Repay Holdings Corporation

Good afternoon. I'd like to welcome everyone to Repay's fourth quarter 2024 earnings conference call. This call is being recorded today, March 3rd, 2025. I'd like to turn the session over to Stuart Grisanti, head of investor relations at Repay. Stuart, you may begin.

Thank you.

Good afternoon and welcome to Repay's fourth quarter 2024 earnings conference call. With us today are John Morris, co-founder and chief executive officer, and Tim Murphy, chief financial officer. During this call, we will be making forward-looking statements about our beliefs and estimates regarding future events and results. Those forward-looking statements are subject to risks and uncertainties, including those set forth in the SEC filings related to today's results and in our most recent Form 10-K. Actual results may differ materially from any forward-looking statements that we make today. Forward-looking statements speak only as of today, and we do not assume any obligation or intent to update them, except as required by law. In an effort to provide additional information to investors, today's discussion will also reference certain non-GAAP financial measures. Reconciliations and other explanations of those non-GAAP financial measures can be found in today's press release and in the earnings supplement, each of which are available on the company's IR site. With that, I will now like to turn the call over to John.