Process Payments

Once you have a valid Bank Authorization, use the Trustly Transaction APIs to initiate Payments and Withdrawals.

In addition to the Trustly APIs discussed here, Trustly offers the following APIs that you can use to process payment transactions:

• Refund Transaction: Use to refund a previously completed Capture transaction.
• Reclaim Transaction: Use to refund a previously completed Deposit transaction.
• Cancel Transaction: Use to cancel a previously authorized Bank Authorization or unsettled Capture transaction.

Prerequisites

Before you initiate a payment, ensure you have completed the following:

• Bank Authorization: You must have a valid transactionId from a successful bank authorization. See Create a Bank Authorization.
• Event Listener: You should have a webhook listener configured to receive asynchronous status updates (see Handle Event Notifications).

Payins (capture)

Use the Capture API to request a transfer of funds from the user's bank account to your merchant account.

Send the request

Execute a POST request to the capture endpoint (/transactions/{transactionId}/capture), where {transactionId} is the ID from the original bank authorization. For example:

curl -X POST https://sandbox.trustly.one/api/v1/transactions/{transactionId}/capture \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10.00",
    "merchantReference": "9ce392f7-f99b-41e9-9028-3f33c8b0a46e"
  }'

Request parameters

Handle the response

The following table outlines the immediate response statuses returned by the Capture API and the required actions for each.

Example capture response (abbreviated)

{
  "transaction": {
    "transactionId": "1002636615",
    "transactionType": 3,
    "status": 1,
    "statusMessage": "Pending",
    "payment": {
      "paymentId": "1002636591",
      "paymentType": 2,
      "merchantReference": "123123"
    },
    "amount": "10.00",
    "pending": "10.00"
  }
}

Payouts (deposit)

Use the Deposit API to transfer funds (withdrawal or refund) to the user's bank account.

Send the request

Execute a POST request to the deposit endpoint (/transactions/{transactionId}/deposit). For example:

curl -X POST https://sandbox.trustly.one/api/v1/transactions/{transactionId}/deposit \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "25.00",
    "merchantReference": "5b83cfe7-b43c-4a6a-aec3-e483876a908a"
  }'

Request parameters

Handle the response

Like captures, deposits are asynchronous. The API immediately returns AUTHORIZED if the request is valid, but the actual movement of funds takes 1-3 banking days.

The following table outlines the immediate response statuses returned by the Deposit API and the required actions for each.

Example deposit response (abbreviated)

{
  "transaction": {
    "transactionId": "1002636638",
    "transactionType": 6,
    "status": 2,
    "statusMessage": "Authorized",
    "amount": "25.00"
  }
}

Error codes

The following table lists the error codes you may encounter during Payin or Payout requests.

For detailed user messaging recommendations for each error code, see Status codes and type definitions.