REPAY
Payment gateways
Payment processing software
Accounts payable automation software
Payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
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Small
Medium
Large
- Healthcare and life sciences
- Banking and insurance
- Energy and utilities
What is REPAY
REPAY is a payment processing platform that enables businesses to accept and manage electronic payments across channels such as web, mobile, and phone. It is used by organizations that need card and ACH processing, recurring payments, and integrations with business systems in verticals such as lending, healthcare, and B2B payments. The product combines payment acceptance with features for payment orchestration and reporting, and it is commonly delivered through APIs and partner/ISV integrations. REPAY also supports bill payment and payables-related workflows for certain use cases.
Multi-rail payments support
REPAY supports multiple payment types, commonly including card and ACH/eCheck, which helps businesses match payment methods to customer preferences and cost considerations. This is useful for recurring billing and high-volume payment acceptance where ACH is a practical alternative to cards. The platform is positioned to handle both consumer and business payment flows, including remote payment scenarios such as IVR or agent-assisted payments.
Vertical and partner integrations
REPAY emphasizes integrations with software platforms and industry workflows, which can reduce implementation effort when a business already uses supported systems. This approach is relevant for organizations that rely on embedded payments through ISVs or industry-specific platforms. Integration-led deployment can also centralize reconciliation and reporting compared with using separate tools for acceptance and back-office processes.
Recurring and remote payment tools
The product supports recurring payments and customer payment management patterns that are common in lending, subscriptions, and healthcare billing. It also offers capabilities for remote payments (for example, pay-by-phone/IVR-style experiences) that help collect payments when customers are not present on a website checkout. These capabilities can reduce manual handling compared with ad hoc invoicing and one-off card entry.
Pricing transparency varies
Like many payment processors, REPAY pricing and contract terms are typically quote-based and can vary by industry, risk profile, and processing mix. This can make it harder to compare total cost across providers without a detailed proposal. Organizations may need to validate fees for ACH, chargebacks, gateway usage, and any platform or integration charges.
Payables automation is use-case dependent
Although REPAY participates in B2B payments and bill pay scenarios, accounts payable automation depth can depend on the specific solution bundle and integration approach. Some AP functions (for example, invoice capture, approvals, and supplier onboarding) may require additional systems or partner products. Buyers should confirm which AP workflow steps are native versus delivered through integrations.
Implementation requires coordination
Deployments that involve APIs, ERP/practice-management integrations, or industry-specific compliance requirements can require more project coordination than a simple plug-in checkout. Data mapping for reconciliation, settlement reporting, and customer account updates often needs joint work across finance and IT. Timelines can vary depending on underwriting, security reviews, and the number of payment channels enabled.
Plan & Pricing
Pricing model: Pay-as-you-go Free tier/trial: No permanently free tier or time-limited trial is published on REPAY's official site (see notes). Public pricing: REPAY does not publish standard list prices on its public website; pricing is provided via contract/quote through sales. The vendor describes revenue as "volume-based payment processing fees ('discount fees') and other related fixed per transaction fees," and promotes Level 3 and volume-based savings but does not list per-transaction percentages or monthly fees. Example costs: Not publicly listed on repay.com (no SKU/example rates provided). Discount options / notes: REPAY references volume/commitment-based pricing, Level 3 processing savings for B2B/B2G transactions, and potential rebates or lower rates for qualified customers; specifics are provided via commercial agreements with customers.
Seller details
REPAY Holdings Corporation
Atlanta, Georgia, USA
2006
Public
https://repay.com/
https://x.com/repayholdings
https://www.linkedin.com/company/repayholdings/
