Explore Our Fast & Secure APM Payments Solutions
Alternative payment methods (APMs) are used by customers as an alternative to debit and credit cards. The use of different payment methods varies by geographic, demographic, and risk factors, as well as by product and service. As a leading payment service provider for the UK and EEA, Fibonatix offers a range of APM payments solutions to suit your customers’ preferences, to help you deliver a more efficient payment process and experience.
Browse our range of APMs below and the benefits of using Fibonatix’s solutions.
What Is an APM (Alternative Payment Method)?
An Alternative Payment Method (APM) is any payment option outside of traditional credit and debit cards. APMs include digital wallets, instant bank transfers, mobile payments, and other innovative solutions that enable frictionless transactions.
Examples of popular APMs include digital wallets like Apple Pay, Google Pay, and Skrill, which simplify payments by storing customer information securely for fast, one-click transactions.
Instant bank transfer solutions, such as Rapid Transfer, allow customers to pay directly from their bank accounts without using cards.
Mobile payments enable consumers to complete transactions seamlessly via their smartphones, creating a frictionless shopping experience.
By offering alternative payment methods, businesses can meet the demands of today’s diverse consumer base – particularly in regions where APMs dominate.
For example, mobile wallets are preferred across Asia, while bank transfer payments tend to thrive in Europe.
Supporting alternative payment models helps businesses enhance customer experiences, increase conversions, and expand their reach across global markets.
Why Do SMEs & High-Risk Businesses Need To Support APMs?
For SMEs and high-risk businesses, supporting Alternative Payment Methods (APMs) is essential to stay competitive and meet customer expectations.
APMs provide flexibility by catering to a diverse range of consumer preferences, reducing cart abandonment and increasing conversion rates.
→ This flexibility is particularly valuable in high-risk sectors like gaming, financial services, and eCommerce, where customer trust and seamless experiences are critical.
By adopting APM payment solutions, SMEs can access new markets and customer segments.
→ For example, digital wallets and mobile payments are highly favored in Asia, while instant bank transfers are dominant in Europe. Supporting local payment methods enables businesses to provide tailored options that align with regional habits, expanding global reach and improving customer satisfaction.
Additionally, alternative payments offer greater security and fraud prevention.
→ Solutions like PCI-DSS compliant digital wallets and authenticated bank transfers mitigate financial risk, providing peace of mind for businesses and customers alike.
For SMEs looking to scale and for high-risk businesses managing unique challenges, integrating APMs through trusted APM payment providers like Fibonatix ensures smoother transactions, sustainable growth, and improved customer experiences.
What APM Payments Solutions Does Fibonatix Offer?
Skrill
Skrill is a digital wallet that allows your customers to make fast and secure online payments and enjoy a frictionless experience. From betting and trading to shopping and gaming, this APM payments solution makes managing your customers’ money simple. Integrate with Skrill via Fibonatix’s payment gateway and get the full-service solution, including eWallet top-up, reconciliation, settlement and transaction reporting.
Apple Pay
Apple Pay allows your customers to make purchases with ease in all kinds of apps, with a touch or a glance, without having to enter their card details again. Using the Buy with Apple Pay button is now faster and more secure than paying with a credit card. Fibonatix offers a full-service Apple Pay solution, including all reconciliation, reporting and settlement services.
Rapid Transfer
Fibonatix enables businesses to implement this instant bank transfer APM payments solution that lets customers pay directly using online banking, without leaving your website. Rapid Transfer (by Skrill) is a fast and convenient online alternative payment method for consumers and businesses. Customers get instant confirmation and merchants receive settlements quickly and securely.
Google Pay
Fibonatix’s expert integrations team makes incorporating Google Pay into your payment gateway as simple as possible, allowing you to offer your customers full Google Pay payment processing support.
Key Benefits of our APM Payments solutions
Fibonatix’s APM integrations enable merchants to provide a seamless checkout experience and user-friendly payment process, helping you to boost customer satisfaction. Explore the great benefits of using our APM solutions below.
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A Variety of Alternative Payment Methods
Different businesses and regions favour different payment methods. Fibonatix provides a variety of APM payments solutions so you can easily add the options most suited to your customers and target markets.
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Fast, Simple APM Payments Solution Integration
Fibonatix’s expert tech team has made APM integrations as simple as possible. There are no additional requirements for alternative payment methods beyond the initial integration with our payment gateway.
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All-in-One Transactions Dashboard
Our user-friendly back office system works with all transaction types to give merchants a clear and easy-to-view dashboard that you can customise according to your preferences.
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PCI-DSS and 3D Secure Compliant
Fibonatix’s APM payments solutions offer merchants and customers the highest level of data protection. We conduct a robust authentication process to ensure that all transactions are secure and meet PCI compliance requirements.
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A Clear Pricing Model
With our APM payments solutions, there are no hidden costs in the small print and no tricks. The Fibonatix pricing model is clear and simple so you know upfront what you’re paying for with our payment gateway services and APMs.
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Bespoke Solutions
We match merchants with the right payment solutions for their unique needs. Whatever your technical requirements, services and functionality, we can build a suitable and effective solution.
How Secure are APM Payments?
APM payments are designed with advanced security measures to protect both businesses and customers. From PCI-DSS compliance to 3D Secure authentication, alternative payment methods ensure transactions are encrypted and safeguarded against fraud.
Digital wallets, bank transfers, and mobile payments incorporate features like tokenisation and biometric verification for added protection.
At Fibonatix, our APM solutions meet strict regulatory standards, minimising financial risk while delivering a seamless and secure payment experience. Partner with us for robust, reliable, and compliant alternative payment solutions that build customer trust and ensure your business operates confidently.
Safeguarding Your Customers. Protecting Your Business.
We prioritise security across all APM payment solutions, implementing leading technologies like tokenisation and fraud detection tools to protect sensitive data.
Our compliant systems ensure your business meets regulatory standards, while customers enjoy secure, seamless transactions—every time.
With Fibonatix, you get advanced security without compromising performance or user experience.
Want to learn more about our alternative payment methods and solutions?
If you’d like more details about our alternative payment methods or related payment solutions and services, browse our FAQs or speak to our expert team by filling out the form below.
Who Do We Work With?
At Fibonatix, we specialise in delivering APM payment solutions to SMEs and businesses in high-risk industries, including CBD, dating, nutraceuticals, and cosmetics.
Our tailored alternative payment methods help businesses meet evolving customer preferences, expand into global markets, and reduce financial risk. Operating across the UK and EEA, we provide advanced APM integrations that streamline transactions, improve cash flow, and enhance the customer payment experience.
Where We Are
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UNITED KINGDOM
The Bonded Warehouse, 18
Lower Byrom St, Manchester,
M3 4AP -
GERMANY
Knesebeckstraße 59-61,
10719 Berlin -
ISRAEL
26th Floor, T B.S.R Tower
3 Totseret Ha arets St.
Petah Tikva
APM Payments: FAQs
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What are APM payments?
APM payments, or Alternative Payment Methods, include non-traditional payment options like digital wallets, instant bank transfers, and mobile payments. They offer fast, secure, and flexible ways for customers to pay without relying on credit or debit cards.
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Why are alternative payment methods important for businesses?
Alternative payment methods allow businesses to meet evolving customer preferences, reduce cart abandonment, and expand into global markets by supporting regional payment options like digital wallets and bank transfers.
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How do APMs benefit high-risk businesses?
For high-risk businesses, APM payment solutions improve transaction success rates, reduce fraud risks, and ensure compliance with local payment regulations, making payment processing smoother and safer.
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What types of alternative payment methods does Fibonatix offer?
Fibonatix offers a variety of APM solutions, including digital wallets like Apple Pay, Google Pay, Skrill, and instant bank transfer options like Rapid Transfer.
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How do digital wallets work in APM payments?
Digital wallets securely store payment details, allowing customers to make fast, frictionless payments with a single click or tap on their devices. Examples include Apple Pay and Google Pay.
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Can APM payments help SMEs grow globally?
Yes. By offering region-specific alternative payment methods, SMEs can reach new markets, attract international customers, and enhance payment flexibility for sustainable growth.
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How secure are APM payment solutions?
Fibonatix’s APM payment solutions are PCI-DSS compliant and include advanced authentication methods, ensuring transactions are secure, data is protected, and financial risk is minimised.
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How do APMs improve the customer experience?
Alternative payments like mobile payments and digital wallets simplify the checkout process, reduce payment friction, and give customers flexible payment options, improving satisfaction and loyalty.
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Are APM payment solutions easy to integrate?
Yes. Fibonatix ensures smooth integration of APM solutions into your existing payment systems through expert technical support and an all-in-one dashboard for easy management.
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What regions favor APMs over traditional cards?
Regions like Asia prefer mobile wallets, while Europe favors bank transfers. Supporting diverse APM solutions allows businesses to tailor payment methods to specific markets.
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How do alternative payment methods reduce financial risk?
APM providers offer secure solutions like verified bank transfers and compliant digital wallets, minimising fraud risks and ensuring safe payment processing for businesses.
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What industries benefit most from APM payments?
Industries like eCommerce, CBD, gaming, dating, travel, and financial services greatly benefit from APM payments due to their ability to meet global consumer demands and improve transaction success rates.