Every 8-K that Apptech (APCX) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow APCX and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full APCX filings page.
AppTech Payments Corp. entered into a Promissory Note on August 10, 2026 with the Suzanne D. Lord Spousal Estate Reduction Trust dated January 17, 2025. The trust agreed to lend the company $500,000 for short-term working capital and general corporate purposes at a fixed 9.0% per annum interest rate.
The note matures 90 days from issuance, with no required principal or interest payments before maturity and the option for prepayment at any time without premium or penalty, provided accrued interest is paid. It includes customary events of default, after which all outstanding principal and accrued interest may be accelerated. The lender is a related party because the company’s board chairman, Albert L. Lord, Jr., serves as trustee of the lending trust, and the board approved the transaction under its related person transaction policies.
AppTech Payments Corp. entered into a $500,000 Promissory Note with the Suzanne D. Lord Spousal Estate Reduction Trust for short-term working capital and general corporate purposes. The note bears 9.0% annual interest, matures ninety days from issuance, and requires no principal or interest payments before maturity.
AppTech may prepay the note at any time without premium or penalty, provided accrued interest is paid, and the agreement includes customary events of default that allow the lender to accelerate all amounts due. Because the lender’s trustee is the company’s board chairman, the loan is treated as a related person transaction and was approved under the company’s related person transaction policies.
AppTech Payments Corp. reported a leadership change. On July 1, 2026, the company released Thomas J. DeRosa from his roles as President and Chief Executive Officer, effective immediately, though he remains on the Board of Directors. The Board appointed Felipe A. Corrado IV, age 47, as Interim Chief Executive Officer while he continues to serve as Chief Financial Officer and Treasurer. Corrado has served as CFO since December 2024 and previously worked as a management consultant to the company and in various financial, advisory, and audit roles at major firms. In connection with his expanded role, his compensation was set at $300,000.
AppTech Payments Corp. entered into a short-term $500,000 promissory note with the Suzanne D. Lord Spousal Estate Reduction Trust on June 26, 2026 to provide working capital and fund general corporate purposes. The note carries a 9.0% annual interest rate and matures in 90 days, with no principal or interest payments required before maturity and no prepayment penalty if accrued interest is paid at the time of prepayment.
The note includes customary default protections for the lender, such as acceleration of all principal and interest upon non-payment at maturity, bankruptcy, insolvency, or certain uncured material breaches. Because the lender trust is associated with the Board’s Chairman, Albert L. Lord, Jr., the company classifies this as a related person transaction and states that its Board approved the arrangement under its related person transaction policies.
AppTech Payments Corp. reported voting results from its 2026 Annual Shareholders’ Meeting. There were 40,503,934 common shares entitled to vote as of March 30, 2026, and 26,990,778 shares were represented in person or by proxy, indicating a solid quorum.
Director nominees received substantial support: Albert L. Lord received 24,278,883 votes for and 2,711,895 withheld, while Thomas J. DeRosa received 18,839,757 votes for and 8,151,021 withheld, with 574,067 broker non-votes for each. Shareholders also voted on several other proposals, including an advisory frequency choice for executive compensation, where 21,868,753 votes favored a one-year frequency over longer alternatives.
AppTech Payments Corp. filed an amended report to update its disclosure on recent leadership and governance changes. The Board designated Albert L. Lord as Executive Chairman, meaning he is no longer treated as an independent director and will leave the Compensation Committee.
The Board also formalized employment arrangements for Chief Executive Officer Thomas DeRosa and Chief Operating Officer Anthony Shall. Mr. DeRosa’s arrangement includes a $384,000 annual base salary, while Mr. Shall’s includes a $240,000 annual base salary, with both eligible for discretionary bonuses and equity and benefit plans.
In addition, the Board appointed former KPMG partner Robert J. Lipstein, age 70, as an independent Class II director and Chairman of the Audit Committee. The filing notes his extensive accounting, regulatory and board experience, and states there are no related-party or compensatory arrangements beyond the company’s standard non-employee director program.
AppTech Payments Corp. updated its leadership and executive employment terms. The Board designated Albert L. Lord as Executive Chairman, so he is no longer treated as an independent director and has stepped down from the Compensation Committee.
The Board also ratified employment arrangements for Chief Executive Officer Thomas DeRosa and Chief Operating Officer Anthony Shall. Effective May 4, 2026, Mr. DeRosa will continue as CEO with an annual base salary of $384,000, and Mr. Shall will continue as COO with an annual base salary of $240,000, each eligible for discretionary bonuses and participation in the company’s equity and benefit plans.
AppTech Payments Corp. entered into securities purchase agreements with LendSpark Corporation and Manetto Hill Fund Series I, LLC for high-yield debt financing and equity-linked securities. Each Investor purchased an 18% promissory note with a principal amount of $500,000 at a discounted purchase price of $475,000, reflecting an original issue discount.
The notes mature 14 months from the April 3, 2026 issue date, include cash amortization payments starting on May 4, 2026, and are convertible at the Investors’ option into common stock at $2.00 per share, subject to a 4.99% beneficial ownership cap. Upon certain defaults, Investors may accelerate the notes and receive up to 125% of outstanding principal and accrued interest, with alternative conversion pricing.
Each Investor also received a warrant to purchase up to 500,000 shares of common stock at an initial exercise price of $1.00 per share, with a five‑year term, a 4.99% ownership cap, cashless exercise features and anti‑dilution protections. Infinitus Pay Inc., a wholly‑owned subsidiary, provided a guaranty of the Company’s obligations and granted a security interest in collateral.
AppTech Payments Corp. filed an amended current report to correct a prior disclosure related to a material agreement. The company replaced Exhibit 10.1 to its earlier report because that exhibit mistakenly included internal financial projections.
The projections were created only for internal planning and budgeting, were preliminary, unaudited and based on numerous uncertain assumptions. AppTech states they were not intended for public disclosure or for use under SEC or U.S. GAAP guidelines and indicates it does not plan to update or reaffirm them. The underlying agreement, a First Amendment to a Revenue Participation Agreement with Ascendancy Management, Inc., remains in place; the amendment otherwise leaves the original report unchanged.
AppTech Payments Corp. entered into a First Amendment to its Revenue Participation Agreement with Ascendancy Management, Inc., increasing the total revenue participation contribution to $2,000,000. This consists of three payments of $500,000 each starting on November 15, 2025, plus an additional $500,000 due on or before February 28, 2026.
In return, Ascendancy receives a 1.75% revenue participation interest in AppTech’s gross contract revenue, with adjustments and minimum monthly payments. The revenue participation term runs from November 1, 2025 through December 31, 2029, totaling fifty months. The contribution is expressly characterized as not being a loan, and AppTech will repay the full $2,000,000 without interest on a prorated basis over the final eighteen months of the term.
AppTech Payments Corp. completed the acquisition of Infinitus Pay Inc., buying all of its shares under a stock purchase and share exchange agreement. The company agreed to pay $2,000,000 in cash at closing, less any indebtedness, issue 1,000,000 newly issued common shares as closing consideration, and grant 4,000,000 additional newly issued common shares subject to lock-up restrictions.
The sellers also received warrants to purchase up to 4,000,000 common shares at an exercise price of $3.00 per share, exercisable for five years once the common stock closes at or above $3.00 per share on the public market where it is registered. An additional $1,000,000 in cash is payable if Infinitus revenue reaches at least $300,000 per month for three consecutive months after closing.
This amendment updates the earlier report by adding audited financial statements of Infinitus, unaudited interim financials, and unaudited pro forma financial statements for AppTech reflecting the Infinitus acquisition.
AppTech Payments Corp. (APCX) disclosed that it amended a senior unsecured convertible promissory note held by Eleven 11 Management LLC. The original note, dated June 18, 2025, has a principal balance of $360,000. Under the amendment, the maturity date is moved to January 16, 2026, with a structured repayment schedule: $50,000 of principal is due on December 5, 2025, $200,000 of principal is due on December 20, 2025, and the remaining principal of $110,000 is due on January 16, 2026. In addition, $20,000 of remaining interest is payable on the maturity date. The amendment also provides that the holder cannot convert any outstanding principal or interest into equity unless the company defaults on a required payment.
AppTech Payments Corp. (APCX) acquired 100% of Infinitus Pay Inc., making it a wholly owned subsidiary. The consideration included $2,000,000 in cash at closing (less any indebtedness), 1,000,000 newly issued common shares as Closing Date Shares, and 4,000,000 newly issued common shares as Lock-Up Shares, which may only be sold under the Lock-Up Agreement.
The sellers also received warrants to purchase up to 4,000,000 additional shares at an exercise price of $3.00 per share, with a five-year term. These warrants become exercisable on the first day after the Company’s common stock closes at or above $3.00 on its registered market. An additional $1,000,000 cash payment is due within ten business days after Infinitus Revenue equals or exceeds $300,000 per month for three consecutive months following closing.
The agreement includes guarantors and customary terms, and a press release was furnished under Regulation FD.