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    <element id="apcx_USSmallBusinessAdministrationMember" name="USSmallBusinessAdministrationMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_UnsecuredNotePayable30YearMember" name="UnsecuredNotePayable30YearMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_AllNotesPayableMember" name="AllNotesPayableMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_PrivatePlacementTwoLendersMember" name="PrivatePlacementTwoLendersMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_RevenueParticipationLiabilityMember" name="RevenueParticipationLiabilityMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_Oct2025NotePayableMember" name="Oct2025NotePayableMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_InvestorAndBoardMemberMember" name="InvestorAndBoardMemberMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_FormerCEOMember" name="FormerCEOMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_BoardMemberFamilyMemberMember" name="BoardMemberFamilyMemberMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_MosesSingerLLPMember" name="MosesSingerLLPMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_RestrictedSharesMember" name="RestrictedSharesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_CertainExecutivesMember" name="CertainExecutivesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_FormerConsultantMember" name="FormerConsultantMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_EquityIncentivePlanMember" name="EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_CertainExecutiveOfficersMember" name="CertainExecutiveOfficersMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_CurrentBoardOfDirectorsMember" name="CurrentBoardOfDirectorsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_CertainMembersOfManagementTeamMember" name="CertainMembersOfManagementTeamMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_SalesMilestonesMember" name="SalesMilestonesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_NotesPayableRelatedPartyCurrent" name="NotesPayableRelatedPartyCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_NotesPayableRelatedPartyNoncurrent" name="NotesPayableRelatedPartyNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_NoncashDiscountOnIssuance" name="NoncashDiscountOnIssuance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_AssumptionOfNotePayableThroughIssuanceOfNoteReceivable" name="AssumptionOfNotePayableThroughIssuanceOfNoteReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_WarrantsIssuedWithConvertibleNotesPayable" name="WarrantsIssuedWithConvertibleNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_DisclosureRightOfUseAssetAbstract" name="DisclosureRightOfUseAssetAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_SetUpFeesPolicyPolicyTextBlock" name="SetUpFeesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_MonthlyPlatformAndTransactionBasedFeesPolicyTextBlock" name="MonthlyPlatformAndTransactionBasedFeesPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_MerchantProcessingServicesPolicyTextBlock" name="MerchantProcessingServicesPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_AccruedResidualsPolicyTextBlock" name="AccruedResidualsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_OtherCurrentAssetsLineItems" name="OtherCurrentAssetsLineItems" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_AccruedLiabilitiesLineItems" name="AccruedLiabilitiesLineItems" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_NotesPayableRelatedParty" name="NotesPayableRelatedParty" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledInPeriodWeightedAverageFairValuePerShare" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledInPeriodWeightedAverageFairValuePerShare" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExerciseInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExerciseInPeriodWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_ConvertibleNotesMember" name="ConvertibleNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="apcx_PromissoryNotesMember" name="PromissoryNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
