APCXWAppTech Payments Corp.

About AppTech Payments Corp. (APCXW)

AppTech Payments Corp. (APCXW) is a Software - Infrastructure company headquartered in Carlsbad, CA, United States whose shares trade over-the-counter on the OTCQB tier.

AppTech Payments Corp. is a fintech company leveraging advanced payment processing and CoreBanking technologies to enhance its merchant services. Its all-in-one platform, FinZeo™, delivers modular, cloud/edge-based financial solutions customizable via modern APIs. FinZeo includes Payments-as-a-Service (PaaS), Instant Bank Analysis, Automated Underwriting, CoreBanking, and Banking-as-a-Service (BaaS). PaaS enables frictionless digital and mobile payments through ACH, card processing, eCheck, mobile, text-to-pay, and more, supporting multi-channel, API-driven transactions. BaaS offers scalable, digital financial management tools empowering institutions to serve businesses and individuals efficiently and cost-effectively. The platform’s Automated Underwriting portal streamlines onboarding with customizable pricing and risk models. CoreBanking supports digital onboarding, compliance, FedWire/FedACH, FedNow, virtual accounts, and more, helping banks modernize operations. FinZeo’s white-labeled portal empowers ISOs and ISVs to integrate payment and banking services seamlessly, driving adoption and client growth. With a flexible architecture, FinZeo unites AppTech’s IP, PaaS, BaaS, and user-specific portals to deliver a tailored, one-hub fintech experience.

Products and services

FinZeo is your all-in-one financial platform, purpose-built to transform how ISO/ISVs and businesses manage payments and banking. Designed for scalability and flexibility, FinZeo delivers a seamless digital experience with tools like eSignature and paperless document handling. Rapid onboarding is powered by PayFac status for instant underwriting and activation, while multitenant, white-labeled portals allow for tailored user experiences under your brand. FinZeo's proprietary gateway supports ACH, eCheck, credit cards, and more through features like virtual terminals and invoicing. The platform also offers instant bank analysis and validation, verifying account ownership, balances, income, payroll, and transaction history. With robust developer APIs, advanced reporting, and scalable portfolio management, you can grow your business with ease. FinZeo includes Banking-as-a-Service capabilities such as account issuance, lending solutions, and CoreBanking functionalities—offering FedACH, FedWire, FedNow, virtual accounts, compliance tools, risk management, and both physical and virtual cards. Security is paramount, with top-tier encryption and compliance (PCI, SOC, HIPAA). Backed by AppTech’s patented technologies, including text-based payments and geolocation ecommerce, FinZeo delivers a frictionless, secure, and future-ready financial experience that empowers businesses to thrive.

APCXW key facts

Ticker symbol

APCXW

Market tier

OTCQB

Sector

Technology

Industry

Software - Infrastructure

Headquarters

Carlsbad, CA, United States

Country of incorporation

US

Year of incorporation

2021

Employees

9

Estimated market cap

$623.5K (as of Aug 1, 2025)

Shares outstanding

4,156,626

Reporting standard

U.S. Reporting: SEC Reporting

Audit status

Audited

Fiscal year end

12/31

AppTech Payments Corp. leadership

• Thomas DeRosa — Interim CEO, President
• Felipe Corrado — CFO, Treasurer
• Anthony Shall — Vice President

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