Alternative Payments

Localise checkout
everywhere.

Reach customers via the methods they actually trust and use. From Pix in Brazil and iDEAL in the Netherlands, to WeChat Pay, Alipay, and comprehensive crypto-to-fiat processing. If you only offer cards, you're leaving money on the table in emerging and digital-first markets.

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Localised Payment FlowAPMs

Customer selects Pix at checkout

Dynamic QR code generated via API

Customer scans and authorises in bank app

Instant merchant confirmation via Webhook

No chargebacks · 90%+ acceptance rates

KEY BENEFITS

Scale beyond the card network.

Hyper-Localised Adoption

In markets like LATAM and APAC, alternative payment methods outpace credit cards by a massive margin. Unlock access to billions of unbanked or mobile-first consumers.

Zero Chargeback Liability

Push payments (like open banking, crypto, or direct wallet transfers) are generally irreversible. This entirely removes the risk of "friendly fraud" or chargebacks common with cards.

Instant Settlement Rails

Unlike T+3 card acquiring settlements, many APMs provide near-instant settlement. Receive cash flow immediately through direct connections to localized rails.

Reduced Drop-off

Friction at checkout is the greatest conversion killer. By presenting the buyer with Apple Pay, Google Pay, or localized banking apps, cart abandonment plummets.

USE CASES

Built for merchants targeting global scale.

E-commerce in LATAM

Enable Pix in Brazil or OXXO in Mexico

European Market Penetration

Accept iDEAL (NL), Sofort (DE), Trustly (Scandinavia)

APAC Digital Wallets

Seamless Alipay and WeChat Pay integration

Gaming & VPNs

Accept BTC, ETH, and USDC for privacy-centric users

High-Risk Card Declines

Recoup lost revenue from 3DS declines with bank transfers

Mobile-First Checkouts

One-click Apple Pay and Google Pay

FAQ

Common questions answered.

An APM is essentially any form of payment that isn't a traditional global card network (Visa, Mastercard, Amex). This includes bank transfers (Open Banking/iDEAL), digital wallets (Alipay/Apple Pay), "Buy Now, Pay Later" (Klarna), local card schemes, and cryptocurrencies.

Because card dominance is a myth in many regions. In Brazil, Pix handles billions more transactions than cards. In China, Alipay and WeChat hold over 90% of the digital wallet market. In Germany, bank transfers and invoices are preferred. If you only offer cards, foreign buyers will simply bounce.

No. The true value IceTree brings is connecting you with global aggregators and gateways. We find the single integration that automatically unlocks 100+ local payment methods via one API.

Often, yes. Because methods like Pix, iDEAL, or Open Banking bypass the Visa/Mastercard network hierarchy (and their interchange fees), the transaction processing costs can be a fraction of what you currently pay for cross-border card acquiring.

Absolutely. We have established relationships with top-tier crypto-to-fiat gateways. Your customers can pay in BTC, ETH, or stablecoins, and your business settles exactly the denominated fiat (USD, EUR, GBP) directly into your bank account, removing all volatility risk.

From the Knowledge Hub

Strategy

Local Payment Methods by Region: The Merchant's Checklist

Which APMs you actually need in Europe, LATAM, and Southeast Asia — and a framework for prioritising them.

RELATED SERVICES

Card Acquiring

Best-fit acquirers for your risk profile

Banking Services

Virtual IBANs, multi-currency accounts

Global Payouts

150+ countries, same-day settlement

Unlock global revenue streams.

Book a free consultation and we'll map out exactly which APMs you need to deploy based on your customer demographics — at no cost.

Book Free Consultation All Services

Localise checkouteverywhere.