Q3 2025 Performance Highlights - Revenue reached $200.1 million[12] - Gross Margin was 62.3%[12] - Net Income was $29.6 million[12] - Total Payment Volume increased by 26.4% to $13.9 billion[14] - Revenue Less Ancillary Services (RLAS) grew by 28.2% to $194.1 million[14] - Adjusted EBITDA was $57.1 million, representing 29.4% of RLAS[14] Q3 2025 Performance vs Guidance - Total RLAS exceeded guidance by $13.0 million[15] - Year-over-year RLAS Spot Growth beat guidance by 860 bps[15] - Year-over-year RLAS FXN Growth beat guidance by 930 bps[15] - Sertifi Revenue was $12.9 million, exceeding guidance by $2.4 million[15] - Adjusted EBITDA exceeded guidance by $4.8 million[15] FY 2025 Outlook - The company raised FY 2025 FX-Neutral Revenue Less Ancillary Services growth guidance to 23-25%[76] - The company expects Sertifi to contribute $42-44 million in revenue[76] - The company raised Adjusted EBITDA Margin Expansion guidance to 330-370 bps[76]

2Q 2025 Earnings Supplement August 5, 2025 Disclosures This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical facts contained in this presentation, including statements regarding the outcome of the operational and portfolio reviews, the costs, cash outlays, benefits, timing and financial impacts of the actions that ma ...