Trustly payments

Available from Version: 20231206

Trustly is considered to be one of the leaders of bank transfer payments in key European markets. With Trustly, consumers can make fast, simple, and secure payments directly from their bank accounts, with no risk of stolen details or fraud.

With a merchant base of 8,000, Trustly integrates with 6,300 banks to collect funds locally across Europe and offers real-time reconciliation through proprietary integrations to these accounts.

Consumers make e-commerce payments by selecting Trustly and authenticating the payment through their existing online banking interface.

Trustly general properties

Available country codes
  • AT
  • DE
  • DK
  • EE
  • ES
  • FI
  • GB
  • LT
  • LV
  • NL
  • NO
  • SE
Currencies
  • DKK
  • EUR
  • GBP
  • NOK
  • SEK
Minimum transaction amount 0.01 EUR (or equivalent)
Maximum transaction amount

none
Session timeout 7 days
Refund
  • Full
  • Partial
  • Multiple Partial
Refund validity 365 days
Chargeback No
Integration category Asynchronous
Dynamic Descriptor supported Yes

Note: Only the following country code and currency code combinations can be used:

  • AT/DE/EE/ES/FI/LT/LV/NL & EUR
  • DK & DKK
  • GB & GBP
  • NO & NOK
  • SE & SEK

The following features are not supported:

Feature Description
Surcharging It is not possible to add a surcharge to the transaction.
Credit It is not possible to create credit transactions.
Subscriptions It is not possible to set up subscriptions.
Reservations

The amount is automatically captured by default. It is not possible to create a payment request with type=payment.

If the type is set to payment, it is automatically changed to paymentAndCapture.
Acquirer based reconciliation files

The resulting payment data from calling the payments API method does not contain information in the AcquirerReconciliationIdentifier field.

For information about the payments method, see payments.

How it works

The processing of payments for goods using Trustly Payments consists of one step, during which the capture of the payment takes place.

Capturing a Payment

The following diagram illustrates the steps involved in capture payment that are relevant to you as a merchant.



  1. The consumer selects Trustly as their preferred payment method.
  2. The consumer is redirected to the bank selection page.
  3. The consumer enters the bank details and approve the payment.
  4. The merchant receives the payment confirmation of the payment.
  5. The merchant can ship the order/deliver the goods to the consumer.

To find out how to integrate with Trustly using our merchant API, see Integrating using the Merchant API and more specifically, the createPaymentRequest method.

See the mandatory and configurable parameters by selecting Trustly in the drop down list on the Create Payment Request page

Processing a Refund

Refunds take place after the capture of funds. There are several refund scenarios.

  • Full refund, which returns the funds for the entire transaction
  • Partial refund, which returns the funds for some of the order lines

The flow is as follows:

See the mandatory and configurable parameters by selecting Trustly in the drop down list on the Create Refund Request page