What are Alternative Payment Methods (APM's)

Alternative Payment Methods (APMs) refer to non-card-based payment options supported by the platform, including digital wallets (e.g. Apple Pay, Google Pay, PayPal), bank transfers (e.g. UPI, iDEAL, Pay by Bank), QR code payments, Buy Now Pay Later (BNPL) services. These methods enable broader consumer access, particularly in markets where card usage is limited or mobile-first experiences are preferred. When using APMs, certain request and response fields may vary depending on the specific method selected.

What Alternative Payment Methods do we Offer?

QR Code Transaction

QR Code Payments enable customers to complete transactions by scanning a QR code using a mobile wallet or payment app. The QR code contains key transaction details such as the merchant identifier, transaction amount, currency, and reference number. The platform supports dynamic QR codes (generated per transaction with real-time data). This payment method offers a fast, secure, and contactless experience. When initiating a QR code payment, the API response will return the encoded QR code data (as a base64 image or a URL) for display to the customer.

Payflex

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Note:

Currently Ecentric offers Payflex QR Code Transactions.

Payflex QR Code Transactions allow customers to complete Payflex “Buy Now, Pay Later” purchases in‑store using a QR code displayed on the payment terminal. When the merchant selects Payflex as the payment option, the POS sends a request via intent API to the Ecentric Pay App (App is on the payment terminal) to initiate a QR Code Transaction, the Ecentric Pay App will forward the request to the Server which will generate a dynamic QR code and send it back to the terminal, the customer can then scan the QR Code using the Payflex mobile app. The customer follows prompts in the app to authorize and complete payment under their chosen instalment plan. The transaction is processed immediately, and the merchant receives confirmation once the payment has been approved. For merchant integration, the API will return necessary transaction identifiers and status updates that mirror those of standard Payflex transactions, enabling reconciliation and tracking of QR initiated payments.

QR Code Functions

MPOS - Companion API (App v2.0.0+)

• QR Code Transaction

Remote POS - POSBuddy Plugin

C# Library - API Reference Section:

• QR Code Transaction: PbResult DoQrSale

JavaScript Library - API Reference Section:

• QR Code Transaction: doQrSale

POSBuddy Cloud

• QR Code Transaction