aid: trustly
name: Trustly Group
description: Trustly is a Pay by Bank payments company operating two developer surfaces. Trustly Europe (Trustly Group AB,
  Stockholm, a licensed Swedish payment institution) exposes a JSON-RPC 1.1 API at api.trustly.com for deposits, withdrawals/payouts,
  refunds, account tokenisation (SelectAccount/RegisterAccount), recurring direct debit (Autogiro, BACS, SEPA), local methods
  (Swish, iDEAL, MB Way, Bancontact) and settlement/ledger reporting, with RSA-signed requests and notifications. Trustly
  North America (Trustly Inc., formerly PayWithMyBank) exposes a REST API at trustly.one/api/v1 for establishing and authorizing
  bank transactions, capture, deposit, payout, refund, account verification and tokenization, Trustly ID identity data and
  event-notification webhooks, documented with a public OpenAPI 3.1, an llms.txt and a hosted MCP docs server.
url: https://raw.githubusercontent.com/api-evangelist/trustly/refs/heads/main/apis.yml
image: https://cdn.prod.website-files.com/6798a4db9ed2b5ffc8c81f32/67efd2d42cacfccbc8be80ed_OG%20Image.jpg
position: Consuming
x-type: company
x-source: harvest:secondary-market
x-tier: enriched
x-tier-reason: enrichment-pipeline
specificationVersion: '0.20'
created: '2026-09-18'
modified: '2026-09-18'
tags:
- Company
- Payments
- Pay by Bank
- Open Banking
- Account-to-Account
- Payouts
- Direct Debit
- Bank Account Verification
- Identity Verification
- Fintech
- Webhook
- MCP
tags_raw:
- Company
- Payments
- Pay by Bank
- Open Banking
- Account-to-Account
- Payouts
- Direct Debit
- Bank Account Verification
- Identity Verification
- Fintech
- Webhooks
- MCP
apis:
- name: Trustly North America API
  description: REST API (OpenAPI 3.1, 31 operations, 10 documented webhook events) for Trustly Pay by Bank in the United States
    and Canada. Establish and authorize a transaction through the Trustly Lightbox or Select Bank Widget, then capture, deposit,
    preauthorize, reclaim, refresh, cancel or refund it; send payouts; tokenize and verify bank accounts; retrieve account
    balances, users and summaries; pull Trustly ID identity data; manage customers and dispute recovery. HTTP Basic auth with
    accessId/accessKey plus RSA request signatures; sandbox and production share one contract.
  humanURL: https://amer.developers.trustly.com/api-reference/api
  baseURL: https://trustly.one/api/v1
  tags:
  - Payments
  - Pay by Bank
  - Open Banking
  - Payouts
  - Bank Account Verification
  - Identity Verification
  - Webhook
  tags_raw:
  - Payments
  - Pay by Bank
  - Open Banking
  - Payouts
  - Bank Account Verification
  - Identity Verification
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/trustly-north-america-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://amer.developers.trustly.com/openapi.json
  - type: Documentation
    url: https://amer.developers.trustly.com/welcome
  - type: APIReference
    url: https://amer.developers.trustly.com/api-reference/api
  - type: GettingStarted
    url: https://amer.developers.trustly.com/integrate/get-started
  - type: Authentication
    url: https://amer.developers.trustly.com/integrate/api-fundamentals/secure-requests-and-signature-validation
  - type: Sandbox
    url: https://amer.developers.trustly.com/integrate/api-fundamentals/testing
  - type: Webhooks
    url: https://amer.developers.trustly.com/integrate/core-concepts/webhooks-and-events
  - type: ErrorCodes
    url: https://amer.developers.trustly.com/integrate/api-fundamentals/status-codes-and-type-definitions
  - type: SDKs
    url: https://amer.developers.trustly.com/sdks
  - type: LLMsTxt
    url: https://amer.developers.trustly.com/llms.txt
  - type: MCPServer
    url: https://amer.developers.trustly.com/_mcp/server
  - type: APICatalog
    url: https://amer.developers.trustly.com/.well-known/api-catalog
  - type: Overlay
    url: overlays/trustly-north-america-overlay.yaml
  - type: Conventions
    url: conventions/trustly-conventions.yml
  - type: Idempotency
    url: conventions/trustly-conventions.yml
  - type: DataModel
    url: data-model/trustly-data-model.yml
  - type: ErrorCatalog
    url: errors/trustly-problem-types.yml
  - type: DeclineCodes
    url: errors/trustly-decline-codes.yml
  - type: Webhooks
    url: asyncapi/trustly-north-america-webhooks.yml
  - type: MCPServer
    url: mcp/trustly-mcp.yml
  - type: ToolCrosswalk
    url: mcp/trustly-tool-crosswalk.yml
  - type: AgentSkill
    url: skills/_index.yml
  - type: Sandbox
    url: sandbox/trustly-sandbox.yml
  - type: LLMsTxt
    url: llms/trustly-llms.txt
  - type: Authentication
    url: authentication/trustly-authentication.yml
  image: https://cdn.prod.website-files.com/6798a4db9ed2b5ffc8c81f32/67efd2d42cacfccbc8be80ed_OG%20Image.jpg
- name: Trustly Europe API
  description: JSON-RPC 1.1 API for Trustly Pay by Bank in Europe and the UK. Methods cover Deposit, Withdraw/AccountPayout,
    Refund, SelectAccount, RegisterAccount, VerifyAccount, Charge and recurring direct debit (Autogiro, BACS, SEPA via DirectDebitMandate/DirectDebit/DirectCredit
    and batch variants), local payment methods (Swish, iDEAL/Wero, MB Way, Bancontact), Verification of Payee, and reporting
    (AccountLedger, MerchantSettlement, GetWithdrawals, CurrentBalance, ClosingBalance). Every request is signed with the
    merchant's RSA private key and every response and notification is signed by Trustly; notifications (account, pending,
    credit, debit, cancel, kyc, payoutconfirmation, payoutfailed) are JSON-RPC calls back to the merchant's NotificationURL.
  humanURL: https://docs.trustly.com/api
  baseURL: https://api.trustly.com/1
  tags:
  - Payments
  - Pay by Bank
  - Open Banking
  - Payouts
  - Direct Debit
  - JSON-RPC
  - Webhook
  tags_raw:
  - Payments
  - Pay by Bank
  - Open Banking
  - Payouts
  - Direct Debit
  - JSON-RPC
  - Webhooks
  properties:
  - type: Documentation
    url: https://docs.trustly.com/
  - type: APIReference
    url: https://docs.trustly.com/api
  - type: GettingStarted
    url: https://docs.trustly.com/get-started
  - type: Authentication
    url: https://docs.trustly.com/api/authentication
  - type: Sandbox
    url: https://docs.trustly.com/api/test-environment
  - type: Webhooks
    url: https://docs.trustly.com/api/notifications-overview
  - type: ErrorCodes
    url: https://docs.trustly.com/api/error-handling
  - type: SDKs
    url: https://docs.trustly.com/api/code-library
  - type: Plugins
    url: https://docs.trustly.com/api/plugins
  image: https://cdn.prod.website-files.com/6798a4db9ed2b5ffc8c81f32/67efd2d42cacfccbc8be80ed_OG%20Image.jpg
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TrustCenter
  url: security/trustly-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/trustly-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/trustly-domain-security.yml
- type: Authentication
  url: authentication/trustly-authentication.yml
- type: Website
  url: https://www.trustly.com/
- type: DeveloperPortal
  url: https://amer.developers.trustly.com/welcome
- type: Documentation
  url: https://docs.trustly.com/
- type: APIReference
  url: https://amer.developers.trustly.com/api-reference/api
- type: GettingStarted
  url: https://amer.developers.trustly.com/integrate/get-started
- type: Support
  url: https://www.trustly.com/support
- type: HelpCenter
  url: https://amer.developers.trustly.com/help
- type: Blog
  url: https://www.trustly.com/blog
- type: GitHubOrganization
  url: https://github.com/trustly
- type: GitHubOrganization
  name: GitHub (Trustly Inc., North America)
  url: https://github.com/TrustlyInc
- type: Login
  url: https://backoffice.trustly.com/
- type: Login
  name: Merchant portal (North America)
  url: https://paywithmybank.com/merchant-portal/
- type: SignUp
  url: https://www.trustly.com/contact-sales
- type: TermsOfService
  url: https://www.trustly.com/about-us/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.trustly.com/about-us/privacy-policy
- type: StatusPage
  url: https://status.trustly.net/
- type: Security
  url: https://www.trustly.com/security/disclosure
- type: Compliance
  url: https://www.trustly.com/security
- type: Careers
  url: https://www.trustly.com/careers
- type: LinkedIn
  url: https://www.linkedin.com/company/trustly/
- type: X
  url: https://x.com/Trustly
- type: YouTube
  url: https://www.youtube.com/user/TrustlySE
- type: Packages
  url: packages/trustly-packages.yml
- type: SDKs
  url: packages/trustly-packages.yml
- type: WellKnown
  url: well-known/trustly-well-known.yml
- type: APICatalog
  url: well-known/trustly-api-catalog.json
- type: Conformance
  url: conformance/trustly-conformance.yml
- type: Compliance
  url: conformance/trustly-conformance.yml
- type: Lifecycle
  url: lifecycle/trustly-lifecycle.yml
- type: Deprecation
  url: lifecycle/trustly-lifecycle.yml
- type: RateLimits
  url: rate-limits/trustly-rate-limits.yml
- type: Plans
  url: plans/trustly-plans-pricing.yml
- type: Components
  url: components/trustly-components.yml
- type: Conventions
  url: conventions/trustly-conventions.yml
- type: Idempotency
  url: conventions/trustly-conventions.yml
- type: ErrorCatalog
  url: errors/trustly-problem-types.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/trustly-llms.txt
- type: MCPServer
  url: mcp/trustly-mcp.yml
- type: Webhooks
  url: asyncapi/trustly-north-america-webhooks.yml
- type: Sandbox
  url: sandbox/trustly-sandbox.yml
- type: DataModel
  url: data-model/trustly-data-model.yml
- type: Security
  name: Responsible disclosure profile
  url: security/trustly-vulnerability-disclosure.yml
- type: Overlay
  url: overlays/trustly-north-america-overlay.yaml
x-enrichment:
  date: '2026-09-18'
  status: enriched
  artifacts_added: 27
  pass: local-v3