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APCX on OTC

AppTech Payments Corp.

AppTech Payments Corp. is an American prepackaged software services company based in Carlsbad.1 Its shares trade on OTC under the symbol APCX.1

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Last updated Oct 21, 2026.

Overview

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  • TickerAPCX on OTC1
  • IndustryServices-Prepackaged Software1
  • HeadquartersCarlsbad, California1
  • Incorporated inDE2
  • Business address5050 Avenida Encinas, Suite 120, Carlsbad, Ca2
  • Filer categoryNon-accelerated filer, Smaller reporting company2
  • Legal formCorporation

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These institutions represent a significant and underserved segment of the market.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

55.3%Gross margin4
-543.3%Operating margin4
-567.7%Net margin4
405.4%Revenue growth, 20254
-418.4%Return on equity4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Cost of revenue7¢$624.0K
  • Research and development26¢$2.3M
  • Selling, general and admin67¢$6.0M

Out of $1.4M in revenue.4 The company lost money this year.

Financial statements

Revenue567894$1.4M in 2025+445% since 2019
0$500.0K$1.0M$1.5M2019: $256.1K$256.1K20192020: $329.5K$329.5K2020+29%2021: $354$3542021−100%2022: $450.0K$450.0K2022+127019%2023: $504.0K$504.0K2023+12%2024: $276.0K$276.0K2024−45%2025: $1.4M$1.4M2025+405%
Gross profit567894$771.0K in 2025+399% since 2019
0$200.0K$400.0K$600.0K$800.0K2019: $154.5K$154.5K20192020: $189.1K$189.1K2020+22%2021: $204$2042021−100%2022: $230.0K$230.0K2022+112645%2023: $317.0K$317.0K2023+38%2024: $224.0K$224.0K2024−29%2025: $771.0K$771.0K2025+244%
Operating income567894-$7.6M in 2025+699% since 2019
-$20.0M-$15.0M-$10.0M-$5.0M0$5.0M2019: -$948.4K-$948.4K20192020: -$3.6M-$3.6M2020+281%2021: $77.3K$77.3K20212022: -$16.2M-$16.2M20222023: -$19.2M-$19.2M2023+18%2024: -$9.5M-$9.5M2024−50%2025: -$7.6M-$7.6M2025−21%
Net income56894-$7.9M in 2025+490% since 2019
-$80.0M-$60.0M-$40.0M-$20.0M02019: -$1.3M-$1.3M20192020: -$4.2M-$4.2M2020+212%2021: -$79.2M-$79.2M2021+1793%2022: -$16.3M-$16.3M2022−79%2023: -$18.5M-$18.5M2023+14%2024: -$8.9M-$8.9M2024−52%2025: -$7.9M-$7.9M2025−11%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Revenues$1.4M$276.0K
Cost of revenues$624.0K$52.0K
Gross profit$771.0K$224.0K
General and administrative, including stock-based compensation of $981 thousand and $1,254 thousand, for the years ended December 31, 2025 and 2024, respectively$6.0M$7.8M
Research and development, including stock-based compensation of $0 thousand and $138 thousand, for the years ended December 31, 2025 and 2024, respectively$2.3M$2.0M
Total operating expenses$8.3M$9.8M
Loss from operations-$7.6M-$9.5M
Interest expense-$121.0K-$67.0K
Gain on debt extinguishment$13.0K$1.2M
Loss on change in fair value of contingent consideration-$174.0K$0
Debt discount amortization-$104.0K-$579.0K
Other income$45.0K$15.0K
Total other expenses-$341.0K$614.0K
Loss before provision for income taxes-$7.9M-$8.9M
Provision for income taxes$0$0
Net loss-$7.9M-$8.9M
Deemed dividend related to warrant resets$0-$15.0K
Net loss attributable to common stockholders-$7.9M-$8.9M
Basic net loss per common share-$0.23-$0.35
Diluted net loss per common share-$0.23-$0.35
Weighted-average number of shares used basic per share amounts34.9M shares25.3M shares
Weighted-average number of shares used diluted per share amounts34.9M shares25.3M shares

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Corporate structure

AppTech Payments Corp. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of AppTech Payments Corp.

  • Albert L. Lord Filed SCHEDULE 13D on AppTech Payments Corp., latest Jul 3, 2025
  • nDigital Ventures Filed SC 13D/A on AppTech Payments Corp., latest May 26, 2022
  • AppTech Payments Corp. Carlsbad, California

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What AppTech Payments Corp. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Computer equipment and software$2.6M9 Dec 31, 2024$1.6M9 Dec 31, 2023+69.0%
Operating-lease assets (leased space)$18.0K4 Dec 31, 2025$86.0K4 Dec 31, 2024−79.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$3.0M4 Dec 31, 2025$1.2M4 Dec 31, 2024+154.6%
Finite-lived intangibles, net$4.2M4 Dec 31, 2025$3.4M4 Dec 31, 2024+21.7%

Properties, in its own words

Corporate headquarters is located at 5876 Owens Avenue, Suite 100, Carlsbad, CA 92008, consisting of approximately 3,000 square feet of leased office space. The Company does not own any real property.

Item 2 of the 10-K filed Mar 31, 2026.3

Leadership

Who has led AppTech Payments Corp., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Timothy J. Connolly2008–2009
  2. Luke Damian D'Angelo2020–2021
  3. Felipe Amilcar Corrado Iv.2026–now

Chair

  1. Luke Damian D'Angelo2017–2018

Chief financial officer

  1. Timothy J. Connolly2007–2009
  2. Gary B. Wachs2020
  3. Felipe Amilcar Corrado Iv.2025–now

Chief operating officer

  1. Chad Nelley2022
2010201520202025
Board members and other officers (13)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerThomas DeRosa named Dec 31, 202430
  • Executive Officer, DirectorVirgilio D. Llapitan named Jul 26, 2024 to Dec 31, 202430
  • Executive OfficerMeiLin Yu named Jul 26, 202431
  • DirectorAlbert L. Lord named Dec 31, 202430
  • DirectorWilliam Huff named Jul 26, 202431

Former names

  • AppTech Corp.Sep 1, 2011 to Dec 13, 20212
  • Natural Nutrition Inc.Nov 3, 2006 to Jul 23, 20092
  • CSI Business Finance, Inc.Oct 18, 2005 to Sep 21, 20062
  • HEALTH EXPRESS USA INCDec 22, 1999 to Sep 16, 20052

Timeline

  1. Oct 6, 20268-K Executive or director change32
  2. Oct 5, 20268-K Entered a material agreement; New debt or obligation; Unregistered sale of shares33
  3. Aug 26, 2026New chief executive Felipe Amilcar Corrado Iv. becomes CEO12
  4. Aug 14, 20268-K Entered a material agreement; New debt or obligation34
  5. Jul 21, 20268-K Entered a material agreement; New debt or obligation35
  6. Jul 10, 20268-K Executive or director change36
  7. Jul 2, 20268-K Entered a material agreement; New debt or obligation37
  8. Jun 2, 20268-K Shareholder vote38
  9. May 19, 20268-K Executive or director change39
  10. May 8, 20268-K Executive or director change40
  11. Apr 10, 20268-K Entered a material agreement; New debt or obligation; Unregistered sale of shares41
  12. Feb 23, 20268-K Entered a material agreement42
  13. Feb 19, 20268-K Entered a material agreement43
  14. Oct 22, 2020New chief executive Luke Damian D'Angelo becomes CEO13
  15. Nov 25, 2008New chief executive Timothy J. Connolly becomes CEO14

Calendar

When it reported results

  1. May 10, 2022Reported quarterly or annual results44

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

220 filings to the SEC since October 2021: 6 annual reports, 16 quarterly reports, 62 major events, 79 insider forms, 2 large holders, 2 private raises, 53 other. The latest 20:

  1. Oct 6, 20268-K EDGAR
  2. Oct 5, 20268-K CURRENT REPORT EDGAR
  3. Sep 3, 20264 EDGAR
  4. Aug 31, 20264 EDGAR
  5. Aug 31, 20264 EDGAR
  6. Aug 26, 20264 EDGAR
  7. Aug 26, 20264 EDGAR
  8. Aug 20, 20264 EDGAR
  9. Aug 17, 20264 EDGAR
  10. Aug 14, 20268-K CURRENT REPORT EDGAR
  11. Aug 14, 202610-Q FORM 10-Q FOR JUN 2026 EDGAR
  12. Aug 12, 20264 EDGAR
  13. Aug 7, 20264 EDGAR
  14. Aug 5, 20264/A EDGAR
  15. Aug 4, 20264 EDGAR
  16. Jul 21, 20268-K EDGAR
  17. Jul 10, 20268-K CURRENT REPORT EDGAR
  18. Jul 2, 20268-K FORM 8-KJ EDGAR
  19. Jun 11, 20264 EDGAR
  20. Jun 4, 20264 EDGAR

The 220 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

53 open-market trades by officers, directors and large owners since October 2021: 53 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 3, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Sep 2, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Sep 1, 2026LORD ALBERT LDirectorBuy20,000$0.35$7.0KForm 4
Aug 31, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 28, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 27, 2026LORD ALBERT LDirectorBuy20,000$0.34$6.8KForm 4
Aug 27, 2026Corrado Felipe Amilcar IVInterim CEO & CFOBuy10,000$0.36$3.6KForm 4
Aug 26, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 25, 2026LORD ALBERT LDirectorBuy20,000$0.35$7.0KForm 4
Aug 24, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 20, 2026Corrado Felipe Amilcar IVInterim CEO & CFOBuy10,000$0.38$3.8KForm 4
Aug 20, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 19, 2026LORD ALBERT LDirectorBuy20,000$0.37$7.4KForm 4
Aug 18, 2026LORD ALBERT LDirectorBuy20,000$0.35$7.0KForm 4
Aug 17, 2026LORD ALBERT LDirectorBuy20,000$0.39$7.8KForm 4
Aug 14, 2026LORD ALBERT LDirectorBuy20,000$0.39$7.8KForm 4
Aug 13, 2026LORD ALBERT LDirectorBuy20,000$0.38$7.6KForm 4
Aug 12, 2026LORD ALBERT LDirectorBuy20,000$0.37$7.4KForm 4
Aug 11, 2026LORD ALBERT LDirectorBuy20,000$0.36$7.2KForm 4
Aug 10, 2026LORD ALBERT LDirectorBuy20,000$0.37$7.4KForm 4

All 53 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Thomas J. DeRosa63$390.0K47
2025Felipe A. Corrado IV$200.0K$284.0K47
2024Luke D’Angelo$275.0K$993.4K47
2024Virgilio Llapitan$138.4K$373.8K47
2024Meilin Yu “Julia Yu”$210.0K$252.8K47

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Dec 16, 2024Raised $2.5 million in a private offering of equity Form D: $6 million offered in all Form D
  2. Jul 11, 2024Raised $1 million in a private offering of securities Form D: 2 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Geneos Wealth Management Inc.2,000$6800.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How AppTech Payments Corp. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARAppTech Payments Corp.1
  • CIK0001070050
  • Employer ID (EIN)65-08479953
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; a shell company3
  • Incorporated inDelaware3
  • Fiscal year endsDecember 311
  • Industry code (SIC)7372 Services-Prepackaged Software1
  • SEC reviewing officeOffice of Technology, Division of Corporation Finance1
  • Business address5050 Avenida Encinas, Suite 120, Carlsbad, CA1
  • Phone(760) 707-59551
  • Shares outstanding42,003,934 as of Aug 14, 202611
  • Public float$19.0M as of Jun 30, 20253
  • Auditordbbmckennon, San Diego, California PCAOB ID 3501; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceOct 6, 19991
  • Filings489 in all: 4 (146), 8-K (100), 3 (31), 10QSB (24), 10-Q (23), S-1/A (11), CORRESP (10), NT 10-Q (10)1
    All 54 form types

    DEF 14A (8), DEFA14A (8), 10-K (7), 4/A (7), UPLOAD (7), 10KSB (6), 10QSB/A (6), 8-K/A (6), 424B5 (5), DEF 14C (5), REGDEX (5), D (4), EFFECT (4), NT 10-K (4), SC 13D (4), 10-K/A (3), 10KSB40 (3), 10SB12G/A (3), PRE 14C (3), S-1 (3), 10-12G/A (2), 10KSB/A (2), 15-12G (2), 3/A (2), 424B3 (2), S-8 (2), SB-2 (2), 10-12B (1), 10-12G (1), 10-Q/A (1), 10SB12B/A (1), 10SB12G (1), 15-12G/A (1), 25-NSE (1), 424B2 (1), 424B4 (1), 8-A12B (1), CERT (1), NTN 10Q (1), RW (1), S-3 (1), S-3/A (1), SB-2/A (1), SC 13D/A (1), SC 14F1 (1), SCHEDULE 13D (1)

  • Latest filingsAnnual report (10-K) Mar 31, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Apr 14, 2026
    Latest 8-K (8-K) Oct 6, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.001 par value per shareAPCX
Warrants, each whole warrant exercisable for one share of common stock at an exercise price of $4.15APCXW

From the cover page of the 10-K filed Mar 31, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

Legal proceedings

Finzeo Seller Suit

On October 30, 2025, AppTech Payments Corp. filed a lawsuit in the United States District Court, Southern District of California, against Seller with claims for trade secret misappropriation, fraud, misrepresentation, conversion, unfair business practices, violation of California Penal Code section 502, and breach of contract. The litigation relates to AppTech’s acquisition of membership interests in a company and the company’s related product. The defendant has made claims of an offset based on alleged outstanding payments as part of the acquisition. On November 4, 2025, the Court entered an order approving the parties Stipulation/Joint re AppTech’s Motion for Temporary Restraining Order and Order. The case is currently in the discovery stage with the final pretrial conference scheduled for March 18, 2027.

On March 13, 2025, Moses & Singer LLP filed a case against AppTech Payments Corp. for unpaid fees of approximately $445 thousand with the American Arbitration Association. AppTech has brought a counterclaim of legal malpractice for $800 thousand. Arbitration is confidential and ongoing; resolution is expected before or by April 2026. Invoices for fees and costs to date are reflected in accounts payable.

Infinios Financial Services Litigation

The opening of Item 3, Legal Proceedings.3

Sources

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