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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.

Authoritative resources (outbound):

Telegram Payments in iGaming: How a €300K Case Scaled Successfully

Telegram payments flowchart showing cards, crypto, and APMs processed through a Telegram bot to the merchant.
iGaming Payment Insights, Merchant Payment Solutions /

Telegram payments are becoming a critical growth driver for iGaming merchants. With over 900 million monthly users worldwide [Statista], Telegram has evolved from a simple messenger into a powerful ecosystem for commerce, payments, and even regulated industries like iGaming. Recently, a European iGaming merchant approached WiseAlt with a challenge. Their project was running entirely in Telegram, generating more than €300,000 per month in deposits, but payment acceptance was unstable.

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