Trustly
Trustly is a fast, secure, and user-friendly online payment solution that enables consumers to make direct bank transfers for goods and services without using a card or app. Trustly allows users to pay directly from their bank accounts in real time—no registration required, and it's available in all major markets in Europe. Learn more about Trustly.
Payment method properties
Markets (consumer) | AT DE DK EE ES FI GB LT LV NL NO SE |
Processing currencies | DKK EUR GBP NOK SEK |
Consumer currencies | DKK EUR GBP NOK SEK |
Settlement currencies | DKK EUR GBP NOK SEK |
Authentication methods | REDIRECT |
Authentication timeout | |
Minimum payment amount | 0.01 EUR (or equivalent) |
Maximum payment amount | None |
Payment instrument | BANK_ACCOUNT |
Recurring payments | No |
Separate captures | No |
Refund | Full - Partial - Multiple |
Refund validity | 365 days |
Disputes | No |
Sandbox availability | Trustly sandbox |
Make a Trustly payment
Trustly payments follow our standardized REDIRECT
payment flow. However, we recommend including all relevant settings for any authentication methods you support.
To make a Trustly payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:
Field | Description |
---|---|
paymentMethod | TRUSTLY |
amount.value | The amount to be paid in the smallest units of the currency used. |
amount.currency | EUR |
consumer.name | The name of the consumer. |
consumer.country | The country where the consumer is shopping. |
authenticationSettings: REDIRECT settings.returnUrl | Add the url where the consumer should be redirected to after they complete the payment. Required for the REDIRECT payment flow. |
consumer.merchantConsumerReference | The ID, username, hash, or anything used to identify the consumer. Make sure it is the same ID, username, or hash used in the merchant's shopping system. For example, if the shopper John Doe is identified with the unique identifier ABCXYZ123, populate the field with ABCXYZ123. |
Request
POST /v1/payment-charges
{
"paymentMethod": "TRUSTLY",
"amount": {
"value": 1000,
"currency": "EUR"
},
"consumer": {
"country": "DE",
"name": "John Smith",
"merchantConsumerReference": "consumer-ref-3"
},
"authenticationSettings": [
{
"type": "REDIRECT",
"settings": {
"returnUrl": "https://www.webshop.com/order-results-page"
}
}
]
}
Response
You'll receive our standard payment charge response with the available authentication methods:
{
"id": "charge_k0JhIhoQpxaVDobnm7ggL",
"paymentMethod": "TRUSTLY",
"paymentMedium": "ECOMMERCE",
"scheduleType": "UNSCHEDULED",
"instrumentId": "instr_9HeiXYhPOuo8Ext0k8kRH",
"currency": "EUR",
"country": "DE",
"status": "AUTHENTICATION_PENDING",
"consumer": {
"name": "John Smith",
"country": "DE",
"merchantConsumerReference": "consumer-ref-3",
},
"authenticationMethods": [
{
"details": {
"requestUrl": "https://redirection-target.ppro.com",
"requestMethod": "GET"
},
"type": "REDIRECT"
}
],
"authorizations": [
{
"id": "authz_ZVxqyEjacRagwrOvwEhBt",
"amount": 1,
"status": "AUTHENTICATION_PENDING",
"merchantPaymentChargeReference": "test-id-3",
"createdAt": "2025-07-17T08:06:01.736Z",
"updatedAt": "2025-07-17T08:06:01.736Z"
}
],
"captures": [],
"refunds": [],
"voids": [],
"createdAt": "2025-07-17T08:06:01.422Z",
"updatedAt": "2025-07-17T08:06:01.736Z",
"_links": {
"authorizations": {
"href": "/v1/payment-charges/charge_k0JhIhoQpxaVDobnm7ggL/authorizations"
},
"captures": {
"href": "/v1/payment-charges/charge_k0JhIhoQpxaVDobnm7ggL/captures"
},
"refunds": {
"href": "/v1/payment-charges/charge_k0JhIhoQpxaVDobnm7ggL/refunds"
},
"voids": {
"href": "/v1/payment-charges/charge_k0JhIhoQpxaVDobnm7ggL/voids"
}
}
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod
HTTP method. - The consumer will be presented with the reference number and instructions to complete the payment.
Handling the payment result
Provider confirmation pending
Depending on the merchants risk configuration, Trustly payments are not always instantly authorised. Some payment charges may transition to the AUTHORIZATION_ASYNC status until further confirmation is received from the scheme. Learn more.
REDIRECT
- After the consumer completes the payment, they are redirected to the
returnUrl
specified in the payment charge creation request. - Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned
status
field to determine and display the final payment outcome to the consumer. - Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.
Payment instrument
An instrument of type BANK_ACCOUNT
will be created for Trustly payments where the consumers bank account details can be returned.
Request
GET /v1/payment-instruments/{instrument-id}
Response
{
"type": "BANK_ACCOUNT",
"id": "instr_i4hKkRqbvZPPZiV6oed2h",
"details": {}
}
Updated 6 days ago