Alternative Payment Methods

Credit Card Processing for High‑Risk Merchants service page image

Offer the local wallets and bank‑pay options customers already trust to lift conversions, cut checkout friction, and lower costs versus cards in many markets. This page outlines supported methods, how they work, and what’s required to go live.

What You Get

APMs are tailored to regional preferences—wallets, bank redirects, BNPL, and QR flows—delivered through one integration and unified reconciliation so finance teams stay in control.

Who We Support

APMs excel where local trust and familiarity drive purchase decisions, and where card acceptance or fees limit growth.

India/SE Asia

UPI, PayTM, PhonePe, GPay; high adoption for everyday purchases.

China

Alipay and WeChat Pay for cross‑border tourists and domestic buyers.

EU/UK

iDEAL, Sofort, Bancontact, Open Banking A2A for lower fees and SCA by default.

MENA/EU BNPL

Klarna, Afterpay, Tabby, Tamara to boost AOV and approval rates.

How It Works

Choose methods per market, integrate once, and let intelligent routing display the best options by user locale—keeping UX fast and compliant.

How it works graphic representation

Pricing & Fees

APMs typically carry lower acceptance costs than cards. Pricing is per method and may include FX/payout fees; enterprise volumes may qualify for tiers. BNPL and some wallets include additional merchant terms.

Security & Compliance

Methods inherit native authentication (SCA/OTP, device trust) and minimize card data exposure. Dispute models differ by rail; you’ll get rail‑specific refund/chargeback workflows, audit logs, and strong encryption throughout.

Results You Can Expect

Get A Free Quotes

Frequently Asked Question

Which APMs should I enable first?

Start with methods that dominate your target markets (e.g., UPI in India, iDEAL in NL, Alipay/WeChat Pay for Chinese buyers); expand based on adoption data.

Do APMs support refunds and partial refunds?

Yes—subject to each rail’s rules and time windows. Refunds and partials are initiated from the dashboard or API.

Can APMs handle subscriptions?

Some wallets and bank‑pay rails support mandates/recurring; where unsupported, pair with ACH/Open Banking or cards for renewals.

How are settlements handled?

Funds settle per method’s payout schedule; you’ll see unified reports and references for reconciliation.
Connect With Us

Offer Local Ways to Pay

Credit Card Processing CTA image

Get a market‑method plan, integration steps, and settlement options within 24 hours.