Repay
“Can a payments processor specialized in regulated verticals (lending, healthcare, auto) become the dominant embedded payment infrastructure layer for vertical SaaS and ISO/Payfac programs?”
Founded in 2006 as a full-service electronic payment processor for retail merchants, REPAY grew through acquisitions to serve specialized verticals including consumer lending, receivables management, and ERP-integrated AP/AR payments. The company went public in 2019 and expanded into processing ISOs and Payfacs, offering white-labeled payment solutions and Instant Funding for loan disbursements. REPAY now positions itself as an embedded payments infrastructure provider for vertical software platforms—particularly in lending, healthcare, automotive, and ERP ecosystems.