Who we are
www.apex-pay.io is a website operated by ApexPay FZ-LLC (“We”, “Our”, “Us”).
ApexPay FZ-LLC is a company incorporated in the United Arab Emirates as a Free Zone Limited Liability Company, with its registered office in the UAE.
ApexPay is operated by a team with experience in card acquiring, payment orchestration and merchant onboarding. We work as an intermediary between merchants and licensed payment institutions. We are not a bank, we do not hold client funds and we do not issue payment instruments.
The company can be contacted at info@apex-pay.io.
What we do
We review a merchant's business model, processing volume, jurisdiction and documentation, and we introduce the merchant to acquiring partners that operate in the corresponding industry segment. After an introduction, the acquiring partner carries out its own underwriting, due diligence and contractual process directly with the merchant.
Our role is limited to advisory, introduction and ongoing account support. All payment processing, fund settlement and regulatory compliance is provided by the licensed institutions that ultimately contract with the merchant.
Services we offer
- Payment processing introductions. Introductions to acquiring banks and payment service providers for card-not-present and alternative payment methods, including multi-acquirer setups and transaction routing.
- Chargeback prevention support. Assistance with enrolment in pre-dispute notification and resolution programmes operated by third parties, including Ethoca Alerts, Visa Rapid Dispute Resolution and Verifi Cardholder Dispute Resolution Network.
- Corporate structuring support. Guidance on entity setup, jurisdiction selection and documentation typically required by acquiring partners. Company formation and legal services are delivered by independent law firms and corporate service providers.
How we work
- A merchant submits an application through our website or by email.
- We review the application and request any additional information needed to identify suitable acquiring partners.
- We introduce the merchant to one or more acquiring partners that accept applications from the relevant industry and jurisdiction.
- The acquiring partner conducts its own underwriting and, if approved, signs a processing agreement directly with the merchant.
- We remain available for ongoing account questions and for follow-up introductions if the merchant later needs additional processing capacity.
Industries we work with
We accept enquiries from merchants in a wide range of industries, including e-commerce, software and digital services, travel, financial services, gaming and other regulated sectors. Eligibility for any specific acquiring partner is determined by that partner, not by ApexPay.
Regulatory information
ApexPay is not a licensed financial institution. We do not hold a banking, e-money or payment institution licence, and we do not provide payment services within the meaning of applicable payment services regulations. All licensed payment activity is performed by the third-party institutions to which a merchant is introduced.
Information on this website is provided for general informational purposes. It is not legal, tax or financial advice. Merchants should obtain independent professional advice before entering into any agreement.
Contact
For general enquiries, partnership requests or media questions, contact us at info@apex-pay.io. For information about our services, see the services page. For policies covering use of this website, see the privacy policy and terms of service.