AppTech Payments Corp. is a financial technology (fintech) company. The Company’s Fintech platform, FinZeo, delivers financial technologies and capabilities through a modular cloud/edge-based architecture. The FinZeo platform houses a range of financial products and services that can be implemented off-the-shelf or customized via modern application programming interfaces. Within its FinZeo platform, it offers payments-as-a-service, banking-as-a-service, and the Commerse Portal. FinZeo provides PaaS via integrated solutions for frictionless digital and mobile payment acceptance. These solutions provide advanced payment processing solutions by catering to the needs of each merchant. FinZeo’s PaaS solutions include automatic clearing house, credit, and debit cards, eCheck, mobile processing, electronic billing, and text-to-pay. The Commerse Portal enables independent sales organizations and independent software vendors to integrate their businesses, facilitating technology adoption.