**Last updated**: 10 February 2026 | [**Change log**](/access/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](/access/products/apms/openapi) and set your headers.

### What APMs do we offer?

ACH/eCheck
Alipay China
AlipayHK
Alipay+
Bancontact
Bizum
BLIK
EFT
Euteller
iDEAL
Klarna
Konbini
Multibanco
MyBank
Open Banking
OXXO
Coming soon

PayPal
PaysafeCard
Pix
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
```