> ## Documentation Index
> Fetch the complete documentation index at: https://developer.uphold.com/llms.txt
> Use this file to discover all available pages before exploring further.

# APM transfer integration overview

> Let users fund their accounts and payouts using Alternative Payment Methods (APM).

## Available methods

PayPal is the first available network — currently in the US, supporting **Individual** accounts. Support for **Business** accounts and more networks will be added soon.

### Coverage

| Method                                      | Region | Currency |
| ------------------------------------------- | ------ | -------- |
| <Icon icon="paypal" size={16} /> **PayPal** | US     | USD      |

### Supported features

| Method                                      | Deposit                                                   | Withdrawal                                                |
| ------------------------------------------- | --------------------------------------------------------- | --------------------------------------------------------- |
| <Icon icon="paypal" size={16} /> **PayPal** | <Icon icon="check" size={12} color="#10b981" /> Supported | <Icon icon="check" size={12} color="#10b981" /> Supported |

## Key concepts

* **Transfers are quote-based** — deposits and withdrawals both require the user to confirm a quote before the transaction is created, whether funds are being collected from the payment method or paid out to it.
* **APM authorization** — when the quote response includes a `authorize:<method>` requirement, the specified method needs to be authorized. Use the Payment Widget to manage the authorization flow.
* **Authorized external accounts** — some APMs support account linking. After the first deposit or withdrawal, an external account is created and reused automatically for subsequent transactions. Other APMs don't support linking, so the transaction node is always the APM identified by its method, with no persistent external account created.

## Testing in sandbox

<Note>
  To test PayPal in sandbox, get in touch with your account manager so that we can provide account credentials.
</Note>

## Start building

<CardGroup cols={2}>
  <Card title="Deposit via API" icon="code" href="/developer-guides/apm-transfers/deposit/via-rest-api">
    Fund a user's account programmatically.
  </Card>

  <Card title="Deposit via Widget" icon="puzzle-piece" href="/developer-guides/apm-transfers/deposit/via-payment-widget">
    Let users deposit funds with a low-code, embeddable widget.
  </Card>

  <Card title="Withdrawal via API" icon="code" href="/developer-guides/apm-transfers/withdrawal/via-rest-api">
    Create quotes and submit payouts programmatically.
  </Card>

  <Card title="Withdrawal via Widget" icon="puzzle-piece" href="/developer-guides/apm-transfers/withdrawal/via-payment-widget">
    Let users withdraw funds with a low-code, embeddable widget.
  </Card>
</CardGroup>