APM Payload References
All supported APM payment methods and their payload requirements.
This document provides a complete reference of all payment methods and payment types supported by the Exirom APM API. Use the paymentMethod and paymentType fields in your apmPayload when initiating transactions.
All APM transactions use the same endpoint (POST /api/v1/payments/apm). The apmPayload object varies per payment method — see Initiating a Payment for the full request structure. For unified smart routing across all types, use SMART_APM — see Smart APM Routing.
#Supported Payment Types (PaymentType)
The paymentType field categorizes how the transaction is processed:
| Payment Type | Description |
|---|---|
BANK_TRANSFER | Account-to-account bank transfers |
CARD_PAYMENT | Card-based payments (credit, debit, prepaid) |
E_WALLET | Electronic wallet payments |
MOBILE_WALLET | Native mobile wallet apps (Google Pay, Apple Pay, etc.) |
CASH | Cash payments via supported channels |
VOUCHER | Voucher or gift code payments |
CARRIER_BILLING | Charges added to mobile phone bill |
BNPL | Buy Now, Pay Later installment payments |
CRYPTO_WALLET | Cryptocurrency wallet payments |
#Smart Routing Methods
Smart methods auto-route to the best available provider. Use these when you don't need to target a specific payment method.
| Payment Method | Description | Docs |
|---|---|---|
SMART_APM | Universal smart APM routing (any type) | Smart APM Routing |
SMART_E_WALLET | Smart e-wallet routing | Smart E-Wallets |
SMART_QR | Smart QR payment routing | Smart QR Payments |
SMART_MOBILE_WALLET | Smart mobile wallet routing | Smart Mobile Wallets |
SMART_BANK_TRANSFER | Smart bank transfer routing | Smart Bank Transfers |
SMART_BANK_TRANSFER_PAYOUT | Smart bank transfer payouts | Smart Bank Transfer Payouts |
SMART_CARRIER_BILLING | Smart carrier billing routing | Carrier Billing |
SMART_VOUCHER | Smart voucher routing | Smart Voucher Payments |
#Direct Payment Methods
These methods target a specific APM.
| Payment Method | Payment Type | Description | Docs |
|---|---|---|---|
APPLE_PAY | MOBILE_WALLET | Native Apple Pay via API | Apple Pay Payload |
ASTRO_PAY_QR | E_WALLET | AstroPay QR (Latin America) | QR Flow Payload |
CRYPTO | CRYPTO_WALLET | Cryptocurrency wallet payment | Redirect Flow Payload |
EFT | BANK_TRANSFER | Direct EFT bank transfer | Swiffy EFT Payout Payload |
EXTERNAL_HPP_APPLE_PAY | E_WALLET | Apple Pay via provider page | Redirect Flow Payload |
EXTERNAL_HPP_BLIK | BANK_TRANSFER | BLIK via provider page | Redirect Flow Payload |
EXTERNAL_HPP_EFT | BANK_TRANSFER | EFT via provider page | Redirect Flow Payload |
EXTERNAL_HPP_GOOGLE_PAY | E_WALLET | Google Pay via provider page | Redirect Flow Payload |
MBWAY | E_WALLET | MB WAY (Portugal) | Redirect Flow Payload |
MULTIBANCO | BANK_TRANSFER | Multibanco (Portugal) | Redirect Flow Payload |
NET_BANKING | BANK_TRANSFER | Net Banking (India) | Redirect Flow Payload |
PIX_QR | E_WALLET | Pix QR (Brazil) | QR Flow Payload |
UPI_QR | BANK_TRANSFER | UPI QR (India) | QR Flow Payload |