For merchants
From signed to settling without the paper chase.
Between a signed provider agreement and money landing in your account sits paperwork, underwriting, configuration, and testing. We run that distance for you — and build the flows your customers actually pay through.
Card data lives with certified payment providers, never on Apex servers. Your banking details go through the provider's secure intake — not email.
Who this fits
If money arrives after the work, this fits.
Three shapes of business we build for. No gateways to run, no card data to guard.
01
Service businesses that invoice
Deposits, progress billing, final payment — each one chased by email. A hosted invoice gets paid from the email it arrived in, and it shows up matched in the next morning's reconciliation.
02
SaaS billing subscriptions
Plans, upgrades, and failed-payment retries on provider rails. Expired cards and recovered charges appear in the same daily view as everything else — not in a spreadsheet someone forgot to open.
03
Operators in the field
Your crew closes work at the customer's site. A payment link sent by text takes the deposit before the truck leaves the driveway — no card number read out over the phone, ever.
Onboarding
As fast as underwriting allows.
No promised dates. Underwriting is the provider's decision, and a complex business takes longer than a simple one. What we control is the part that usually wastes the time: incomplete paperwork and slow answers.
You answer each question once; whatever can be answered from the file after that, is.
Phase 1 · Paperwork, once
Application package, prepared once
Business documentation, banking details, and a processing profile — what you sell, average ticket, expected monthly volume — assembled into one complete package.
Underwriting handoff
The package goes to the payment provider's underwriting team. When they come back with questions, we answer from the file — usually without coming back to you at all.
Phase 2 · Build
Account configuration
Once approved: payout routing, statement descriptors, receipt settings, and user access — configured and written down, so nobody reverse-engineers it later.
Flow build
Checkout, invoicing, or payment links — branded to your business, running on the provider's hosted, certified surfaces. Your customer sees your name; the processor holds the card data.
Phase 3 · Prove it, then open it
Test transactions, verified
Live-mode charges, a refund, and a payout cycle — each one confirmed to land where it should before a single real customer pays.
Go-live, reconciled from day one
Real volume starts with reconciliation already running. The first day's captures, fees, and payouts are matched that same day — not reconstructed at month end.
What you get
Four things, working on day one.
What we need from you
Three things. That's the list.
Boundaries
What we control, and what we don't.
Plain terms up front beat a surprise later. The provider owns the money side; we own the speed and the visibility.
Get started
Bring us the business. We'll bring the process.
Tell us what you sell and how money should arrive. We'll map the flow and scope your onboarding — before anyone signs anything.