Payment methods
Trustly: open banking pay by bank for online merchants
Trustly is a Swedish pay by bank provider: the shopper picks their bank at checkout, logs in with their own bank credentials and approves an account-to-account payment, without card details. Trustly says it connects 12,000 banks in more than 30 markets and passed 120 million users in April 2026. It is common in gaming, travel, utilities and e-commerce, and also supports payouts.
- Trustly
- Swedish open banking provider for account-to-account pay by bank payments and payouts.
At a glance
| Type | Open banking pay by bank, account to account |
|---|---|
| Coverage | 12,000 banks in 30+ markets (Trustly, April 2026) |
| Users | More than 120 million (April 2026) |
| Supervision | Swedish FSA, UK FCA, US state regulators |
| Payouts | Supported to the shopper's bank account |
What is Trustly?
Founded in 2008, Trustly runs an open banking network in Europe and North America. It is supervised by the Swedish Financial Supervisory Authority, the UK FCA and US state regulators.
How does a Trustly payment work?
The payment is authorised inside the shopper's bank.
- Choose Trustly The shopper selects pay by bank.
- Pick bank The shopper chooses their bank from the list.
- Authenticate The shopper logs in with their bank's strong customer authentication.
- Approve The shopper approves the payment; the merchant receives the result.
What is Trustly used for?
Account top-ups and deposits, large baskets, bills and subscriptions, and payouts back to the same bank account, which is useful for refunds and withdrawals.
How do you accept Trustly through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Trustly is available through OrsunPay: you connect a provider that supports it, it appears in the hosted checkout and payment links, and payment confirmations arrive by webhook. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
Does Trustly have chargebacks?
No card chargebacks: it is an account-to-account payment. Refunds and payouts are sent back to the shopper's account.
Which countries does Trustly cover?
More than 30 markets in Europe and North America, according to Trustly.
Is Trustly the same as Sofort?
No. They are different providers. Sofort was discontinued as a standalone method on 30 September 2024.