Flat-rate readers quietly overcharge on every rewards card. Apex Pay applies interchange-optimized routing at the counter so premium cards stop eating your margin.

• Level-2 data captured on qualifying business cards
• Compliant cash-discount and surcharge options
• Same-day batch, next-day funding

Tips inflate the settled amount that fees are charged on. Apex Pay handles tip-adjust timing and low-ticket rules so a $6 coffee doesn't cost you a premium.

• Tip-adjust windows that protect your effective rate
• Small-ticket pricing for grab-and-go volume
• POS-agnostic — keep the system you have

Card-not-present traffic carries the highest base rates. Apex Pay pairs smart retries with network tokens to recover would-be declines and qualify more transactions.

• Network tokenization for higher auth rates
• Account-updater keeps saved cards alive
• Drop-in checkout, no re-platform required

Big invoices mean big percentage fees. Apex Pay adds compliant service fees and ACH options so a $4,000 job doesn't hand a chunk to the card networks.

• ACH & bank-pay routing on large invoices
• Compliant service-fee program for B2B
• Pay-by-link and scheduled billing

Patient balances arrive as copays, card-on-file plans and large one-time bills. Apex Pay secures card-on-file with vaulting and routes each type for its lowest cost.

• PCI-scope-reducing tokenized card vault
• Payment plans with automatic retries
• HSA/FSA card acceptance built in

Repair tickets swing from a $40 oil change to a $3,000 transmission. Apex Pay tiers pricing by ticket size and adds surcharge options so the big jobs stay profitable.

• Ticket-size-aware pricing tiers
• Compliant surcharging where permitted
• Text-to-pay for customer pickups