Alternative payment methods

Alternative payment methods: local rails in every region through one integration

Tranzify alternative payment methods: QR codes, virtual accounts, wallets, instant bank transfers and vouchers in Latin America, Asia, the Middle East, Africa, the CIS and Europe, each with the same API, routing, cascading, journal and webhooks as cards.

Why local methods come first

Outside the card markets, payers pay from bank accounts and wallets: PIX in Brazil, UPI in India, QRIS and virtual accounts in Indonesia, PromptPay in Thailand, MoMo in Vietnam, BLIK in Poland, Kaspi in Kazakhstan, STC Pay and Fawry in the Gulf and Egypt, M-Pesa in Kenya. A checkout without them loses most of the market: in several of these countries cards are a minority of online payments, and the local method is what the payer trusts. Each method has its own provider, its own flow and its own failure modes, and a payment business that integrates them one by one spends its engineering on adapters instead of on its product.

One integration for all of them

Every method is an adapter inside the platform: the provider’s API, signatures, status mapping, callback parsing and reconciliation are the platform’s work, not the client’s. The client enables a provider in the catalogue, enters its own account in the terminal settings and writes routing rules; its merchants see the method on the checkout the same day for integrations marked available. A method marked on request is built when a client needs it, against the provider’s documentation and sandbox, and joins the catalogue for every client.

The flows, by family

Family	Examples	How the payer pays	Pay-in	Payout
Instant bank transfers and QR	PIX, UPI, PromptPay, QRIS, DuitNow, PayNow	Scans a QR code or confirms in the banking app; funds arrive in seconds	yes	often (PIX keys, UPI)
Virtual accounts	Indonesia, Thailand, Vietnam, Nigeria	Transfers to an account number issued for this payment; matched by the number	yes	no
Bank transfers with a reference	Havale/EFT, SEPA, Faster Payments, Interac	Transfers with a reference; matched by the reference or by the provider’s statement	yes	yes
Wallets	MoMo, ZaloPay, GCash, DANA, OVO, Kaspi, Payme, M-Pesa, MTN MoMo	Confirms in the wallet’s app or enters the wallet’s number	yes	many
Bank-selection methods	BLIK, iDEAL, Bancontact, Przelewy24, EPS, Trustly	Chooses the bank or enters a code and confirms in the bank’s app	yes	some
Vouchers and cash	OXXO, Boleto, Efecty, Paysafecard, Neosurf	Pays at a shop or with a prepaid code; the provider confirms later	yes	no

The catalogue of payment methods marks pay-in, payout, recurring and refund for every method, the countries and currencies, the typical settlement time and the providers that offer it.

The same tools as cards

Routing and cascading, limits per terminal, payouts, refunds where the method allows them, webhooks with retries, the journal for five years and the trace of every payment work the same way for every method, so a payment business runs sixty methods with the operations of one. A failed callback, a late transfer or a provider’s maintenance is handled by the same screens and the same rules as a card decline.

Where to start

A client usually starts with the methods of its home market and the two or three markets its merchants ask for. The countries pages list the methods that matter in each market with their share, the providers in the catalogue and the rules that apply; the industries pages say which methods iGaming, forex, marketplaces and subscriptions need most.

Frequently asked questions

How is a local method added to the platform?+

As an adapter inside Tranzify: the provider’s API, signatures, statuses and callbacks are implemented once; every client then enables it through routing rules with its own account at the provider.

Do local methods support payouts?+

Many do: PIX, UPI, BLIK, Havale, M-Pesa and bank transfers in most markets; the catalogue marks pay-in, payout, recurring and refund for every method.

What happens when a local provider is down?+

The cascade moves the payment to the next terminal — another provider of the same method or a different method the routing allows — and the attempt stays in the journal.

How does reconciliation work for bank transfers?+

A virtual account or a reference identifies the payer’s transfer; the provider’s callback or statement matches it to the payment, and unmatched transfers are listed for the operator with the amount and the reference received.

Can a method be enabled for one country only?+

Yes. Routing rules by customer country, IP country and currency put a method on the checkout only where it belongs; the catalogue shows the countries and currencies of every method.

What does the merchant integrate for a new method?+

Nothing. The method appears on the hosted checkout or as a new action in the API answer; the webhooks and statuses are the same as for cards.