Apex Payment Solutions
Apex Payment Solutions is a dental-vertical payment processor offering an all-in-one platform — terminals, online payments, recurring plans, and encrypted card storage — to over 4,000 US dental practices and adjacent healthcare providers under interchange-plus, surcharge, and cash-discount pricing programs.
- Company typePrivate
- Founded2016
- HeadquartersIndianapolis, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Apex Payment Solutions does
Apex Payment Solutions is a US-based, dental-vertical payment processing company founded in 2016 and headquartered in Indianapolis. The company operates as a registered Independent Sales Organization of Wells Fargo Bank, PNC Bank, and Pathward, N.A., and serves more than 4,000 dental practices (plus an expanding set of chiropractors, veterinarians, and other healthcare providers) processing over $1 billion in annual payment volume. Apex is PCI DSS Level 1 certified and structured as an ISO under three banking sponsors.
Its core product is an "All-in-One Platform" that unifies terminal-based payment processing, online payment widgets, recurring payment plans, encrypted card-on-file storage, and reporting/analytics in a single dashboard. The platform supports a broad hardware footprint (Clover Mini/Flex/Go, Dejavoo P-series, CardPointe Mobile VP3300, Augusta, Ingenico Desk 3500) and integrates directly with dental practice management software including Flex/Open Dental, CareStack, Kasper, PatientXpress, Liquid Payments, and mConsent. Pricing is offered through three programs — Apex Zero (surcharge-based, zero fees to the practice), Apex Plus (transparent interchange-plus), and Non-Cash Adjustment (cash discounting) — with no contracts, no setup fees, and a free terminal bundled into the surcharge program.
Apex monetizes through transaction fees, hardware pass-through (terminals at cost), and ongoing platform usage. Its go-to-market combines inside sales for SMB dental practices with a field/enterprise motion for DSOs, supported by a community-led acquisition engine built on podcast sponsorships and partnerships with dental-vertical communities (Dental Disrupt, Shared Practices, Mommy Dentists In Business, Dental A Team, The Pathway, Nifty Thrifty). The leadership team is founder-led and dentist-anchored: co-founders Dr. Zachary Allmand (a practicing dentist and former USAF officer) and Jonathan Catapano (a former commercial banker), with Dr. Suzanne Allmand as CFO; 75% of the broader team has prior experience working in dental practices.
Apex Payment Solutions firmographics
Firmographics- Name
- Apex Payment Solutions
- Legal name
- Apex Payment Solutions
- Website
- https://apexpaymentsolutions.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Apex Payment Solutions is a dental-vertical payment processor offering an all-in-one platform — terminals, online payments, recurring plans, and encrypted card storage — to over 4,000 US dental practices and adjacent healthcare providers under interchange-plus, surcharge, and cash-discount pricing programs.
- Ownership category
- akta.pro rank
Apex Payment Solutions industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Payment Gateways & Orchestration (BPAMAFAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Apex Payment Solutions is headquartered
LocationHeadquarters
- HQ city
- Indianapolis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Apex Payment Solutions business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Fees (Transaction Fees): Apex charges processing fees on credit card and debit card transactions. Under the Surcharge Program, the practice pays zero processing fees (patients pay the surcharge). Under Interchange Plus, the practice pays the interchange rate plus a transparent provider fee. Under Cash Discounting, credit/debit card transactions incur fees while cash/check transactions avoid them.
- Terminal Equipment Sales: Apex provides payment terminals at cost with no markup. A free terminal is included when signing up for the Surcharge Program. Terminal options include Clover, Dejavoo, CardPointe, and Ingenico devices.
- Software Platform Subscription: The All-in-One platform provides recurring payment plans, online payment widgets, encrypted card storage, and reporting tools. The company states no setup fees, no cancellation fees, and rate lock guarantees. Revenue is generated through ongoing transaction processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Apex Zero eliminates all credit card processing fees for the practice through a surcharge model. Zero cost to accept credit cards, zero cost to patients using debit, free terminal included, and 100% compliant. |
| Transaction based/ take rate | Pay-as-you-go | Apex Plus offers transparent Interchange Plus pricing with lower cost processing than competitors. Savings from lower-cost cards are passed on to the office. All rates and fees shown on statements. |
| Transaction based/ take rate | Pay-as-you-go | Non-Cash Adjustment (Cash Discounting) allows practices to offer a 3-5% discount to patients paying with cash or check. Patients paying with credit or debit cards see a non-cash adjustment instead of a discount. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
Apex Payment Solutions product offering
Product offeringCore offering
Apex Payment Solutions provides credit and debit card processing, surcharge and cash discount programs, and an All-in-One Platform with encrypted card storage, recurring payment plans, and real-time analytics, tailored to dental practices. The company also sells payment terminals and offers PCI Level 1 compliant processing. Its offerings combine payment hardware, software, and fee-elimination programs designed specifically for dental offices.
Product overview
Apex Payment Solutions provides an integrated payment processing ecosystem for dental and healthcare practices centered on the All-in-One Platform, which unifies the Online Platform (web-based payment dashboard, recurring plans, website widgets, and encrypted card storage) with a full suite of physical Terminals (Clover Mini/Flex/Go, Dejavoo P-Series, CardPointe Mobile VP3300, Augusta, Ingenico Desk 3500). The offering is differentiated by three distinct pricing programs: Apex Zero (surcharge-based, zero fees to practice), Apex Plus (transparent interchange-plus pricing), and the Surcharge Program (surcharge with free terminal). Practices can also access the Cash Discount Communication Guide as a supporting resource. The platform integrates directly with dental practice management software including Flex/Open Dental, CareStack, Kasper, PatientXpress, Liquid Payments, and mConsent.
Differentiator
Problem solved
Functional benefit
Brands
- Apex Zero: A surcharge program that eliminates all credit card processing fees with zero cost to office, zero cost to patients using debit cards, zero cost to start with a free terminal, and zero hidden fees.
- Apex Plus
Products and services
- All-in-One Platform
- Terminals
- Surcharge Program
Quantifiable outcome
- Over $1 billion in payment volume processed annually across over 4,000 practices
- +6 more outcomes
Companies that use Apex Payment Solutions
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles2 records
Apex Payment Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature6 records
Apex Payment Solutions partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, flagship and minor.
- FlexcoreFlex is a dental software solution that integrates with Apex Payment Solutions to provide Open Dental users with smart, easy-to-use collection tools that supercharge and simplify dental practice workflows. The integration allows seamless payment processing within the Open Dental environment.
- CareStackcoreCareStack creates a robust, cohesive payment reporting platform that allows dental practices to take payments in the office, via text message, on the practice website, and via automated billing plans. The integration with Apex enables seamless payment processing within the CareStack ecosystem.
- KaspercoreKasper integrates with Apex Payment Solutions to help dental practices seamlessly run their operations, communicate with patients, and manage appointments alongside payment processing.
- PatientXpresscorePatientXpress is a full-service payment software that allows virtual or in-office payments to flow directly into the Apex All-in-One Platform, providing a unified payment management experience.
- mConsentcoremConsent is a cloud-based platform that streamlines patient intake processes for healthcare practices by digitizing forms, consents, and document management. The partnership allows Apex to be recommended within the mConsent ecosystem.
- Shared PracticesflagshipShared Practices is a consulting company led by dentists that helps the modern dentist navigate practice ownership. They consult with students, pre-owners, associates, and owners to help scale their businesses. Apex is featured on the Shared Practices podcast and provides payment solutions to Shared Practices' dentist clients.
- Dental DisruptcoreDental Disrupt is a dental industry community with a Facebook group of over 30,000 members, providing dentists with a space to network, ask questions, and share ideas. Apex partners with Dental Disrupt for community engagement and brand visibility within the dental profession.
- The PathwaycoreThe Pathway is a continuing education program for dentists founded by Justin Moody, DDS, offering hands-on training with live patients in the USA. Apex partners with The Pathway to reach continuing education participants with payment solutions.
- Mommy Dentists In BusinesscoreMommy Dentists in Business provides support and community for dentists navigating motherhood, their profession, and owning their own business through podcasts, webinar series, and live events. Apex is a podcast sponsor and partner, reaching this community of dentist entrepreneurs.
- Dentistry In GeneralminorDentistry in General is a dentist-only Facebook group with over 5,000 members that allows dentists to connect, share ideas, and learn about the profession. Apex partners with this community for brand visibility.
- Dental A TeamcoreThe Dental A Team provides practice management consulting and has helped over 200 dentists and their teams build profitable dental practices, increasing revenue by 10-30% in the first 60 days for in-person consulting clients. Apex partners with them to provide integrated payment solutions.
- Nifty ThriftycoreNifty Thrifty is a community for dental professionals led by dentist Glenn Vo, offering free dental discounts, a blog, podcast, Facebook group, and resources. Apex partners with Nifty Thrifty to reach cost-conscious dental practice owners.
- Prosperity Dental SolutionscoreProsperity Dental Solutions provides consulting and coaching services to dental practices, including practice management, financial analysis, team training, marketing, and leadership development. They aim to empower dental professionals to build successful practices and partner with Apex for integrated payment solutions.
- Wells Fargo Bank, N.A. (Concord, CA)coreApex Payment Solutions is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., enabling the company to offer payment processing services under Wells Fargo's banking relationship.
- PNC Bank, N.A. (Pittsburgh, PA)coreApex Payment Solutions is a registered Independent Sales Organization (ISO) of PNC Bank, N.A., providing an additional banking relationship for payment processing services.
- Pathward, N.A. (Sioux Falls, SD)coreApex Payment Solutions is a registered Independent Sales Organization (ISO) of Pathward, N.A., enabling the company to provide payment processing services under Pathward's banking charter.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Apex Payment Solutions competitors and assessment
Company assessmentDirect peers
- Rectangle Health: Rectangle Health is a payment processing and patient engagement platform purpose-built for healthcare practices, with deep presence in dental. It competes head-to-head with Apex on dental payment processing, recurring plans, and practice-management integrations, serving a similar SMB and DSO customer base.
- Lightening Pay: Lightening Pay is a dental-focused payment processor offering transparent pricing and integrations with dental practice management software. It targets the same SMB and group-practice customers with overlapping feature sets (recurring plans, online payments, terminal hardware).
Broad incumbents
- CareCredit (Synchrony Financial): CareCredit is the dominant third-party patient financing product for dental and healthcare in the US. It is the incumbent alternative to Apex's in-house financing strategy and competes for the same wallet share of practice revenue tied to patient payment plans.
- Square (Block): Square, part of Block, is a horizontal SMB payment processor with broad hardware, software, and lending offerings. It is the largest indirect competitor for Apex's dental practice customers and has been progressively verticalizing into healthcare-adjacent segments.
- Stripe: Stripe is a leading internet payment processor with extensive API and embedded finance capabilities. While not dental-specialized, Stripe powers embedded payments inside many practice management platforms that compete for the same downstream dental practice wallet.
- Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is one of the largest US merchant acquirers and ISO sponsors. It competes with Apex for dental practices through direct sales, ISO/reseller channels, and serves as a comparable scaled payment processing organization.
- North American Bancard: North American Bancard is a sizable US ISO and payment processor serving SMB merchants across verticals including healthcare. It competes on interchange-plus and subscription pricing models similar to Apex Plus, with overlapping terminal and gateway offerings.
Emerging players
- Sunbit: Sunbit is a point-of-sale financing provider focused on dental, automotive, and other service verticals. It overlaps directly with Apex's in-house/recurring financing value proposition and is increasingly embedded at the front desk of dental practices as an alternative to CareCredit.
- iCreditWorks: iCreditWorks is a patient financing company focused on dental and healthcare practices offering installment lending at the point of care. It competes for the same in-house vs. third-party financing decision Apex customers face.
- Tebra (PatientPop): Tebra is a practice growth and management platform for independent practices including dental, formed through the PatientPop/Kareo merger. It competes in adjacent software layers (reputation, scheduling, patient communication) and could move into integrated payments, making it a strategic adjacent player rather than a direct PSP competitor today.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks1 record
Key highlights7 records
Customer concentration
Apex Payment Solutions social profiles
Digital presenceApex Payment Solutions compliance and trust
Trust signalCompliance1 record
Apex Payment Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Apex Payment Solutions leadership team
Management profileNumber of profiles
Profiles7 records
Apex Payment Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Apex Payment Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Apex Payment Solutions
What does Apex Payment Solutions do?
Apex Payment Solutions provides credit and debit card processing, surcharge and cash discount programs, and an All-in-One Platform with encrypted card storage, recurring payment plans, and real-time analytics, tailored to dental practices. The company also sells payment terminals and offers PCI Level 1 compliant processing. Its offerings combine payment hardware, software, and fee-elimination programs designed specifically for dental offices.
Is Apex Payment Solutions a public or private company?
Apex Payment Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Apex Payment Solutions founded?
Apex Payment Solutions was founded in 2016. It employs 11 to 50 people.
Where is Apex Payment Solutions based?
Apex Payment Solutions is headquartered in Indianapolis, United States, in the North America region.
How does Apex Payment Solutions make money?
Three revenue lines are on record. Payment Processing Fees (Transaction Fees) is the primary driver. The others are terminal Equipment Sales and software Platform Subscription.
Who are Apex Payment Solutions's main competitors?
Direct peers on record are Rectangle Health and Lightening Pay. Broad incumbents are CareCredit (Synchrony Financial), Square (Block), Stripe, Heartland Payment Systems (Global Payments) and North American Bancard. Emerging players are Sunbit, iCreditWorks and Tebra (PatientPop).
Does Apex Payment Solutions have an API?
No public API is recorded for Apex Payment Solutions.
What industry is Apex Payment Solutions in?
Apex Payment Solutions's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232 and its SIC code is 6199.