Smart APM Routing Engine
What is Smart APM?
Smart APM (Alternative Payment Method) is a unified payment abstraction layer that allows merchants to offer multiple localized payment methods through a single API integration.
Instead of integrating individually with each regional provider (e.g., Alipay, BLIK, OVO), merchants can simply send a SMART_APM request, and the Smart Routing Engine automatically determines and routes the transaction to the most appropriate local payment handler.
How Smart Routing Works
When a merchant initiates a SMART_APM transaction, the Smart Routing Engine dynamically performs:
- Merchant Preference Evaluation – Checks the APM preferences configured by the merchant.
- Transaction Metadata Analysis – Examines factors such as country, currency, and user device type.
- Optimal Method Selection – Chooses the best-supported payment method for the given market.
- Routing to Smart Handlers – Forwards the request to one of the available Smart APM handlers:
SMART_BANK_TRANSFERSMART_E_WALLETSMART_MOBILE_WALLETSMART_QRSMART_VOUCHERSMART_CARRIER_BILLINGSMART_BNPL
Each handler has a specialized payload and response structure customized to the payment type’s capabilities.
APM Type Handlers
| Smart Type | Description |
|---|---|
SMART_BANK_TRANSFER | Real-time or delayed bank-to-bank transfers using domestic and international rails. |
SMART_E_WALLET | Browser-based or in-app e-wallets for digital transactions. |
SMART_MOBILE_WALLET | Mobile-native wallets using SDK-based flows or app redirects. |
SMART_QR | QR-code initiated payments leveraging regional QR payment networks. |
SMART_VOUCHER | Payments using prepaid codes, barcodes, or in-store cash vouchers. |
SMART_CARRIER_BILLING | Charges are added directly to a user’s mobile phone bill via telecom networks. |
SMART_BNPL | Buy Now, Pay Later options with installment-based payments. |
When to Use Smart APM
Use Smart APM when:
- 🌍 Operating in multiple countries with varying payment preferences.
- 🛠️ Reducing integration complexity is a priority.
- 🤖 You want intelligent, context-aware routing for payments.
- 🔄 You prefer a single unified API instead of maintaining multiple provider integrations.
Benefits
- Faster Market Expansion: Add new regional payment methods without extra development effort.
- Optimized Conversion: Automatically route to locally preferred methods to improve payment success rates.
- Unified Management: Centralized API and reporting across all supported APMs.
- Flexibility: Support for e-wallets, mobile wallets, QR payments, bank transfers, carrier billing, vouchers, and BNPL in one place.
Updated 8 days ago