Smart APM Routing – Unified Alternative Payment Integration

What is Smart APM?

Smart APM (Alternative Payment Method) is a unified abstraction layer that allows merchants to support multiple localized payment methods through a single integration point. Instead of integrating directly with each individual provider (e.g. Alipay, BLIK, OVO), merchants send a SMART_APM request, and the system routes it dynamically to the appropriate provider based on the transaction context.

Smart Routing Behavior

When a merchant initiates a SMART_APM transaction, the Smart Routing engine performs the following steps:

Evaluates the merchant's configured APM preferences.
Analyzes transaction metadata such as country, currency, and user device.
Selects the optimal payment method supported in the market.
Routes the request to one of the available smart handlers:
- SMART_E_WALLET
- SMART_MOBILE_WALLET
- SMART_QR
- SMART_BANK_TRANSFER
- SMART_CARRIER_BILLING
- SMART_VOUCHER
- SMART_BNPL

Each smart handler implements its own payload and response structure, tailored to the capabilities of its respective methods.

APM Type Handlers

Smart Type	Description
`SMART_E_WALLET`	Browser-based or in-app e-wallets
`SMART_MOBILE_WALLET`	Mobile-first wallets using SDK or redirect
`SMART_QR`	QR-code initiated payments
`SMART_BANK_TRANSFER`	Real-time or delayed bank transfer methods
`SMART_CARRIER_BILLING`	Charges via user's mobile phone bill
`SMART_VOUCHER`	Prepaid codes, barcodes, and in-store cash
`SMART_BNPL`	Buy Now, Pay Later with installment options

When to Use Smart APM

Use Smart APM when you:

Serve users in multiple countries with different payment method preferences.
Want to reduce integration complexity.
Need the ability to route payments intelligently.
Prefer to maintain a single unified API surface.

Smart APM lets you launch quickly, expand geographically, and optimize for local conversion — all while preserving flexibility in payment handling.