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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ΤΟ Commission File Number 001-38531 REPAY Realtime Electronic Payments Repay Holdings Corporation ( Exact name of Registrant as specified in its Charter ) Delaware ( State or other jurisdiction of incorporation or organization ) 3 West Paces Ferry Road , Suite 200 Atlanta , GA ( Address of principal executive offices ) Securities registered pursuant to Section 12 ( b ) of the Act : 30305 ( Zip Code ) Registrant's telephone number , including area code : ( 404 ) 504-7472 Title of each class Class A Common Stock , par value $ 0.0001 per share Trading Symbol ( s ) RPAY 98-1496050 ( I.R.S. Employer Identification No. ) | Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the Registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . YES NO Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . YES NO Indicate by check mark whether the Registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the Registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . YES > NO Name of each exchange on which registered The NASDAQ Stock Market LLC Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the Registrant was required to submit such files ) . YES NO Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer Non - accelerated filer Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Smaller reporting company DOCUMENTS INCORPORATED BY REFERENCE Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the Registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . YES NO The aggregate market value of the voting and non - voting common equity held by non - affiliates of the Registrant , based on the closing price of the shares of common stock on The NASDAQ Stock Market on June 30 , 2020 , was $ 1,242,106,614 . As of February 23 , 2021 , there were 80,063,486 shares of the registrant's Class A common stock , par value $ 0.0001 per share , outstanding ( which number includes 2,148,861 of unvested restricted stock that have voting rights ) and 100 shares of the registrant's Class V Common Stock , par value of $ 0.0001 per share , outstanding . As of February 23 , 2021 , the holders of such outstanding shares of Class V common stock also hold 7,959,160 units in a subsidiary of the registrant and such units are exchangeable into shares of the registrant's Class A common stock on a one - for - one basis . The registrant has incorporated by reference into Part III of this report certain portions of either an amendment to this Form 10 - K or its proxy statement for its 2021 Annual Meeting of Shareholders , which are expected to be filed within 120 days after the end of the registrant's fiscal year ended December 31 , 2020 .