AppTech Payments Corp (OTC Venture Market: APCX) is a financial technology company that operates a digital banking infrastructure platform and a Payments-as-a-Service business targeting financial institutions, merchants, and small and medium enterprises. Revenue comes from two segments: the AppTech Banking Platform, which provides multi-tenant digital banking infrastructure to financial institutions, and the FinZeo Payments-as-a-Service business, which serves merchants, ISOs, and technology partners. FinZeo contributed approximately 10 to 15% of total revenue in FY2025, with the banking platform representing the majority. In late 2025, AppTech acquired an IP platform that adds cross-border payments, international payouts, and a global payment acceptance and onboarding platform that integrates into the AppTech Banking Platform. The company trades on the OTC Venture Market and is incorporated in Delaware. As of the 10-K filed March 31, 2026, the company is classified as a non-accelerated filer and smaller reporting company.

Revenue model

Transactional and platform-based revenue from the FinZeo PaaS business serving merchants and ISOs, combined with infrastructure licensing or service fees from the AppTech Banking Platform supporting financial institutions. FinZeo accounted for approximately 10 to 15% of total revenue in FY2025 per the 10-K filed March 31, 2026.

Products and services

AppTech Banking Platform (multi-tenant digital banking infrastructure for financial institutions), FinZeo Payments-as-a-Service (PaaS for merchants, ISOs, and technology partners), and an acquired IP cross-border payments and onboarding platform supporting global payment acceptance and international payouts (acquired late 2025).

Customers and end markets

Financial institutions including banks and credit unions, merchants, independent sales organizations (ISOs), technology partners, and small and medium enterprises. End markets include digital banking, embedded financial services, and cross-border payments.

Value-chain role

Technology platform provider and payments infrastructure intermediary sitting between financial institutions and their end customers, and between merchants and payment networks.

Geographic exposure

United States primary jurisdiction, with cross-border payments capabilities added through the late 2025 IP acquisition. No specific international revenue breakdown disclosed in the excerpts.

Source: SEC 10-K, filed 2026-03-31

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