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APM (Alternative Payment Methods)

APM (Alternative Payment Methods) are non-card rails that sit alongside (or instead of) traditional cards and wire transfers. They include real-time schemes (UPI, Pix), e-wallets (PayPal, Alipay, WeChat Pay), BNPL (Klarna, Afterpay), direct debit, and cash vouchers (OXXO).
Why use APMs vs. traditional methods? Better local reach and trust, higher approval rates in domestic markets, lower chargeback exposure for push payments, and often lower costs. For high-risk verticals (iGaming, FX/CFD, adult, crypto), APMs can diversify acceptance when cards are restricted—yet policies vary by method and PSP, so compliance screening and permitted-use checks are essential.

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