Loading Apex Merchant Solutions

Skip to main content
Reviewing your current payment setup? Apex will look over your existing arrangement and tell you what we would change. Request a review
Apex Merchant Solutions

Support

Merchant support

For merchants with an existing Apex account. If you are not yet a merchant, the contact page is the faster route.

Before you submit

Things worth checking first

  • Connectivity

    If a terminal has stopped responding, confirm the network at the site is up.

  • One card or all cards

    Whether a single card is failing or every transaction is, which points at very different causes.

  • The exact message

    The decline code or error text, word for word, saves a great deal of time.

Never send a full card number, bank account number or password to Apex - by this form, by email, or over the phone. Nobody at Apex will ask for one.

Support request

What is happening?

Requests are triaged by urgency. If you cannot take payments at all, say so.

Merchant support

For merchants with an existing Apex account.

US or international. Include the country code if you are outside the US.

Please do not include full card numbers, bank details or passwords.

By checking this box you consent to receive SMS communications from Apex Merchant Solutions at the number provided, including messages sent by an automated system. Consent is not a condition of any purchase or application. Message frequency may vary. Message and data rates may apply. Reply STOP to unsubscribe or HELP for assistance.

Never include a full card number, bank account number or password in this form.

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.

How long does onboarding take?

It depends on the industry and how complete the documentation is when it is submitted. A conventional business with its paperwork in order moves quickly; a specialised vertical takes longer because the file has to be prepared properly. Apex gives a realistic expectation up front rather than a headline number.

What does Apex do about chargebacks?

Alerting where the card network and issuer support it, structured evidence submission for disputes, and monitoring of the ratio across the account so a problem is visible before it threatens the merchant account. No provider can prevent chargebacks, and Apex does not claim to.