Every 10-Q that REGO PAYMENT ARCHITECTURE (RPMT) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow RPMT and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full RPMT filings page.
Rego Payment Architectures, Inc. reports very limited early revenue while remaining highly leveraged and cash‑constrained. For the six months ended June 30, 2026, net revenue was $43,600 (all from B2B SaaS subscriptions) and the company recorded a net loss of $4,058,528, modestly lower than the prior year. Operating expenses fell to $3,409,888 from $4,414,729, mainly on reduced general and administrative costs.
Liquidity is the central issue. At June 30, 2026, cash was $95,014 against current liabilities of $53.2 million and a stockholders’ deficit of $52.8 million. Management states there is substantial doubt about the ability to continue as a going concern, and that based on approximately $250,000 of cash as of August 14, 2026, operations are only financed through September 2026.
The capital structure is dominated by secured convertible notes and unpaid preferred dividends. The company has $7.1 million of 10% secured convertible notes, $15.0 million of 4% secured convertible notes, other notes and stockholder loans, and a preferred dividend liability of $18.2 million. It continues to fund operations by issuing additional short‑term notes and options, while a $20 million shareholder line of credit has expired unused.
Rego Payment Architectures, Inc. reported a small start to revenue but remains deeply loss-making and highly leveraged for the quarter ended March 31, 2026. Net revenue was $11,750, up from zero a year earlier, while net loss narrowed to $1,937,521 from $2,743,488.
Cash and cash equivalents were only $85,250 at March 31, 2026 and about $105,000 as of May 20, 2026. Management states there is substantial doubt about the company’s ability to continue as a going concern and does not believe it can finance operations beyond May 2026 without new capital or much higher revenues.
Current liabilities totaled $50,786,405, including large 10% and 4% secured convertible notes payable to stockholders and accrued preferred dividends of $17,472,446. Stockholders’ deficit widened to $50,397,830. Operating cash outflow improved but remained significant at $793,437, funded partly by $720,000 of new debt raised in the quarter.
Rego Payment Architectures (RPMT) filed its Q3 2025 10‑Q, reporting no revenue and a continued focus on developing its Mazoola mobile payments platform. The company posted a Q3 net loss of $2,417,183, driven by operating expenses of $2,120,419 and interest expense of $296,764. For the nine months, net loss was $7,274,014.
Liquidity remains tight. Cash and cash equivalents were $1,691,485 as of September 30, 2025, and management noted approximately $1,000,000 as of November 14, 2025. The filing states substantial doubt about the ability to continue as a going concern and indicates funds to finance operations only through December 2025.
Leverage and fixed claims are significant. Current liabilities totaled $47,068,358, including 10% secured convertible notes payable of $6,141,237, 4% secured convertible notes of $14,981,250, and accrued preferred dividends of $16,090,210. Stockholders’ deficit was $(45,040,213). During Q3, the company raised $1,305,000 via additional 10% secured notes and converted 3,383 Series B preferred into 338,298 common shares. Common shares outstanding were 136,586,403 as of November 14, 2025.