Local payment methods, one integration.
Bank-based methods, wallets, instant payments, mobile money and local schemes, accessed through the same API, the same webhooks and the same reconciliation as cards. Method availability is confirmed per merchant.
Expansion fails at the checkout, not at the border
A merchant entering a new market usually arrives with cards and finds that the local customer expects a bank redirect, a wallet or a mobile money account. Each of those is a separate contract, a separate integration and a separate reconciliation process if you do it directly. Through Flowa Pay a payment method is configuration against an integration you have already built.
From request to reconciled
Select the market
We scope which methods matter in the markets you actually sell into, rather than enabling a long list that your customers will not use.
Underwrite
Methods are enabled against your merchant category and jurisdiction. Some methods are not available for some categories, and we say so rather than enabling and failing later.
Configure
Enabled methods appear in the checkout for the customers eligible for them, with local naming, local currency presentation and local logos.
Transact
Each method follows its own flow (redirect, app handoff, voucher, QR or direct debit) behind a single payment object in your system.
Reconcile
Every method settles into the same ledger and the same statements, regardless of how different the customer-side flow was.
What alternative payment methods covers
Bank-based APMs
Bank redirect and direct debit style methods where customers approve payment inside their own bank.
Wallets
Local and international wallet schemes where they are supported on your route.
Instant payments
Domestic real-time rails with near-immediate confirmation, where the market operates one.
Mobile money
Mobile-account based payment in markets where mobile money is a primary payment instrument, subject to partner availability.
Local payment methods
Domestic schemes that customers recognise, which typically convert better than an international card in the same market.
Cash and voucher methods
Where actually supported on your route: the customer is issued a reference or voucher and pays offline, and the payment completes when the provider confirms.
QR-based payments
Where actually supported: a scannable code initiates payment inside the customer's own banking or wallet app.
One payment object
Every method, however different its customer-facing flow, produces the same payment object, status model and webhook events.
Method-level reporting
Volume, conversion, approval and cost per method, so you can see which methods are earning their place in the checkout.
Eligibility logic
Methods are shown only to customers who can actually complete them, based on market, currency and device.
Why teams choose it
- Enter markets faster. Adding a method is configuration, not a new integration and a new contract.
- Convert like a local. Customers see the method they already use, named and presented the way they expect.
- One reconciliation. Every method lands in the same ledger and the same statements.
- No dead ends. A method is only offered where it can actually be completed and settled.
How you connect
- Hosted payment page: method list, eligibility and redirects handled for you.
- API: request a specific method and manage the redirect or handoff yourself.
- Webhooks: one status model across every method, including asynchronous and offline flows.
What you can accept
- Bank-based methods
- Local and international wallets
- Instant payment rails
- Mobile money where supported
- Cash and voucher methods where supported
- QR-initiated payments where supported
Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
How it is controlled
- Methods are enabled per merchant after underwriting, not by default.
- Each method is delivered through a licensed payment partner operating under its own authorisations.
- Asynchronous and offline methods are confirmed by the provider before a payment is treated as complete.
Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are provided by licensed acquiring and payment partners under their own authorisations.
Common questions
The number is less useful than the fit. We confirm which methods matter in your markets and which your category and jurisdiction allow, then enable those. Availability depends on merchant category, jurisdiction, underwriting and the applicable payment partner.
Yes. Enabling a method is configuration against the integration you already have. No checkout rebuild is required.
They change the timing, not the process. The payment stays pending until the provider confirms, and reconciles into the same ledger when it completes.
We tell you during scoping rather than enabling something that will fail underwriting or decline in production.
Ready to put alternative payment methods to work?
Talk to our team about your corridors, your volumes and the routes that fit your business.