Acquiring

Alternative Payment Method

Also: APM

Any non-card payment method, wallets, bank transfers, BNPL, vouchers, accepted at checkout.

APMs include digital wallets (Apple Pay, Google Pay, PayPal), bank transfers (SEPA, ACH, iDEAL, Pix), buy-now-pay-later (Klarna, Afterpay), and cash vouchers (Boleto, OXXO). Local APMs typically lift conversion in their home market by 10–30%; rolling them out across regions is one of the main reasons merchants adopt orchestration.

Related terms

Payment orchestration

A platform layer that lets a merchant connect to multiple acquirers, APMs, and risk tools through one integration and route transactions intelligently.

Checkout

The merchant-facing payment surface, the form, hosted page, or SDK where the customer enters payment details.

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