Choose an integration

Integrating Trustly solutions allows your customers to pay or receive funds by signing in to their online banking interface directly within your website or application. This secure, direct-to-bank model reduces fraud risks and transaction costs while offering a familiar authentication experience for users.

Before you begin, you must select the integration model that best fits your business needs.

Technical requirements

Client-side SDK: All Trustly pay-in, pay-out, and data workflows rely on the client-side SDK to present the Trustly Lightbox to the user. See Integrate the client-side SDK to get started.
QR Code API: The Trustly Scan and Pay workflow requires server-side integration with the QR Code API to generate dynamic payment codes for physical devices.

Pay-in workflow

Trustly provides integration models for both online and physical environments.

Online environments

For most online use cases, the Authorize and Capture (Deferred) model is the recommended integration.

Feature	Authorize and Capture (Recommended)
Workflow type	Deferred authorization (Authorize + Capture)
Best for	E-commerce, iGaming, digital wallets, trading platforms, and recurring billing.
User experience	User authorizes a persistent connection. You can capture funds immediately, handle recurring payments, and enable one-click deposits.
API interaction	`paymentType: 'Deferred'` (Client-side)
Implementation	See Accept payments with Trustly Pay

The Instant Payments workflow (paymentType: 'Instant') is deprecated for new integrations. Trustly recommends using Trustly Pay for all use cases to ensure higher acceptance rates and risk optimization. If you are maintaining an existing integration, see Accept Instant Payments.

Physical environments

For physical casinos, Trustly provides a specialized workflow.

Trustly Scan and Pay: A physical-to-digital workflow where a user scans a QR code on a physical machine to authenticate and fund it using their mobile device. This workflow utilizes a specialized Trustly microsite and requires server-side integration (POST /qrcode/token). See Integrate Trustly Scan and Pay.

Pay-out workflow

If you need to send funds to a customer (gaming withdrawals, gig-economy payments), you must choose between the modern online banking flow or the manual account entry flow.

Feature	Send using online banking (Recommended)	Send using account details
Data handling	Tokenized. You handle a secure `transactionId`.	Raw Data. You handle Account and Routing numbers.
User experience	Customer logs in through the Trustly Lightbox for instant verification.	Customer manually types bank details into your UI.
Compliance	Low burden (Trustly handles the banking data).	High burden. You are responsible for PCI/NACHA data security.
API parameter	`paymentType: 'Deferred'`	`paymentType: 'Disbursement'`
Implementation	See Send payouts using online banking	See Send payouts using account information

Retrieve data workflow

Use a data workflow if you need to verify information, tokenize accounts, or retrieve financial insights without processing a monetary transaction.

Feature	Verify using online banking	Verify using micro-deposits (MCD)
Workflow type	Information and retrieval	Manual Verification (MED)
Best for	KYC/AML compliance, tokenizing accounts for future payments, balance inquiries, and pre-filling user profiles.	Verifying account ownership when the user bank does not support online login (fallback).
User experience	User logs in to their bank to grant access. Trustly fetches the requested data (name, address, balance) immediately.	User manually enters account info. Trustly sends small deposits that the user must verify 1-2 days later.
API interaction	`paymentType: 'Retrieval'`	Handled via API or explicitly configured.
Implementation	See Verify accounts using online banking	See Verify accounts using micro-deposits

Terminology

The following table lists the core concepts and components used across all Trustly integrations.

Term	Definition
Capture	The transaction type that finalizes a payment and triggers the actual movement of funds from the consumer to the merchant.
Deposit	The transaction type used to send funds from the merchant to the consumer’s bank account (Payout).
EGM	Electronic Gaming Machine. Any physical slot machine or video terminal in a physical casino where a player places a wager using Trustly Scan and Pay.
Establish data	The JSON object containing all configuration parameters (such as amount, currency, and customer details) required to initialize a transaction.
Instant payout	A payout processed with Real-Time Payment (RTP) or FedNow, resulting in near-instant settlement to the customer’s account.
Lightbox	The secure, Trustly-hosted user interface where the customer selects their bank and logs in to authorize sharing of bank account data and payments.
Merchant reference	A unique string generated by your system to identify a specific order or transaction. This value persists through the entire transaction lifecycle and appears in reports.
RTP/FedNow	Real-Time Payment network (RTP) or FedNow network. These are the underlying bank networks that enable Instant Payout settlement.
Request signature	A cryptographic hash used to secure front end redirects to and from Trustly. It ensures that the request originated from a verified source and has not been tampered with.
Split token	An authentication mechanism where the credential is split between the merchant and Trustly. You retain the merchant-side token to identify the user, which must be paired with the Trustly-side token to authorize a transaction.
TPAS	Trustly Payment Agent Service. The integration layer that handles the connection between the casino’s system (CMS) and Trustly for Scan and Pay transactions.
Transaction ID	A unique, 15-character numeric identifier generated by Trustly for every transaction. You use this ID to interact with the Trustly API (e.g., to capture funds or issue refunds).
Unsettled	A transaction has been submitted to the banking network but funds have not yet cleared. During this period, the funds are not yet available for pay-out or use.
Webhook	An asynchronous message sent by Trustly to your server (`notificationUrl`) to inform you of status changes, such as when a pending payment becomes authorized.

Transaction lifecycle

Regardless of which integration model you select, money moves through the banking network in a predictable lifecycle. Trustly provides visibility into this lifecycle through API status updates and event notifications.

Payment states (capture and deposit)

When you collect funds (Capture) or send funds (Deposit), the transaction moves through the following states:

Capture and Deposit State Diagram

Pending: A temporary state where the user must authenticate, select a bank, or provide additional information.
Authorized: The request has been accepted by Trustly.
Processed: Trustly has submitted the transaction to the banking network.
Completed: The funds have settled. This represents a positive net settlement into, or a negative net settlement from, the merchant bank account since the last reporting window.
Failed: A technical error occurred, or the user abandoned the session.
Denied: The transaction failed due to insufficient funds or high risk.
Reversed: The transaction was completed but later returned (for example, an ACH or administrative return).
Refunded / Partially Refunded: The merchant returned some or all funds to the consumer.
Canceled: The merchant or the system canceled the transaction before it could be processed.

Refund states

When you issue a Refund back to a user, the transaction follows a similar but distinct path:

Refund and Reclaim State Diagram

Refunds progress through the same Authorized and Processed states as capture and deposit transactions before reaching Completed.