APMs & Local Payments
Offer 100+ global and local payment methods, including Open Banking, instant bank transfers, digital wallets, mobile money and BNPL.
APMs
Monepik
Supporting Industries
Geographic Coverage
Payment preference is one of the most regionally specific things about checkout the "default" way to pay changes country by country:
Europe
Open banking and A2A rails are a genuine card alternative here, backed by mature regulatory frameworks for bank-initiated payments.
Latin America
Instant account-to-account transfer culture makes real-time rails and local wallets essential, not optional, at checkout.
Asia-Pacific
Wallet- and QR-first markets where digital wallets and mobile money often outperform cards on conversion.
Africa
Mobile money is the primary payment method for large segments of the population in several markets.
Middle East
A mix of card, wallet, and emerging BNPL demand as digital commerce scales quickly.
Common Challenges
The banking problems that stall high-risk and hard-to-bank businesses — and how our partner network solves each one.
Card-only checkout loses customers who don't lead with cards
Layering in local APMs recovers that share of wallet.
Region-by-region integrations pile up.
APM aggregation and orchestration puts every method behind one integration instead of dozens.
Local rails come with unfamiliar settlement and reporting.
Consolidated reporting across methods keeps finance teams from reconciling ten different formats.
Guessing which methods to show which customers.
Regional payment coverage is built around known local preference rather than a one-size-fits-all method list.
Every BNPL or wallet provider wants its own contract.
A single orchestration layer removes the vendor-management overhead of stitching them together yourself.
Got questions?
We’ve got answers.
Get in touch
01
Which alternative payment methods do you actually support?
Our network covers 100+ APMs spanning open banking/A2A transfers, digital wallets, mobile money, instant bank transfers, and BNPL the specific mix shown to a customer is tuned to their region.
02
How does orchestration reduce integration work on my side?
Instead of integrating each payment method's API individually, you connect once to the orchestration layer, which routes to the right provider behind the scenes.
03
Can I add BNPL without signing a separate contract with a BNPL provider?
Yes; BNPL is offered as an integrated option through the same setup as your other APMs.
04
Do local payment rails settle in my home currency?
Settlement currency is configurable, you can collect via local rails while settling in your preferred currency.
05
How do you decide which APMs to show a given customer?
Method selection is based on the customer's region and known local payment preferences, so checkout surfaces the options most likely to convert in that market.
06
Is open banking / A2A payment cheaper than card payments?
Generally yes; A2A transfers bypass card scheme fees, which is part of why they're growing fastest in markets with strong open banking regulation.