Company: APCXW
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001683168-25-002130
Chunk: 7

Company: AppTech Payments Corp.
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 7
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 products may prove invaluable. Further, through our channel partnerships, we have
an expansive network of potential clients that continue to show interest in our strategy and opportunity to embed our financial technologies
into their solutions.

Management believes there are substantial opportunities
in emerging and developing markets for our anticipated products. Our payment systems and digital banking solutions offer innovative avenues
to unbanked and under banked communities to transact and provide remittances. Further, since internet connectivity is not required for
our text payment solution, individuals with limited internet access will still be able to transact. These two factors could open our products
to markets with immense growth potential. 

Our Products and Services

We offer Fintech solutions that empowers financial
institutions and enterprise brands to deliver “best-of-breed” B2B (Business to Business) and B2C (Business to Consumer) experiences
through our revolutionary all-in-one platform and deployment model. Our modular platform will seamlessly integrate with legacy and cloud
platforms to power a multitude of commerce experiences, including digital payments, financial wellness and more.

Merchant Services

Our core historical business is merchant transaction
services. We create revenue by processing payments for credit and debit cards via point of sale (“POS”) equipment, eCommerce
gateways, periodic ACH payments and gift & loyalty programs. We currently support over 150 merchants representing dozens of market
verticals in managing their financial transactions.

Each merchant has unique needs for payment processing.
As a result, we have a variety of processing partners to meet each merchant’s requirements. In addition to these needs, we take
into consideration certain aspects of each business in choosing the optimal processing partner including risk, volume, customer service,
integration capabilities, product features and profitability.

 6 

Digital Financial Technology Platform consisting
of Omnichannel Payments and Digital Banking

To power commerce experiences, our digital financial
technology platform incorporates two distinct product pillars: (1) omnichannel digital payments featuring patented payment technology
and (2) digital banking capabilities. The omnichannel payments pillar will consist of several stand-alone solutions, including hosted
ecommerce checkout, a flexible payment gateway, patented payment technology, alternative payment methods (“APMs”), as well
as mobile and contactless payments. The FinZeo Platform’s digital banking pillar will supply financial institutions with technology
to give their customers – businesses, professionals, and individuals the ability to better manage their finances anywhere, anytime
and at a fraction of the cost of traditional banking and financial services.

Developing