Repay provides integrated payment processing solutions tailored to vertical markets, primarily serving consumer lending, automotive, receivables management, and business payment sectors through its proprietary platform that handles debit and credit card processing, ACH transfers, and loan disbursement. The company generates revenue primarily through transaction-based fees charged as a percentage of transaction volume plus per-transaction charges, with the consumer payments segment representing the majority of revenue while business payments serves accounts payable automation and corporate payment needs. Repay embeds its omni-channel payment processing directly into clients' critical software systems through nearly 300 integrations, fostering long-term relationships and enabling above-average client retention while serving a customer base that includes personal and automotive lenders, credit unions, healthcare providers, and government entities.