Introduction

Alternative payment methods (APMs) refer to payment methods used as an “alternative” to credit card payments.

Nuvei APM integrations give you easy access to hundreds of APM providers and handle all fund settlements and flows.

• Types of APMs Supported
• APM Workflows
• APM Integrations

Types of APMs Supported

Nuvei supports hundreds of APM providers who offer a variety of payment solutions and settlement processes, for example:

• Bank Transfers – Bank-to-bank transfers move money directly between the customer’s accounts and the merchant’s account.
• Card APMs – These are locally branded non-international, country, or region-specific cards (for example: UnionPay).
• Cash APMs – These APMs offers a post-purchase payment option, where the customer pays using an APM-generated code, then pays the APM provider, who authorizes the merchant ships the goods (for example: Efecty).
• E-wallets – E-wallets are registered online money accounts used for payments (for example: PayPal and AliPay).
• Mobile Payments – These store digitized customer payment methods which are then represented by encrypted tokens. Customers provide these tokens in payment transactions instead of electronic chips, PIN codes, and magnetic stripes (for example: Apple Pay).
• Vouchers – Customers exchange buy electronic codes or cards with predetermined values, and then present them as payment for purchases (for example: Paysafecard).
• Carrier Billing – Purchases are added to a customer’s phone bill (for example: Boku).

APM Workflows

Nuvei supports the following APM workflows for accepting APM payments from your customers, as well as other special APM-related workflows:

• APM “Redirect” Workflows – The customer is “redirected” from the merchant’s page to the APM provider’s site to enter their APM account credentials and accept their payment, enter other payment details, or receive payment instructions, etc.
  • APM “Redirect” Payments – This is the most popular workflow. Payment requests include the alternativePaymentMethod class containing the relevant APM Input Fields.
    For more details, see the Summary of the APM “Redirect” Workflow Steps topic.
  • General APM Recurring Billing – Specific APM providers offer “redirect” initial payments followed by direct server-to-server payments for subsequent recurring/re-bill payments.
• APM “Direct” Workflows – Nuvei supports APM “Direct” workflows and advanced APM features offered by specific APM providers:
  • APM “Direct” Payments – The customer completes the workflow steps on the merchant’s page. Payment requests include the alternativePaymentMethod class containing the relevant APM Input Fields.
  • Special APM Recurring Billing – Specific APM providers offer a “direct server-to-server”ent option for subsequent recurring/re-bill payments.
• Customer Registration via APM – Specific APM providers offer a service to provide you with the necessary customer details to register a new customer in your system.
• APM Refunds – Refunds can be performed in the same way as for card transactions, by sending a /refundTransaction request.

APM Integrations

APM providers are easily accessed by including an alternativePaymentMethod class containing the relevant APM Input Fields in the relevant Nuvei payment (or payout) request.

All Nuvei Solution Platforms support APM transactions. See the relevant APM integration steps below:

• APM Cashier Integration
• APM Web SDK Integration
• APM Simply Connect Integration
• APM REST API Integration