $5,686,000, showing an increase from $5,684,000 in the previous quarter[10]. Taxation - The effective tax rate for the three months ended September 30, 2024, was (18.2)%, compared to 24% for the same period in 2023, indicating a significant decrease[79]. - The Company recorded an income tax expense of $1.5 million for the three months ended September 30, 2024, and an income tax benefit of $0.1 million for the nine months ended September 30, 2024[79]. Strategic Initiatives - The company plans to continue its market expansion and product development initiatives in the upcoming quarters[12]. - The company is actively pursuing strategic acquisitions to enhance its market position and product offerings[12]. Shareholder Information - The Company repurchased 158,496 shares for approximately $1.3 million during the three months ended September 30, 2024, with $36.2 million remaining under the Share Repurchase Program[162]. - The number of Class A shares outstanding increased to 90,936,507 as of September 30, 2023, from 90,294,728 as of June 30, 2023[10].

Financial Performance - Q3 2024 revenue reached $79.1 million, a 6% year-over-year increase[2] - Gross profit for Q3 2024 was $61.6 million, reflecting a 9% growth compared to the previous year[2] - Adjusted EBITDA for Q3 2024 was $35.1 million, representing a 10% increase year-over-year[2] - Free Cash Flow for Q3 2024 surged to $48.8 million, a 250% increase compared to the same quarter last year[2] - Revenue for the three months ended September 30, 2024, was $79,145,000, representing an increase from $74,320,000 for the same period in 2023, a growth of 10.3%[20] - Net income for the three months ended September 30, 2024, was $3,215,000, compared to a net loss of $6,484,000 for the same period in 2023, indicating a significant turnaround[20] - Revenue for the nine months ended September 30, 2024, was $234,771 thousand, an increase of 6.1% compared to $220,640 thousand in 2023[27] - Adjusted EBITDA for the nine months ended September 30, 2024, was $104,340 thousand, up 12% from $93,317 thousand in 2023[27] - The company reported a net loss of $6,387 thousand for the nine months ended September 30, 2024, a substantial improvement from a net loss of $39,746 thousand in 2023[27] Cash Flow and Liquidity - Net cash provided by operating activities for the nine months ended September 30, 2024, was $115,838 thousand, compared to $68,751 thousand in 2023, representing a significant increase of 68.4%[24] - Net cash provided by operating activities for Q3 2024 was $60,058,000, compared to $27,967,000 in Q3 2023, representing a 114% increase[30] - Cash and cash equivalents increased to $168,715,000 as of September 30, 2024, up from $118,096,000 at the end of 2023, reflecting improved liquidity[22] - Cash, cash equivalents, and restricted cash at the end of the period increased to $215,255 thousand from $141,390 thousand in 2023, reflecting a growth of 52.2%[24] - Free cash flow for Q3 2024 was $48,818,000, significantly higher than $13,941,000 in Q3 2023, indicating a conversion rate of 139%[30] Operating Expenses and Profitability - Total operating expenses for the three months ended September 30, 2024, were $79,820,000, slightly higher than $79,439,000 for the same period in 2023[20] - Total operating expenses for the nine months ended September 30, 2024, were $241,371 thousand, a decrease of 4.8% from $253,589 thousand in 2023[27] - Loss from operations for the nine months ended September 30, 2024, was $(6,600,000), a significant improvement from $(32,949,000) in the same period of 2023[29] Client and Network Growth - The company added 13 new credit union clients, bringing the total to 313[5] - The AP supplier network expanded to over 330,000, marking a 42% year-over-year increase[4] - Business Payments gross profit grew by approximately 67% year-over-year, while Consumer Payments gross profit increased by about 2%[4] Debt and Liabilities - Long-term debt increased to $496,214,000 as of September 30, 2024, from $434,166,000 at the end of 2023, indicating a rise in leverage[22] - Total liabilities increased to $794,569,000 as of September 30, 2024, from $689,045,000 at the end of 2023, reflecting higher obligations[22] - The company recorded a gain on extinguishment of debt amounting to $13,136,000 for the three months ended September 30, 2024[20] Strategic Outlook - REPAY updated its 2024 revenue outlook to between $314 million and $320 million[10] - The company aims for a Free Cash Flow Conversion target of approximately 65% for 2024[9] - REPAY's strategy includes organic investments, strategic M&A, and opportunistic share repurchases to drive sustainable growth[3] Share Performance - Weighted-average shares of Class A common stock outstanding - basic were 88,263,285 for the three months ended September 30, 2024, down from 91,160,415 for the same period in 2023[20] - The number of Class A common stock shares outstanding as of September 30, 2024, was 96,259,523, slightly down from 96,778,735 in the same period of 2023[29] - The weighted average shares of Class A common stock outstanding (basic) decreased from 91,160,415 in 2023 to 88,263,285 in 2024[38] - The weighted average shares of Class A common stock outstanding (on an as-converted basis) decreased from 97,052,574 in 2023 to 94,074,811 in 2024[38] Amortization and Intangibles - Amortization of intangibles related to past acquisitions will continue to recur in future periods until fully amortized[36] - Future acquisitions may result in the amortization of additional intangibles[36] - The company emphasizes the importance of understanding the impact of intangibles on revenue generation[36]

Financial Data and Key Metrics Changes - In Q2 2024, the company reported revenue of $74.9 million, a 4% increase year-over-year [14] - Gross profit grew by 7% year-over-year, with adjusted EBITDA increasing by approximately 10% [4][14] - Free cash flow conversion was 57%, representing over 90% growth year-over-year [4][14] Business Line Data and Key Metrics Changes - Consumer Payments segment gross profit grew by 7% in Q2 and 8% in the first half of the year [14] - Business Payments segment gross profit increased by 11% in Q2 and 14% in the first half [14] - The Instant Funding product saw transaction volume rise by approximately 21% year-over-year [9] Market Data and Key Metrics Changes - The company added nine new credit unions in Q2, bringing the total to 300 out of approximately 5,000 in the U.S. [6] - The accounts receivable management vertical is expected to experience multiple years of growth [8] Company Strategy and Development Direction - The company is focused on three main strategic initiatives: go-to-market efficiency, client implementations, and product focus [5] - The company aims to capture new payment flows with expertise across Consumer and Business Payments segments [4] - Capital allocation priorities include investing in organic growth opportunities and being open to strategic M&A [13] Management's Comments on Operating Environment and Future Outlook - Management noted a healthy but moderating consumer environment, with no noticeable differences across sub-verticals [22][24] - The company expects revenue for 2024 to be between $214 million and $220 million, with adjusted EBITDA between $139 million and $142 million [17] - Free cash flow conversion is anticipated to accelerate throughout the year, with a target of approximately 60% for the full year [18] Other Important Information - The company completed a convertible notes offering to address half of its 2026 debt maturities and expanded its revolving credit facility [13][16] - Total pro forma outstanding debt is $507.5 million, with net leverage of approximately 2.7x [16] Q&A Session Summary Question: What is the normalized level for free cash flow conversion? - Management expects sustained mid- to high teens growth in free cash flow conversion, targeting 60% for the year [21] Question: What is the overall health of the consumer today? - The consumer environment is healthy but moderating, with consistent trends observed [22][24] Question: What macro trends are assumed within the guidance? - No major changes to macro assumptions; trends remain consistent with prior periods [27] Question: Any updates on M&A pipeline? - The company has a healthy M&A pipeline and is looking at opportunities across both Consumer and Business Payments [29][30] Question: What is the growth rate in Business Payments excluding media spend? - Business Payments reported 11% growth in Q2, with expectations for high teens growth [34] Question: What is the outlook for Instant Funding growth? - The deceleration in growth is attributed to lapping a large client from the previous year, with expectations for consistent trends moving forward [42] Question: How much incremental revenue is expected from the presidential election? - The company expects about 20% growth off the 2022 cycle, with most contributions coming in the back half of the year [40] Question: What is the outlook for organic gross profit growth? - The company anticipates mid- to high single-digit organic growth trajectory, with opportunities for acceleration in the future [46]

Exhibit 99.2 REPAY Realtime Electronic Payments Q2 2024 Earnings Supplement August 2024 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company") is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission ("SEC") Such filings, which you may obtain for free at the SEC's website at http://www.sec.gov, discuss some of the important risk factors that may affect REPAY's business, results of operations and financial condit ...

Financial Data and Key Metrics Changes - In Q1 2024, the company reported revenue of $80.7 million, representing a 10% organic growth year-over-year [36] - Adjusted EBITDA for Q1 was $35.5 million, growing 15% year-over-year with margins of 44% [16] - Free cash flow for Q1 was $13.7 million, reflecting over 90% year-over-year growth [47] Business Line Data and Key Metrics Changes - The Consumer Payments segment achieved organic gross profit growth of 11% in Q1 [6][37] - The Business Payments segment saw gross profit growth of 17% year-over-year [10][37] - The company added three partners in the Consumer Payments segment during the quarter [9] Market Data and Key Metrics Changes - The company added 15 new credit union clients in Q1, bringing the total to 291 [28] - The instant funding product experienced a 33% year-over-year increase in transactional volume [30] - The supplier network in Accounts Payable grew to over 279,000 suppliers [31] Company Strategy and Development Direction - The company is focused on three main strategic initiatives: go-to-market efficiency, client implementations, and product focus [5] - There is an emphasis on enhancing software partnerships and developing a healthy sales pipeline [8] - The company aims to reduce overall CapEx spending to accelerate free cash flow conversion throughout 2024 [40] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in multiyear growth opportunities driven by software integrations and partnerships [19] - The planning assumptions for 2024 remain consistent, with expectations for revenue between $314 million and $320 million [18] - The company anticipates free cash flow conversion to progress towards a target of approximately 60% for the full year [20] Other Important Information - The company exited Q1 with a strong balance sheet, having approximately $128 million in cash [38] - The company is open to accretive strategic M&A while focusing on organic growth opportunities [35] Q&A Session Summary Question: What drove the adjusted EBITDA margin beat? - Management noted stable SG&A costs and effective cost management led to expanding adjusted EBITDA margins [22] Question: Any updates on exploring strategic alternatives? - Management emphasized their commitment to organic growth and shareholder value, indicating no immediate plans for private equity sponsorship [43] Question: How do you view the growth rates for consumer versus business payments? - Management indicated that consumer payments are expected to grow in the high single-digit to low double-digit range, while business payments are projected to grow in the mid- to high-teens [45] Question: Was the contribution from tax season this year outsized compared to previous years? - Management stated that the contribution was in line with expectations and similar to prior years [98] Question: Any updates on the macroeconomic environment? - Management reported stable trends and no significant changes in the macro environment affecting their outlook [87]

Financial Performance - Revenue for Q1 2024 was $80,720,000, representing a 8.3% increase from $74,537,000 in Q1 2023[13] - Net loss for Q1 2024 was $5,365,000, a significant improvement compared to a net loss of $27,932,000 in Q1 2023[13] - Total revenue for the three months ended March 31, 2024, was $80.72 million, an increase from $74.54 million in the same period of 2023, representing an 8.8% year-over-year growth[33][35] - The net loss attributable to the Company for Q1 2024 was $5.21 million, a decrease from a net loss of $26.39 million in Q1 2023[37] - Total gross profit for Q1 2024 was $61.5 million, compared to $56.6 million in Q1 2023, marking an increase of 8.7%[110] - Adjusted Net Income for the period was $22.38 million, up from $19.19 million in the same period last year, representing a 11.4% increase[136] - Adjusted Net Income per share increased to $0.23, compared to $0.20 in the prior year[136] Segment Performance - Consumer Payments segment revenue for Q1 2024 was $76.14 million, up from $69.94 million in Q1 2023, indicating a growth of 8.8%[33][35] - Business Payments segment revenue for Q1 2024 was $9.68 million, compared to $8.68 million in Q1 2023, reflecting an increase of 11.5%[33][35] - The Consumer Payments segment accounted for approximately 88% of the Company's total revenue for the three months ended March 31, 2024[91] - The Business Payments segment represented approximately 12% of the Company's total revenue for the same period[92] Cash Flow and Liquidity - Cash flows from operating activities provided $24,801,000 in Q1 2024, an increase from $20,831,000 in Q1 2023[19] - Cash and cash equivalents rose to $128,318,000 from $118,096,000, marking an increase of 8.5%[10] - Cash and cash equivalents as of March 31, 2024, totaled $128.3 million, with an available borrowing capacity of $185.0 million under the Amended Credit Agreement[143] - The Company expects cash flow from operations and available borrowing capacity to be sufficient to fund operations and capital expenditures for the next twelve months[143] Expenses and Cost Management - Operating expenses for Q1 2024 totaled $83,224,000, down from $92,501,000 in Q1 2023, a decrease of 10.0%[13] - Selling, general and administrative expenses decreased to $37.0 million in Q1 2024 from $38.5 million in Q1 2023, a reduction of 3.9%[113] - Costs of services rose to $19.2 million in Q1 2024, up from $18.0 million in Q1 2023, an increase of 6.7%[112] - Depreciation and amortization expenses increased to $27.0 million in Q1 2024 from $26.1 million in Q1 2023, a rise of 3.4%[114] Assets and Liabilities - Total current assets increased to $184,029,000 as of March 31, 2024, up from $169,322,000 at the end of 2023, reflecting a 8.7% growth[10] - Total liabilities decreased slightly to $687,422,000 from $689,045,000, indicating a reduction of 0.2%[11] - Total equity as of March 31, 2024, was $829,298,000, slightly down from $830,788,000 at the end of 2023[11] - The estimated fair value of borrowings as of March 31, 2024, was $407.55 million, compared to $375.65 million as of December 31, 2023[49] Shareholder Activities - The Company has $37.5 million remaining under its Share Repurchase Program as of March 31, 2024[145] - During the three months ended March 31, 2024, the company purchased a total of 245,376 shares of Class A common stock at an average price of $9.82 per share[172] - The Share Repurchase Program has no expiration date and may be modified, suspended, or discontinued at the company's discretion[172] Tax and Accounting - The effective tax rate for the three months ended March 31, 2024, was (6%), with an income tax expense of $0.3 million recorded[81] - The Company had deferred tax assets, net of $146.6 million as of March 31, 2024, primarily related to the basis difference in its investment in Hawk Parent[83] - The Company is evaluating the effects of recently issued accounting standards updates on its consolidated financial statements, including ASU 2023-07 and ASU 2023-09[30][31] Other Notable Items - The Company recognized a loss of $9.9 million associated with the sale of Blue Cow Software, LLC in February 2023, which contributed $1.2 million to revenue in Q1 2023[38][39] - The Company incurred transaction expenses of $3.4 million related to the disposition of Blue Cow Software in Q1 2023, included in selling, general, and administrative expenses[40] - The Company recognized total lease costs of $434,000 for the three months ended March 31, 2024, down from $664,000 in the same period of 2023[68] - The Company recognized a total fair value of $7.4 million for vested PSUs, RSAs, and RSUs during the three months ended March 31, 2024[75]

"REPAY's Q1 results represent a strong start to the year, with organic gross profit growth 1 of 11%, demonstrating continued success in enhancing our client's embedded payment flows," said John Morris, CEO of REPAY. "As we continue to strengthen our technical and go-to-market relationships with our software partners, we are excited about the multi-year growth opportunities across our Consumer and Business Payment's verticals." First Quarter 2024 Business Highlights REPAY Reports First Quarter 2024 Financial ...