Company

We're building the intelligence layer payments has been missing

Apex was founded by payment operators and ML engineers who watched businesses lose revenue to problems their processors couldn't see.

Our mission

Make every transaction smarter

Payments is a high-stakes, low-visibility system. A point of approval rate or a few basis points of cost compounds into millions. Apex puts a payment-trained AI engine on top of your existing stack so those gains stop slipping away.

We're independent by design — processor- and network-neutral — so the guidance you get follows your data, not someone's incentive.

Values

What we optimize for

Outcomes over dashboards

A prettier chart isn't the point. Approval rate up, cost down — measured against baseline.

Independent by design

No processor kickbacks, no spin. Our only incentive is your performance.

Domain depth

We go deep on payments — decline codes, scheme rules, interchange — so our models do too.

Leadership

Experience across payments, technology and enterprise growth

Our leadership team brings together experience in payment infrastructure, AI/ML and enterprise B2B go-to-market.

Wilson Qiu

Wilson Qiu

Co-Founder & CEO
  • Previously at Ant International, leading its U.S. product team
  • 8+ years of experience building global payment infrastructure for enterprises
  • Northwestern University
David Guo

David Guo

Co-Founder & CTO
  • Previously at Ant International, leading 0→1 payment innovation initiatives
  • AI/ML practitioner and strategist in payments
  • UC Berkeley
Steven Wang

Steven Wang

Chief Revenue Officer
  • Previously at Microsoft
  • 8+ years of experience in B2B go-to-market for enterprises
  • Northwestern University

Come build the engine with us

We're hiring across ML, engineering, payments, and go-to-market.