MASHINIi

Repay Holdings Corporation.

RPAY.US | Other activities auxiliary to financial service activities

Repay Holdings Corporation is a payment processing provider offering integrated payment processing solutions to businesses across various industries. The company facilitates electronic payments through various channels, including credit and debit cards, ACH (Automated Clearing House), and mobile pay...Show More

Ethical Profile

Mixed.

Repay Holdings Corporation (RPAY.US) shows a mixed ethical profile. A financial restatement occurred in 2020 due to SEC guidance on warrant accounting. Critics point to a CEO-to-median employee pay ratio of 86:1, a significant disparity, though reportedly better than the S&P 500 average. Repay prioritizes robust data security, with annual training, advanced encryption, MFA, and PCI DSS compliance. Its involvement in receivables management has been linked to potential tension between revenue goals and impacting vulnerable populations. Information on environmental impact or fair trade is largely unavailable.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-50
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products-20
-100100

Better Health for All

0

REPAY's core business is payment processing, which is not a health product or service itself, leading to a neutral score for direct health impact. The company's products do not have direct safety implications for physical or mental health, nor do they involve health-related products requiring price accessibility or vulnerable population reach. REPAY does not engage in health innovation investment, health equity programs, or preventative health measures directly. However, REPAY is HIPAA and PCI Level 1 compliant, uses tokenization, secure API keys, encrypted storage, and performs regular security scans, helping protect patients from data breaches and ensuring data responsibility.

1
The company's solutions also aim to limit physical contact to reduce the spread of COVID-19, which is a positive, albeit indirect, contribution during a health crisis.
2
REPAY's operations do not intersect with mental health, pharmaceutical patents, nutrition, health education, addiction mitigation, or clinical trial ethics.

Fair Money & Economic Opportunity

0

No evidence available to assess Repay Holdings Corporation on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

For fiscal year 2024, the CEO-to-median employee pay ratio was 86:1, based on a CEO compensation of $8,614,814 and a median employee compensation of $100,755.

1

Fair Trade & Ethical Sourcing

0

Repay Holdings Corporation is a payment processing provider, a service-based company that does not procure or trade physical commodities. Therefore, KPIs related to fair-trade certification, supply-chain audits for physical goods, forced/child labour incidents in manufacturing supply chains, traceability of materials, remediation of sourcing violations, ethical-sourcing clauses for physical inputs, and high-risk materials are not applicable to its business model. No evidence was found regarding supplier diversity spend.

1

Honest & Fair Business

-50

Repay Holdings Corporation had certain financial statements for 2020 restated due to SEC guidance on warrant accounting.

1
The company has a formal whistleblower policy with a hotline and online reporting operated by an independent third party, available 24/7 in multiple languages, allowing anonymous submissions.
2
Procedures are also in place for confidential, anonymous submission of concerns regarding accounting or auditing matters.
3
The company has a zero-tolerance anti-corruption policy that strictly prohibits bribery, including facilitation payments, and states that disciplinary action up to termination and prosecution will be pursued for illegal activities.
4
The company routinely retains external parties to audit its systems' compliance with security standards (PCI DSS, SOC1 Type II, SOC2 Type II, HIPAA, ISO 27001) and to test systems against vulnerability to unauthorized access.
5

Kind to Animals

0

No evidence available to assess Repay Holdings Corporation on Kind to Animals.

No War, No Weapons

0

No evidence available to assess Repay Holdings Corporation on No War, No Weapons.

Planet-Friendly Business

0

Repay Holdings Corporation's sustainability reports and other disclosures provide no quantitative data or specific details regarding its environmental performance across any of the assessed KPIs. Information on Scope 1, 2, and 3 emissions, renewable energy use, water consumption, waste diversion, green building certifications, and climate targets is consistently stated as 'not available' or 'not publicly available'.

1
The company's 2022 Corporate Sustainability Report indicates that they are exploring ways to track emissions but provides no current data.
2
Similarly, there is no information on climate-positive initiatives, supply chain climate transparency, biodiversity efforts, or any climate-related risk disclosures like TCFD alignment or climate scenario analysis.
3
The absence of specific, verifiable data prevents any scoring against the Planet-Friendly Business rubric.

Respect for Cultures & Communities

0

The provided articles do not contain specific, quantifiable evidence for any of the KPIs related to 'Respect for Cultures & Communities'. While some articles mention general partnerships or charitable giving, they lack the precise details (e.g., type of community group, percentage of revenue, number of incidents, specific protocols, or coverage percentages) required by the rubric's quantitative thresholds. Therefore, no KPIs can be scored based on the available information.

Safe & Smart Tech

0

RPAY complies with various security and privacy standards, including PCI DSS, SOC1 Type II, SOC2 Type II, HIPAA, and ISO 27001.

1
Annual security awareness training is required for all employees and contractors.
2
The company uses advanced encryption for cardholder and client data and for financial information transmission, adhering to PCI DSS.
3
Users in the US and Canada can request data deletion and correction, but this is limited to residents of those regions.
4
Multi-factor authentication is mentioned as a security measure.
5
RPAY regularly scans and updates its network, systems, and application code for malware, and performs regular security testing, including external audits and penetration testing.
6
Data is retained only as necessary, based on purpose and legal requirements.
7
The company complies with US state laws, such as CCPA, and Canadian privacy laws.
8

Zero Waste & Sustainable Products

-20

The company has implemented five waste reduction initiatives, including providing recycling bins, paper shredding, encouraging reusable containers, utilizing digital communications, and promoting remote work to reduce waste and energy consumption.

1

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.