Last updated: 13 March 2026 | Change log
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.
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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.
Below is a common APM redirect flow when using the APMs service.