Repay SPAC
Card and Debit Payments Underpenetrated in Existing Verticals
REPAY's verticals, Personal Loans, Automotive Loans and Receivables Management, are underpenetrated and lag
other retail markets in migrating to card payments
Card Payment Penetration
Significant Opportunity from Untapped Adoption of
Card Payments
57%
2017 Debit and Credit Share of
Total U.S. Consumer Payments (1)
REPAY
Realtime Electronic Payments
12%
40% 41%
15%
47%
41%
(2)
2017(2)
■ Personal Loans Debit Share
■Automotive Loans Debit Share
Receivables Management Debit Share
Projected - 2020
Debit payment volume is expected to grow at 11.6%
CAGR between 2017 and 2020(2)
Total Payment Volume of
Existing REPAY Verticals
$455bn
Debit Market Volume Growth
$162bn
2017
Debit Payment Volume of
Existing REPAY Verticals
11.6% Expected CAGR
Note: Credit generally not accepted as payment option in REPAY's existing end markets.
1) Source: The Nilson Report - December 2018. Represents debit and credit as a percentage of all U.S. consumer payment systems, including various
forms of paper, card, and electronic payment methods.
2)
Source: Stax - REPAY Market Sizing Report. January 2018. 11.6% growth rate represents CAGR from 2017-2020.
$535bn
$225bn
Projected - 2020
01
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