1 Investor Presentation – Q3 2017

2

This presentation includes “forward-looking statements” within the meaning of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995. JetPay’s actual results may differ from its expectations, estimates and projections and consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” and similar expressions are intended to identify such forward-looking statements. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from the expected results. Most of these factors are outside JetPay’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to, those described under the heading “Risk Factors” in the Company’s Annual Report filed with the Securities and Exchange Commission (“SEC”) on Form 10-K for the fiscal year ended December 31, 2016, the Company’s Quarterly Reports on Forms 10-Q and the Company’s Current Reports on Form 8-K. Additional information concerning these and other risk factors is contained in JetPay’s most recent filings with the SEC. All subsequent written and oral forward-looking statements concerning JetPay or other matters and attributable to JetPay or any person acting on its behalf, are expressly qualified in their entirety by the cautionary statements above. JetPay cautions readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. JetPay does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. This presentation shall not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of securities in any jurisdictions in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.

Safe Harbor Statement

Forward Looking Statements

3

About JetPay

• Offices in Pennsylvania, Texas and Florida. • Serv ing clients across the US and Canada.

JetPay is a fast growing provider of electronic payment processing and human capital management solutions.

235 Full Time

Employees

Payroll Checks Processed in 2016

4 Million 4.3 Billion Card Volume

Processed in 2016

$

HR & Payroll Payments

56.3 Million $ 37.7 Million $ Revenue FY 2016 Revenue 1H 2017

Consolidated

4

About JetPay – Revenue Trend

2014 2015 2016 1H 2017

59%

41%

34%

66%

27%

73%

Payments HR & Payroll $40.7 Million

Revenue FY 2016 $15.6 Million

Revenue FY 2016 2-Year CAGR - 6.65% 2-Year CAGR - 43.74%

$56.3 Million Revenue FY 2016

2-Year CAGR - 29.78%

22%

78%

* Projected 3 – Year CAGR

* Projected 3-Year CAGR based on 1H 2017 actual and estimated 2H 2017.

Consolidated $33.4 M

$56.3 M

31.1 %

$37.7 M $43.3 M

5

About JetPay – Acquisition Timeline

2012 Acquisition of

HR & Payroll and Payments Services

Companies.

2014 Acquisition expands Financial Institutions, ISOs and VARs

2016 Acquisition

expanding into Government

and Utilities

2017 Additional long term contract based on previous acquisitions

6

About JetPay

Payments HR & Payroll Our People End-to-End Payment Processing Platform

• Online, Recurring, Virtual Terminal

• Managed payment processing

• Settlement of Funds

• Transaction Reporting & Analysis

• Security and Fraud Services

• Comprehensive Solutions Set

• Custom and API Integration

• Omni-Channel Acceptance

Proven Leadership Team

• Diane (Vogt) Faro – CEO

• Michael Collester – COO

• Gregory Krzemien – CFO

• Peter Davidson – Vice Chairman

• John Crouch – CIO • Michael Pires – President HR & Payroll • Michelle Jenkins – CMO

Full Suite Human Capital Management

• Payroll & Tax Filing

• Workforce Today – HCM

• Application Tracking & Hiring

• Onboarding

• Time & Attendance

• ACA & Benefits

• Compliance & Recordkeeping

7

Historical Performance Payments and HR & Payroll

8

Payments – 1H 2017 Revenue by Channel

Segment Performance

17%

Direct Integration - $13.0 Million

Government / Utilities - $11.2 Million

Financial Institutions - $5.1 Million

HR & Payroll – 1H 2017 Revenue by Product

12%

WebPay - $4.7 Million

Tax Filing & Other - $2.7 Million

Workforce Today - $1.0 Million

45% 38%

57%

31%

9

Payments Performance

.

Strong Business Model • Industry 7.4% Card Payments Growth

• JetPay 30% Growth last Two Years

• JetPay 58% Growth in 1H 2017 Flexible and Stable

• Independent processing platform allows flexibility

• 99.99 % uptime over last five years

• Significant Unused Processing Capacity

Sustainable and Predictable • Long term contracts

• Retained customer base

• Recurring Fees

• Integrations

10

Payments Performance

Year Over Year Revenue Growth

FY 2014 FY 2015 FY 2016 1H 2017

$19.7 Million

$28.6 Million

$40.7 Million

$29.3 Million

11

Payments Competitive Advantage

Integrated and eCommerce • ISV payment solutions – PayFac and API Integrations

• Customized direct integration expertise

• Gateway technology with expanded capabilities

• Proprietary technology platforms Integrated and eCommerce

Government and Utility

Government and Utility • Experienced in Government and Utility sectors

• Omnichannel solutions phone, online, mobile and POS

• Integrations with core government and utility platforms • Proven strategy building relationship synergies –

Chicago Lighthouse and Alphapointe - Missouri

12

HR & Payroll Performance

.

Strong Business Model • $5.2 Billion volume in 2016

• 4.0 Million payroll checks in 2016

• Workforce Today offers large market opportunities

• Sales pipeline increased with payment clients

Flexibility and Capacity • Proprietary platform allows for flexibility

• Leverage tax filing services for client growth

• Significant unused processing capacity

Predictable • Recurring revenue base

• Ability to cross sell add-on products

• Long term customer relationships

13

HR & Payroll Performance

Year Over Year Revenue Growth

FY 2014 FY 2015 FY 2016 1H 2017

$13.7 Million

$14.7 Million $15.6 Million

$8.4 Million

14

HR & Payroll Competitive Advantage

White Glove Service

Human Capital Management

White Glove Service • 1 to 1 service model Account Management

• Relationship Managers dedicated to education

• Strong organic growth for HCM revenues within existing clients

• Flexible solutions for small and mid-sized businesses

• Ability to scale as businesses grow Solutions for Hire to Retire

• Full suite of HCM solutions attracting a higher end larger client

• Workforce Today is a single database, cloud-based platform

• Sales team with track record and expertise to secure larger businesses

• Large sales pipeline - 80% of companies outsourcing payroll and tax filing

• Cross sell opportunities with Payment Services client base

15

Financials

16

Shares Outstanding

15.6 Million Fully Diluted Shares

33.6 Million * Market Capitalization

$67.2 Million *

Enterprise Value $74.9 Million *

Price $2.00

52 Week High / Low $3.19 $1.45

12 Month Avg. Daily Volume

9,420

Publically Traded

JTPY

Key Facts – Share Statistics

*As of close date of 08/31/2017. Excludes UPO available to Early Bird Capital and Stock Options Based on Fully Diluted shares. Excludes accretion of Preferred Stock

*

17

Long Term Debt

Redeemable Convertible Preferred

Shareholder Equity

Cash 8.5 Million

16.3 Million

8.7 Million *

54.1 Million

$

$

$

$

Key Facts – Capital Structure – June 30, 2017

62.8 Million $ Total Equity

* Includes $3.5 Million of Common stock, subject to possible redemption

18

Quarterly EBITDA & Adjusted EBITDA

Mar 2016 Jun 2016 Sept 2016 Dec 2016 Mar 2017 Jun 2017

Quarterly EBITDA

Non-GAAP Financial Measures These comments include a discussion of non-GAAP financial measures as defined in Regulation G of the Securities and Exchange Act of 1934, as amended. We report our financial results in compliance with GAAP, but believe that also discussing non-GAAP measures prov ides investors with financial measures it uses in the management of our business. This presentation includes EBITDA and pro forma EBITDA measurements. We define EBITDA as operating income (loss), before interest, taxes, depreciation, amortization of intangibles, and non-cash changes in the fair value of contingent consideration liability. We define pro forma EBITDA as EBITDA, as defined above, plus certain non-recurring items, including certain legal and professional costs for non-repetitive matters, legal settlement costs, non-cash stock option costs, and non-cash losses on the disposal of fixed assets. These measures may not be comparable to similarly tit led measures reported by other companies. Management uses EBITDA and pro forma EBITDA as indicators of the Company’s operating performance and ability to fund acquisitions, capital expenditures and other investments and, in the absence of refinancing options, to repay debt obligations. Management believes EBITDA and pro forma EBITDA are helpful to investors in evaluating the Company’s operating performance because non-cash costs and other items that management believes are not indicative of its results of operations are excluded. EBITDA and pro forma EBITDA are supplemental non-GAAP measures and should not be considered as a substitute for, or superior to, measures of financial performance prepared in accordance with GAAP such as net income or income from operations. Non-GAAP financial measures do not reflect a comprehensive system of accounting, may differ from GAAP measures with the same names, and may differ from non-GAAP financial measures with the same or similar names that are used by other companies.

$0.4 M

$1.1 M

$0.6 M $0.5 M

$0.9 M $0.8 M

$1.2 M $1.4 M

$1.7 M

$1.1 M

Adjusted EBITDA

19

Long Term Relationships

Government and

Utilities Direct Integration ISV Partnerships

Human Capital Management

Trending to Full Suite of HR, Payroll, Compliance, Time

and Attendance Hire to Retire

Platform Stability

99.9% uptime for the

last five years superior performance and

capacity

Strategic Acquisitions

Technology companies

Client-based opportunities

Expanded Gateway

Cloud based with

expanded API and custom opportunities

Moving Forward – Key Drivers

20

Contact Investor Relations Investorinquiries@jetpay.com Corporate Address 3939 West Drive Center Valley, PA 18034

Investor Presentation – Q3 2017