EverCommerce Inc.

profitable and safety of customers, with an NRR of greater than 100%. Year-over-year, our payments revenue grew 6% and accounted for approximately 21% of overall revenue. As a reminder, we report our payments revenue on a net basis, and therefore, it incrementally contributes approximately 95% gross margin. As such, payments revenue growth is meaningful contributed to our overall adjusted EBITDA margin expansion. As I mentioned in my introductory comments, third quarter estimated annualized total payments volume, or TPV, was approximately $13 billion, representing nearly 5.2% year-over-year growth. Within this, we continue to see higher TPV growth in our top solutions, offset by lower growth in legacy payment products and third-party partners. This can be a positive mid-shift over time as our top solutions often have higher take rates. In mid-September, we announced the acquisition of ZyroTalk, an AI-powered customer engagement solution that combines virtual assistant capabilities with an agentic automation platform. The acquisition helps to establish EverCommerce's position as an AI-driven innovator, beginning with the intended near-term application in our home and field service vertical, EverPro, that we plan to extend into broader opportunities across the company. I will now turn the call over to Josh McCarter, CEO of EverPro, to discuss ZyroTalk in more detail.

Josh? Thanks, Eric. ZyraTalk transforms how businesses operate by replacing outdated processes with intelligent end-to-end AI workflows. The platform is an AI-powered customer engagement solution that combines virtual assistant capabilities with agentic automation, primarily serving the home services industry and capabilities for serving our other verticals. Its AI receptionist ensures that no call, lead, or customer interaction is ever missed, while the agentic AI capabilities integrate deeply with FSM platforms to automate the core of daily operations. To date, the platform has processed over 2 million chats and 2 million minutes of voice interactions through its integrations with major FSMs. The fully autonomous AI agents and a lightweight agentic FSM system are designed for seamless integration across EverPro's platforms. The acquisition brings AI at scale to EverCommerce with many in-production features that are both being sold to third-party customers today and being fast-tracked for multiple EverPro native integrations over the coming months. Some of the key features available today are the AI Receptionist, AI Scheduler, and AI Dispatch. The AI Receptionist answers inbound inquiries instantly, books jobs, answers questions, and routes calls 24-7, just like a front desk that never goes offline. AI Scheduler allows customers to book, reschedule, or cancel appointments anytime by phone or online. The AI Dispatcher automatically assigns the right technician to the right job based on skill, location, and availability. keeping field teams efficient without human oversight. These and the additional features shown on the slide automate the full workflow from first contact to final payment, improving response time, reducing labor, and helping to drive revenue. Beyond this foundation, we are working to add more features and offerings to support our customers, beginning in our home and field services solutions. In addition to the full integration into many EverPro systems of action, we are actively developing new agentic capabilities that should roll out over the next 12 months. These include an AI project manager that keeps every job on track from first call to final review, updating customers and text automatically. We're working on an AI training and QA agent that listens to calls and gives real-time coaching to technicians, like a built-in quality manager. We plan to utilize the underpinnings of our ServiceNation platform to deliver an AI business coach, and of course, we are planning to use the Agenda capabilities to better onboard customers to our payments and rebates platforms. Together, these upgrades significantly improve the customer experience by bringing AI capabilities with full end-to-end automation, boosting efficiency and revenue without adding headcount.

Thanks, Josh. ServerTalk is a strategic AI investment that will help drive our long-term growth while delivering greater value to our customers. The acquisition brings us a production-ready AI platform, a highly skilled technical team, and a proven technology that is purpose-built for the service-based industries. Our customers, by definition, are subscale operators, plumbers with a truck or three, small physician practices, and solo salon operators. To them, AI is a force multiplier. Harnessing the power of AI provides them a 24-hour receptionist, a billing department, and the not-so-distant future, a personal coach. We plan to leverage the AI and the capabilities acquired to increase the value proposition across all aspects of our solution set.