UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

~~Pursuant~~PURSUANT toTO ~~Section~~SECTION 13 orOR 15(d) of ~~the~~THE ~~Securities~~SECURITIES EXCHANGE ~~Exchange~~ACT ~~Act~~OF of 1934

Date of Report (Date of earliest event reported): November 6 18, 2024

DELUXE CORPORATION

(Exact ~~name~~Name of ~~registrant~~Registrant as ~~specified~~Specified in Its ~~its charter~~Charter)

MN	1-7945	~~1-7945~~	41-0216800	~~41-0216800~~
(State or other jurisdiction		(Commission		(I.R.S. Employer
(State or Other Jurisdiction of Incorporation)	(Commission File Number)		(I.R.S. Employer Identification Number)
of incorporation)		File Number)		Identification No.)

801 S. Marquette Ave., Minneapolis, MN						55402-2807
(Address of principal executive offices)						(Zip Code)

801 S. Marquette Ave.,

Minneapolis, MN 55402

(Address of principal executive offices and zip code)

(651) 483-7111

(Registrant'’s telephone number, including area code)

~~Check~~Former ~~the~~name ~~appropriate~~or ~~box~~former ~~below~~address, if ~~the~~changed ~~Form~~since ~~8-K~~last ~~filing~~report: isNot ~~intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:~~Applicable

~~☐ Written~~Check ~~communication~~the ~~pursuant~~appropriate box below if the Form 8-K filing is intended to ~~Rule~~simultaneously ~~425~~satisfy the filing obligation of the registrant under any of the ~~Securities~~following ~~Act~~provisions (17see ~~CFR~~General ~~230~~Instruction A.~~425~~2. below):

~~☐ Soliciting~~¨ ~~material~~Written communications pursuant to Rule ~~14a-12~~425 under the ~~Exchange~~Securities Act (17 CFR ~~240~~230.~~14a-12~~425)

~~☐ Pre-commencement~~¨ ~~communications~~Soliciting material pursuant to Rule ~~14d~~14a-~~2(b)~~12 under the Exchange Act (17 CFR 240.~~14d~~14a-~~2(b~~12))

☐ ¨ Pre-commencement communications pursuant to Rule ~~13e~~14d-42(cb) under the Exchange Act (17 CFR 240.~~13e~~14d-42(cb))

¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol	~~Trading symbol(s)~~	Name of each exchange on which registered	~~Name of each exchange on which registered~~
Common stock, par value $1.00 per share		DLX		NYSE
Common Stock, par value $1.00 per share	DLX		NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ¨

~~Section~~Item 27.01 -Regulation ~~Financial~~FD ~~Information~~Disclosure.

~~Item~~On November 18, 22024, Deluxe Corporation, a Minnesota corporation (the “Company”), announced that it intends to offer $400 million aggregate principal amount of senior secured notes due 2029 (the “Notes”) to persons reasonably believed to be qualified institutional buyers in reliance on the exemption from registration provided by Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”), and to certain non-U.~~02 Results~~S. persons outside of ~~Operations~~the United States in reliance on the exemption from registration provided by Regulation S under the Securities Act (the “Offering”). The Company intends to use the net proceeds from the Offering, together with borrowings under the Company’s new senior secured credit facilities, to (i) refinance its term A loan facility and ~~Financial~~its ~~Condition~~revolving credit facility and (ii) pay transaction fees and expenses. The Offering is conditioned on the closing of an amendment and restatement of the Company's existing credit agreement governing the existing term A loan facility and the existing revolving credit facility to provide for new senior secured credit facilities consisting of a revolving credit facility in an aggregate committed amount of $400 million and a term A loan facility in an aggregate principal amount of $500 million.

~~Furnished~~A copy of the press release announcing the Offering is furnished as Exhibit 99.1 isto ~~the~~this ~~earnings~~Current ~~release~~Report ofon ~~Deluxe~~Form 8-K and ~~Corporation~~is ~~reporting~~incorporated ~~results~~herein ~~from~~by ~~third quarter 2024~~reference.

~~The~~This Current ~~information~~Report inon ~~this~~Form 8-K ~~Item~~does ~~2.02~~not and ~~Exhibit~~will ~~99.1~~not ~~shall~~constitute ~~not~~an beoffer ~~deemed~~to ~~"filed"~~sell ~~for~~or ~~purposes~~the solicitation of ~~Section~~an 18offer ofto buy the ~~Securities~~Notes ~~Exchange~~or any ~~Act~~other ofsecurity ~~1934~~and shall not constitute an offer, assolicitation ~~amended~~or sale of any security in any jurisdiction in which such offering, solicitation ~~nor~~or ~~shall~~sale itwould be ~~deemed~~unlawful. ~~incorporated~~The byNotes ~~reference~~will ~~into~~not ~~any~~be ~~filings~~registered under the Securities Act, any state securities laws or the securities laws of ~~1933~~any other jurisdiction, asand ~~amended~~may not be offered or sold in the United States absent registration or an applicable exemption from registration.

~~Section~~Cautionary 9Statement -Regarding ~~Financial~~ Forward-Looking Statements ~~and Exhibits~~

Statements made in this Current Report on Form 8-K concerning the Company, the Company’s or management’s intentions, expectations, outlook or predictions about future results or events, are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements reflect management’s current intentions or beliefs and are subject to risks and uncertainties that could cause actual results or events to vary from stated expectations, which variations could be material and adverse. Factors that could produce such a variation include, but are not limited to, the following: changes in local, regional, national and international economic or political conditions, including those resulting from heightened inflation, rising interest rates, a recession, or intensified international hostilities, and the impact they may have on the Company, its data, customers, or demand for the Company’s products and services; the effect of proposed and enacted legislative and regulatory actions affecting the Company or the financial services industry as a whole; continuing cost increases and/or declines in the availability of data, materials and other services; the Company’s ability to execute its transformational strategy and to realize the intended benefits; the inherent unreliability of earnings, revenue and cash flow predictions due to numerous factors, many of which are beyond the Company’s control; declining demand for the Company’s checks, check-related products and services and business forms; risks that the Company’s strategies intended to drive sustained revenue and earnings growth, despite the continuing decline in checks and forms, are delayed or unsuccessful; intense competition; continued consolidation of financial institutions and/or bank failures, thereby reducing the number of potential customers and referral sources and increasing downward pressure on the Company’s revenue and gross profit; risks related to acquisitions, including integration-related risks and risks that future acquisitions will not be consummated; risks that any such acquisitions do not produce the anticipated results or synergies; risks that the Company’s cost reduction initiatives will be delayed or unsuccessful; risks related to any divestitures contemplated or undertaken by the Company; performance shortfalls by one or more of the Company’s major suppliers, licensors, data or service providers; continuing supply chain and labor supply issues; unanticipated delays, costs and expenses in the development and marketing of products and services, including financial technology and treasury management solutions; the failure of such products and services to deliver the expected revenues and other financial targets; risks related to security breaches, computer malware or other cyber-attacks; risks of interruptions to the Company’s website operations or information technology systems; and risks of unfavorable outcomes and the costs to defend litigation and other disputes. The Company’s forward-looking statements speak only as of the time made, and management assumes no obligation to publicly update any such statements. Additional information concerning these and other factors that could cause actual results and events to differ materially from the Company’s current expectations are contained in the Company’s Form 10-K for the year ended December 31, 2023 and in the Company’s Form 10-Q for the quarters ended March 31, 2024, June 30, 2024 and September 30, 2024. The Company undertakes no obligation to update or revise any forward-looking statements to reflect subsequent events, new information or future circumstances.

Item 9.01

Financial Statements and Exhibits.

(d) Exhibits.

ExhibitNumber		Description
Exhibit Number	Description of Exhibit
99.1	Press release, dated November 18, 2024, Deluxe Announces Senior Secured Notes Offering	~~Earnings Release, dated November 6, 2024, of Deluxe Corporation reporting results from third quarter 2024 (furnished)~~
101.INS		XBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document
104	Cover page interactive data file (embedded within the Inline XBRL document)
101.SCH		XBRL Taxonomy Extension Schema Document
101.LAB		XBRL Taxonomy Extension Label Linkbase Document
101.PRE		XBRL Taxonomy Extension Presentation Linkbase Document
104		Cover page interactive data file (formatted as Inline XBRL and contained in Exhibit 101)

2SIGNATURE

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: November 6, 2024

Date: November 18, 2024	DELUXE CORPORATION

	By:	/s/ Jeffrey L. Cotter
	Name:	Jeffrey L. Cotter
	Title:	Chief Administrative Officer, Senior Vice President and General Counsel

DELUXE CORPORATION /s/ Jeffrey L. Cotter Jeffrey L. Cotter Senior Vice President, Chief Administrative Officer and General Counsel

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