Local payment methods (APM)
UPI, PIX, bKash, Nagad, QRIS, SPEI, Papara and other local methods.
PaymentCloud seeks ISOs, agents and ISVs for POS and e-commerce card acceptance
The PaymentCloud partner program is for those who sell card acceptance to merchants, both at the point of sale and in e-commerce. Partners get the white-label Stratus dashboard and support through…
Looking for:TeamsTradersPayment providers
Payment Options recruits payment solution resellers
The Payment Options partner program is a reseller model: the partner brings clients to the company's payment solutions and earns commission on their successful transactions. Earnings are visible in…
Looking for:Payment providersTeamsTraders
PayKun seeks developers, agencies and freelancers to refer its gateway
The PayKun partner program is built on transaction commission: the partner recommends the payment gateway to clients and earns a share of each of their transactions. The program runs in the Indian…
Looking for:Payment providers
PayGlocal seeks consultants and agencies for domestic and cross-border acceptance
The PayGlocal partner program lets consultants, agencies and platforms earn by connecting clients to payment acceptance. The service covers both domestic payments in India and international ones. Who…
Looking for:Payment providers
PayG recruits resellers and referral partners in India
The PayG partner program is open to resellers and referral partners working with Indian businesses. The partner brings clients to PayG payment products and earns a reward for each successful signup…
Looking for:TeamsTradersPayment providers
PayFacto recruits ISOs and agents to bring in merchants
The PayFacto partner program is designed for ISOs and agents who sell merchant acquiring. The partner's job is to bring applications and processing volume, while PayFacto provides the tools to build…
Looking for:TeamsTradersPayment providers
Paybuddy seeks B2B resellers and white-label partners in the UK
The Paybuddy partner program suits UK companies that already sell other services to businesses and want to add payment solutions. The program is tiered, so the format depends on how deeply the…
Looking for:TeamsTradersPayment providers
payabl. seeks PayFacs, intermediaries and referrers for card acquiring
The payabl partner program is built around card acquiring and offers two models. One is for companies that own their merchant relationships, the other for referrers who simply bring in clients…
Looking for:MerchantsPayment providers
PAY. seeks agencies and SaaS platforms for embedded payments
Choosing an embedded payments partner for SaaS? The PAY partner program targets companies that build products for their own clients and want payments inside them. Partners design their own payment…
Looking for:Payment providers
Patriots Payments seeks ISVs and B2B services to refer payment processing
The Patriots Payments partner program lets a company add payment processing to its B2B services and earn recurring income from it. The partner recommends the service to clients, and Patriots Payments…
Looking for:MerchantsPayment providers
PagPlan seeks companies to offer bill and debt payments by card in instalments
The PagPlan partner program targets Brazilian companies whose customers regularly pay bills, taxes or outstanding debts. The partner adds card payment to its service, and PagPlan processes the…
Looking for:Payment providers
PagBrasil invites e-commerce agencies to its partner program
The PagBrasil partner program is aimed at agencies that build and grow online stores in Brazil. The agency brings merchants, and PagBrasil gives them better commercial terms. What the agency gets…
Looking for:Payment providers
Pady seeks agents, affiliates and banks for cash-in, cash-out and payouts in Nigeria
The Pady partner program covers several roles, from cash agents to developers wiring up the accounts and payouts API. The service operates in Nigeria and handles cash-in, cash-out, cards and money…
Looking for:Payment providersTeamsTraders
Paddle invites platforms to embed Merchant of Record billing
The Paddle partner program is for platforms that want to give their users payments and subscriptions without building their own financial stack. Paddle acts as Merchant of Record, the legal seller…
Looking for:TeamsTradersPayment providers
Organic Payment Gateways seeks B2B partners for referrals
The Organic Payment Gateways partner program targets organisations whose clients need merchant accounts and payment gateways with stricter underwriting requirements. Qualified B2B partners are…
Looking for:Payment providers
OptionPay seeks distributors and API resellers in India
The OptionPay partner program focuses on India. Partners build networks of merchants and retail agents using the company's payment APIs, bill payments and agent services. Products PayIn, collecting…
Looking for:TeamsTradersPayment providers
OnCore Payment Technologies pays for successful referrals
The OnCore referral program, run by OnCore Payment Technologies, is meant for people with business connections. The partner brings companies from their network to the OnCore payment platform and…
Looking for:Payment providers
NOWPayments pays 25% of profit for crypto payment referrals
The NOWPayments referral program is about cryptocurrency payment acceptance. The partner brings a business that starts accepting crypto through the NOWPayments gateway and receives a share of the…
Looking for:Payment providers
Local payment methods (APM) by country
Related subsections
Local payment methods (APM)
In many markets cards are a minority of online payments. Customers in Brazil pay with PIX, in India with UPI, in Mexico with SPEI and OXXO, in Bangladesh with bKash and Nagad, in Indonesia with QRIS, in Thailand with PromptPay. An APM payment provider gives a merchant one integration to accept these local payment methods and, often, to pay out through them.
Why merchants add APMs
- Conversion: a familiar local method usually converts better than an international card in emerging markets.
- Lower dispute risk: most account-to-account and wallet payments have no card-style chargebacks.
- Coverage: in some GEOs local rails are the only realistic way to reach the customer.
- Payouts: the same rails often support instant withdrawals, important for iGaming, forex and marketplaces.
Typical APMs by region
- LATAM: PIX, SPEI, PSE, cash vouchers — see Brazil, Mexico, Colombia.
- South Asia: UPI, bKash, Nagad — see India, Bangladesh, Pakistan.
- Southeast Asia: QR payments and e-wallets — see Indonesia, Thailand, Vietnam.
- CIS: SBP and card-to-card — see Russia, Kazakhstan.
- Africa: mobile money — see Kenya, Nigeria.
Choosing an APM provider
- Direct connection to the scheme or bank vs reselling another aggregator.
- Methods actually live in your GEO, not "coming soon".
- Settlement time, currency and whether USD/USDT settlement is possible.
- Refund flow, payout support on the same method, KYB and vertical restrictions.
Related hubs
The full list of methods is in payment methods. Closely related: mobile money, e-wallets, open banking and, where formal APM acquiring is thin, P2P processing. {count} providers are on this page; check Offers for rates or post a request.