Document:

EX-10.9

 Exhibit 10.9 

THIRD AMENDMENT TO CREDIT AGREEMENT 

THIS THIRD AMENDMENT TO CREDIT AGREEMENT, dated as of May 8, 2014 (this “Amendment”), is entered into among EVO PAYMENTS
INTERNATIONAL, LLC, a Delaware limited liability company (the “Borrower”), the Guarantors party hereto, the Lenders party hereto, and SUNTRUST BANK, as Administrative Agent for the Lenders (in such capacity, the
“Administrative Agent”). Capitalized terms used herein and not otherwise defined shall have the meanings ascribed thereto in the Credit Agreement (as defined below). 

RECITALS 
 WHEREAS, the
Borrower, the Guarantors, the Lenders and the Administrative Agent are parties to that certain Credit Agreement, dated as of May 30, 2012, as amended by that certain First Amendment to Credit Agreement and Security Agreement dated as of
June 7, 2013 and by that certain Second Amendment to Credit Agreement dated as of December 24, 2013 (as the same may be further amended, modified, extended, supplemented or restated from time to time, the “Credit
Agreement”); and 
 WHEREAS, the parties hereto have agreed to amend the Credit Agreement, as provided herein. 

NOW, THEREFORE, in consideration of the agreements contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as follows: 
 AGREEMENT 

1. Amendments and Acknowledgement. 

(a) The first parenthetical in Section 5.1(a) of the Credit Agreement is amended by adding “for such fiscal year” after
“120 days”. 
 (b) The introductory phrase of Section 5.1(b) of the Credit Agreement is amended and restated as follows: 

“as soon as available and in any event within 60 days after the end of each of the first three Fiscal Quarters of each Fiscal Year,”

 (c) The table in Section 6.1 of the Credit Agreement is amended by (i) replacing the Consolidated Leverage Ratio required for
June 30, 2014 with “5.00:1.00” and (ii) replacing the Consolidated Leverage Ratio required for September 30, 2014 with “4.75:1.00”. 

(d) Schedule I of the Credit Agreement is amended in its entirety to read in the form of such Schedule I attached hereto, which revised
schedule (i) reflects the movement of Community & Southern Bank from a Multicurrency Lender to a Dollar Lender and (ii) reflects the increase in the overall Revolving Commitments pursuant to Section 2.23 occurring
concurrently with the execution of this Amendment. 
 (e) The parties hereto acknowledge and agree that the Additional Commitment Amount
referred to in Section 2.23 of the Credit Agreement shall remain at $50,000,000 after giving effect to the increase in Revolving Commitments pursuant to Section 2.23 occurring concurrently with the execution of this Amendment. 

 2. Effectiveness; Conditions Precedent. This Amendment shall be effective when all of the
conditions set forth in this Section 2 shall have been satisfied (the “Third Amendment Effective Date”): 

(a) The Administrative Agent shall have received a counterpart of this Amendment signed by or on behalf of the Borrower, the
Guarantors, the Administrative Agent, the Required Lenders and Lenders holding at least a majority of the outstanding Revolving Loans. 

(b) The Administrative Agent shall have received a certificate signed by a Responsible Officer of the Borrower certifying that:

 (i) All of the representations and warranties in the Loan Documents are true and correct in all material respects (except
that any representation or warranty that is qualified as to “materiality” or “Material Adverse Effect” shall be true and correct in all respects) as of the Third Amendment Effective Date (other than representations and warranties
which are as of a specific date, which shall be true and correct in all material respects or in all respects, as applicable, as of such date); and 

(ii) After giving effect to this Amendment, no Default or Event of Default shall have occurred and be continuing or would
result from any proposed Borrowings to be made on the Third Amendment Effective Date; 
 (c) The Administrative Agent shall
have received payment of all fees due and payable by the Loan Parties pursuant to the Fee Letter, dated as of the date hereof, to or for the account of the Lenders, Administrative Agent or the Arranger. 

3. Expenses. Subject to the limitations set forth in Section 9.3 of the Credit Agreement, the Loan Parties agree to reimburse the
Administrative Agent for all reasonable out-of-pocket costs and expenses of the Administrative Agent incurred in connection with the preparation, execution and delivery of this Amendment, including without limitation the reasonable fees and expenses
of Moore & Van Allen PLLC. 
 4. Ratification of Credit Agreement. Each Loan Party acknowledges and consents to the terms set
forth herein and agrees that this Amendment does not impair, reduce or limit any of its obligations under the Loan Documents, as amended hereby. This Amendment is a Loan Document. 

5. Authority/Enforceability. Each Loan Party represents and warrants as follows: 

(a) It has taken all necessary corporate or other organizational action to authorize the execution, delivery and performance of
this Amendment. 
 (b) This Amendment has been duly executed and delivered by such Loan Party and constitutes its legal,
valid and binding obligations, enforceable in accordance with its terms, subject to applicable Debtor Relief Laws and to general principles of equity. 

(c) No approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental
Authority or any other Person is necessary or required in connection with the execution, delivery or performance by such Loan Party of this Amendment. 

(d) The execution and delivery of this Amendment does not (i) contravene the terms of its Organization Documents
(ii) violate any Law or (iii) contravene any contracts to which such Loan Party is bound. 

 6. Representations and Warranties of the Loan Parties. Each Loan Party represents and
warrants to the Lenders that after giving effect to this Amendment (a) the representations and warranties set forth in Article IV of the Credit Agreement are true and correct in all material respects (or, if such representation or warranty is
qualified by materiality or Material Adverse Effect, it shall be true and correct in all respects as written) as of the date hereof, except to the extent that such representations and warranties specifically refer to an earlier date, in which case
they shall be true and correct in all material respects as of such earlier date and (b) no event has occurred and is continuing which constitutes a Default. 

7. Counterparts/Telecopy. This Amendment may be executed in any number of counterparts, each of which when so executed and delivered
shall be an original, but all of which shall constitute one and the same instrument. Delivery of executed counterparts of this Amendment by telecopy or other secure electronic format (.pdf) shall be effective as an original. 

8. GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE GOVERNED BY AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 
 9. Successors and Assigns. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors and assigns. 
 10. Headings. The headings of the
sections hereof are provided for convenience only and shall not in any way affect the meaning or construction of any provision of this Amendment. 

11. Severability. If any provision of this Amendment is held to be illegal, invalid or unenforceable, (a) the legality, validity
and enforceability of the remaining provisions of this Amendment shall not be affected or impaired thereby and (b) the parties shall endeavor in good faith negotiations to replace the illegal, invalid or unenforceable provisions with valid
provisions the economic effect of which comes as close as possible to that of the illegal, invalid or unenforceable provisions. The invalidity of a provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in
any other jurisdiction. 
 [remainder of page intentionally left blank] 

 Each of the parties hereto has caused a counterpart of this Amendment to be duly executed and delivered as of the
date first above written. 
  

							
	 BORROWER:
	 		 	 EVO PAYMENTS INTERNATIONAL, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
	 GUARANTORS:
	 		 	 EVO MERCHANT SERVICES, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 ENCORE PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 VISION PAYMENT SOLUTIONS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 NATIONWIDE PAYMENT SOLUTIONS, LLC,

a Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
		
		 	[Signature Pages Continue]

							
		 		 	 COMMERCE PAYMENT GROUP, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 EVO DIRECT, LLC,
 a Delaware limited
liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 PRODIGY PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 MOMENTUM PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 MOCA PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
		
		 	[Signature Pages Continue]

							
		 		 	 POWERPAY, LLC,
 a Maine limited
liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 POWERPAY CAPITAL, LLC,
 a Delaware
limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 EVO PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 EVO POWERPAY HOLDINGS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 CVE EVO, LLC,
 a Delaware limited
liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 E-ONLINEDATA, LLC,
 a Delaware
limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
		
		 	[Signature Pages Continue]

 
			
	 E-ONLINEDATA-POWERPAY, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 MEINC, LLC,
 a Delaware limited
liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer

 [Signature Pages Continue] 

							
	 ADMINISTRATIVE
 AGENT:
	 		 	 SUNTRUST BANK,
 as Administrative
Agent, Issuing Bank and Swingline Lender

				
		 		 	By:	 	 /s/ David Bennett

		 		 	Name:	 	David Bennett
		 		 	Title:	 	Director
			
	 LENDERS:
	 		 	 SUNTRUST BANK,
 as a
Lender

				
		 		 	By:	 	 /s/ David Bennett

		 		 	Name:	 	David Bennett
		 		 	Title:	 	Director
			
		 		 	 BANK OF AMERICA, N.A.,
 as a
Lender

				
		 		 	By:	 	 /s/ Jonathan Jacob

		 		 	Name:	 	Jonathan Jacob
		 		 	Title:	 	Vice President
			
		 		 	 PEOPLE’S UNITED BANK,
 as a
Lender

				
		 		 	By:	 	 /s/ Robert M. Carley

		 		 	Name:	 	Robert M. Carley
		 		 	Title:	 	S.V.P.
			
		 		 	 SYNOVUS BANK,
 as a
Lender

				
		 		 	By:	 	 /s/ William Buchy

		 		 	Name:	 	William Buchy
		 		 	Title:	 	Corporate Banker
			
		 		 	 PNC BANK, NATIONAL ASSOCIATION,
 as
a Lender

				
		 		 	By:	 	 /s/ Susan J. Dimmick

		 		 	Name:	 	Susan J. Dimmick
		 		 	Title:	 	Senior Vice President
			
		 		 	 REGIONS BANK,
 as a
Lender

				
		 		 	By:	 	 /s/ Knight D. Kieffer

		 		 	Name:	 	Knight D. Kieffer
		 		 	Title:	 	Vice President
			
		 		 	 WELLS FARGO BANK, NATIONAL ASSOCIATION,

as a Lender

				
		 		 	By:	 	 /s/ G. Mandellay, Jr.

		 		 	Name:	 	G. Mandellay, Jr.
		 		 	Title:	 	SVP

 
			
	 JPMORGAN CHASE BANK, N.A.,
 as a
Lender

		
	By:	 	 /s/ Goh Siew Tan

	Name:	 	Goh Siew Tan
	Title:	 	Executive Director

  

			
	 SANTANDER BANK, N.A. (f/k/a SOVEREIGN BANK N.A.),

as a Lender

		
	By:	 	 /s/ Douglas J. Meyer

	Name:	 	Douglas J. Meyer
	Title:	 	Vice President

  

			
	 CERTUSBANK, N.A.,
 as a
Lender

		
	By:	 	 /s/ Stacy B. Brandon

	Name:	 	Stacy B. Brandon
	Title:	 	Senior Vice President

  

			
	 ALLIED IRISH BANKS PLC,
 as a
Lender

		
	By:	 	 /s/ Roisin O’Connell

	Name:	 	Roisin O’Connell
	Title:	 	Senior Vice President
		
	By:	 	 /s/ Donna Cleary

	Name:	 	Donna Cleary
	Title:	 	Vice President

  

			
	 COMERICA BANK,
 as a
Lender

		
	By:	 	 /s/ Timothy O’Rourke

	Name:	 	Timothy O’Rourke
	Title:	 	Vice President

  

			
	 COMMUNITY & SOUTHERN BANK,
 as a
Lender

		
	By:	 	 /s/ Lissette Rivera-Pauley

	Name:	 	Lissette Rivera-Pauley
	Title:	 	SVP, Senior Debt Specialist

			
	 AIB DEBT MANAGEMENT LTD
 as a
Lender

		
	By:	 	 /s/ Roisin O’Connell

	Name:	 	Roisin O’Connell
	Title:	 	Senior Vice President
		 	 Investment Advisor to
 AIB Debt Management,
Limited

		
	By:	 	 /s/ Donna Cleary

	Name:	 	Donna Cleary
	Title:	 	Vice President
		 	 Investment Advisor to
 AIB Debt Management,
LimitedEX-10.10

 Exhibit 10.10 

FOURTH AMENDMENT TO CREDIT AGREEMENT 

THIS FOURTH AMENDMENT TO CREDIT AGREEMENT, dated as of May 7, 2015 (this “Amendment”), is entered into among EVO
PAYMENTS INTERNATIONAL, LLC, a Delaware limited liability company (the “Borrower”), the Guarantors party hereto, the Lenders party hereto, and SUNTRUST BANK, as Administrative Agent for the Lenders (in such capacity, the
“Administrative Agent”). Capitalized terms used herein and not otherwise defined shall have the meanings ascribed thereto in the Credit Agreement (as defined below). 

RECITALS 
 WHEREAS, the
Borrower, the Guarantors, the Lenders and the Administrative Agent are parties to that certain Credit Agreement, dated as of May 30, 2012, as amended by that certain First Amendment to Credit Agreement and Security Agreement dated as of
June 7, 2013, by that certain Second Amendment to Credit Agreement dated as of December 24, 2013 and by that certain Third Amendment to Credit Agreement dated as of May 8, 2014 (as the same may be further amended, modified, extended,
supplemented or restated from time to time, the “Credit Agreement”); and 
 WHEREAS, the parties hereto have agreed to
amend the Credit Agreement, as provided herein. 
 NOW, THEREFORE, in consideration of the agreements contained herein, and for other good
and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows: 
 AGREEMENT

 1. Amendments and Acknowledgement. 

(a) Subsection (v) of the definition of Consolidated EBITDA is amended in its entirety as follows: 

(x) nonrecurring expenses incurred in connection with consummated acquisitions of, or joint ventures with respect to,
Restricted Subsidiaries (whether such acquisitions or joint ventures are with respect to assets or Capital Stock) permitted pursuant to the terms hereof with respect to (1) transaction fees and transfer taxes incurred in connection with the
acquisition of 66% of the share capital of Centrum Elektronicznych Uslug Platniczych “eService” sp. z.o.o. in an aggregate amount not to exceed $6,250,000 in any twelve month period and (2) transaction fees incurred in connection with
any other consummated transaction and (y) nonrecurring expenses incurred in connection with unconsummated acquisitions or joint ventures (whether such acquisitions or joint ventures are with respect to assets or Capital Stock) that would have
been permitted pursuant to the terms hereof if so consummated, in an aggregate amount not to exceed $1,500,000 in any twelve month period; provided that all such expenses set forth in clauses (x) and (y) shall be added back in the period
in which they are incurred. 
 (b) The definition of “Indebtedness” is amended by including the following sentence at the end of
such definition: 

 “Indebtedness” shall not include Settlement Obligations incurred in the
ordinary course of business. 
 (c) The definition of “Consolidated Net Debt” is amended in its entirety as follows: 

“Consolidated Net Debt” shall mean, as of any date, Consolidated Total Debt minus (i) cash or
Permitted Investments of Loan Parties in excess of $10,000,000 held in deposit accounts or securities accounts, as applicable, subject to customary deposit account or securities account control agreements in favor of the Administrative Agent;
provided that the aggregate amount of cash subtracted from Consolidated Total Debt pursuant to this clause (i) shall in no event exceed $25,000,000, and minus (ii) the aggregate outstanding amount of any Prefunded Debt
Facility; provided that Consolidated Net Debt shall be calculated without regard to any Excluded Repurchase Obligation. 
 (d) The
definition of “Consolidated Total Debt” is amended in its entirety as follows: 
 “Consolidated Total
Debt” shall mean, as of any date, all Indebtedness of the Borrower and its Restricted Subsidiaries measured on a consolidated basis as of such date, but excluding the Indebtedness of the type described in subsection (xi) of the
definition thereof and excluding Permitted Intercompany Subordinated Debt. 
 (e) The definition of Consolidated Senior Leverage Ratio is
deleted in its entirety. 
 (f) The following definitions are added to Section 1.1 of the Credit Agreement in the proper alphabetical
order: 
 “BIN/ISO Agreements” means (a) any sponsorship, depository, processing or similar agreement
with a bank or financial institution providing for the use of such bank or financial institution’s BIN or ICA (or similar mechanism) to clear credit card transactions through one or more card associations, or (b) any agreement with any
independent sales organization or similar entity related to, or providing for, payments processing to merchant customers. 

“Permitted Intercompany Subordinated Debt” shall mean any Indebtedness of the Borrower or any Restricted
Subsidiary (i) that is extended by an Unrestricted Subsidiary to the Borrower or a Restricted Subsidiary, (ii) that is unsecured and expressly subordinated to the Obligations on terms satisfactory to the Administrative Agent and the
Required Lenders in their sole discretion and (iii) that matures by its terms no earlier than twelve months after the later of the Revolving Commitment Termination Date or the Maturity Date then in effect, with no payments of interest,
principal or otherwise permitted prior to such maturity. 
 “Settlement” means the transfer of cash or other
property with respect to any credit or debit card charge, check or other instrument, electronic funds transfer, or other type of paper-based or electronic payment, transfer, or charge transaction for which a Person acts as a processor, remitter,
funds recipient or funds transmitter in the ordinary course of its business. 
 “Settlement Asset” means any
cash, receivable or other property, including a Settlement Receivable, due or conveyed to a Person in consideration for a Settlement made or arranged, or to be made or arranged, by such Person or an Affiliate of such Person. 

 “Settlement Lien” means a Lien securing obligations arising
under or related to any Settlement or Settlement Obligation that attaches to (i) Settlement Assets (including any assignment of Settlement Assets in consideration of Settlement Payments), (ii) any intraday or overnight overdraft or automated
clearing house exposure or asset specifically related to Settlement Assets, (iii) loss reserve accounts specifically related to Settlement Assets, (iv) merchant suspense funds specifically related to Settlement Assets or (v) rights
under any BIN/ISO Agreement or fees paid or payable under any BIN/ISO Agreement. 
 “Settlement Obligations”
means any payment or reimbursement obligation in respect of a Settlement Payment. 
 “Settlement Payment”
means the transfer, or contractual undertaking (including by automated clearing house transaction) to effect a transfer, of cash or other property to effect a Settlement. 

“Settlement Receivable” means (a) receivables from card associations for transactions processed on behalf
of merchants and (b) receivables from merchants for the portion of the discount fee related to reimbursement of the interchange expense and other fees payable to card associations. 

(g) Section 6.2 of the Credit Agreement is deleted and replaced with “[Reserved]”. 

(h) Section 6.5 of the Credit Agreement is amended by deleting “or the Consolidated Senior Leverage Ratio”. 

(i) Section 7.1 of the Credit Agreement is amended by inserting a new subsection (q) at the end of such section as follows: 

“(q) Permitted Intercompany Subordinated Debt”. 

(j) Section 7.2 of the Credit Agreement is amended by inserting a new subsection (r) at the end of such section as follows: 

“(r) Settlement Liens.” 

(k) The parties hereto acknowledge and agree that the Additional Commitment Amount referred to in Section 2.23 of the Credit Agreement
shall be reset upon the execution of this Amendment to a basket of $50,000,000 without reduction for any Commitments provided by UBS AG and MUFG Union Bank, N.A. on or before June 6, 2015. 

2. Effectiveness; Conditions Precedent. This Amendment shall be effective when all of the conditions set forth in this Section 2
shall have been satisfied (the “Fourth Amendment Effective Date”): 
 (a) The Administrative Agent shall have received a
counterpart of this Amendment signed by or on behalf of the Borrower, the Guarantors, the Administrative Agent and the Required Lenders. 

 (b) The Administrative Agent shall have received a counterpart of the Fee Letter dated as of the
date hereof signed by or on behalf of the Borrower and the Administrative Agent. 
 3. Expenses. Subject to the limitations set forth
in Section 11.3 of the Credit Agreement, the Loan Parties agree to reimburse the Administrative Agent for all reasonable out-of-pocket costs and expenses of the
Administrative Agent incurred in connection with the preparation, execution and delivery of this Amendment, including without limitation the reasonable fees and expenses of Moore & Van Allen PLLC. 

4. Ratification of Credit Agreement. Each Loan Party acknowledges and consents to the terms set forth herein and agrees that this
Amendment does not impair, reduce or limit any of its obligations under the Loan Documents, as amended hereby. This Amendment is a Loan Document. 

5. Authority/Enforceability. Each Loan Party represents and warrants as follows: 

(a) It has taken all necessary corporate or other organizational action to authorize the execution, delivery and performance of
this Amendment. 
 (b) This Amendment has been duly executed and delivered by such Loan Party and constitutes its legal,
valid and binding obligations, enforceable in accordance with its terms, subject to applicable Debtor Relief Laws and to general principles of equity. 

(c) No approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental
Authority or any other Person is necessary or required in connection with the execution, delivery or performance by such Loan Party of this Amendment. 

(d) The execution and delivery of this Amendment does not (i) contravene the terms of its Organization Documents,
(ii) violate any Law or (iii) contravene any contracts to which such Loan Party is bound. 
 6. Representations and Warranties
of the Loan Parties. Each Loan Party represents and warrants to the Lenders that after giving effect to this Amendment (a) the representations and warranties set forth in Article IV of the Credit Agreement are true and correct in all
material respects (or, if such representation or warranty is qualified by materiality or Material Adverse Effect, it shall be true and correct in all respects as written) as of the date hereof, except to the extent that such representations and
warranties specifically refer to an earlier date, in which case they shall be true and correct in all material respects as of such earlier date and (b) no event has occurred and is continuing which constitutes a Default. 

7. Counterparts/Telecopy. This Amendment may be executed in any number of counterparts, each of which when so executed and delivered
shall be an original, but all of which shall constitute one and the same instrument. Delivery of executed counterparts of this Amendment by telecopy or other secure electronic format (.pdf) shall be effective as an original. 

8. GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE GOVERNED BY AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 
 9. Successors and Assigns. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors and assigns. 

 10. Headings. The headings of the sections hereof are provided for convenience only and
shall not in any way affect the meaning or construction of any provision of this Amendment. 
 11. Severability. If any provision of
this Amendment is held to be illegal, invalid or unenforceable, (a) the legality, validity and enforceability of the remaining provisions of this Amendment shall not be affected or impaired thereby and (b) the parties shall endeavor in
good faith negotiations to replace the illegal, invalid or unenforceable provisions with valid provisions the economic effect of which comes as close as possible to that of the illegal, invalid or unenforceable provisions. The invalidity of a
provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. 

[remainder of page intentionally left blank] 

 Each of the parties hereto has caused a counterpart of this Amendment to be duly executed and
delivered as of the date first above written. 
  

							
	BORROWER:	 		 	 EVO PAYMENTS INTERNATIONAL, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
	GUARANTORS:	 		 	 EVO MERCHANT SERVICES, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 ENCORE PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 VISION PAYMENT SOLUTIONS, LLC,
 a
Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer
			
		 		 	 NATIONWIDE PAYMENT SOLUTIONS, LLC,

a Delaware limited liability company

				
		 		 	By:	 	 /s/ Ray Sidhom

		 		 	Name:	 	Ray Sidhom
		 		 	Title:	 	Authorized Officer

 [Signature Pages Continue] 

 
			
	 COMMERCE PAYMENT GROUP, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 EVO DIRECT, LLC,
 a Delaware limited
liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 PRODIGY PAYMENT SYSTEMS, LLC,

Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 MOMENTUM PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 MOCA PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer

 [Signature Pages Continue] 

 
			
	 POWERPAY, LLC,
 a Maine limited
liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 POWERPAY CAPITAL, LLC,
 a Delaware
limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 EVO PAYMENT SYSTEMS, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 EVO POWERPAY HOLDINGS, LLC,
 a
Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 CVE EVO, LLC,
 a Delaware limited
liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	 E-ONLINEDATA, LLC,

a Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer

 [Signature Pages Continue] 

 
			
	 E-ONLINEDATA-POWERPAY, LLC,

a Delaware limited liability company

		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer
	
	MEINC, LLC,
	a Delaware limited liability company
		
	By:	 	 /s/ Ray Sidhom

	Name:	 	Ray Sidhom
	Title:	 	Authorized Officer

 [Signature Pages Continue] 

							
	ADMINISTRATIVE AGENT:	 		 	SUNTRUST BANK,
		 		 	as Administrative Agent Issuing Bank and Swingline Lender
				
		 		 	By:	 	 /s/ David Bennett

		 		 	Name: David Bennett
		 		 	Title:   Director
			
	LENDERS:	 		 	SUNTRUST BANK,
		 		 	as a Lender
				
		 		 	By:	 	 /s/ David Bennett

		 		 	Name: David Bennett
		 		 	Title:   Director
			
		 		 	FIFTH THIRD BANK,
		 		 	as a Lender
				
		 		 	By:	 	 /s/ Carrie Weisman

		 		 	Name:	 	Carrie Weisman
		 		 	Title:	 	VP
			
		 		 	JPMORGAN CHASE BANK, N.A.,
		 		 	as a Lender
				
		 		 	By:	 	 /s/ Bruce Borden

		 		 	Name:	 	Bruce Borden
		 		 	Title:	 	 Executive Director

			
		 		 	 PEOPLE’S UNITED BANK, N.A.,
 as
a Lender

				
		 		 	By:	 	 /s/ Antonia Badolato

		 		 	Name: Antonia Badolato
		 		 	Title:   Senior Vice President, Region Manager
			
		 		 	SANTANDER BANK, N.A. (f/k/a SOVEREIGN BANK),
		 		 	as a Lender
				
		 		 	By:	 	 /s/ Douglas J. Meyer

		 		 	Name: Douglas J. Meyer
		 		 	Title:   Vice President
			
		 		 	SYNOVUS BANK,
		 		 	as a Lender
				
		 		 	By:	 	 /s/ Matthew Mckee

		 		 	Name: Matthew Mckee
		 		 	Title: Corporate Banker

 [Signature Pages Continue] 

 
			
	 COMERICA BANK,
 as a
Lender

		
	By:	 	 /s/ Timothy O’Rourke

	Name:	 	Timothy O’Rourke
	Title:	 	Vice President
	
	 COMMUNITY & SOUTHERN BANK,

as a Lender

		
	By:	 	 /s/ Brian R. McLean

	Name:	 	Brian R. McLean
	Title:	 	SVP, Director Corporate Banking
	
	 BANK OF AMERICA, N.A.,
 as a
Lender

		
	By:	 	 /s/ Jonathan Jacob

	Name:	 	Jonathan Jacob
	Title:	 	Vice President
	
	 PNC BANK, NATIONAL ASSOCIATION,
 as
a Lender

		
	By:	 	 /s/ Scott E. Yost

	Name:	 	Scott E. Yost
	Title:	 	Senior Vice President
	
	 REGIONS BANK,
 as a
Lender

		
	By:	 	 /s/ Knight D. Kieffer

	Name:	 	Knight D. Kieffer
	Title:	 	Vice President
	
	 WELLS FARGO BANK, NATIONAL ASSOCIATION,

as a Lender

		
	By:	 	 /s/ G. Mandellay, Jr.

	Name:	 	G. Mandellay, Jr.
	Title:	 	SVP

 [Signature Pages Continue] 

 
			
	SUMITOMO MITSUI BANKING CORPORATION, as a Lender
		
	By:	 	 /s/ Chris Droussiotis

	Name:	 	Chris Droussiotis
	Title:	 	Managing Director

  

			
	 AIB DEBT MANAGEMENT LTD,
 as a
Lender

		
	By:	 	 /s/ Roisin O’Connell

	Name:	 	Roisin O’Connell
	 Title:
	 	 Senior Vice President
 Investment Advisor to

AIB Debt Management, Limited

		
	By:	 	 /s/ Fern Lindsay

	Name:	 	Fern Lindsay
	Title:	 	 Vice President
 Investment Advisor to

AIB Debt Management, Limited

  

			
	 ALLIED IRISH BANKS PLC,
 as a
Lender

		
	By:	 	 /s/ Roisin O’Connell

	Name:	 	Roisin O’Connell
	Title:	 	Senior Vice President
		
	By:	 	 /s/ Fern Lindsay

	Name:	 	Fern Lindsay
	Title:	 	Vice President

  

			
	
	 BMO HARRIS BANK, N.A.,
 as a
Lender

		
	By:	 	 /s/ Christina Boyle 

	Name: Christina Boyle 
	Title:   Director

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