Introduction
Alternative Payment Methods (APMs) include any non-traditional payment type, such as digital wallets, bank transfers, Buy Now Pay Later (BNPL) services, and other regional or emerging solutions. These methods enhance conversion rates by allowing customers to pay using familiar local options or stored credentials.
UltraCart Integrated APMs
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Affirm
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Amazon Pay
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Android/Google Pay
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Apple Pay
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Klarna
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Sezzle
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Truemed (HSA/FSA). Unlike the others, Truemed may review a payment before capturing it, so its orders wait in Pending Clearance. See How Truemed orders work.
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PayPal Fastlane
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Stripe Link
Which Integration Provides Each Method
Each APM comes through a specific integration. Enabling a payment method in a processor's own dashboard does not add it to your UltraCart checkout unless UltraCart supports that method through that integration.
| Payment method | Provided through |
|---|---|
| Affirm | Affirm integration |
| Amazon Pay | Stripe Connect express checkout |
| Apple Pay and Google Pay | Stripe Connect or PayPal. PayPal also supports auto orders for Apple Pay. |
| Klarna | Stripe Connect express checkout |
| PayPal, Venmo, and PayPal Fastlane | PayPal integration. PayPal is not available through Stripe. |
| Sezzle | Sezzle integration |
| Stripe Link | Stripe Connect express checkout |
| Truemed | Truemed integration |
If you use both Stripe Connect and PayPal, contact UltraCart support to choose which one handles Apple Pay and Google Pay. See Supporting Apple Pay, Google Pay, Samsung Pay, and Microsoft Pay.
Important Note Regarding APMs and Fraud Prevention Rules Processing
APMs enable rapid, authenticated checkouts through saved payment information. Because of this streamlined process, payments are authorized and captured immediately, before standard fraud screening can occur.
Important: If you have existing Fraud Prevention Rules configured to “Flag for Review”, Fastlane and other APMs processed checkouts may bypass the Accounts Receivable department and instead go to the ‘Fraud Review’ order location for Review since the payment transaction completes in real time.
Recommended Configuration
To ensure proper handling of APMs transactions:
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Enable ‘Fraud Review’ in the Order Task Generation Configuration
Order Task Generation
Tasks -
Configure the ‘Orders/Payments-> Fraud Review’ for one or more users on your account.
User Configuration Screen -
Users monitoring the orders should enable the Fraud Review widget on the Home page.
UltraCart Dashboard
If the review later determines the order to be fraudulent, issue a refund from within UltraCart.
Summary: Using “Process payment and then review” allows you to benefit from your Alternative Payment Methods (APMs) instant checkout speed while maintaining effective fraud oversight.