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Last Updated: 01 October 2025 | Change Log

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.

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What APMs do we offer?

APM flow

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

CustomerMerchantWorldpayPSPSelects the payment methodSends request to create a paymentValidates request and sends to create a paymentGenerates and responds with paymentIdResponds with paymentId and redirect linkRedirects your customer to complete the paymentCompletes paymentRedirects your customer depending on payment statusCustomerMerchantWorldpayPSP