Trustly

Trustly is a bank transfer payment service. During the online checkout process, consumers select their bank, log into their online banking, choose the account from which they wish to make the payment, and then verify their purchase. Founded in Sweden in 2008, Trustly operates in 29 countries.

Payment Method Properties

Available country codesAT, DE, DK, EE, ES, FI, GB, LT, LV, NL, NO, SE
Processing (Presentation) currenciesDKK, EUR, GBP, NOK, SEK
Settlement currenciesDKK, EUR, GBP, NOK, SEK
Consumer currenciesDKK, EUR, GBP, NOK, SEK
Channel member tagtrustly
Scheme name in the settlement fileTrustly
Minimum transaction amount0.01 EUR (or equivalent)
Maximum transaction amountNone
Session timeout7 days
RefundFull
Partial
Multiple partial
Refund Validity365 days
ChargebackNo
Integration TypeAsynchronous
SandboxScheme-hosted

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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

  1. The consumer checks out on the merchant’s page.
  2. They select the payment method.
  3. The consumer is redirected to the bank selection page.
  4. They enter the bank details and approve the payment.
  5. The consumer is redirected back to the merchant.

Specific input parameters for the TRANSACTION call

Field NameM/OTypeRegExDescription
specin.consumerrefMutf-8ABCDEFGHIJKLMNOPQRSTUVXYZ abcdefghijklmnopqrstuvxyz01234 56789.@%,&/+*$-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 specin.consumerref with ABCXYZ123. Max length 50 characters.
specin.useremailOutf-8N/AThe email of the consumer that they shop with the merchant. Use it for faster checkout for returning consumers.
specin.clientipOasciiN/AThe consumer’s publicly-routable IPv4.
specin.nationalidOutf-8N/AThe consumer’s social security number/ personal number/birth number/etc. Some banks use it for identifying transactions and Know Your Customer or Anti Money Laundering.
specin.beneficiaryidMutf-8N/AOnly for e-wallet merchants: ID, username, hash, or anything uniquely identifying the ultimate beneficiary
specin.beneficiarynameMutf-8N/AOnly for e-wallet merchants: The ultimate beneficiary’s full name (see Annotations for details)
specin.beneficiaryaddressMutf-8N/AOnly for e-wallet merchants: The ultimate beneficiary’s street address (street, zip code, city), excluding the country

Example: Main street 1, 12345, Barcelona
specin.beneficiarycountrycodeMutf-8N/AOnly for e-wallet merchants: The ultimate beneficiary’s country of residence (two-letter ISO 3166 code)

Example: ES

The specin.consumerref input parameter has different requirements for each payment method.

For standard input parameters, see Input parameters for the TRANSACTION call.

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Important

This payment method requires the real account holder value for the accountholdername parameter.

Specific output parameters for the TRANSACTION call



Field NameTypeDescription
specout.srcBankNameStringBank Name of the payer.
specout.srcCountryStringThe country where the payer's bank account is located.
specout.srcAccountHolderStringAccount holder names.
specout.srcIbanStringIBAN of the payer.
specout.srcBankCodeStringBank code of the payer's bank account.
specout.srcAccountNumberStringBank account number belonging to the payer.
specout.srcPartialAccountNumberStringPartial Account Number belonging to the payer.

For standard output parameters, see Output parameters for the TRANSACTION call.

TRANSACTION call input

tag=trustly  
&txtype=TRANSACTION  
&countrycode=SE  
¤cy=SEK  
&amount=20000  
&merchanttxid=d5DSmQvEz6mM  
&login=johndoe  
&password=wXBrpVporFVjGO4R  
&contractid=JOHNDOECONTRACT  
&channel=testchannel  
&merchantredirecturl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Flanding.php  
¬ificationurl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Fnotification.php  
&specin.dynamicdescriptor=DynDescriptor  
&accountholdername=John%20Doe  
&specin.consumerref=ABCD12345678  
&specin.clientip=64.78.88.63  
&specin.nationalid=93248261668  
&returnmode=urlencodeext

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED  
&STATUS=SUCCEEDED  
&TXID=622349098  
&ERRMSG=  
&CHANNEL=testchannel  
&TAG=trustly  
&PAYMENTGUARANTEE=NONE  
&REDIRECTSECRET=XuynxnsDoYss2qgjDy27yAQiQUONDf35  
&SPECOUT.PAYMENTPURPOSE=WKV 3F0LRQ7  
&SPECOUT.SRCCOUNTRY=SE

Branding Guidelines

For branding information, see the Trustly Brand Guidelines.

Additional Information

Using Trustly within an app
If you want to use Trustly within an app (without opening a separate browser session), you must utilize a Safari ViewController on iOS or Chrome CustomTabs on Android. Not using the operating system-native web views will cause the Trustly flow to break or not invoke a 2-factor authentication flow for the consumer after the bank selection.