Retail
Counter, kiosk and multi-site retail, with terminals and reporting that match how the shop actually runs.
Industries
Traditional businesses and specialised ones, on the same platform
A restaurant and a research-product supplier are both ordinary customers here. They simply need different underwriting.
Every vertical
Where Apex works
Flagship vertical
Peptides & research products
Payment infrastructure for peptide and research-product businesses, built around underwriting rather than around a single processor.
Restaurants & hospitality venues
Table, counter and delivery service, with tipping, split payments and end-of-day reconciliation handled properly.
E-commerce
Online retail on an established platform or a custom build, with checkout tuned for conversion and disputes kept in check.
Specialised vertical
CBD & hemp
Card and bank-based acceptance for CBD and hemp merchants, with the compliance documentation prepared before submission.
Professional services
Invoiced and retainer billing for firms and consultancies, where ACH usually beats cards on the larger tickets.
Specialised vertical
Crypto & Web3
Platforms, marketplaces and Web3 businesses that need both fiat acceptance and digital-asset settlement.
Subscription businesses
Recurring billing where failed payments and involuntary churn matter more than the headline rate.
Automotive
Dealerships, workshops and parts suppliers, where a single ticket can be large enough to change which rail makes sense.
Specialised vertical
Nutraceuticals & supplements
Supplement merchants with recurring orders, where descriptor clarity and dispute handling decide whether an account survives.
Wholesale & distribution
Trade accounts and invoiced orders, where bank-based collection usually costs less than card acceptance.
Cross-border
International e-commerce
Selling across borders, where acceptance rates and settlement currency matter as much as the processing rate.
Healthcare-related services
Practices and clinics taking patient payments, plans and balances after treatment.
Mobile & field services
Trades and mobile businesses taking payment at the job rather than chasing it afterwards.
Nonprofits
One-off and recurring donations, where a failed recurring gift is the number that matters.
Deferred delivery
Travel
Bookings taken well before delivery, which is what makes travel an underwriting conversation rather than a form.
Business services
Agencies and service providers billing other businesses on invoice, retainer or contract.
Specialised vertical
Adult businesses
Adult merchants needing stable acceptance, clear descriptors and dispute handling that keeps ratios down.
Specialised vertical
Gaming & casino-related
Gaming operators and suppliers, where licensing and jurisdiction drive what is available.
Specialised vertical
Crypto exchanges
Exchanges needing fiat on-ramps alongside their own settlement infrastructure.
Specialised vertical
Forex & trading
Trading platforms and brokerages, where deposit flow and dispute exposure are the underwriting question.
Specialised vertical
Dropshipping
Long fulfilment windows and third-party shipping, which together drive the dispute profile.
Specialised vertical
Tech support services
Remote support and software services, a category card networks watch closely.
Where a label appears on a card it describes the shape of the payment arrangement, not the business behind it.
Get started
Tell us about your business
Every industry underwrites differently. A short conversation is usually enough to tell you where you stand.
- 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.