Trustly Pay

Payments from the inventors of
Pay by Bank

Capture more revenue with the most flexible guaranteed payment solution in the industry.

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How it Works 

Cost, Conversion, CLV

Trustly Pay delivers measurable business impact across three critical dimensions:

Cost: Reduce your cost of payment processing with direct bank payments that bypass expensive card networks

Conversion: Approve more buyers with a better checkout experience with insights that maximize revenue capture

Customer Lifetime Value (CLV): Build stronger customer relationships using bank-grade data for personal offers

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Excellence in every vertical

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Gaming

  • Instant deposits and withdrawals
  • Responsible gaming controls
  • Higher conversion rates
  • Player verification
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Subscription & Bill Pay

  • Higher approval rates
  • Reduced passive churn
  • Automatic account updating
  • Improved recurring revenue
dollar bill with shield

Financial Services

  • Instant account funding
  • Seamless money transfers
  • Easy customer onboarding
  • Enhanced user verification
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Retail

  • Frictionless checkout experience
  • Personalized loyalty offers
  • Reduced processing costs
  • Expanded customer base
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Market-leading payment guarantee flexibility

Trustly Pay puts you in control with our proprietary risk engine, allowing you to configure and control guarantee options for each transaction in real time while maintaining complete approval authority.

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. 

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Customize guarantee type

Align your business needs with guaranteed payment options—full, partial, and no guarantee flexibility.

Learn more
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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.

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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. 

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Eliminate overhead with end-to-end payments

Trustly can handle the entire payment experience, from initiation to collections.

Mobile phone showing complete payments: initiation, processing, collections

Protect sensitive financial data

Trustly’s bank connectors safely tokenize consumer account credentials.

Consumer login with anonymized login info and a checkmark within a shield.

Pay by Bank technology built for performance

You'll benefit from our fully proprietary technology stack featuring custom-built bank connectors and APIs. Our in-house risk engine continuously enhances machine learning models with every transaction, delivering increasingly intelligent payment processing that evolves with your business.

Seamless payment experience

Transform your checkout process with bank payments that eliminate frustrating form fields—no 16-digit card numbers, expiration dates, or CVV codes to enter. Customers simply use their familiar online banking credentials, and Trustly works flawlessly as a payment method on file after the first connection.

Smarter conversion optimization

Reach credit-averse consumers who prefer to pay with funds they already have. Trustly Pay requires no app downloads or account creation—just a simple, secure connection to their existing bank accounts. This frictionless approach helps you capture sales from consumers who might otherwise abandon their carts.

Our impact 

$500B+
Payments to date
110M+
Consumers to date
30+
Countries
9K+
Merchants

Get started with Trustly 

Contact our payment experts to learn more about what you can build using our Open Banking platform.

Relevant pages and resources

Payments
Pay by Bank
Open Banking
A Business Guide to ACH Transfer Limits & Workarounds
Open Banking
Pay by Bank
Payments
Trustly Hot Seat Series - Ep.01 - Intro to Open Banking
Open Banking
eCommerce
Payments
What Is ACH Fraud and How Can Your Business Prevent It?