Accept every way your customers pay — in person, online, and by bank — on a PCI-compliant, tokenized platform. Then let Apex AI audit every statement so inflated rates and junk fees never slip through.
Statement audit: 3 rate overcharges caught this month — $312 flagged for refund.
Accept every way your customers pay
The platform
In-person, online, and bank rails on a single processor — with the gateway, tools, and reporting to run it all from one dashboard.
Accept every major card at the counter, curbside, or on the go — chip, tap, and swipe on modern terminals and mobile readers.
POS & terminalsA secure, cloud-based gateway and hosted checkout that drop into your store and site.
Lower-cost bank rails for recurring bills, invoices, and payouts.
One integration for tokenized card, ACH, and recurring billing across every channel.
Developer-readyReal-time fraud monitoring plus dispute alerts and evidence to win chargebacks.
Deposits, fees, and trends across every channel in one real-time view.
Compliant surcharge and cash-discount programs to offset processing costs.
Cannabis, CBD, nutraceutical, and other hard-to-place markets — approved and processing when the big platforms decline you.
Hard-to-place, handledThe Apex difference
Every processor sends a statement. Apex Pay is the one that actually reads it — AI checks every line for inflated rates, silent downgrades, and junk fees, then tells you exactly what to claw back.
Illustrative statement — sample line items for demonstration only.
Security & compliance
Card data is tokenized and encrypted end to end, on a PCI-compliant processing platform trusted by banks, ISOs, and software companies.
PCI DSS compliant
Processing on a platform built and audited to the PCI Data Security Standard.
Tokenization
Real card numbers are replaced with tokens — nothing sensitive sits in your systems.
P2PE encryption
Point-to-point encryption from the moment a card is dipped, tapped, or keyed.
Continuous fraud monitoring
Real-time screening and dispute alerts across every transaction.
Who we serve
From the counter to the cart to the hard-to-place — Apex Pay gets you accepting and keeps you accepting.
For agents & software
Embed Apex Pay under your own brand, onboard merchants digitally, and share in the revenue — with the same tokenized gateway and AI audits behind it.
White-label the gateway, dashboard, and merchant experience.
Application-to-approval in a single, fast flow.
Residuals, volume, and merchant health in real time.
Tokenized card, ACH, and recurring across every client.
Questions
Cards in person and online, contactless and mobile wallets, e-commerce checkout, and ACH bank transfers — all on one platform and one dashboard.
It reads every processing statement line by line and flags inflated rates, non-qualified downgrades, and junk fees — then tells you exactly what to claw back. Your rate review, on autopilot.
Yes. Cannabis, CBD, nutraceutical, and other hard-to-place markets are a specialty — we get you approved and processing when the big platforms decline you.
Card data is tokenized and encrypted end to end on a PCI DSS–compliant processing platform, with continuous fraud monitoring and chargeback protection built in.
Low, transparent pricing with no long-term lock-in — plus surcharge and dual-pricing programs to offset processing costs. Ask for a free rate review and we'll show you the numbers.
Yes — ISOs, agents, and software companies can white-label the gateway and dashboard, onboard merchants digitally, and share in the revenue.
Get started
Send us a recent statement and we'll show you what Apex Pay can save — and approve. No obligation.