Process payments

Once you have a valid bank authorization, use the Trustly transaction APIs to initiate pay-ins and pay-outs.

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).

Pay-in (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 status 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 unreferenced 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 generally asynchronous. The API immediately returns AUTHORIZED if the request is valid. While standard Automated Clearing House (ACH) transactions typically take 1-3 banking days to settle, Trustly supports expedited options. You can achieve significantly faster or even instant settlement by utilizing Same Day ACH or Real-Time Payments (RTP), provided the receiving institution is RTP-enabled..

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 pay-in or pay-out requests.

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