Every way Apex can move a payment

Credit & debit card processing

Standard card acceptance for established businesses, in person and online, on terms that reflect an ordinary risk profile.

E-commerce payments

Checkout that fits the platform a business already runs on, rather than one that forces a rebuild.

ACH processing

Bank-to-bank collection for larger tickets, recurring invoices and anywhere card fees stop making sense.

eCheck processing

Electronic cheque acceptance for merchants whose customers still pay that way.

Crypto payment processing

Digital-asset acceptance with settlement handled as part of the same merchant relationship.

Supported assets and settlement arrangements depend on underwriting and jurisdiction.

NFT & Web3 payments

Payment paths for marketplaces, mints and Web3 platforms that conventional providers decline to underwrite.

Availability depends on the platform, the assets involved and underwriting review.

Payment gateways

The routing layer between a checkout and the processors behind it, configured for how a business actually sells.

Smart terminals & POS

Countertop, portable and Android terminals, plus point-of-sale systems for shops, restaurants and service counters.

Exact models and compatibility are confirmed during onboarding.

Chargeback protection

Alerting, evidence handling and dispute support to keep chargeback ratios under control.

No provider can prevent chargebacks. These tools reduce and manage them.

High-risk merchant accounts

Account placement for business models generalist providers decline, with the underwriting handled properly first.

Placement, pricing and reserve terms are set by underwriting. Apex does not guarantee approval.

Virtual terminals

Take a payment from a browser, without hardware, when the customer is not in front of you.

MOTO processing

Mail order and telephone order acceptance for businesses that still sell over the phone.

Recurring billing

Subscription and instalment billing with retry handling and card-updater support.

Available depending on business type and underwriting.

Mobile payments

Take payment on a phone or tablet, for field service, delivery, markets and pop-ups.

International processing

Cross-border acceptance for merchants selling outside their home market.

Coverage varies by country, business type and underwriting.

Multi-currency support

Present prices and settle in more than one currency where the processing arrangement supports it.

Supported currencies depend on the processing arrangement.

Chargeback alerts

Early notice of a dispute, so it can be refunded or answered before it becomes a chargeback.

Alert coverage depends on the card network and the issuing bank.

Fraud prevention

Screening rules, velocity limits and verification checks tuned to how a business actually sells.

No screening removes fraud entirely. Rules are tuned to reduce it without rejecting genuine customers.

Transaction monitoring

Visibility of approval rates, declines and disputes across the account, rather than one statement a month.

Available depending on the gateway and processing arrangement.

Gateway integrations

Connecting a gateway to the storefront, billing system or CRM a business already runs.

Custom payment integrations

Direct API work where an off-the-shelf plugin does not fit the way a business takes payment.

Payment consulting

A review of how a business takes payment now, and what a better arrangement would look like.

Merchant account consulting

Preparing an underwriting file properly: the site, the policies, the documentation and the history.