As IXOPAY continues to expand its library of alternative payment methods, new payment options can be enabled directly from the IXOPAY portal—no additional integration or development required.

Alternative Payments

Q: What is included in the APM package?

The Alternative Payment Method package includes access to PayPal, Venmo, PayPal PayLater, Skrill, Klarna, and Zip, all through a single integration to the IXOPAY platform. After the initial integration, payment methods can be enabled or disabled individually as business needs evolve, eliminating the need for additional integrations or development work. This gives merchants the flexibility to expand payment choice, adapt to changing customer preferences, and launch new payment options faster.

Q: What are the primary benefits for merchants using alternative payment methods?

Alternative payment methods (APMs) help merchants increase conversion, reduce cart abandonment, and reach customers who prefer alternatives to traditional credit and debit cards. By offering trusted payment options such as digital wallets and BNPL, merchants can appeal to a broader range of consumers and improve the checkout experience without requiring customers to change how they prefer to pay.

Q: What is the difference between an APM and a digital wallet?

An Alternative Payment Method (APM) is an overarching category encompassing many types of payment methods, including digital wallets, BNPL, bank transfers, and A2A payments. Digital wallets like Apple Pay and Google Pay are primarily a frictionless way for customers to use their existing credit cards. However, payment methods like Venmo, Skrill, or Alipay are also considered digital wallets, though they operate without a credit card and are tied to bank accounts. Digital wallets are typically enabled through the merchant’s acquirer, but can also be enabled via direct integrations. Adoption is usually driven by a better user experience and lower cart abandonment rates. APMs either allow a customer to use a credit card in a non-traditional manner (e.g., linking a QR code to a card) or to avoid using a card altogether (e.g., BNPLs, bank transfers, account-to-account payments).

Key Benefits

Increase Conversion

Customers are more likely to purchase when they can pay with their preferred payment methods, especially on mobile and in global contexts.

Grow Across Consumer Profiles

Combine non-card-based digital wallets, A2A payments, and BNPL solutions to maximize audience coverage. Capture consumers across demographics with different purchasing preferences and behaviors.

Cost Savings and Resilience

Reduce dependence on card payments—helping you maintain margins and establish redundancy if issuers, networks, or regions experience disruptions.

Integrate Quickly

Skip the custom build. Use our JavaScript library to easily embed new payment methods into your checkout.

How it Works

Expand your TokenEx Connect solution with our Alternative Payments package to support popular digital wallets, account-to-account payments, and buy-now-pay-later options alongside traditional cards. Add methods such as PayPal, Venmo, Skrill, Klarna, and Zip.

With the IXOPAY Alternative Payments package, you get the benefits of a single integration that supports multiple alternative payment methods out of the box. Use our JavaScript library to embed payment methods at checkout or simply use a redirect. IXOPAY handles the token passthrough via our Payment Services pre-built adapters—all while keeping sensitive customer information off of your environment.

Five Payment Methods in One Integration

Get more than individual payment methods with a suite of complementary options. Digital wallets like PayPal, Venmo, and Skrill help reach shoppers who value speed, convenience, and trust, while BNPL options like Klarna, PayPal PayLater, and Zip appeal to consumers looking for greater budgeting flexibility.

Flexible, Frictionless Checkout

Meet the needs of mobile-first, high-intent shoppers across different generations and buying preferences. The result is a more flexible checkout experience that can reduce cart abandonment, improve conversion, and increase average order value.

FAQ

What is included in the APM package?

What are the primary benefits for merchants using alternative payment methods?

What is the difference between an APM and a digital wallet?

How can I add APMs?