Flagship vertical
Peptides & research products
Payment infrastructure for peptide and research-product businesses, built around underwriting rather than around a single processor.
Moving money
eCheck processing
Electronic cheque acceptance for merchants whose customers still pay that way.
Overview
What this is, in plain terms
Electronic cheque acceptance for merchants whose customers still pay that way.
What you get
What this covers
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Cheque conversion without a paper deposit
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Suits wholesale, trade and B2B billing
How it works
What happens after you get in touch
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Tell us about your business
What you sell, how you sell it, and what your current payment arrangement looks like.
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We review your requirements
Your industry, ticket size, refund and dispute history and processing volume.
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Suitable options are evaluated
The payment paths that fit your profile, with the trade-offs of each set out plainly.
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Integration and onboarding
Account setup, gateway configuration and hardware, done alongside you.
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Ongoing support
Monitoring, dispute handling and account reviews, with a route to a person.
Apex does not guarantee approval, a rate, a saving or a timeline. Underwriting decisions are made by the acquiring institution, and Apex's work is to put the strongest accurate case in front of it.
Who this helps
The businesses this is usually for
Availability depends on underwriting, and every merchant is reviewed individually.
Wholesale & distribution
Trade accounts and invoiced orders, where bank-based collection usually costs less than card acceptance.
Questions
Frequently asked
Does Apex only work with high-risk businesses?
No. Most Apex merchants are conventional businesses - shops, restaurants, professional firms, e-commerce stores - underwritten and priced as exactly that. Apex also handles specialised and complex verticals, which is where the deeper capability shows, but a traditional business is not placed on specialised terms because of who else we work with.
How is pricing decided?
Pricing follows underwriting. Card mix, average ticket, refund and chargeback history, the industry and how you take payment all feed into it. Apex does not quote a rate before seeing those, and does not guarantee a rate or a saving in advance.
Can Apex guarantee my account will be approved?
No, and no payment provider can. Approval is an underwriting decision. What Apex does is prepare the file properly before it is submitted - the website, the policies, the documentation and the processing history - which is what usually decides the outcome.
What happens if my current processor drops my account?
That is a common reason merchants come to Apex. Where the profile allows it, accounts are set up with more than one processing path from the start, so a single withdrawal does not stop revenue while a replacement is arranged.
Can I take card, bank and crypto payments together?
Yes, where the business qualifies for each. Card, ACH, eCheck and digital-asset settlement can run alongside one another under the same merchant relationship, with the gateway routing between them. What is available depends on the business type and underwriting.
Will Apex work with my existing website and systems?
Usually. Apex integrates with established storefront platforms, billing systems and CRMs, and does direct API work where an off-the-shelf plugin does not fit. Replacing a working system is rarely the right recommendation.
Related reading
Worth reading before you decide
Guide
Merchant accounts
What underwriting actually looks at
The parts of an application that decide the outcome, and the ones merchants spend time on that make no difference at all.
7 min read
Payment education
Payment education
How to read a processing statement
Interchange, assessments and markup, separated - so you can see which part of your rate is negotiable and which part never was.
6 min read
Guide
Risk and disputes
Keeping chargeback ratios down
Descriptors, refund policy, delivery evidence and alert handling: the four things that move the ratio, in the order they are worth fixing.
8 min read
Get started
Talk through eCheck processing
Tell us how your business takes payment and we will review whether this is the right arrangement for it.
- One conversation Underwriting, integration and support are handled by the same team.
- More than one path Where the profile allows it, accounts are set up with a fallback.
- Nothing overstated No promise of approval, a rate or a timeline before underwriting has looked at your business.
No obligation, and no application submitted without your agreement.
Get in touch
Questions about payments, an existing account, or anything else.