AppTech Payments (formerly known as Health Express USA, CSI Business, Natural Nutrition, AppTech) is a company that provides electronic payment processing technologies and merchant services. It specializes in credit card processing, ACH (automated clearing house) processing, gift and loyalty cards, and e-commerce. In addition, the company develops a two-way text chat platform that enables secure SMS services including mobile payments, notifications, authentication, marketing, information queries, and reporting.