Alternative Payment Methods
Increase checkout conversion with the right local payment mix.
Offer the Payment Methods Your Customers Prefer
Increase checkout conversion by enabling the payment methods your customers use in their markets.
Alternative Payment Methods help you capture transactions that might otherwise be lost, improve acceptance across regions, and unlock additional revenue by aligning your checkout with real payment behavior. Expand into new markets with payment options that convert locally and support sustainable growth beyond traditional card payments.
Offer the Payment Methods Your Customers Prefer
Increase checkout conversion by enabling the payment methods your customers use in their markets.
Alternative Payment Methods help you capture transactions that might otherwise be lost, improve acceptance across regions, and unlock additional revenue by aligning your checkout with real payment behavior. Expand into new markets with payment options that convert locally and support sustainable growth beyond traditional card payments.
Why Add Alternative Payment Methods to Your Payment Stack
Alternative Payment Methods directly influence checkout performance, market reach, and customer retention. Align your payment stack with real customer preferences, to strengthen acceptance, improve competitiveness, and support sustainable revenue growth.
One Integration gives access to Local and International Payment Methods.
Activate Alternative Payment Methods without increasing technical complexity.
Through a single integration, you gain access to local and international payment methods within one unified setup. Reporting, operational oversight, and financial visibility remain centralized across payment types.
As a regulated Austrian financial institution under Austrian Financial Market Authority supervision, DIMOCO ensures compliance, processing governance, and operational reliability across your payment environment.
Alternative Payment Categories We Support
Digital Wallets
Fast, familiar checkout experiences optimized for web and mobile.
Open Banking and Account-to-Account Payments
Direct bank transfers with real-time confirmation.
Regionally trusted payment solutions aligned with local customer expectations.
Payment experiences tailored for app-based and mobile-first checkout journeys.
Availability depends on target markets, business model, and onboarding approval.
Strengthen Your Payment Strategy
Alternative Payment Methods complement card payments rather than replace them.
A balanced payment stack:
- Improves overall checkout resilience
- Diversifies acceptance
- Reduces payment concentration risk
- Enhances performance in new regions
- Protects revenue against regional shifts in customer behavior
Cards can operate alongside Alternative Payment Methods within the same unified setup.
Operational Control Across Payment Types
All Alternative Payment Methods are integrated into your unified payment environment, providing:
Transaction-level visibility
Consolidated reporting
Risk controls aligned to your profile
Structured oversight across payment methods
This ensures that APMs are managed with the same operational clarity as card payments.
Flexible Integration Models
Choose the integration model that fits your technical setup and time-to-market requirements.
Embedded Checkout Components
Seamless integration into your existing user interface.
API integration
Full control over checkout logic and payment flow management.
Hosted Checkout Pages
Rapid deployment with minimal development effort.
All Alternative Payment Methods are accessible through a unified integration layer.
Secure and compliant by design
Alternative Payment Methods operate within a regulated and secure processing framework.
Risk-based transaction monitoring
Ready to optimize your checkout with local payment methods?
Expand your payment stack, increase conversion, and enter new markets with a secure and integrated APM setup.
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Frequently Asked Questions
General Acceptance & Features
Integration & Management
Security & Compliance
Pricing, Settlement & Finance
What are Alternative Payment Methods?
Alternative payment methods (APMs) are payment options beyond traditional credit and debit cards. They include digital wallets such as Apple Pay and Google Pay, account-to-account payments (A2A), local payment methods, and prepaid options. Offering APMs lets you match how customers prefer to pay in each market and reach buyers who don’t use cards.
Which APMs are available?
We provide access to a portfolio of European and international alternative payment methods. Availability depends on your markets and onboarding approval. Currently supported: Apple Pay, Bancontact, BLIK, EPS, Google Pay, Multibanco, MyBank, P24, PayPal, Paysafecard, PayU and Trustly.
Are APMs suitable for cross-border commerce?
Yes. Many alternative payment methods are built for local acceptance in markets where card usage is lower. Offering the right local methods alongside international options helps you grow cross-border conversion and reach customers who prefer familiar local payment methods.
Why should I offer alternative payment methods?
Customers increasingly expect to pay with the method they trust in their market, whether that’s a digital wallet or a local payment method. Offering alternative payment methods alongside cards lets you match these preferences, reduce checkout drop-off, and convert customers who don’t pay by card. It also strengthens cross-border growth, since local methods often drive higher acceptance in markets where card usage is lower.
Which payment methods should I offer in each market?
Do APMs support recurring payments?
What happens if a payment method fails?
Can APMs be combined with cards in one integration?
Can I control which payment methods are shown at checkout?
How quickly can a new payment method be added?
How do Alternative Payment Methods impact fraud and risk?
Each payment method has its own risk profile and authentication logic, such as bank-based authentication or wallet authorization, and can be managed through configurable controls within the payment setup.
Are APMs secure and compliant?
Yes. Alternative payment methods run through DIMOCO’s regulated payment environment and follow PSD2 and applicable security and data protection standards. Each method also operates under its own scheme and regulatory framework. Sensitive payment data is processed and stored securely to support safe and reliable transactions.
How are refunds handled for alternative payment methods?
Refunds are processed back to the customer through the original payment method where the method supports it, and are managed within the same unified environment you use for cards. Refund handling and timing can vary by payment method, since each operates under its own scheme and settlement rules.
Do alternative payment methods have chargebacks?
Chargeback rights depend on the payment method. Each one runs under its own scheme rules, and those rules determine whether a dispute process exists and how it works. For more details, our sales team can walk you through the methods relevant to your markets.
Do I need separate contracts for each payment method?
No. You access all available payment methods through one payment service provider, instead of contracting with each method provider individually. Adding a method to your existing setup is handled as an addendum to your agreement with DIMOCO, and all methods run through the same integration, reporting and settlement.
How are settlements handled across different payment methods?
Funds from your enabled payment methods are consolidated into a single settlement, so you do not receive separate payments from multiple providers. Settlement timing depends on the payment method, the market and your agreed settlement schedule.
How do I reconcile different payment methods?
All transactions are available in one unified reporting environment, giving you consistent reconciliation across card and alternative payment methods. This reduces manual matching across separate systems and provider portals.