About APS 

“Building Partnerships Through Excellence in Customer Service”

Approval Payment Solutions offers a complete menu of electronic payment solutions to businesses of every size and type. We are a full service provider, offering an all-inclusive solution for the payment processing needs of any business. The senior management staff of APS has decades of credit card and check processing industry experience and we are very proud of our value-added programs.


APS enables merchants to accept credit and debit cards, EBT, gift cards, fleet cards and checks safely and efficiently. APS also provides ACH Transaction Clearing, Internet Processing and Prepaid Visa Gift Card Programs. Our Banks, Business Partners, Sales Agents and Merchants of all industry types find APS to be the answer to their respective needs in the payment processing arena.


As a mid-sized merchant payment processor, we firmly believe in providing clients the best products, services and pricing while ensuring industry integrity and trust through superior customer service. APS has an outstanding record of customer retention due to our years of focus on customer service and staying on top of competitive pricing.

Building Partnerships Through Excellence in Customer Service

Our Company

Approval Payment Solutions (APS) was founded in 1998 by Allan Noe as a credit card processing sales office registered with NPC. Since its inception, APS has been dedicated to the support of referral partners and banks, merchants, and its vastly growing sales channel.


2021. APS endorsed by North Carolina Banker’s Association

2021. APS endorsed by Illinois Banker’s Association.

2020. APS endorsed as FIS Community Bank Partner

2020. VIV boarded 500th client.

2020. APS endorsed by Banker’s Bank of Wisconsin

2020. APS completes 500th GovCard installation


2018. APS received its first GovCard endorsement

2018. APS initiated the Residual Buyback Program

2018. President, Allan Noe, was appointed to Global Payment’s Advisory Board.

2018. APS successfully negotiated agreement with FiServ.

2018. APS successfully completed its first ISV integration.

2018. APS successfully renegotiated FIS agreement.

2018. APS introduced its proprietary Texting Platform, Alyrt.

2018. APS successfully completed first Shared Services acquisition.

2017. APS renovated and moved into a 21,000sqft tech facility.

2017. APS introduced Income Hub.

2017. APS acquired interest in VIV.

2016. APS Initiated the Shared Services Model.

2016. APS released its white-labeled POS System, Anchorpoint.

2015. APS Introduced its proprietary gateway, APS Direct.

2015. APS brought PCI Compliance in-house.

2014. APS introduced it’s proprietary gift card program, APS Gift.

2014. APS successfully negotiated an agreement with Global Payments.

2013. APS introduced Residual Watchdog.

2012. APS was endorsed by the Indiana Banker’s Association.

2010. APS Introduced it’s proprietary CRM called Merchant Support Center (MAC).


2007. APS formed an Advisory Boar

2007. APS was endorsed by Pennsylvania Banker’s Association

2005. APS held it’s first annual Sales Summit

2004. APS introduced A-Leasing Solutions

2003. APS introduced Check Resultz

2001. APS initiated the Lead Generation Program


1999. President, Allan Noe, appointed to NPC/Vantiv Executive Board.

1998. APS was founded.

Our Mission

Our mission is to help our partners, sales channel, and merchants

Increase sales by providing the latest advances in payment processing and digital marketing solutions

Reduce costs by evaluating and updating current business practices

Mitigate risks by taking necessary steps to secure the business in the areas of payment processing and digital marketing.


Headquarters | Newburgh, IN

Regional Sales Offices

St. Louis, MO
Carbondale, IL
Lexington, KY
Harrisburg, PA
Houston, TX
Chicago, IL
Indianapolis, IN
Atlanta, GA
St. Petersburg, FL
Lynchburg, VA

Independent Sales Offices

North Dakota
New Mexico
South Dakota

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