#Next.js + Payload cms Local API Vercel deployment
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Local API works when CMS and front end are colocated. Like this: https://github.com/payloadcms/nextjs-custom-server
Else use REST or GraphQL for separated front and back ends. For example when hosting Nextjs with Vercel and using Payload Cloud.
There is also a Serverless option which I think is fairly recent. That allows you to colocate on Vercel, although you still need to set up mongo DB Atlas, etc.
Sure enough, the next-payload option allows local API. And I need to try that!