AppTech director buys 60,000 shares near $0.36

A director of AppTech Payments Corp. indirectly bought 60,000 APCX shares over three days via a spousal estate reduction trust in early September 2026.

Rhea-AI Filing Summary

AppTech Payments Corp. (APCX) director Albert L. Lord reported a series of indirect open-market purchases of Common Stock made through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. On September 1, 2, and 3, 2026, the trust purchased 20,000 shares each day, totaling 60,000 shares, at weighted average prices of $0.3538, $0.3583, and $0.3570 per share, respectively. Footnotes state these prices are weighted averages for multiple trades within daily ranges between $0.33 and $0.3693. No Rule 10b5-1 trading plan is reported.

Insider Trade Summary

Net Buyer: 60,000 shares

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 60,000 shs ($21K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F3	20,000	$0.357	$7K
Purchase	Common Stock F2	20,000	$0.3583	$7K
Purchase	Common Stock F1	20,000	$0.3538	$7K

Holdings After Transaction: Common Stock — 1,460,000 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 $0.35 to $0.3693, 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 $0.335 to $0.36, 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 $0.33 to $0.36, 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 Shares purchased per day: 20,000 shares Weighted average price on September 1, 2026: $0.3538 per share +5 more

8 metrics

Total shares purchased 60,000 shares Aggregate non-derivative Common Stock purchases reported in this Form 4

Shares purchased per day 20,000 shares Each of September 1, 2, and 3, 2026

Weighted average price on September 1, 2026 $0.3538 per share Common Stock purchased indirectly by the trust

Weighted average price on September 2, 2026 $0.3583 per share Common Stock purchased indirectly by the trust

Weighted average price on September 3, 2026 $0.3570 per share Common Stock purchased indirectly by the trust

Daily price range September 1, 2026 $0.33–$0.36 Range of prices for trades included in the weighted average

Daily price range September 2, 2026 $0.335–$0.36 Range of prices for trades included in the weighted average

Daily price range September 3, 2026 $0.35–$0.3693 Range of prices for trades included in the weighted average

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

"The transactions are reported as indirect ownership through the trust."

Spousal Estate Reduction Trust financial

"Suzanne D. Lord 2025 Spousal Estate Reduction Trust"

FAQ

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

What insider transactions did APCX report for director Albert L. Lord?

The filing reports that an entity associated with director Albert L. Lord bought 60,000 shares of AppTech Payments Corp. Common Stock over three days, in three blocks of 20,000 shares each on September 1, 2, and 3, 2026, in open-market or private transactions.

At what prices were the recent APCX insider share purchases made?

The trust’s purchases used weighted average prices of $0.3538 on September 1, $0.3583 on September 2, and $0.3570 on September 3, 2026. Footnotes explain each is a weighted average price for multiple trades executed within specified daily price ranges.

Who actually holds the APCX shares bought in this Form 4?

The shares are held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The transactions are reported as indirect ownership, meaning the trust, not the director personally, is the direct holder of the purchased Common Stock.

How many APCX shares in total were purchased in this reporting period?

Across three reported transactions, the trust purchased a total of 60,000 shares of AppTech Payments Corp. Common Stock: 20,000 shares each on September 1, 2, and 3, 2026, according to the Form 4 transaction summary data.

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

No. The filing indicates no Rule 10b5-1 plan is reported, and there are no footnotes stating that these transactions were made pursuant to a pre-arranged trading plan under Rule 10b5-1.

What price ranges did the APCX insider trades cover on each day?

Footnotes state the September 1, 2026 trades occurred between $0.33 and $0.36; September 2 trades between $0.335 and $0.36; and September 3 trades between $0.35 and $0.3693, with the reported prices representing weighted averages over those multiple transactions.

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 09/03/2026 - 05:03 PM Accepted by SEC EDGAR 09/03/2026 - 04:54 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.

5050 AVENIDA ENCINAS, SUITE 120

(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)
09/01/2026

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	09/01/2026		P		20,000	A	$0.3538(1)	1,420,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	09/02/2026		P		20,000	A	$0.3583(2)	1,440,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	09/03/2026		P		20,000	A	$0.357(3)	1,460,000	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 $0.35 to $0.3693, 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 $0.335 to $0.36, 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 $0.33 to $0.36, 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	09/03/2026
	** 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)