Trustly Instant Pay is a simplified payment flow that combines authorization and funds capture into a single action.

Unlike the standard Trustly Pay (Deferred) workflow, which requires you to authorize a user first and then make a separate backend API call to move funds, the Instant Pay workflow processes the payment immediately. The customer authorizes the transaction and approves the specific payment amount simultaneously within the Trustly UI.

Because the funds are captured automatically upon successful authorization, you do not need to implement a backend capture or deposit call to finalize the transaction.

Integration workflow

The following table outlines the sequential stages of the Instant Pay workflow.

Stage	User action	System or API action	Outcome
A	Selects Trustly as the payment method.	Merchant calls the `establish` method.	The Trustly UI (Lightbox) opens for bank authentication.
B	Authenticates with the bank, selects an account, and confirms the payment.	Trustly processes the payment instantly in the background.	The payment is instantly authorized and processed.
C	Redirects back to the merchant's site.	Trustly redirects the user to the `returnUrl` with the `transactionId` and final `status` appended to the Uniform Resource Locator (URL).	The transaction is complete; the merchant can fulfill the order.

Create a bank authorization for instant payment

Call the establish method from the appropriate Trustly Software Development Kit (SDK) for your platform (for example, JavaScript, iOS, Android).

Set the parameter paymentType to the value instant in the establish Data payload along with any other relevant parameters (for example, amount, description).
Generate a requestSignature to secure the payload and prevent data tampering. See Securing requests.
The Trustly UI renders, allowing the user to select and authorize their bank account.
The payment process will continue through the Trustly UI.
The user confirms the payment directly, and Trustly processes the transaction.

The following is an example of the establish method call.

Trustly.establish({
  paymentType: 'instant',
  amount: 100.00,
  currency: 'USD',
  returnUrl: '[https://merchant.com/trustly.com/return](https://merchant.com/trustly.com/return)',
  cancelUrl: '[https://merchant.com/trustly.com/cancel](https://merchant.com/trustly.com/cancel)',
  ...otherDetails
});

Handle redirects

If the user cancels the request, Trustly directs the user to your provided cancelUrl. If the user successfully authorizes the request, Trustly will direct the user to your provided returnUrl.

Once you get a successful redirect to your returnUrl, you can confirm the successful transaction with the transactionId provided in the redirect parameters. If the status is 7 (Canceled), you should handle the cancellation appropriately to notify the user and possibly allow them to retry the payment.

Example Return URL


https://merchant.com/trustly.com/return?transactionId=1002633191&status=2

Trustly will append the following parameters to your returnUrl or cancelUrl. These parameters can be used in your backend to verify payment success and update the transaction status.

Parameter	Definition
transactionId	A unique Trustly transaction identifier. (15 characters)
status	Integer value representing the Transaction Status. (`2` for Authorized or `7` for Canceled)

Handle event notifications

Trustly sends asynchronous event notifications to your backend to deliver secure data about transactions. These notifications provide real-time updates on transaction statuses, which you can use to verify payments and update user information. Be sure to persist the transactionId securely once the transaction completes, as you may need it for future reference. To verify the authenticity of the notifications, use the requestSignature parameter to ensure they originate from Trustly. See the security reference page for more details.