AppTech Payments director buys 40,000 shares

AppTech Payments Corp. director Albert L. Lord, through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, reported purchasing a total of 40,000 shares of common stock in open-market or private transactions at about $0.29 per share.

Rhea-AI Filing Summary

AppTech Payments Corp. director Albert L. Lord, through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, reported purchasing a total of 40,000 shares of common stock in open-market or private transactions at about $0.29 per share. One purchase used a weighted-average price between $0.2750 and $0.2991. The filing indicates the trades were not under a Rule 10b5-1 plan.

Insider Trade Summary

Net Buyer: 40,000 shares

Net Buy 2 txns

Insider LORD ALBERT L

Role Director

Bought 40,000 shs ($12K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	20,000	$0.29	$6K
Purchase	Common Stock F1	20,000	$0.2895	$6K

Holdings After Transaction: Common Stock — 1,040,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (1)

1. F1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.2750 to $0.2991, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote (1) to this Form 4.

Key Figures

Shares purchased 31 Jul 2026: 20,000 shares Price range 31 Jul 2026: $0.2750–$0.2991 per share Shares purchased 3 Aug 2026: 20,000 shares +1 more

4 metrics

Shares purchased 31 Jul 2026 20,000 shares Non-derivative common stock purchase at weighted average $0.2895 per share

Price range 31 Jul 2026 $0.2750–$0.2991 per share Range for the weighted-average purchase on 2026-07-31

Shares purchased 3 Aug 2026 20,000 shares Non-derivative common stock purchase at $0.2900 per share on 2026-08-03

Total shares purchased 40,000 shares Aggregate net buy shares across the reported transactions

Key Terms

weighted average price, Spousal Estate Reduction Trust, indirect

3 terms

weighted average price financial

"The price reported in Column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

Spousal Estate Reduction Trust financial

"Nature of ownership is the Suzanne D. Lord 2025 Spousal Estate Reduction Trust."

indirect financial

"Ownership type is indirect through the specified spousal estate reduction trust."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider share purchases did AppTech Payments Corp. (APCX) report?

AppTech Payments Corp. reported that director Albert L. Lord, via a spousal estate reduction trust, bought 40,000 shares of common stock at prices around $0.29 per share. The purchases occurred on July 31, 2026 and August 3, 2026 in open-market or private transactions.

At what prices were the APCX insider purchases executed?

The trust purchased 20,000 shares on August 3, 2026 at $0.2900 per share and 20,000 shares on July 31, 2026 at a weighted-average price of $0.2895, with individual trades ranging from $0.2750 to $0.2991 per share.

Who made the insider purchases reported for AppTech Payments Corp. (APCX)?

The reported buyer is director Albert L. Lord, with the shares held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The filing classifies the ownership as indirect, attributing the common stock to this specific trust rather than direct personal holdings.

Were the APCX insider trades made under a Rule 10b5-1 trading plan?

No. The Rule 10b5-1 checkbox in the filing is not marked, indicating the 40,000-share purchase was not conducted under an affirmed Rule 10b5-1 trading plan. This means the transactions are not identified as pre-scheduled pursuant to such a plan.

How many buy and sell transactions did the APCX Form 4/A show?

The Form 4/A shows 2 buy transactions totaling 40,000 shares and no sales. Both transactions involve non-derivative common stock, are categorized as purchases in open-market or private trades, and result in a net-buy direction for the reporting period covered.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 08/05/2026 - 04:24 PM Accepted by SEC EDGAR 08/05/2026 - 04:23 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LORD ALBERT L

(Last) (First) (Middle)

C/O APPTECH PAYMENTS CORP.

5876 OWENS AVE., SUITE 100

(Street)

CARLSBAD CALIFORNIA 92008

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
AppTech Payments Corp. [ APCX ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/31/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)
08/04/2026

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/31/2026		P		20,000	A	$0.2895(1)	1,020,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/03/2026		P		20,000	A	$0.29	1,040,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.2750 to $0.2991, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote (1) to this Form 4.

	/s/ Albert L. Lord	08/05/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)