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

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:

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PPRO does not currently support merchants offering money transfer services (including remittance houses), e-wallets or prepaid cards.

Request

POST /v1/payment-charges

{
  "paymentMethod": "TRUSTLY",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "DE",
    "name": "John Smith",
    "email": "[email protected]",
    "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",
        "email": "[email protected]",
        "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

1. Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
   For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
2. The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

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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

1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
2. 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.
3. 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

{
    "id": "instr_9HeiXYhPOuo8Ext0k8kRH",
    "details": {
        "holderName": "John Smith",
        "iban": "DE81753400900062568848",
        "bankCode": "75340090"
    },
    "type": "BANK_ACCOUNT"
}

Sandbox testing

The Trustly sandbox works the same way as the live environment, except no real money or banks are used when performing payments.
Use any 8 digit Login ID and the dummy OTPs displayed on screen to complete the payment.