Relationship-based payment processing for every sector. Banks, associations, POS platforms, developers, reps, and merchants — built on transparency, not call centers.
Whether you're a community bank, trade association, software platform, developer, or independent rep — APL has a program built around your needs.
Sustainable non-interest income through a transparent 70/30 revenue share and U.S.-based support that reflects your institution's values.
Turn a cost center into a strategic revenue engine while protecting your members from predatory fee structures.
Multi-network infrastructure, revenue sharing, and embedded payments that reduce churn and deepen user retention.
Free sandbox, full SDK access, and real humans who translate complex compliance into plain, actionable language.
70% net residual share, NDA-protected relationships, and a discrete W9-free option for experienced payment professionals.
Human-led PCI compliance guidance — no automated threat emails, no predatory fees. Real experts, real results.
APL was built on a simple belief: payment processing works best when it's rooted in real relationships — not automated systems and opaque fee structures that erode the trust you've built with your customers.
Contact our team to discuss a partnership structure designed for your organization.
Strengthening the bond between your bank and your business customers — with sustainable non-interest income, complete transparency, and service that reflects your institution's values.
APL partners with community and regional banks to deliver a merchant services program that feels like a natural extension of your team — not a generic third-party vendor.
Your bank receives 70% of all net residuals from your merchant base. Fully transparent monthly reporting — you see every merchant, every transaction, every dollar. No black boxes.
No overseas call centers. Your business customers reach real, knowledgeable people who understand community banking relationships and represent your bank's values on every call.
Business customers who receive excellent merchant services from their bank stay. APL helps you protect core banking relationships by delivering superior in-house merchant services.
The APL bank program is built on a simple, sustainable model. We share 70% of all net residuals directly with your institution on a monthly basis — no surprises, no holdbacks, no fine print.
Revenue Split Model
Let's build a merchant services program your business customers will love — and your bank will profit from.
Turning a cost center into a strategic growth engine — while genuinely protecting your members from the hidden fees and predatory practices that have long plagued merchant services.
Trade associations face a unique challenge: your mission is to serve members, but serving them well requires funding. The APL association program solves both problems simultaneously.
Generate reliable, recurring revenue streams to fund advocacy, continuing education, legislative efforts, and member programs — without raising dues or pursuing grants.
Your association earns a meaningful percentage of every transaction processed by your member businesses. The more they process, the more your organization earns — automatically, every month.
Protect your members from hidden fees and aggressive "non-compliance" penalty schemes that are endemic in the industry. Many processors bill merchants $30–$50/month for PCI non-compliance without ever providing a path to compliance.
APL provides genuine compliance guidance and eliminates predatory fee structures — making your endorsement something members can trust and value.
APL works with your association to create a branded merchant services program your members genuinely want — because the rates are fair, the service is real, and your organization benefits directly.
Member Program Flow
Your organization officially endorses APL's merchant program to your member businesses, branded under your name.
Member businesses apply for preferred-rate merchant services through your association's branded program page.
Residuals from all member transactions are split and reported to your association leadership with full transparency.
Here's what your members are likely paying at a typical processor today — and how the APL association program compares.
| Fee Type | Typical Processor | APL Association Program |
|---|---|---|
| PCI Non-Compliance Fee | $30–$50/month | $0 — Human-Guided Compliance |
| Annual Membership Fee | $99–$149/year | Waived for members |
| Monthly Statement Fee | $9.95/month | Included |
| Support Channel | Overseas Call Center | U.S.-Based Specialists |
| Revenue to Association | $0 | Meaningful Monthly Share |
Contact APL to learn what a custom association program could generate for your organization annually.
Revenue sharing, multi-network infrastructure, and technical reliability for software platforms ready to embed payments the right way.
Stop managing three separate processor relationships. APL gives your platform access to Worldpay, TSYS, and Fiserv through a single technical and commercial partnership — with a revenue share on every transaction your users generate.
Access Worldpay, TSYS, and Fiserv processing networks through a single integration. We handle routing complexity and network relationships — your platform handles the user experience.
Embedded payment solutions create meaningful switching costs. Merchants who pay through your platform are far less likely to leave — making payments a retention engine, not just a revenue line.
Your platform earns a revenue share on every transaction processed by your users. A significant, recurring income stream that scales directly with your user base as you grow.
APL is not a reseller stacking margins on top of a reseller. We maintain direct relationships with the top three U.S. processing networks — fewer failure points, better economics, and real human escalation paths when something goes wrong.
Network Access via APL
Contact APL to discuss revenue share models and integration options tailored to your software platform.
Built by developers, for developers. Free sandbox access, full SDK, and real humans who actually understand what you're integrating — not documentation portals and auto-reply tickets.
Integration time is money. APL gives developers the tools to build quickly and the support infrastructure to ship with confidence.
Full access to testing environments at zero cost. Our sandbox mirrors production behavior exactly so you can validate your integration before it touches real transactions.
No drawn-out approval process — request access today and receive credentials the same business day. SDK available for common stacks.
Payment compliance is notoriously complex. APL translates PCI DSS requirements, network-specific processing rules, and compliance logic into plain, actionable language your engineering team can actually use.
You get a real person on the phone — not a search box in a documentation portal.
Clean, well-documented endpoints for payment processing, reporting, and merchant management. Standard authentication patterns, expected response formats, and the support to back them up.
Email partnership@aplpartner.com and get a reply from someone who has actually read the API documentation — same business day, every time.
For urgent integration blockers, escalate directly to a technical team member by phone. No queued callback systems, no offshore routing.
When PCI DSS requirements are blocking your go-live, we walk your team through the specific obligations in plain language with concrete, actionable solutions.
Request sandbox credentials and get your integration moving within 24 hours.
Confidential partnerships with generous payout models designed for experienced payment professionals who deserve a better home for their deals.
Whether you're a full-time independent agent or someone placing the occasional deal while in another role, APL has a partnership structure that protects your interests and maximizes your income.
The most aggressive residual split available. Experienced reps looking for a long-term home for their merchant portfolio earn 70% of all net residuals — paid monthly, every month, with full line-item transparency.
For those who need a truly discrete referral relationship. The 40% No-W9 model lets you refer merchants and receive compensation without a formal 1099 reporting relationship with APL.
Every rep relationship at APL is protected by mutual NDA before we exchange a single detail. Your partnership with APL never jeopardizes your current role, existing processor relationships, or your merchants.
APL was built by people who've been in the field. We understand the frustrations — processors who cut splits without notice, opaque residual reports, and ISO agreements that feel designed to trap rather than reward the people generating volume.
Residual Split Comparison
All inquiries are protected by NDA before we exchange a single detail. Reach out today.
Real people, not automated threat emails. APL provides human-led PCI compliance support that helps your merchants stay compliant — without the predatory fee structures that have made "PCI compliance" a dirty phrase in our industry.
Most processors have turned PCI compliance into a recurring revenue line — billing merchants $30–$50/month in "non-compliance" fees, often without ever providing the tools or guidance to actually achieve compliance.
APL does not use PCI compliance as a revenue source. We provide genuine compliance guidance, not automated monthly billing for non-compliance that is never actually resolved.
Merchants in the APL program receive real support — SAQ questionnaire assistance, vulnerability scan guidance, and step-by-step remediation — not a monthly fee and a form letter.
When a merchant needs PCI help, they reach a real person who understands their business type and can walk them through exactly what is required. Not a bot, not an automated email chain, not a ticket queue.
This is especially critical for small merchants navigating a PCI Self-Assessment Questionnaire for the first time — where the wrong guidance leads to months of unnecessary fees.
PCI DSS 4.0 became the only active standard in March 2025. It introduced significant new requirements that affect virtually every merchant category. APL helps your merchants understand what changed and what they must do to achieve and maintain compliance under the updated framework.
APL PCI Compliance Journey
We identify which Self-Assessment Questionnaire type applies to the merchant's specific business model and card acceptance method.
For merchants requiring ASV scans, we identify approved vendors and walk them through the entire scanning and remediation process.
We guide merchants to successful submission and actively follow up each year to ensure ongoing compliance — not just year one.
PCI non-compliance exposes merchants to serious financial and operational risk — well beyond just the monthly fee their processor is charging them.
Non-compliant merchants may bear full liability for cardholder data breaches, including card brand fines, forensic investigation costs, and card reissuance fees that can reach tens of thousands of dollars or more.
Most merchant processing agreements contractually require PCI compliance. Non-compliance can trigger account termination, reserve holds, or immediate suspension at the processor's sole discretion.
Most processors charge $30–$50/month in non-compliance fees indefinitely — frequently without ever providing the tools, guidance, or support to help merchants actually achieve compliance.
Contact APL for a consultation on how we approach PCI compliance differently for banks, associations, and merchant portfolios.