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    Technology

  3. •

    Software - Infrastructure
AppTech Payments Corp.

AppTech Payments Corp.

APCXW
AppTech Payments Corp.US flagNASDAQ Capital Market
0.14
USD
+0.05
- -
5.22MMarket Cap
2007 Y
2012 Y
2013 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
10
- -
1
- -
- -
- -
- -
- -
- -
- -
1
- -
1
3
Operating Margin (%)
-88.2
-458.84
-58.42
-292.09
-424.4
-806.39
-370.28
-1,095.47
-2,362.71
-3,406.67
-2,590.08
-3,459.06
-543.3
-294.91
Depreciation Expense
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
2
Net Income, GAAP
-15
- -
-1
-2
-2
-3
-1
-4
-79
-16
-19
-9
-8
-9
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
-152.41
-461.5
-109.29
-770.39
-607.4
-989.47
-524.41
-1,270.81
-22,385.59
-3,618
-3,673.02
-3,236.59
-567.74
-325.88
Working Capital
3
- -
-1
-6
-6
-7
-7
-8
-7
-1
-3
-1
-6
-6
LT Debt
21
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
2
Total Equity
-17
- -
-2
-6
-4
-7
-7
-8
- -
7
4
5
2
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
1
2
2
LT Borrowings
- -
1
2
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
34
40
41
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
1
1
1
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
- -
1
Inventories
- -
- -
- -
Total Current Liabilities
5
6
7
Payables & Accruals
4
4
4
ST Debt
1
2
2
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1,677.84%
3,318.73%
-65.37%
Free Cash Flow
38.41%
103.13%
-34.44%
Net Income, GAAP
199.15%
332.73%
-11.34%
Sales/Revenue/Turnover
35.88%
81.35%
405.43%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
1
1
2026
1
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Thomas J. DeRosa
Full Time Employees
9
Sector
Technology
Industry
Software - Infrastructure
Address
5876 Owens Avenue Carlsbad CA United States of America 92008
IPO Date
Jan 5, 2022
CIK
0001070050
Website
apptechcorp.com
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Business
AppTech Payments Corp. (OTCQB: APCX), a financial technology company headquartered in Carlsbad, California and incorporated in 1998, provides electronic payment processing technologies and merchant services primarily in the United States. The company offers merchant transaction services including credit and debit card processing through point-of-sale equipment, e-commerce gateways, automatic clearing house payments, and gift and loyalty programs; integrated solutions for frictionless digital and mobile payment acceptance featuring multi-channel API-driven issuer processing for cards, digital tokens, and payment transfers; hosted e-commerce checkout and flexible payment gateways; text-to-pay technology, alternative payment methods, and contactless payments; and the FinZeo platform, a scalable cloud-based architecture supporting digital banking, SMS invoicing, and white-labeled portals backed by patents in mobile content delivery, chat systems, and geolocation-based transactions. AppTech recently launched the Commerse platform, unifying digital banking, text-based payments, and merchant services for seamless commerce; introduced CoreBanking integrated with FinZeo in April 2025; secured a $5 million investment from AFIOS Partners in late 2024 with $2.5 million received initially; formed a strategic partnership in September 2024 to expand its ACH platform to 40,000 clients; and completed the acquisition of InfinitusPay following the third quarter of 2025 to enhance Banking-as-a-Service capabilities, add technology and customers, and drive recurring revenue growth.