RPMT on OTC

REGO PAYMENT ARCHITECTURES, INC.

REGO PAYMENT ARCHITECTURES, INC. is an American prepackaged software services company based in Hermosa Beach.2 Its shares trade on OTC under the symbol RPMT.2

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Last updated Oct 20, 2026.

Overview

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  • TickerRPMT on OTC2
  • IndustryServices-Prepackaged Software2
  • HeadquartersHermosa Beach, United States2
  • Incorporated inDE3
  • Business address325 Sentry Parkway, Suite 200, Blue Bell, Pa 194223
  • Filer categoryNon-accelerated filer, Smaller reporting company3
  • Legal formCorporation2
  • LEI549300YPWZS2AIKWPT792
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressC/O CORPORATION SERVICE COMPANY, 19808 Wilmington, United States2
  • Registered withDivision of Corporations, Department of State, 45036692

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Applications with machine intelligence – Automation becoming a necessity in the do-it-yourself environment.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-378491.5%Operating margin5
-426355.6%Net margin5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Research and development100¢$3.3M

Out of $2.2K in revenue.5 The company lost money this year.

Financial statements

Revenue6785$2.2K in 2025−93% since 2019
0$10.0K$20.0K$30.0K$40.0K2019: $34.5K$34.5K20192021: $2.6K$2.6K2021−92%2022: $2.1K$2.1K2022−21%2025: $2.2K$2.2K2025+9%
Operating income6978105-$8.5M in 2025+258% since 2019
-$20.0M-$15.0M-$10.0M-$5.0M02019: -$2.4M-$2.4M20192020: -$3.2M-$3.2M2020+36%2021: -$10.1M-$10.1M2021+210%2022: -$15.4M-$15.4M2022+53%2023: -$15.8M-$15.8M2023+2%2024: -$7.9M-$7.9M2024−50%2025: -$8.5M-$8.5M2025+7%
Net income6978105-$9.6M in 2025+201% since 2019
-$20.0M-$15.0M-$10.0M-$5.0M02019: -$3.2M-$3.2M20192020: -$14.6M-$14.6M2020+357%2021: -$11.1M-$11.1M2021−24%2022: -$16.3M-$16.3M2022+48%2023: -$16.7M-$16.7M2023+2%2024: -$8.9M-$8.9M2024−47%2025: -$9.6M-$9.6M2025+7%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
NET REVENUE$2.2K
Transaction expense$238.1K$345.6K
Sales and marketing$401.8K$630.7K
Product development$3.3M$3.3M
General and administrative$4.5M$3.7M
Total operating expenses$8.5M$7.9M
NET OPERATING LOSS-$8.5M-$7.9M
Other income$60.2K
Interest expense, net-$1.1M-$988.8K
Total Other Interest expense-$1.1M-$988.8K
NET LOSS-$9.6M-$8.9M
LESS: Accrued preferred dividends-$2.8M-$2.7M
NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS-$12.4M-$11.6M
BASIC NET LOSS PER COMMON SHARE (in Dollars per share)-$0.09-$0.09
DILUTED NET LOSS PER COMMON SHARE (in Dollars per share)-$0.09-$0.09
BASIC WEIGHTED AVERAGE COMMON SHARES OUTSTANDING (in Shares)136.3M shares136.0M shares
DILUTED WEIGHTED AVERAGE COMMON SHARES OUTSTANDING (in Shares)136.3M shares136.0M shares

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Corporate structure

REGO PAYMENT ARCHITECTURES, INC. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of REGO PAYMENT ARCHITECTURES, INC.

  • John Paul Dejoria Filed SC 13D/A on REGO PAYMENT ARCHITECTURES, INC., latest May 20, 2024 (2 filings since May 26, 2023)
  • Peter S. Pelullo Filed SC 13D/A on REGO PAYMENT ARCHITECTURES, INC., latest Mar 17, 2022
  • REGO PAYMENT ARCHITECTURES, INC. Hermosa Beach, California, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What REGO PAYMENT ARCHITECTURES, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$158.7K5 Dec 31, 2025$3.0M5 Dec 31, 2024−94.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Finite-lived intangibles, gross$259.3K5 Dec 31, 2025$286.9K5 Dec 31, 2024−9.6%
Accumulated amortization$409.6K5 Dec 31, 2025$369.6K5 Dec 31, 2024+10.8%
Finite-lived intangibles, net$259.3K5 Dec 31, 2025$286.9K5 Dec 31, 2024−9.6%

Properties, in its own words

Our principal offices are currently located at 325 Sentry Parkway, Blue Bell, PA 19422, and are leased on a month- to-month basis at $450 per month.

Item 2 of the 10-K filed Mar 31, 2026.4

Leadership

Who has led REGO PAYMENT ARCHITECTURES, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Jo Webber2013–2015
  2. Kathe Mae Anchel2015
  3. John R. Coyne2016
  4. Peter S. Pelullo2020–2022

Chair

  1. Jo Webber2013–2015

President

  1. Kathe Mae Anchel2015

Chief financial officer

  1. Ernest Cimadamore2011
  2. Joseph P. Dwyer2012–2014
  3. Scott Alan McPherson2015–2021
  4. Joseph Robert Toczydlowski2022–2023
201520202025
Board members and other officers (19)

Former names

  • VIRTUAL PIGGY, INC.Aug 30, 2011 to Mar 16, 20173
  • Moggle, Inc.Jul 1, 2008 to Aug 12, 20113

Timeline

  1. May 27, 20268-K Bylaws or fiscal year changed36
  2. Mar 14, 20258-K New debt or obligation37
  3. Jan 28, 20258-K Bylaws or fiscal year changed38
  4. Oct 3, 20248-K Change of auditor39
  5. May 17, 20248-K Other events40
  6. Mar 19, 20248-K New debt or obligation41
  7. Mar 16, 20238-K New debt or obligation; Other events42
  8. Mar 14, 20238-K Other events43
  9. Oct 17, 20228-K Bylaws or fiscal year changed44
  10. May 18, 20228-K Other events45
  11. Sep 10, 2020New chief executive Peter S. Pelullo becomes CEO13
  12. Apr 20, 2016New chief executive John R. Coyne becomes CEO14
  13. Dec 10, 2015New chief executive Kathe Mae Anchel becomes CEO15
  14. Mar 8, 2013New chief executive Jo Webber becomes CEO16

Filings

42 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 10 major events, 8 insider forms, 3 large holders, 1 other. The latest 20:

  1. Aug 14, 202610-Q EDGAR
  2. May 27, 20268-K EDGAR
  3. May 20, 202610-Q EDGAR
  4. May 15, 2026NT 10-Q EDGAR
  5. Mar 31, 202610-K EDGAR
  6. Nov 14, 202510-Q EDGAR
  7. Aug 14, 202510-Q EDGAR
  8. May 15, 202510-Q EDGAR
  9. Mar 31, 202510-K EDGAR
  10. Mar 14, 20258-K EDGAR
  11. Feb 3, 20254 OWNERSHIP DOCUMENT EDGAR
  12. Jan 28, 20258-K EDGAR
  13. Nov 14, 202410-Q EDGAR
  14. Oct 3, 20248-K EDGAR
  15. Aug 14, 202410-Q EDGAR
  16. May 20, 20244 OWNERSHIP DOCUMENT EDGAR
  17. May 20, 2024SC 13D/A EDGAR
  18. May 17, 20248-K EDGAR
  19. May 15, 202410-Q EDGAR
  20. Apr 1, 202410-K EDGAR

The 42 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • John Paul DejoriaSC 13D/A, 2 filings May 26, 2023 to May 20, 202446
  • Peter S. PelulloSC 13D/A, 1 filing Mar 17, 202247

SEC filer profile

How REGO PAYMENT ARCHITECTURES, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARREGO PAYMENT ARCHITECTURES, INC.1
  • CIK0001437283
  • Employer ID (EIN)35-23276494
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inDelaware4
  • Fiscal year endsDecember 311
  • Industry code (SIC)7372 Services-Prepackaged Software1
  • SEC reviewing officeOffice of Technology, Division of Corporation Finance1
  • Business address325 Sentry Parkway, Suite 200, Blue Bell, PA 194221
  • Phone267-465-75301
  • Shares outstanding136,697,503 as of Aug 14, 202612
  • Public float$51.4M as of Jun 30, 20254
  • AuditorStephano Slack LLC, Wayne, Pennsylvania PCAOB ID 3523; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceJul 1, 20081
  • Filings353 in all: 8-K (95), 4 (86), 10-Q (54), 3 (26), 10-K (18), D (11), EFFECT (6), SC 13D/A (6)1
    All 31 form types

    UPLOAD (5), 10-K/A (4), 8-K/A (4), CORRESP (4), S-1/A (4), 10-Q/A (3), NT 10-Q (3), S-1 (3), 5 (2), DEF 14A (2), NT 10-K (2), POS AM (2), PRE 14A (2), SC 13D (2), 3/A (1), 4/A (1), 424B3 (1), 8-A12G (1), D/A (1), DEFA14A (1), S-3 (1), S-3/A (1), SC 13G (1)

  • Latest filingsAnnual report (10-K) Mar 31, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Jun 24, 2014
    Latest 8-K (8-K) May 27, 2026

Risk factors and legal proceedings

The risks REGO PAYMENT ARCHITECTURES, INC. names in Item 1A of its 10-K filed Mar 31, 2026: 39 risks under these headings, as written.4

  • RISKS RELATED TO OUR BUSINESS
  • We have a history of losses, have yet to begin generating significant revenue, will require additional capital, and our auditors have raised substantial doubt about our ability to continue as a going concern.
  • In order to execute our business plan and pay expenses in connection with unforeseen events, we will need to raise additional capital, which may not be available on terms acceptable to us, if at all.
  • We are essentially a start-up company with an unproven business model which makes it difficult to evaluate our current business and future prospects.
  • Our management has limited experience in our relatively new industry, which may make it difficult for you to evaluate our business prospects.
  • We are developing a service platform which is new to the market and there is substantial uncertainty regarding the level of consumer and industry acceptance, if any, of our platform.
  • Fluctuations in demand for our Platform may have a material adverse effect on our business, operating results and financial condition.
  • If we do not remain proactive with technological development to provide new products and services, the use of our services may not be adopted.
  • Weak consumer spending may adversely affect our business prospects, financial condition and results of operations.
  • Undetected programming errors or flaws in our Platform could harm our reputation or prevent market acceptance of the Platform which would materially and adversely affect our business prospects, reputation, financial condition and results of operations.
  • Our future growth is largely dependent upon our ability to develop technologies that achieve market acceptance with acceptable margins.
  • Security breaches and other disruptions could compromise our information and expose us to liability, which would cause our business and reputation to suffer.
The other 28 risks
  • Our plans are dependent upon key individuals and the ability to attract qualified personnel, as well as our relationship with outside developers.
  • RISKS RELATED TO INTELLECTUAL PROPERTY, TECHNOLOGY AND REGULATION
  • Our lack of patent and/or copyright protection and any unauthorized use of the Platform by third parties may adversely affect our business.
  • We may be subject to claims with respect to the infringement of intellectual property rights of others, which could result in substantial costs and diversion of our financial and management resources.
  • The impact of laws regulating financial institutions may adversely impact our business.
  • Changes to payment card networks or bank fees, rules, or practices could harm our business and, if we do not comply with the rules, could result in the termination of our ability to accept credit cards. If we are unable to accept credit cards, our competitive position would be seriously damaged.
  • Any capacity constraints or system disruptions, including natural disasters, could have a material adverse effect on our business.
  • Our business will be dependent upon broadband carriers.
  • Use of our services for illegal purposes could be detrimental to our business.
  • We may be subject to credit card transaction fraud.
  • If we are unable to effectively protect our intellectual property rights on a worldwide basis, we may not be successful in the planned international expansion of our Platform.
  • RISKS RELATED TO OUR COMMON STOCK
  • Our strategic alternatives process may not result in a successful corporate transaction or liquidity event.
  • If we are unable successfully to manage growth, our operations could be adversely affected.
  • As a public company, we are required to incur substantial expenses.
  • We operate in a highly competitive industry and compete against many large companies.
  • Trading in our common stock has been limited, there is no significant trading market for our common stock, and purchasers of our common stock may be unable to sell their shares.
  • We may not be able to qualify to have our common stock listed on a national stock exchange.
  • Applicable SEC rules governing the trading of “penny stocks” may limit the trading and liquidity of our common stock which may affect the trading price of our common stock.
  • We have outstanding shares of preferred stock with rights and preferences superior to those of our common stock.
  • Sales of a substantial number of shares of our common stock in the public market originally issued through the conversion of preferred stock, exercise of options or warrants, or additional financing transactions could adversely affect the market price of our common stock and would have a dilutive effect upon our shareholders.
  • We intend to raise additional funds in the future through issuances of securities and such additional funding may be dilutive to shareholders or impose operational restrictions.
  • Because we do not expect to pay dividends in the foreseeable future, investors seeking cash dividends should not purchase shares of common stock.
  • We are not subject to certain corporate governance provisions of the Sarbanes-Oxley Act of 2002 and without voluntary compliance with such provisions, our shareholders will not receive the benefits and protections they were enacted to provide.
  • We will be required to remain current in our filings with the SEC or our securities will not be eligible for continued quotation on the OTC QB.
  • If we issue shares of preferred stock with superior rights to the shares of common stock, it could result in a decrease in the value of our common stock and delay or prevent a change in control of us.
  • Provisions of our certificate of incorporation, bylaws and Delaware law may make a contested takeover of our Company more difficult.
  • The influx of additional shares of our common stock onto the market pursuant to SEC Rule 144 may create downward pressure on the trading price of our common stock.
  • We may require shareholders to authorize additional shares for us to properly finance our business.
  • RISKS RELATED TO OUR FINANCIAL STATEMENTS
  • Management’s judgment could impact the amount of non-cash compensation expense.

Legal proceedings

We are not a party to any pending legal proceedings, nor are we aware of any governmental authority contemplating any legal proceeding against us.

In September 2014, the Company received a subpoena from the Securities and Exchange Commission with respect to the preservation and production of documents relating to an investigation into trading in the Company’s stock. The subpoena states that it should not be construed as an indication by the Securities and Exchange Commission that any violation of law has occurred, nor as a reflection upon any person, entity or security. The Company has been cooperating fully with the terms of the subpoena.

The opening of Item 3, Legal Proceedings.4

Sources

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