Pull one statement
Your most recent month. We need the total fees line and the total volume line — that is it.
Apex Pay · Payments
Every sale pays a tax
nobody renegotiated.
Most merchants have never divided their total monthly fees by their total monthly volume. That one number — your effective rate — is usually well above the rate you were quoted. We find it, then we do something about it.
The number that matters
Your effective rate, in one division.
Total monthly fees ÷ total monthly card volume. It captures every line on the statement, not just the headline rate on the proposal.
We do the division
You get your real effective rate, the annual cost at that pace, and what it costs you on one average sale.
Then a real number
What we can actually do, in writing, from the provider agreement — not a teaser rate that resets in month four.
What you get
Built for the merchant, not the statement.
Rates from 1.5%†
Qualified transactions start at 1.5%. What you actually land on depends on your card mix, average ticket and volume — which is exactly why we look at the statement first.
Your own virtual gateway
A gateway in your name, not a shared one you rent. Hosted payment flows, recurring billing and reconciliation that matches your ledger.
Fast qualification
Guided application with a real person on it. You know quickly whether this is worth your time instead of waiting a week for a maybe.
† 1.5% is a qualifying rate, not a blended or effective rate. Your rate comes from the provider agreement following a statement review. Card-not-present, corporate and international cards price differently.
How the money moves
Card data never touches us.
Acceptance
Runs on certified processing infrastructure. Card details go from the payer straight to
the processor — they are never posted to an Apex server, in production or in the sandbox.
Your gateway
Provisioned in your business's name, so the merchant relationship and the reporting are yours.
Reconciliation
Daily settlement reconciled against what you actually invoiced, so a short deposit is
noticed the same week rather than at month end.
Statement review
Send it over.
Two minutes now, a real number back. No card details, no obligation.
Staff & partners
Payment sandbox
Run a test transaction end to end with test cards before anything goes near a live merchant. Sign-in required.