Last Updated: 19 February 2025 | Change Log

Alternative Payment Methods (APMs)

What are Alternative Payment Methods (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.

What are the benefits of APMs?

  • Increased global coverage
  • Choice and convenience for your customer
  • Reach of customers and markets you couldn't with just cards
  • Flexibility of payment options
  • A more versatile checkout experience
  • Potential reduction in payment friction
  • Increased customer retention

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Ready to integrate? Use our API Reference and set your headers.

What APMs do we offer?

We also offer the below APMs on our previous version:

US and Canadian APMs

APM flow

Below is common APM redirect flow when using the APM 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