Alternative Payment Methods refer to any form of payment that does not involve traditional credit card networks like Visa or Mastercard. These methods are increasingly popular, particularly in digital commerce, as they offer diverse options for consumers who may not have access to or prefer not to use credit cards. Common APMs are e-wallets, SEPA, ACH, iDEAL, PIX, BNPL, cryptocurrencies, local payment methods and regional card schemes, and prepaid cards, among others.