Not a processor. A referee.
Processors profit when your statement is confusing. Apex Pay sits on your side of the table — reading the schedule, not selling it.
Apex Pay · Payments Intelligence
Est. 2026
The fees you can't see are the ones eating your margin.
Apex Pay is payments intelligence — not another processor. We tear your merchant statements apart line by line, expose the interchange padding and junk fees baked into your rate, and get eligible businesses down to as low as 1.5% a month.* You keep selling. We keep auditing.
Rate teardown — live estimate
Modeling
$45,000
$5K$500K
Business type
Assumed effective rate now
2.6%
Typical blended, before audit
Apex Pay target
1.5%
As low as, eligible accounts*
Est. monthly fees now
$1,170
At assumed rate above
Est. kept per year
$5,940
≈ $495 / month back in your pocket
Illustrative sample scenario — not a guarantee or verified client result.
Assumes typical blended rates; your actual rate depends on eligibility and underwriting.
Why it moves the needle
Every statement, every month.
Rates drift and junk fees creep back. We re-audit each cycle and flag the moment your effective rate ticks up — before it costs you a quarter.
Switch only if it's worth it.
Sometimes the win is a renegotiation, not a migration. We recommend the move that keeps the most money — even when that means staying put.
Interchange padding
Processors inflate pass-through interchange and pocket the spread. We benchmark every category against the published schedule and flag the markup.
The silent markupJunk & phantom fees
PCI non-compliance, batch, statement, "network access," regulatory recovery — the line items built to be ignored. We itemize and challenge each one.
Line-item forensicsTiered-pricing traps
Qualified, mid-qualified, non-qualified — a shell game that reclassifies your best sales into your priciest bucket. We move you to transparent interchange-plus.
The bucket shuffleEffective-rate truth
A "low rate" means nothing next to your effective rate. We calculate what you actually pay per dollar and track it, statement over statement.
The only number that mattersSee your real rate before you sign anything.
Send one recent statement. We'll return a plain-English teardown of what you're paying, what's padding, and how close eligible accounts can get to 1.5% a month.* No switch required to find out.
Start my rate analysis
Free & no-obligation · *subject to eligibility / underwriting
Illustrative sample scenario — not a guarantee or verified client result. Figures shown in the rate teardown are modeled from typical blended processing rates for illustration only. The 1.5% per-month rate is a best-case target, *subject to eligibility and underwriting; actual rates vary by business type, volume, ticket size, and risk profile. Apex Pay is a payments-intelligence service, is not a bank, and does not provide financial, legal, or tax advice.