§ 01
Home Services
HVAC · Plumbing · Electrical · Roofing
On a $12,000 furnace install, surcharging recovers $360.
~3%
Recovered on credit volume
Industries · IndexWho we serve — and why these5 verticals
Industries we serve
We go narrow on purpose.
Apex doesn’t sell payments to everyone. We specialize in owner-operator verticals where the decision-maker answers their own phone, where credit cards make up the majority of revenue, and where a compliant surcharge program moves real margin back into the business.
Why these five
- 01Cash-pay or near-cash. No insurance intermediaries.
- 02One decision-maker — owner, operator, or practice lead.
- 03Margin math where 3% is not a rounding error.
§ 01Vertical briefs
Five briefs. One program architecture.
Each brief covers the economics specific to the vertical, the three line items we see leaking on every statement, the program we set up, and an illustrative composite recovery.
- § 02
Food & Hospitality
Full-service · QSR · Bars · Cafes · Hotels
On a $300K month, surcharging keeps ~$7,200 in the till.
~3%
Of credit sales back to net
- § 03
Auto Repair & Accessories
Service bays · Tires · Audio · Custom · Body
Transmission rebuild at $4,800? That's $144 back, every job.
~3%
Of repair-order volume
- § 04
Med Spas
Injectables · Lasers · Body Contouring · Aesthetics
Cash-pay, 85% credit mix — surcharging was built for this.
~3%
Of treatment revenue recovered
- § 05
Health & Wellness Clinics
Chiropractic · PT · IV Therapy · Massage · Acupuncture
Package plans and memberships billed on card. Stop paying the 3%.
~3%
Of cash-pay volume recovered
§ 02Who we don’t serve
Narrow isn’t a limit. It’s a commitment.
We don’t pitch heavily regulated industries (insurance-billed medical, dental, or veterinary practices), long-sales-cycle B2B with multi-stakeholder approval chains, or verticals where surcharging is effectively prohibited by state law or by the dominant payment mechanic (government, utilities, parking).
If that’s you, we’ll tell you up front — and, where we can, point you to an operator who fits the need better than we do. Apex’s model depends on reaching the decision-maker, reading the statement, and going live in weeks. If the structure of your business makes any one of those three things impossible, the honest answer is that we’re the wrong fit.
§ 03If your vertical isn’t listed
Ask anyway. We’ll tell you honestly.
The calculator models any volume and mix. The contact form reaches a specialist directly. If we can’t help, we’ll say so in one sentence — no deck, no follow-up drip.