Retail
Counter, kiosk and multi-site retail, with terminals and reporting that match how the shop actually runs.
Hardware and integrations
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.
Overview
What this is, in plain terms
Countertop, portable and Android terminals, plus point-of-sale systems for shops, restaurants and service counters.
What you get
What this covers
-
Countertop, portable and handheld hardware
-
Contactless, chip and magnetic stripe
-
Hardware confirmed against the processing arrangement
How it works
What happens after you get in touch
-
Tell us about your business
What you sell, how you sell it, and what your current payment arrangement looks like.
-
We review your requirements
Your industry, ticket size, refund and dispute history and processing volume.
-
Suitable options are evaluated
The payment paths that fit your profile, with the trade-offs of each set out plainly.
-
Integration and onboarding
Account setup, gateway configuration and hardware, done alongside you.
-
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.
Restaurants & hospitality venues
Table, counter and delivery service, with tipping, split payments and end-of-day reconciliation handled properly.
Automotive
Dealerships, workshops and parts suppliers, where a single ticket can be large enough to change which rail makes sense.
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 hardware
Hardware that goes with this
Illustrative example
Countertop terminals
Countertop
Clover Station Duo
Dual-screen POS for busy checkout lanes
Quote on request
Available on request
Illustrative example
Countertop terminals
Countertop
Countertop terminal
Fixed terminal for a till point, wired to the network and built to be left alone.
Quote on request
Available on request
Illustrative example
Mobile terminals
Portable
Portable terminal
Handheld terminal for table service, delivery and anywhere payment happens away from the counter.
Quote on request
Available on request
Illustrative example
Card readers
Mobile
Mobile card reader
Pocket reader paired to a phone or tablet, for field service, markets and pop-ups.
Quote on request
Available on request
Items marked as illustrative examples represent hardware categories Apex can source. Exact models, specifications and compatibility are confirmed during onboarding.
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 smart terminals & POS
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.