Best data retrieval for Pay by Bank
Retrieve the most accurate consumer bank data for account authentication and ownership verification, making ACH easy to use for your customers.
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Harness the power of Pay by Bank data
Proprietary Pay by Bank connectivity enables merchants to retrieve and authenticate bank-qualified account information and verify that this information belongs to an account the user has access to, ensuring compliance and mitigating risk.
Open Banking-enhanced account authentication
Authenticate accounts and verify ownership to maximize approval rates, and mitigate risk without ever sacrificing data security through our proven Pay by Bank technology.
Reduce processing costs up to 50% vs cards
Unlike other payment methods, account-to-account payments don’t have high scheme or interchange fees, so you’ll retain more revenue from every transaction.
Customize guarantee type
Align your business needs with guaranteed payment options—full, partial, and no guarantee flexibility.
Cater to the modern consumer
Provide young and credit-averse consumers with a simple payment method that allows them to pay with money they already have—no app or account creation needed.
Increase approval rates
Bank-grade financial data is retrieved in real-time and used as context for approving transactions, reducing false declines, and maximizing conversion.
Elevate payments
Modernize ACH payments by authenticating accounts and verifying account owners pre-purchase, adding security and simplicity to Pay by Bank transactions.
Streamline onboarding with real-time bank data
Accelerate lengthy processes and minimize data input by using bank-sourced data to verify account information in real-time.
Verify 100% of consumer bank accounts
Smart routing technology ensures that user flow and connectivity are optimized so any and all bank accounts can be verified.
Confirm accounts are in good standing
Analyze accounts according to factors that detect risky patterns and improve risk decisioning models.
Consumers Love Trustly
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
Features
Balance
snapshot
Check account balance instantly to avoid NSF risk through real-time Pay by Bank connectivity.
Verify account ownership
Verify the user has ownership of the account being accessed via Pay by Bank authentication.
Authenticate
account access
Authenticate consumer account information and access rights using bank-grade Pay by Bank data.
Risk
factors
Check the validity and standing of an account by compiling risk scores powered by Pay by Bank insights.
Our impact
Get started with Trustly
Contact our payment experts to learn more about what you can build using our Open Banking platform.
