Loading Apex Merchant Solutions
Accepting payments
Mail order and telephone order acceptance for businesses that still sell over the phone.
Overview
Mail order and telephone order acceptance for businesses that still sell over the phone.
How it works
What you sell, how you sell it, and what your current payment arrangement looks like.
Your industry, ticket size, refund and dispute history and processing volume.
The payment paths that fit your profile, with the trade-offs of each set out plainly.
Account setup, gateway configuration and hardware, done alongside you.
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.
Questions
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.
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.
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.
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.
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.
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
The parts of an application that decide the outcome, and the ones merchants spend time on that make no difference at all.
Interchange, assessments and markup, separated - so you can see which part of your rate is negotiable and which part never was.
Descriptors, refund policy, delivery evidence and alert handling: the four things that move the ratio, in the order they are worth fixing.
Get started
Tell us how your business takes payment and we will review whether this is the right arrangement for it.
No obligation, and no application submitted without your agreement.
Questions about payments, an existing account, or anything else.
