**Last updated**: 13 March 2026 | [**Change log**](/access/products/apms/changelog/)

# Alternative Payment Methods (APMs)

## What are APMs?

APMs are payment options that are not cash or credit/ debit cards issued by a major bank. These options include eWallets, bank transfers, direct debits, local card schemes, Postpay and eInvoice/ Buy Now Pay Later.

In many regions APMs make up a large part of the ecom payment landscape. To fully support these regions and your customers' payment habits, providing APMs can be key.

## Get started

Ready to integrate? Use our [API reference](/access/products/apms/openapi) and set your headers.

### What APMs do we offer?

ACH/eCheck
Direct debit for US based merchants.

Alipay China
A Chinese digital wallet.

AlipayHK
A popular digital wallet used in Hong Kong.

Alipay+
A cross-border payment solution that connects digital wallets across Asia and globally.

BANCOMAT Pay
An Italian mobile payment method.

Bancontact
A Belgian electronic payment solution.

Bizum
A Spanish mobile payment system.

BLIK
A Polish in store or online payment method.

EFT
Direct debit for Canada based merchants.

Euteller
A Finnish real-time bank transfer.

iDEAL
An online bank transfer in the Netherlands.

Klarna
A global "Buy Now, Pay Later" payment method.

Konbini
A Japanese payment method.

Multibanco
An interbank network in Portugal.

MyBank
An Italian real-time online bank transfer.

Open Banking
A secure and globally accepted bank to bank payment solution.

PayPal
A global online payment method.

PaysafeCard
A global pre-paid, cash-based online payment method.

Pix
A Brazilian instant payment method.

Przelewy24
A Polish bank transfer.

SafetyPay
A South American non-card payment solution.

SEPA Direct Debit
A European direct debit.

Swish
A Swedish mobile payment method.

Trustly
Online bank transfers in Europe.

UnionPay
On version 2023-06-01.

WeChat Pay
A mobile payment and digital wallet service in China.

### APM flow

Below is a common APM redirect flow when using the APMs service.


```mermaid

sequenceDiagram
    participant Customer
    participant Merchant
    participant Worldpay
    participant PSP
    Customer->>Merchant: Selects the payment method
    Merchant->>Worldpay: Sends request to create a payment 
    Worldpay->>PSP: Validates request and sends to create a payment
    PSP->>Worldpay: Generates and responds with paymentId
    Worldpay->>Merchant: Responds with paymentId and redirect link
    Merchant->>Customer: Redirects your customer to complete the payment
    Customer->>PSP: Completes payment
    PSP->>Customer: Redirects your customer depending on payment status
```