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Home CompaniesRego Payment Architectures Inc

Rego Payment Architectures Inc

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
0.41 USD 0.02 ( 4.33%)
Last update at 2026-11-09T17:49:00Z
VOLUME
14900
Market Cap
204.83M

Momentum Score

…

Rego Payment Architectures, Inc., together with its subsidiaries, provides consumer software solutions. The company provides Mazoola, a mobile payment platform that enables individual users to own and monetize their purchasing behavior. Its online solution enables families and parents to teach their children about financial management and spending, as well as provides children to make secure and private payments, savings, donations, and investments. The company also focuses on blockchain as a business solution for the retail and consumer packaged goods industries; and provides cloud storage as a service. The company was formerly known as Virtual Piggy, Inc. and changed its name to Rego Payment Architectures, Inc. in February 2017. Rego Payment Architectures, Inc. was incorporated in 2008 and is headquartered in Blue Bell, Pennsylvania.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.41
Low
0.41
High
52 Week Price Range
0.92
Low
1.73
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public information on Rego Payment Architectures Inc (OTCQB: RPMT) is limited; filings provide sparse operational detail. Available materials indicate a focus on payment processing and fintech services; if accurate, the company may benefit from secular growth in digital payments and merchant adoption. This exposure may attract investors while requiring careful scrutiny of execution and transparency.

Primary risks are sparse disclosure and OTCQB liquidity constraints, possible lack of proven revenues or profitability, intense competition and execution risk, and financing or dilution uncertainty.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.39
Dividend Yield
-
Revenue TTM
0.00M
Revenue Per Share
-
Gross Profit TTM
0.00M
Debt / Equity
-
ROE
-
Net Debt
12.93M
ROCE
45.38%
Diluted EPS TTM
-0.17

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -16.34M -11.05M -14.57M -3.19M -5.97M
Minority interest 0.00M 0.00M -0.00M 0.21M 0.23M
Net income -16.34M -11.05M -14.57M -3.18M -5.95M
Selling general administrative 13.36M 7.23M 3.24M 2.18M 4.22M
Gross profit - - - 0.03M 0.05M
Reconciled depreciation 0.04M 0.03M 0.03M 0.03M 0.03M
Ebit - -9.90M -13.81M -2.38M -5.04M
Ebitda -15.29M -9.94M -13.78M -2.47M -5.01M
Non operating income net other - - -10.57M -0.12M -
Operating income -15.42M -10.07M -3.24M -2.38M -5.04M
Interest expense 1.02M 1.08M 0.77M 0.70M 0.93M
Interest income 0.00M 0.00M - - -
Net interest income -1.01M -1.08M -0.77M -0.70M -0.93M
Income tax expense - - - - 0.00M
Total revenue 0.00M 0.00M 0.00M 0.03M 0.05M
Total operating expenses 15.42M 10.07M 3.24M 2.41M 5.08M
Cost of revenue - - - - 0.00M
Total other income expense net 0.09M 0.10M -10.57M -0.12M -0.93M
Net income from continuing ops -16.34M -11.05M -14.57M -3.19M -5.97M
Net income applicable to common shares - -11.78M -15.66M -4.27M -7.02M
Preferred stock and other adjustments - - 1.09M 1.09M 1.32M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 6.38M 1.04M 0.76M 0.79M 0.56M
Intangible assets 0.35M 0.38M 0.33M 0.35M 0.38M
Other current assets - - 0.16M - 0.02M
Total liab 40.36M 32.91M 38.13M 23.46M 19.64M
Total stockholder equity -33.89M -31.79M -37.31M -22.89M -19.32M
Other current liab 5.35M 7.93M 21.86M 6.31M 5.22M
Common stock - 0.01M 0.01M 0.01M 0.01M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.01M
Retained earnings -117.16M -99.55M -98.77M -83.13M -78.88M
Cash 6.01M 0.55M 0.27M 0.43M 0.01M
Total current liabilities 40.36M 32.91M 38.13M 23.46M 19.64M
Net debt 12.93M 18.18M 13.56M 11.06M 9.86M
Short term debt - - 3.16M 2.90M 9.87M
Short long term debt 18.94M 18.74M 13.83M 11.49M 9.87M
Property plant equipment - - - 0.01M 0.01M
Total current assets 6.02M 0.66M 0.44M 0.43M 0.06M
Long term investments - - - 0.00M 0.12M
Net tangible assets - -32.17M -37.31M -23.24M -19.70M
Short term investments - - - - 0.03M
Net receivables - - - 0.00M 0.00M
Accounts payable 6.86M 6.11M 13.12M 5.35M 4.12M
Noncontrolling interest in consolidated entity - - -0.06M 0.21M -
Common stock total equity - - 0.01M 0.01M 0.01M
Preferred stock total equity - - 0.00M 0.00M 0.00M
Retained earnings total equity - - -98.77M -83.13M -78.88M
Non currrent assets other - - 0.33M 0.35M 0.50M
Non current assets total 0.35M 0.38M 0.33M 0.35M 0.50M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -0.01M -0.08M -0.00M 0.00M -0.00M
Change to liabilities - 0.54M -0.15M 1.11M 1.53M
Total cashflows from investing activities - -0.08M -0.00M -0.00M -0.00M
Net borrowings - 4.72M 1.96M 1.66M 1.06M
Total cash from financing activities 11.73M 5.42M 2.04M 1.66M 1.31M
Change to operating activities - 0.05M -0.16M 0.05M 0.01M
Net income -16.34M -11.05M -14.57M -3.19M -5.97M
Change in cash 5.45M 0.28M -0.16M 0.42M 0.00M
Begin period cash flow 0.55M 0.27M 0.43M 0.01M 0.01M
End period cash flow 6.01M 0.55M 0.27M 0.43M 0.01M
Total cash from operating activities -6.26M -5.05M -2.19M -1.24M -1.31M
Issuance of capital stock 11.39M 0.68M - 0.00M 0.25M
Depreciation 0.04M 0.03M 0.07M 0.09M 0.04M
Other cashflows from investing activities - - -0.00M - -0.00M
Change to account receivables - - 0.00M 0.00M -0.00M
Sale purchase of stock - - - - 0.25M
Other cashflows from financing activities - - 0.08M - 0.25M
Change to netincome - 5.37M 12.39M 0.67M 2.75M
Capital expenditures 0.01M 0.08M 0.00M 0.00M 0.00M
Change receivables - - - 0.00M -0.00M
Cash flows other operating - - 0.07M 0.07M 0.36M
Cash and cash equivalents changes - - -0.16M 0.42M 0.00M
Change in working capital 6.15M 0.60M -0.31M 1.16M 1.54M
Stock based compensation - - - 0.00M -
Other non cash items 0.46M 2.62M 0.23M 0.06M 0.20M
Free cash flow -6.27M -5.14M -2.19M -1.24M -1.31M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
RPMT
Rego Payment Architectures Inc		 0.02
4.33%		 0.41 - - 1000000.00 - 1000000.00 -11.26
SAP
SAP SE ADR		 -
-%		 237.42 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 0.77
0.36%		 214.42 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 5.55
2.39%		 238.00 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 2.85
1.91%		 151.76 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

Rego Payment Architectures Inc

Rego Payment Architectures, Inc., together with its subsidiaries, provides consumer software solutions. The company provides Mazoola, a mobile payment platform that enables individual users to own and monetize their purchasing behavior. Its online solution enables families and parents to teach their children about financial management and spending, as well as provides children to make secure and private payments, savings, donations, and investments. The company also focuses on blockchain as a business solution for the retail and consumer packaged goods industries; and provides cloud storage as a service. The company was formerly known as Virtual Piggy, Inc. and changed its name to Rego Payment Architectures, Inc. in February 2017. Rego Payment Architectures, Inc. was incorporated in 2008 and is headquartered in Blue Bell, Pennsylvania.

325 Sentry Parkway, Blue Bell, PA, United States, 19422

267 465 7530

https://www.regopayments.com

4

Name Title Year Born
Mr. Peter S. Pelullo Pres, CEO & Director 1952
Joseph Robert Toczydlowski Chief Financial Officer NA
Mr. David Aparo Interim Chief Technology Officer NA
Mr. David A. Knight Chief of Marketing 1964
Steven Kravit Head of Product NA
Mr. Dan Aptor Head of Strategy NA
Ms. Kathleen C. Tobia Controller NA
Mr. Robert J. Marino Consultant and Sr. Advisor 1965

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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