AppTech Payments Corp.

Item 1.01. Entry into a Material Definitive Agreement. On September 29, 2026, AppTech Payments Corp. (the “Company”) entered into a Securities Purchase Agreement (the “Purchase Agreement”) with GS Capital Partners, LLC (“GS Capital”), pursuant to which the Company issued (i) a promissory note in the aggregate principal amount of $560,000 (the “Note” and together with the Purchase Agreement, the “Transaction Documents”), and (ii) 80,000 shares of the Company's common stock, $0.001 par value per share (the “Common Stock”), to GS Capital. The Note was issued with an original issue discount of $55,000, resulting in gross proceeds to the Company of $505,000 before deducting transaction expenses. The Note bears interest at a rate of 10% per annum and matures on November 28, 2027, unless earlier converted or repaid in accordance with its terms. Principal payments are to be made in six (6) principal payments of $87,000 each, commencing on the 180th day following the Issue Date and continuing every thirty (30) days for five (5) months thereafter, with the final payment of principal and interest due on the maturity date. The Note may be prepaid in whole or in part without penalty. The Note is convertible at the option of GS Capital into shares of Common Stock at a fixed conversion price of $2.00 per share, subject to adjustment as set forth in the Note. In the event of default, the conversion price will be 80% of the lowest VWAP of the Common Stock during the ten (10) trading days prior to the conversion date, representing a 20% discount. The Note contains a beneficial ownership limitation of 4.99%. The Company is required to reserve from its authorized and unissued Common Stock a number of shares sufficient to permit the full conversion of the Note, as described in the Note. The Note contains customary events of default, including, but not limited to, failure to pay principal or interest when due, failure to issue shares upon conversion, breaches of covenants or representations, bankruptcy or insolvency events, and certain other events as described in the Note. Upon an event of default, the outstanding principal amount of the Note, plus accrued interest and any other amounts due, may become immediately due and payable at the option of GS Capital, and the Company may be required to pay a default amount equal to 150% of the outstanding principal and accrued interest, plus any other amounts owed under the Note. The Note also provides for liquidated damages in the event of failure to deliver shares upon conversion. The Purchase Agreement contains customary representations, warranties, and covenants of the Company and GS Capital, including, among other things, restrictions on certain corporate actions without GS Capital’s consent, and indemnification provisions. The foregoing descriptions of the Purchase Agreement and the Note do not purport to be complete and are qualified in their entirety by reference to the full text of such documents, which are filed as exhibits to this Current Report on Form 8-K and are incorporated herein by reference. The representations, warranties, and covenants contained in such agreements were made solely for the purposes of such agreements and as of specific dates, were intended to be solely for the benefit of the parties to such agreements, and may be subject to limitations agreed upon by the contracting parties.

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 with respect to the Transaction Documents above of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.

Item 3.02. Unregistered Sales of Equity Securities. The information set forth under Item 1.01 above of this Current Report on Form 8-K with respect to the Transaction Documents is incorporated by reference into this Item 3.02. The Note and the shares of Common Stock issuable upon conversion of the Note, and the shares of Common Stock issued pursuant to the Purchase Agreement, have not been registered under the Securities Act of 1933, as amended (the “Securities Act”), or applicable state securities laws, and were offered and sold in reliance upon the exemption from registration provided by Section 4(a)(2) of the Securities Act and Rule 506(b) of Regulation D promulgated thereunder. Item 9.01. Financial Statements and Exhibits. (d) Exhibits The following exhibits are filed with this Current Report on Form 8-K: Exhibit No. Description ───────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────── 10.1 Securities Purchase Agreement, dated September 29, 2026, by and between AppTech Payments Corp. and GS Capital Partners, LLC. 10.2 Promissory Note, dated September 29, 2026, issued by AppTech Payments Corp. to GS Capital Partners, LLC. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)