Trustly

Trustly is a Swedish payment method that enables direct online banking payments across Europe without requiring cards or apps. As a licensed payment institution supervised by the Swedish Financial Supervisory Authority, Trustly connects merchants directly to consumers' bank accounts through secure bank APIs. The platform supports instant deposits, seamless refunds, and quick payouts while allowing customers to authenticate transactions using their familiar online banking credentials. Particularly strong in the Nordics, Germany, and increasingly across Europe, Trustly provides merchants with real-time confirmation and high conversion rates.

Payment method details

Currency	EUR
Countries	Austria, Germany, Estonia, Spain, Finland, Lithuania, Latvia, Netherlands
Minimum transaction value	0.01
Maximum transaction value	N/A
Capture	Not supported
Cancel	Not supported
Refund	Full and (multiple) partial refunds are supported. Up to 365 days.
Disputes	Not supported
Statement descriptor	Standard constraints apply. No payment method specific restrictions.

Create a seamless flow with the Payments API

In The Payment API section we explain how the Payments API can be leveraged to create a payment flow.

Checkout integration

Let Rootline handle the payment method selection. You initiate the payment by simply sending a payment request with below details.

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "reference": "test_reference",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

The API will return a next_action object with a checkout_url. This url leads your customer to the Rootline checkout page, where they can select their payment method and further payment details.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "http://checkout.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/checkout"
    },
      "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}

Forwarding your customer through the checkout url

Request a redirect to your customer's bank by calling (/GET) the checkout_url that Rootline provides.

Seamless redirect from your website to Trustly

The custom integration allows you to redirect a customer from your page to the Trustly page, without visibly interacting with Rootline's checkout pages. Payment method selection can be done in your own page. In addition to the /POST request above, to indicate that this is an Trustly payment, provide Trustly as the value for the payment_rails.payment_method field. Additionally the email of the shopper needs to be provided, this can be set in the customer.email field:

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "payment_rails":{
    "payment_method":"Trustly"
  },
  "customer": {
    "email": "test@email.com"
  }
  "reference": "test_reference",
  "description":"Test description",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

Use the checkout redirect url for a seamless redirect to Trustly. After completion of the payment, your customer will be redirected back to the return url that you provided.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "payment_rails":{
        "payment_method":"Trustly"
    },
    "customer": {
        "email": "test@email.com"
      }
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "http://checkout.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/redirect"
    },
      "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}