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About Lucrotec's Advanced APeX Technology

Why Lucrotec's Automated Payment Exchange (APeX) is Superior!

Supplier Friendly Payments

Lucrotec’s supplier friendly process uses technology to determine your supplier’s current capability and preferences for receiving digital payments. By matching each supplier’s preferences and capabilities, we meet suppliers where they are today. For suppliers, there are no forms to fill out, no process changes, and no e-mails and phone calls asking them to enroll in yet another program. The result: increased card acceptance, decreased supplier headaches, and improved supplier relationships.

Robotic Process Automation

APeX PRA is unique in the payments industry. Suppliers want to be paid how they are set up today and simply ignore repeated e-mails, faxes and phone calls to enroll in yet another card program. That’s a major reason why most card programs have very low supplier acceptance rates. RPA enables APeX to pay suppliers using the payment method they already accept. Whether that's interactive voice response (IVR), web portals, or another preferred payment method, APeX automation can handle it.

Treasury Friendly Processes

Treasury teams are busy enough. When we built APeX, automating treasury related tasks was top of mind. From automating bank account reconciliation to flexible file transfer or integration, Lucrotec unburdens treasury from repetitive tactical tasks. Treasury is not just another box to check. We understand that both treasury and AP own the supplier payment process. We engage early with treasury and provide them with flexible banking options, straightforward processes, and reduced payments risks.

Certified and Secure

Lucrotec is enterprise grade — with the certifications, physical and virtual security, procedures, and documentation that you would expect from a financial services provider. Hosted on AWS (SSAE, PCI, ISO, FISMA, FedRAMP, GDPR certifications), Lucrotec is SSAE, PCI and ISO 27001 certified. We expect a robust review process with your security, fraud, and risk teams and embrace the rigor of working with large enterprises.

Machine Learning (ML)

Machine learning is the new buzz phrase, but that does not mean its applications aren't powerful. While we don’t build self-driving vehicles or cure disease, we use lightweight machine learning to make payments better. Proprietary algorithms use over 20 variables to make decisions about payment types, amounts, timing, routing, and acceptance. These variables are updated with new information in real-time and APeX continuously “learns” to optimize results.

Visibility & Accountability

APeX provides new insights into supplier payments delivering real-time status of payments regardless of method, and details of card program rebates. Online dashboards provide 24/7/365 access to supplier level information: supplier card acceptance levels, payment status, rebate amounts and much more. The result is increased transparency, accountability and insight into payments, suppliers, and program effectiveness.

Payment Analytics for a New Level of Operational Awareness

Lucrotec’s APeX software provides comprehensive analytic dashboards that provide users with a new level of awareness about their payments, their suppliers, and the improved cash back revenues they receive.

Online analytic dashboards allow users to explore their payments across a wide range of criteria and data categories. With interactive drill-down data visualizations, payment details can be explored to reveal new levels of understanding and insight.

Lucrotec Revenue Dashboard
Lucrotec Revenue Dashboard
Lucrotec Enrollment Dashboard
Lucrotec Enrollment Dashboard
Rebate Comparison
Rebate Comparison Dashboard

How it Works


Lucrotec’s technology platform leverages advanced technology to determine how your supplier currently receives digital payments and which method and routing they prefer. It then selects the most financially beneficial combination of payment method and routing for each payment and completes the payment for you. Payment options including ACH, v-cards, ghost cards, and wires —using checks only when circumstances dictate. In all cases, detailed payment information is captured and delivered back to your ERP ensuring effortless reconciliation and unprecedented payment awareness.

Lucrotec's payment solution requires no changes to your current A/P process or ERP tools. For your suppliers, there are no forms to fill out, or changes to terms or rates. Best of all, Lucrotec’s payment service has no OPEX or CAPEX expense. We simply keep a fraction of the card rebates and the rest drives increased client profitability.

APeX Technology Facts

Here are a few of the reasons why APeX technology, deployed on an AWS network, is acclaimed by clients as the most secure, reliable, and effective solution yet:

  • AI-driven optimization of credit card rebates

  • Robotic Process Automation (RPA) reduces manual tasks

  • Business intelligence dashboards optimize visibility and awareness

  • End-to-end customer data encryption (transmission to database)

  • Secure multi-factor authentication and access controls

  • Daily data backups stored on AWS S3

  • Multiple U.S. data centers provide geographic diversity and multi-site redundancy

APeX Standards Compliance

APeX processes and hosting deliver high levels of regulatory compliance for organizations of all sizes, across all industries.

Certification Logos 2
  • SSAE18

    Lucrotec's banking network is SSAE 18 compliant, ensuring detailed controls and effective operation of those controls.

  • Payment Card Industry Data Security Standard (PCIDSS)

    Lucrotec's secure data hosting has been validated to comply with the PCI Data Security Standards.

  • GDPR Compliance

    While Lucrotec does not handle personally identifiable information, our hosting service complies with GDPR requirements.

  • FDIC Insured

    All deposits are insured by the Federal Deposit Insurance Corporation. 

Get Started Now!

Request a no-cost evaluation of the cash back potential you and your clients can experience.



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