AppTech Payments Corp.

Item 1.01 Entry into a Material Definitive Agreement. On July 17, 2026, AppTech Payments Corp. (the “Company”) entered into a Promissory Note (the “Note”) with the Suzanne D. Lord Spousal Estate Reduction Trust dated January 17, 2025 (the “Lender”), pursuant to which the Lender agreed to lend the Company $500,000.00 for short-term working capital and general corporate purposes. The Note bears interest at a rate of 9.0% per annum and matures ninety (90) days from issuance. No payments of principal or interest are required prior to the maturity date. The Company may prepay the Note at any time without premium or penalty, provided accrued interest through the date of payment is also paid. The Note contains customary events of default, including the Company’s failure to repay amounts due at maturity, certain bankruptcy or insolvency events, and certain uncured material breaches. Upon an event of default, the lender may declare all outstanding principal and accrued interest immediately due and payable. The foregoing description of the Note does not purport to be complete and is qualified in its entirety by reference to the Promissory Note, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference. Related Person Transaction Albert L. Lord, Jr., the Chairman of the Company’s Board of Directors, serves as trustee of the Suzanne D. Lord Spousal Estate Reduction Trust, the lender under the Note. Accordingly, the Company considers the transaction to be a related person transaction under Item 404(a) of Regulation S-K. The Company’s Board of Directors approved the transaction in accordance with the Company’s related person transaction policies.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.