apmPayload References

This document provides an overview of the payment methods and payment types supported by our API. It serves as a reference for developers integrating with the platform to understand the available options for processing payments.

Supported Payment Methods (PaymentMethod)

The following PaymentMethod values can be used when initiating transactions:

• PAYPAL – Standard PayPal payments.
• IDEAL – iDEAL bank-based online payments (Netherlands).
• GOOGLE_PAY – Native Google Pay payments via API integration.
• EXTERNAL_HPP_GOOGLE_PAY – Google Pay via an external Hosted Checkout Page (HPP).
• APPLE_PAY – Native Apple Pay payments via API integration.
• EXTERNAL_HPP_APPLE_PAY – Apple Pay via an external Hosted Checkout Page (HPP).
• BNPL – Buy Now, Pay Later transactions for deferred or installment payments.
• ExPay – ExPay proprietary e-wallet payments.
• SMART_QR – Smart QR Code payments that dynamically select the appropriate QR-compatible provider.
• SMART_EWALLET – Smart e-wallet payments supporting multiple wallet providers through unified routing.
• SMART_VOUCHER – Voucher-based payments using prepaid codes or gift vouchers.
• SMART_CARRIER_BILLING – Payments charged directly to the user’s mobile carrier bill.
• SMART_BANK_TRANSFER – Real-time or scheduled bank transfers via smart routing.
• SMART_BNPL – Smart Buy Now, Pay Later with automatic selection of BNPL providers.
• SMART_MOBILE_WALLET – Mobile-native wallets that use token-based or app-switch flows.
• SMART_APM – Unified Smart Alternative Payment Method, automatically routing to the optimal localized method.

Supported Payment Types (PaymentType)

Payment types define how the transaction is processed:

• BANK_TRANSFER – Direct account-to-account bank transfers.
• CARD_PAYMENT – Traditional card-based payments (credit, debit, prepaid).
• E_WALLET – Electronic wallet-based payments for online transactions.
• MOBILE_WALLET – Payments using native mobile wallet apps (e.g., Google Pay, Apple Pay).
• CASH – Cash payments, typically processed via supported cash-in channels.
• VOUCHER – Voucher or gift code-based payments for goods or services.
• CARRIER_BILLING – Charges added directly to the user’s mobile phone bill.

Smart APM Routing

When using SMART_APM, the platform automatically classifies and routes transactions to the most appropriate smart payment handler based on:

• 🌍 Market and country of the user
• 💱 Currency and payment amount
• 📱 User device and payment context
• ⚙️ Merchant configuration and supported providers

For detailed guidance on dynamic APM classification and routing behavior, see the Smart Routing Reference.

Note:
For detailed request and response structures, supported fields, and payload requirements, refer to the dedicated documentation for each specific payment method.