Phone: 215-631-2871    –    Email:
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Our Mission Is …

To help
local businesses do more
business in less time and
keep more of the profit!

Start Saving Today




A point-of-sale system
designed to make
things easy

Clover POS system makes running your business a breeze. Take orders and accept payments. Organize inventory and manage your team. Grow your customer base. All at the tip of your fingers.

What Sets APO Apart ?

– You work directly with Kelly

– Best Contactless Options

– New state-of-the-art equipment & Free Supplies


– Next day funding

– Lowest rates around

– USA-owned and operated company


– Free no obligation statement review

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Apply Now

Kelly has all the payment options available!

• In Store machine to swipe
• On-the-go mobile processing
• Ecommerce on your website with App
• Virtual contactless payments
• Point of Sale Options
• Invoicing options

APO Custom Programs

APO Traditional Program Our traditional interchange-based pricing with low transaction charges.

APO Cash Discount Program This program sets you up for a Cash Discount! Your customers pay 4% at checkout when using any credit card, and you do not accrue fees at the end of the month!!!

Put more of the profit back in your pocket!!!

APO Ecommerce Program This program allows you to accept credit cards on your website at the lowest rate around.

APO Invoicing Program Dashboard allows you to use a virtual terminal to email or text invoices where cardholders enter their own card information on a PCI-compliant link!

Call Kelly Today!


Swipe with for that extra peace of mind that your money is in the right hands and you will always have exceptional customer service!

About Kelly Cusate

APO Payment Options is a better kind of credit card processing company, and we’re proving it one swipe at a time. Our mission is to help local shops do more business in less time and keep more of the profit. It’s that simple.

APO Payment Systems was founded by Kelly Cusate, who is available to assist you in finding the best payment system for your business. 

Call Kelly Today!

kelly cusate aboutme

Kelly Cusate

Kelly Cusate, is a Souderton, PA resident and has been in the merchant services industry since 2013. Kelly is a mother, aunt, friend, & business owner. As your local credit card girl, Kelly started in sales with Capital Direct Merchant Services, learned the business, then went onto Start a sister company, X2 Payment Systems, where we trained and built the business till today!

Now I started Advanced Payment Options, and just like the name, APO has All the Options! I am responsible for the day-to-day management of APO. Kelly helps local merchants do more business in less time and keep more of the profit. An experienced manager and merchant services professional, Kelly prides herself on 100% merchant satisfaction.




Clients Testimonials

C W and Sons Electrical Heating and Air Conditioning, Inc.
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Carl W Gerstlauer

I want to give Kelly Cusate a quick Testimonial about her Customer Service. I have been using Kelly for my Credit Card Processing for over 8 Years. She always answers my call when I am having any Issues with my Point of Sales. It doesn’t matter if it is Night or Weekend She is there to help solve the Issue. Her Rates are the best in the Industry that I have been able to Find.

7 Days Ago
AULT Signature Homes
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Dave Ault

We have worked with Kelly for many years and could not be happier with her professionalism. She displays the highest levels of customer
service and attention to detail that we strive for. Kelly always goes above & beyond to eliminate any frustrations of payment processing.

Golden Scissors

We have worked with Kelly for the past few years and have nothing but good things to say! Always has gotten us the cheapest rates and is very timely on getting us our supplies! We can call or text her at any time of day and she responds right away! Very satisfied with Kelly!


New Customers

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    Are cloud-based Point of Sale systems the best option?

    Put in your menu and customer database once, and it will
    be able to go on any hardware with a simple sign-in!

    Call Kelly Today!

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    Contact Us

    Phone: 215-631-2871


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