Starter
New & low-volume merchants finding their feet.
2.6% + 10¢ / transaction
- Next-day deposits
- Flat, published pricing
- Tap, chip & online checkout
- Email & chat support
Rates as low as 1.5% / mo *eligibility — and nothing hidden underneath.
No lock-in contracts. No surprise line items. Just a clear rate, a free analysis of what you pay today, and a team that treats small margins like they matter — because for the businesses the giants overlook, they do.
- Rates from 1.5% / mo*eligibility
- Zero long-term contracts
- Free rate analysis in 48h
Pick the footing that fits
Growth
Scaling shops that live and die by their margin.
1.9% + 8¢ / transaction
- Everything in Starter
- Same-day funding option
- Interchange-optimized routing
- Dedicated onboarding specialist
- Chargeback protection tools
Scale
High-volume operators who negotiate everything.
1.5%* custom interchange-plus
- Everything in Growth
- Volume-tiered rate reviews
- Priority disputes & settlement
- API & multi-location controls
- Named account manager
Published rates shown are illustrative starting points; your final rate depends on card mix, volume, and industry, and is confirmed in your free analysis. *1.5% is our lowest tier and subject to eligibility.
See the gap at your volume
Illustrative sampleChoose a monthly card volume to model the difference between a typical blended processor and Apex Pay’s Growth rate. Numbers are a simple illustration, not a quote or a promise.
Model assumes a 3.2% typical blended cost vs. a 1.9% Apex Pay Growth cost for comparison only. Actual costs vary by card mix and industry and are not guaranteed.
Line by line, nothing buried
| What you actually pay for | Apex Pay | Typical processor |
|---|---|---|
| Long-term contract | None | 1–3 years common |
| Early-termination fee | $0 | Often $300+ |
| Monthly statement fee | Waived | $5–$15 |
| PCI compliance fee | Included | Billed separately |
| Rate reviews as you grow | Proactive | On request only |
| Free analysis of your current bill | Yes, in 48h | Rare |
“Typical processor” reflects common industry practices for illustration and does not describe any specific competitor.
“We’d signed a three-year deal we didn’t understand and were bleeding on fees we couldn’t explain. Apex read our statement, showed us the math, and moved us over without a contract. The rate stopped being a mystery.”
Illustrative story built from common onboarding conversations; not a testimonial from a specific named client.
Questions we get asked first
What does “as low as 1.5% / mo” really mean?
1.5% is our lowest available tier, offered on our Scale plan and subject to eligibility — typically higher volume and a favorable card mix. Most merchants land on a published Starter or Growth rate. Your free analysis shows exactly which tier you qualify for before you commit to anything.
Are there really no long-term contracts?
Correct. Apex Pay is month-to-month with no early-termination fee. If we ever stop earning your business, you can leave. We’d rather keep you with the rate than with the paperwork.
What’s included in the free rate analysis?
Send us a recent processing statement and, within 48 hours, we return a line-by-line breakdown of what you pay today, where the hidden fees live, and a plain-English estimate of what Apex Pay would cost instead. No obligation, no pressure, no card required.
Are the savings figures on this page guaranteed?
No. Every dollar figure in the comparison tool is an illustrative model using assumed rates, and the success story is a representative composite. Your actual savings depend on your volume, industry, and card mix — which is exactly what the free analysis pins down.
How fast can I start taking payments?
Most straightforward accounts are approved and ready within a few business days. Your onboarding specialist handles the setup, hardware, and checkout integration so you’re running with minimal downtime.
Find out what you’re overpaying — free.
Send one statement. Get a transparent breakdown in 48 hours. Decide with the numbers in front of you.
*Rates as low as 1.5% per month reflect our lowest Scale-tier pricing and are subject to eligibility, underwriting, volume, and card-mix requirements; most merchants receive a published Starter or Growth rate. All rates, fees, and figures shown are illustrative examples for comparison only, are not offers or guarantees, and do not describe any specific competitor. Success stories are representative composites and do not depict a specific real client. Apex Pay · Apex Intelligence, est. 2026.