**Last updated**: 17 November 2025 | [**Change log**](/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](/products/apms/openapi) and set your headers.

### What APMs do we offer?

ACH/eCheck
Alipay China
Pilot ready

AlipayHK
Alipay+
Pilot ready

Bancontact
Bizum
Pilot ready

BLIK
EFT
Euteller
iDEAL
Klarna
Konbini
Multibanco
MyBank
Open Banking
OXXO
Coming soon

PayPal
PaysafeCard
Pix
Pilot ready

Przelewy24
SafetyPay
SEPA Direct Debit
Trustly
UnionPay
On version 2023-06-01

WeChat Pay
### 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
```