Merchant alternative payment methods

500+ payment methods

The industry’s widest reach

Up to 30% conversion uplift

By offering the top 3 preferred ways to pay

70+ countries

One integration, one settlement

3x higher conversion

On cross-border transactions

Why payment choice matters

The right payment method can make a difference

Consumers expect to see familiar payment options at checkout. When they don’t, conversion suffers. Yet many international checkouts still default to cards and a wallet or two, turning away customers who arrived ready to buy.

Local methods often outperform major cards
Preferences vary by country and region
Offering the methods each market prefers is no longer optional

Why ACI Worldwide

Orchestrated, not just connected

Operational efficiency

Every method, one integration

Local methods, wallets, BNPL, and Pay by Bank through a single API, with unified settlement and reconciliation across providers.

No lock-in. Improved resilience

Acquirer-agnostic routing

ACI sits above the acquiring layer and routes transactions across providers for the best outcome, not just the options available within a single network.

Revenue uplift

Payments data drives performance

Gain visibility across providers to optimize processing costs and payments performance.

Global protection

Embedded fraud management

AI-powered fraud prevention leverages signals across providers, payment methods, and networks to identify threats earlier, minimize fraud losses, and reduce false declines.

Faster global growth

Built for expansion

Enter new markets in weeks, not months, with the payment options customers already trust, without rebuilding your payments infrastructure.

Global Coverage

The payment methods that matter, market by market

Select a region to see the preferred payment methods your customers expect, and how dominant they are in each market. These are a snapshot of the highest-adoption methods by region. The full, always-current list lives in our global coverage directory.

Bank-based and local methods dominate checkout across Europe; in the Netherlands alone, iDEAL | Wero handles 70% of online payments.

Pay by Bank and cash vouchers remain essential for eCommerce across Latin America. In Brazil alone, Pix handles 44% of online payments.

Table showing popular payment methods in Latin America with market share and reasons. — Overview of key alternative payment methods in Latin America for enterprise payments.

Across APAC, super-apps and QR wallets lead; in China alone, digital wallets account for 89% of eCommerce.

Table showing digital wallets and payment methods across Asia with market share details. — Digital wallets and payment methods in Asia, highlighting market share and adoption rates.

BNPL and bank-backed checkout are rising fast across North America. Digital wallets now drive 40% of US eCommerce, ahead of credit cards.

Comparison table of digital wallets and payment methods for US and Canada. — Digital wallet options for US and Canada, highlighting market and relevance.

Mobile money and local wallets are leapfrogging cards across Africa, while the Gulf adopts digital wallets rapidly.

Business professionals analyzing digital payment solutions on a tablet. — Executives reviewing digital payment options for enterprise growth.

Global coverage directory

Explore every method, in every market

Our coverage directory is maintained in real time by our product team, with the country, processing type and brand detail for every connector on the platform. Always current, always searchable.

Coverage metrics

70+ countries
500+ acquirers & methods
Live, updated continuously

Explore the coverage directory

Payment method categories

Built around how the world actually pays

We organize payment methods the way the market does, so your customers always find the option they recognize.

Digital wallets

The methods with the highest consumer adoption worldwide, from global names to market leaders.

Pay by bank

Account-to-account payments on real-time rails. Instant settlement, lower cost, no card networks in between.

Buy now, pay later

Give shoppers access to 70+ BNPL providers through a single integration with intelligent waterfall routing that cascades approvals, driving higher basket sizes.

Bank transfers & online banking

The trusted bank-redirect methods that dominate online checkout in many European markets.

Cash & vouchers

Cash-based and voucher methods that remain essential across Latin America and beyond.

Cards

Global and local card schemes, fully orchestrated alongside every other method on the platform.

Coverage is only half the story

Anyone can give you a list of payment methods. ACI orchestrates across them, routing intelligently, applying fraud intelligence that understands local payments behavior, and settling it all through one file.

Independent by design

We’re not an acquirer or a gateway. We route to the best outcome across providers, not to our own network.

Fraud that travels

Local methods carry local risk profiles. Our fraud layer adapts to each, so you approve more and lose less.

One settlement

Every method, every market, reconciled into a single settlement file in your preferred currency.

Deliver secure, locally relevant payment experiences at global scale, with orchestration that maximizes acceptance and eliminates provider lock-in

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Explore Payment Methods

Expand your capabilities

ACI Worldwide offers a wide variety of industry-leading, award-winning solutions to support all types of payment strategies

*Buy Now, Pay Later service usage in the U.S. 2021-2025, by generation, Statista, November 2021

Related resources

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New markets in weeks. Revenue from day one.

ACI combines broad payments coverage and no lock-in to a single acquiring network, with intelligent routing, operational simplicity, and an embedded fraud layer to help merchants maximize performance and revenue at scale.

Book a Consultation

Increase conversion in every market you sell in.

Hundreds of payment methods. One integration