Alternative payment methods (APMs), such as PayPal and Klarna, operate under two models: collecting and gateway.
Collecting model
You only integrate with Checkout.com without needing to manage different relationships with each APM. Checkout.com processes the transactions on your behalf, collects the funds, and then settles you directly.
Gateway model
You have a direct contractual agreement with each payment method and Checkout.com acts as the technical provider for gateway services between your system and the APM. You manage settlements directly with each APM.
APMs can support one or both processing models. See Add payment methods for information about each APM.