Exhibit 99.3 Investor Presentation November 2022 1 Disclaimer On July 11, 2019 (the "Closing Date"), Thunder Bridge Acquisition Ltd. ("Thunder Bridge") and Hawk Parent Holdings LLC ("Hawk Parent") completed their previously announced 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"). Unless otherwise indicated, information provided in this presentation (a) that ...

Repay Holdings Corporation (NASDAQ:RPAY) Q3 2022 Earnings Conference Call November 9, 2022 5:00 PM ET Company Participants John Morris - CEO, Co-Founder & Director Tim Murphy - CFO Conference Call Participants Andrew Schmidt - Citi Gus Gala - Truist Securities Peter Heckmann - D.A. Davidson & Co. James Faucette - Morgan Stanley Timothy Chiodo - Crédit Suisse Robert Napoli - William Blair & Company Ramsey El-Assal - Barclays Bank Operator Welcome to today's earnings conference call being hosted by Repay. Wit ...

Exhibit 99.2 Q3 2022 Earnings Supplement November 2022 1 Disclaimer 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 condition. On July 11, 2019 (the "Closi ...

Financial Data and Key Metrics Changes - In Q2 2022, the company reported card payment volume growth of 34%, total revenue growth of 39%, and gross profit growth of 42% [7][23] - Organic gross profit growth for the quarter was 10% [7][24] - Adjusted net income for Q2 was $16.1 million, or $0.17 per share, with adjusted EBITDA of $27.6 million, reflecting a 35% increase year-over-year [25] Business Line Data and Key Metrics Changes - The B2B payments business showed strength, driven by the digitization of business payments and the need for efficiencies [7] - Instant Funding product volume grew approximately 50% compared to Q2 2021 [10] - The consumer payments side saw a record quarter with 225 credit union clients, indicating growth in that segment [8] Market Data and Key Metrics Changes - The personal loan market is experiencing mixed signals, with lenders tightening credit standards due to increased delinquencies [11][32] - Auto lending demand remains strong, but the market is supply constrained, affecting affordability [12] - The company expects the recovery in the personal loan market to take longer than initially anticipated [11] Company Strategy and Development Direction - The company aims for mid-teens organic growth in 2023, supported by a diverse underpenetrated market and a large distribution network [18] - Focus on sustainable growth with strong unit economics, optimizing processing infrastructure to reduce costs [20] - The company is actively pursuing strategic M&A opportunities to enhance scale and market competitiveness [22][81] Management's Comments on Operating Environment and Future Outlook - Management noted that while the macro environment is uncertain, they expect strong demand for their payment solutions to continue [30] - The company anticipates growth in the B2B segment, particularly in the AP Media vertical, driven by political ad spending [16][30] - Management expressed confidence in navigating potential downturns, citing the resilience of their medium to enterprise customer base [58][96] Other Important Information - The company has $60 million in cash and access to $165 million of undrawn revolver capacity, providing a total liquidity of $225 million [27] - The share repurchase program has been implemented, indicating confidence in the company's valuation [22][82] Q&A Session Summary Question: Details on personal loan vertical - Management indicated strong demand but noted lenders are tightening credit standards due to increased delinquencies [32] Question: Organic growth expectations for next year - The company expects to exit 2022 with about 20% organic growth, with B2B expected to grow north of 25% [33] Question: Trends in auto loans - Management noted long-duration portfolios in auto loans are less impacted by delinquencies compared to personal loans [37] Question: Instant Funding growth trajectory - Instant Funding is growing faster than originations, with a shift towards digital transactions [44] Question: M&A appetite and pipeline - The company has a healthy pipeline for M&A opportunities and is being prudent with capital allocation [81] Question: B2B business growth strategy - The company plans to expand its supplier network and continue investing in product and technology for B2B growth [89]

PART I – FINANCIAL INFORMATION [Item 1. Consolidated Financial Statements](index=4&type=section&id=Item%201.%20Consolidated%20Financial%20Statements) This section presents the unaudited consolidated financial statements for Repay Holdings Corporation as of June 30, 2022, including balance sheets, statements of operations, comprehensive income, changes in equity, and cash flows [Consolidated Balance Sheets](index=4&type=section&id=Consolidated%20Balance%20Sheets) As of June 30, 2022, total assets decreased slightly to **$1.64 billion** from **$1.69 billion** at year-end 2021, driven by reductions in intangible assets and tax receivable liability, while total equity increased to **$930.2 million** Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2022 | December 31, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$1,641,281** | **$1,685,839** | | Cash and cash equivalents | $60,375 | $50,049 | | Intangible assets, net | $535,796 | $577,694 | | Goodwill | $827,802 | $824,082 | | **Total Liabilities** | **$711,067** | **$772,803** | | Long-term debt | $449,896 | $448,485 | | Tax receivable agreement | $201,924 | $245,828 | | **Total Equity** | **$930,215** | **$913,036** | [Consolidated Statements of Operations](index=5&type=section&id=Consolidated%20Statements%20of%20Operations) Revenue for Q2 2022 grew **39.3%** to **$67.4 million**, and for the six-month period, revenue increased **40.7%** to **$135.0 million**, resulting in a net income of **$11.5 million** primarily due to a **$44.1 million** positive change in the fair value of the tax receivable liability Statement of Operations Summary (in thousands) | Metric | Q2 2022 | Q2 2021 | YoY Change | H1 2022 | H1 2021 | YoY Change | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | **Revenue** | **$67,435** | **$48,412** | **+39.3%** | **$134,999** | **$95,932** | **+40.7%** | | Loss from operations | ($16,567) | ($12,330) | -34.4% | ($23,475) | ($21,119) | -11.2% | | **Net Income (Loss)** | **($1,353)** | **($13,350)** | **+89.9%** | **$11,534** | **($31,331)** | **+136.8%** | | Net Income (Loss) attributable to Company | $9 | ($12,269) | +100.1% | $13,663 | ($28,063) | +148.7% | | Diluted EPS | $0.00 | ($0.15) | N/A | $0.12 | ($0.36) | N/A | [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash provided by operating activities increased to **$27.1 million** for the six months ended June 30, 2022, while net cash used in investing activities was **$16.6 million** and financing activities used **$7.2 million** Cash Flow Summary - Six Months Ended June 30 (in thousands) | Cash Flow Category | 2022 | 2021 | | :--- | :--- | :--- | | Net cash provided by operating activities | $27,061 | $16,867 | | Net cash used in investing activities | ($16,649) | ($286,510) | | Net cash (used in) provided by financing activities | ($7,222) | $303,676 | [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=27&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's performance, highlighting a **34%** year-over-year increase in card payment volume to **$6.2 billion** in Q2 2022, strong revenue growth, and robust liquidity [Results of Operations](index=29&type=section&id=Results%20of%20Operations) Revenue for Q2 2022 increased by **$19.0 million (39.3%)** to **$67.4 million**, with acquisitions contributing approximately **$14.2 million**, while expenses rose due to acquisition-related costs and increased compensation - Total card payment volume grew approximately **34%** to **$6.2 billion** for the three months ended June 30, 2022, compared to the same period in 2021[116](index=116&type=chunk) - For Q2 2022, incremental revenues of approximately **$14.2 million** are attributable to the acquisitions of BillingTree, Kontrol and Payix[127](index=127&type=chunk) - Selling, general and administrative expenses increased by **$9.6 million (32.5%)** in Q2 2022, primarily due to a **$6.1 million** increase in compensation expenses and a **$1.9 million** increase in software and technological services expenses related to integrating acquired businesses[129](index=129&type=chunk) [Non-GAAP Financial Measures](index=32&type=section&id=Non-GAAP%20Financial%20Measures) The company reported strong growth in non-GAAP metrics, with Q2 2022 Adjusted EBITDA increasing **35.5%** to **$27.6 million** and Adjusted Net Income growing **15.0%** to **$16.1 million**, driven by organic growth and acquisitions Non-GAAP Performance Summary (in millions) | Metric | Q2 2022 | Q2 2021 | YoY Change | H1 2022 | H1 2021 | YoY Change | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Adjusted EBITDA | $27.6 | $20.4 | +35.5% | $57.0 | $40.9 | +39.4% | | Adjusted Net Income | $16.1 | $14.0 | +15.0% | $34.5 | $29.1 | +18.6% | - Adjusted Net Income per share was **$0.17** for Q2 2022, compared to **$0.16** in Q2 2021[161](index=161&type=chunk) [Liquidity and Capital Resources](index=38&type=section&id=Liquidity%20and%20Capital%20Resources) As of June 30, 2022, the company maintained a solid liquidity position with **$60.4 million** in cash and cash equivalents and **$165.0 million** available under its Amended Credit Agreement, alongside a **$50 million** share repurchase program - The company's liquidity as of June 30, 2022, included **$60.4 million** of cash and cash equivalents and **$165.0 million** of available borrowing capacity[173](index=173&type=chunk) - A **$50 million** share repurchase program was approved on May 16, 2022, under which **100,803 shares** were repurchased for approximately **$1.15 million** during Q2 2022[176](index=176&type=chunk) - Total outstanding debt as of June 30, 2022, consisted of **$440.0 million** in 0.00% Convertible Senior Notes due 2026 and **$20.0 million** drawn on the revolving credit facility[83](index=83&type=chunk)[188](index=188&type=chunk)[189](index=189&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=41&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company identifies interest rate risk as its primary market risk due to variable-rate debt, noting the upcoming transition away from LIBOR, while inflation and foreign currency risks are not currently significant - The company is exposed to market risk from changes in interest rates on its floating-rate debt, with borrowings under the Amended Credit Agreement accruing interest based on rates such as LIBOR[197](index=197&type=chunk) - The company is monitoring the planned phase-out of LIBOR by June 30, 2023, which may cause unpredictable effects on its interest payment obligations[200](index=200&type=chunk) [Controls and Procedures](index=42&type=section&id=Item%204.%20Controls%20and%20Procedures) Based on management's evaluation, including the CEO and CFO, the company's disclosure controls and procedures were effective as of June 30, 2022, with ongoing integration of acquired business controls - The Chief Executive Officer and Chief Financial Officer concluded that as of June 30, 2022, the company's disclosure controls and procedures were effective[203](index=203&type=chunk) PART II – OTHER INFORMATION [Legal Proceedings](index=43&type=section&id=Item%201.%20Legal%20Proceedings) The company states that while involved in various legal actions, no currently pending proceedings are expected to have a material adverse effect on its business or financial condition - The company does not believe any currently pending legal proceeding will have a material adverse effect on its business, prospects, financial condition, cash flows or results of operations[206](index=206&type=chunk) [Risk Factors](index=43&type=section&id=Item%201A.%20Risk%20Factors) There have been no material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2021 - No material changes have occurred with respect to the risk factors disclosed in the company's 2021 Form 10-K[207](index=207&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=43&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) This section details the company's share repurchase activities during Q2 2022, with **151,597 shares** purchased at an average price of **$11.34**, including **100,803 shares** under the new **$50 million** program, leaving approximately **$49 million** available Share Repurchases for Q2 2022 | Period | Total Shares Purchased | Average Price Paid per Share | Shares Purchased Under Program | Remaining Value Under Program | | :--- | :--- | :--- | :--- | :--- | | **Total Q2 2022** | **151,597** | **$11.34** | **100,803** | **$49,000,000** | [Other Items (3, 4, 5, 6)](index=43&type=section&id=Other%20Items) The company reported no defaults upon senior securities, no mine safety disclosures, and no other information requiring disclosure under Item 5, with Item 6 listing filed exhibits including officer certifications - The company reported "None" for Item 3 (Defaults Upon Senior Securities), Item 4 (Mine Safety Disclosures), and Item 5 (Other Information)[209](index=209&type=chunk)[210](index=210&type=chunk)[211](index=211&type=chunk)

Exhibit 99.2 Q1 2022 Earnings Supplement May 2022 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 condition. Forward-Looking Statements This p ...

Financial Data and Key Metrics Changes - In Q1 2022, the company reported card payment volume growth of 39%, total revenue growth of 42%, and gross profit growth of 46% [4][15] - Card payment volume reached $6.4 billion, total revenue was $67.6 million, and gross profit was $51 million [15][19] - Adjusted EBITDA for Q1 was $29.3 million, an increase of 43% year-over-year, with adjusted EBITDA as a percentage of total revenue at 43% [19] Business Line Data and Key Metrics Changes - The business payments vertical is targeting a total addressable market (TAM) of $3.4 trillion and performed well, with significant growth in B2B software integrations [5][6] - The consumer payments segment saw strong performance, particularly in personal loans, with volumes boosted by tax refund season [8][9] - The mortgage service and payment business experienced growth from existing customers, with instant funding volume up 70% compared to Q1 2021 [10] Market Data and Key Metrics Changes - The personal loan market saw a 31% increase in originations year-over-year, with total nonmortgage consumer debt reaching $4.33 trillion [9] - The auto loan business is focused on used car payments, which are growing rapidly due to high demand and prices [9] - The company has expanded its supplier network to over 127,000, contributing to its B2B growth strategy [17][58] Company Strategy and Development Direction - The company is focused on increasing card penetration across all verticals and optimizing processing infrastructure to reduce costs [12][13] - Strategic M&A remains a key focus, with the company looking for attractive opportunities to enhance long-term growth [14][30] - The company aims to capitalize on the secular trends towards frictionless digital payments, which are expected to drive business growth for years to come [12][63] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth of personal loans and the overall recovery in healthcare, which supports the positive outlook for the remainder of the year [21][46] - The company anticipates organic growth to gradually increase throughout the year, with stronger growth expected in the second half [22][46] - Management reiterated guidance for 2022, projecting volumes between $27 billion and $28 billion and total revenue between $296 million and $306 million [21] Other Important Information - The company had $65 million in cash and access to $165 million in undrawn revolver capacity, totaling $230 million in liquidity as of March 31 [20] - The company expects to maintain a combined pro forma net leverage of approximately 3.5x, which is projected to decrease to below 3.3x by the end of 2022 [19] Q&A Session Summary Question: Can you provide insights on macro assumptions in your guidance? - Management noted that the recovery in personal loans and healthcare, along with strong demand in the used car market, are key drivers for growth [23][25] Question: Are you seeing lenders seeking repayment options? - Management indicated that consumer health is strong, and there is great demand for personal loans, which supports their positive outlook [31][32] Question: Can you elaborate on the B2B business growth? - Management clarified that growth in B2B is primarily from moving businesses to electronic payments rather than competitive takeaways [34][35] Question: What is the outlook for the second quarter? - Management expects slight sequential decline from Q1 due to the end of tax refund season but anticipates organic growth to be higher in Q2 [36][38] Question: Is the go-to-market strategy fully consolidated under TotalPay? - Management confirmed that Repay is the single brand, with TotalPay describing the comprehensive solution for both sending and receiving funds [40][41] Question: What is the outlook for the full year? - Management reiterated confidence in the full year outlook, citing strong underlying business momentum and recovery in healthcare [46][47] Question: How is the instant funding solution performing? - Management reported a 70% growth in instant funding, indicating it drives competitive differentiation and influences repayment mechanisms [49][50] Question: What are the expectations for gross profit margins? - Management expects gross profit margins to potentially be higher for the remainder of the year due to the conversion of BillingTree back to the RCS platform [52][53]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38531 Repay Holdings Corporation (Exact name of Registrant as specified in its Charter) Delaware 98-1496050 (State or other juri ...

Financial Performance - Q4 2021 - Card payment volume reached $5.643 billion, a 43% increase compared to Q4 2020's $3.955 billion[17, 49] - Total revenue was $62.2 million, up 50% from $41.4 million in Q4 2020[13, 49] - Gross profit increased by 57% to $47.2 million, compared to $30.0 million in Q4 2020[13, 18, 49] - Adjusted EBITDA grew by 58% to $27.8 million, versus $17.6 million in Q4 2020[13, 17, 49] Growth & Liquidity - The company has a strong liquidity position with $50 million in cash on hand and $165 million in revolver capacity as of December 31, 2021[23] - Total liquidity stood at $215 million, while total debt was $440 million, resulting in net debt of $410 million[23] - The company's pro forma net leverage was 3.6x based on LTM December 2021 adjusted EBITDA, pro forma for contributions from BillingTree, Kontrol Payables, and Payix[23, 25] FY 2022 Outlook - The company anticipates card payment volume between $27 billion and $28 billion for the full year 2022[26] - Total revenue is projected to be in the range of $296 million to $306 million[26] - Gross profit is expected to be between $224 million and $232 million, representing approximately 41% total growth and 20% organic growth[26, 27] - Adjusted EBITDA is forecasted to be between $128 million and $134 million[26] B2B Payments Business - The B2B payments business has a total addressable market of $3.4 trillion across 15+ vertical end markets[35] - The B2B payments business has annualized payment volume of approximately $4.8 billion with approximately 3,600 clients[36]

Financial Data and Key Metrics Changes - In Q4 2021, card payment volume grew by 43% year-over-year, totaling $5.6 billion, while total revenue increased by 50% to $62.2 million, reflecting a take rate of approximately 110 basis points [24][25] - For the full year 2021, card payment volume grew by 35%, total revenue increased by 41%, and gross profit grew by 44% [5][24] - Gross profit for Q4 2021 was $47.2 million, a 57% increase year-over-year, with organic growth contributing 17% [25][26] - Adjusted net income for Q4 was $27 million, or $0.28 per share, with adjusted EBITDA of $27.8 million, up 58% year-over-year [26] Business Line Data and Key Metrics Changes - The business payments vertical, targeting a $3.4 trillion total addressable market (TAM), performed well with over 80 B2B software integrations and more than 3,600 clients [11] - The consumer payment side showed strength, particularly in the auto loan business, driven by high demand in the used car market [12] - The mortgage origination segment experienced strong demand, with expectations for increased transaction velocity due to rising interest rates [13] Market Data and Key Metrics Changes - The company expanded its customer base in the Credit Union space by nearly 5x year-over-year, now serving over 200 Credit Union customers [9] - The supplier network for accounts payable (AP) grew to over 110,000, with significant success in converting clients to the TotalPay solution [11] Company Strategy and Development Direction - The company plans to increase card penetration across all verticals and optimize processing infrastructure to reduce costs while growing volume [20][21] - Strategic M&A remains a key growth driver, with an active pipeline for potential acquisitions [23] - The company aims to commercialize and market its unified accounts receivable/accounts payable capabilities [21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving 20% organic gross profit growth in 2022, driven by strong performance in auto loans and recovery in personal loan volumes [31] - The company anticipates that the majority of growth will come from existing customers, providing high visibility into future revenue [36] - Management noted that consumer health remains strong, with positive trends in loan repayments and expectations for pent-up demand in healthcare services [54] Other Important Information - The company secured approximately $590 million in capital through stock and convertible notes offerings, positioning itself for growth opportunities [6] - The integration of acquisitions from 2021 is progressing well, with synergies expected to be realized [19] Q&A Session Summary Question: Drivers of organic growth acceleration - Management highlighted strength in auto loans and recovery in personal loan volumes as key drivers for organic growth acceleration [33][34] Question: Revenue visibility and complexity - Management indicated that a majority of growth will come from existing customers, providing a high degree of revenue visibility [36] Question: Virtual card penetration and cross-border payments - Current virtual card penetration is estimated at 15% to 20%, with expectations for growth through the TotalPay solution [40] Question: Size and growth of B2B business - The B2B business is growing north of 30%, expected to comprise about 25% of the total mix by the end of 2022 [42] Question: Impact of consumer health on business - Management noted strong consumer health and repayment trends, with expectations for continued strength in loan repayments [53][54] Question: M&A pipeline and strategy - The company is likely to pursue smaller tuck-in acquisitions in the near term while maintaining an active pipeline for strategic opportunities [58][59] Question: Growth of new auto loan originations - The company is more exposed to the used car market, which continues to show strong demand despite inventory constraints [61] Question: Mortgage business size and growth - The mortgage business is less than 10% of total revenue but is growing, particularly in servicing and loan repayments [81][82]