AppTech Payments (APCX) director adds 60,000 shares via family trust

Rhea-AI Filing Summary

AppTech Payments Corp. director Albert L. Lord reported three purchases of Common Stock totaling 60,000 shares on August 5–7, 2026. The shares were acquired indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust at weighted-average prices in ranges between $0.3850 and $0.4000 per share.

Insider Trade Summary

Net Buyer: 60,000 shares

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 60,000 shs ($24K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F3	20,000	$0.3976	$8K
Purchase	Common Stock F2	20,000	$0.3986	$8K
Purchase	Common Stock F1	20,000	$0.3945	$8K

Holdings After Transaction: Common Stock — 1,100,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (3)

1. F1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3850 to $0.4000, 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.
2. F2. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3950 to $0.4000, 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 2 to this Form 4.
3. F3. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3850 to $0.4000, 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 3 to this Form 4.

Key Figures

Total shares purchased: 60,000 shares August 5, 2026 purchase: 20,000 shares at $0.3945 August 6, 2026 purchase: 20,000 shares at $0.3986 +1 more

4 metrics

Total shares purchased 60,000 shares Common Stock bought indirectly over August 5–7, 2026

August 5, 2026 purchase 20,000 shares at $0.3945 Weighted-average price; trades ranged from $0.3850 to $0.4000

August 6, 2026 purchase 20,000 shares at $0.3986 Weighted-average price; trades ranged from $0.3950 to $0.4000

August 7, 2026 purchase 20,000 shares at $0.3976 Weighted-average price; trades ranged from $0.3850 to $0.4000

Key Terms

weighted average price, indirect ownership, Spousal Estate Reduction Trust

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.

indirect ownership financial

"Ownership type for these purchases is reported as indirect."

Spousal Estate Reduction Trust financial

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

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

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/07/2026 - 06:51 PM Accepted by SEC EDGAR 08/07/2026 - 06:50 PM Learn about SEC filing dates

FAQ

What insider transaction did APCX director Albert L. Lord report?

Albert L. Lord reported buying 60,000 shares of AppTech Payments Corp. common stock over three days. The purchases occurred on August 5, 6, and 7, 2026, and were executed indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust.

At what prices were the APCX shares purchased in this Form 4?

The reported weighted-average prices were $0.3945, $0.3986, and $0.3976 per share. Footnotes state each day’s trades were executed in multiple transactions within ranges between $0.3850 and $0.4000 per share.

How many APCX shares did the trust associated with Albert L. Lord buy?

The trust associated with Albert L. Lord purchased 60,000 common shares of AppTech Payments Corp. The purchases were split evenly across three dates, with 20,000 shares reported on each of August 5, 6, and 7, 2026.

Were Albert L. Lord’s APCX purchases made directly or indirectly?

The reported APCX purchases were made indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The Form 4 classifies ownership for these transactions as indirect, with the trust listed as the nature of ownership for all 60,000 acquired shares.

Does the APCX Form 4 indicate these trades were under a 10b5-1 plan?

The Form 4’s Rule 10b5-1 checkbox is not marked as affirming a trading plan. The footnotes describe weighted-average pricing and trade ranges but do not state that the purchases occurred pursuant to a Rule 10b5-1 trading arrangement.

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)
08/05/2026

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)

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	08/05/2026		P		20,000	A	$0.3945(1)	1,060,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/06/2026		P		20,000	A	$0.3986(2)	1,080,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/07/2026		P		20,000	A	$0.3976(3)	1,100,000	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 $0.3850 to $0.4000, 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.

2. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3950 to $0.4000, 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 2 to this Form 4.

3. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3850 to $0.4000, 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 3 to this Form 4.

	/s/ Albert L. Lord	08/07/2026
	** 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)