PayWithMyBank (Trustly)

PayWithMyBank is the U.S. "Pay by Bank" brand of Trustly, a global open-banking payments provider that lets merchants accept payments directly from a consumer's bank account as an alternative to cards. The paywithmybank.com domain now redirects to Trustly, whose AMER developer platform exposes a REST Payments API (OpenAPI 3.1) covering transactions (establish, capture, deposit, cancel, reclaim, refund), payments retrieval, bank-account tokenization and verification, customer records, identity (Trustly ID), account data, dispute recovery, and asynchronous event notifications (webhooks). Authentication is HTTP Basic with a provisioned accessId/accessKey plus a server-generated requestSignature for the client-side Lightbox. Trustly operates the largest open-banking payments network with 12,000+ connected banks across 30+ countries.

PayWithMyBank (Trustly) publishes 11 APIs on the APIs.io network, including accountData API, accounts API, countries API, and 8 more. Tagged areas include Company, Payments, Pay by Bank, Open Banking, and ACH.

The PayWithMyBank (Trustly) catalog on APIs.io includes 1 event-driven AsyncAPI specification.

PayWithMyBank (Trustly)’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

50.1/100 developing ▬ flat Agent 66/100 agent native Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

11 APIs 1 MCP Servers

CompanyPaymentsPay by BankOpen BankingACHBank TransfersFintechIdentity VerificationWebhook

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 50.1/100 · developing

Contract Quality 13.5 / 21

Developer Ergonomics 12.4 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.7 / 10

Discoverability 7.9 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 66/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/paywithmybank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 12

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

WellKnown

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

APICatalog

APICatalog

Overlay

Overlay

Source (apis.yml)

aid: paywithmybank
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/paywithmybank.png
name: PayWithMyBank (Trustly)
description: PayWithMyBank is the U.S. "Pay by Bank" brand of Trustly, a global open-banking payments provider that lets merchants
  accept payments directly from a consumer's bank account as an alternative to cards. The paywithmybank.com domain now redirects
  to Trustly, whose AMER developer platform exposes a REST Payments API (OpenAPI 3.1) covering transactions (establish, capture,
  deposit, cancel, reclaim, refund), payments retrieval, bank-account tokenization and verification, customer records, identity
  (Trustly ID), account data, dispute recovery, and asynchronous event notifications (webhooks). Authentication is HTTP Basic
  with a provisioned accessId/accessKey plus a server-generated requestSignature for the client-side Lightbox. Trustly operates
  the largest open-banking payments network with 12,000+ connected banks across 30+ countries.
url: https://raw.githubusercontent.com/api-evangelist/paywithmybank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- balderton-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Pay by Bank
- Open Banking
- ACH
- Bank Transfers
- Fintech
- Identity Verification
- Webhook
tags_raw:
- Company
- Payments
- Pay by Bank
- Open Banking
- ACH
- Bank Transfers
- Fintech
- Identity Verification
- Webhooks
apis:
- aid: paywithmybank:paywithmybank-accountdata-api
  name: PayWithMyBank (Trustly) accountData API
  description: The accountData API from PayWithMyBank (Trustly) — 4 operation(s) for accountdata.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Account Data
  tags_raw:
  - accountData
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-accountdata-api-openapi.yml
- aid: paywithmybank:paywithmybank-accounts-api
  name: PayWithMyBank (Trustly) accounts API
  description: The accounts API from PayWithMyBank (Trustly) — 3 operation(s) for accounts.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Account
  tags_raw:
  - accounts
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-accounts-api-openapi.yml
- aid: paywithmybank:paywithmybank-countries-api
  name: PayWithMyBank (Trustly) countries API
  description: The countries API from PayWithMyBank (Trustly) — 1 operation(s) for countries.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Countries
  tags_raw:
  - countries
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-countries-api-openapi.yml
- aid: paywithmybank:paywithmybank-customers-api
  name: PayWithMyBank (Trustly) customers API
  description: The customers API from PayWithMyBank (Trustly) — 2 operation(s) for customers.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Customers
  tags_raw:
  - customers
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-customers-api-openapi.yml
- aid: paywithmybank:paywithmybank-disputemanagement-api
  name: PayWithMyBank (Trustly) disputeManagement API
  description: The disputeManagement API from PayWithMyBank (Trustly) — 1 operation(s) for disputemanagement.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags: []
  tags_raw:
  - disputeManagement
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-disputemanagement-api-openapi.yml
- aid: paywithmybank:paywithmybank-identity-api
  name: PayWithMyBank (Trustly) identity API
  description: The identity API from PayWithMyBank (Trustly) — 3 operation(s) for identity.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Identity
  tags_raw:
  - identity
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-identity-api-openapi.yml
- aid: paywithmybank:paywithmybank-networkcheckapi-api
  name: PayWithMyBank (Trustly) networkCheckApi API
  description: The networkCheckApi API from PayWithMyBank (Trustly) — 1 operation(s) for networkcheckapi.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags: []
  tags_raw:
  - networkCheckApi
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-networkcheckapi-api-openapi.yml
- aid: paywithmybank:paywithmybank-paymentproviders-api
  name: PayWithMyBank (Trustly) paymentProviders API
  description: The paymentProviders API from PayWithMyBank (Trustly) — 1 operation(s) for paymentproviders.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Payment Providers
  tags_raw:
  - paymentProviders
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-paymentproviders-api-openapi.yml
- aid: paywithmybank:paywithmybank-payments-api
  name: PayWithMyBank (Trustly) payments API
  description: The payments API from PayWithMyBank (Trustly) — 2 operation(s) for payments.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Payments
  tags_raw:
  - payments
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-payments-api-openapi.yml
- aid: paywithmybank:paywithmybank-transactions-api
  name: PayWithMyBank (Trustly) transactions API
  description: The transactions API from PayWithMyBank (Trustly) — 10 operation(s) for transactions.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags:
  - Transaction
  tags_raw:
  - transactions
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-transactions-api-openapi.yml
- aid: paywithmybank:paywithmybank-verifycustomer-api
  name: PayWithMyBank (Trustly) verifyCustomer API
  description: The verifyCustomer API from PayWithMyBank (Trustly) — 1 operation(s) for verifycustomer.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags: []
  tags_raw:
  - verifyCustomer
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-verifycustomer-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.trustly.com/us
- type: DeveloperPortal
  url: https://amer.developers.trustly.com/
- type: Documentation
  url: https://amer.developers.trustly.com/payments/docs/get-started
- type: APIReference
  url: https://amer.developers.trustly.com/api-reference/api
- type: GettingStarted
  url: https://amer.developers.trustly.com/integrate/get-started/explore-solutions
- type: Support
  url: https://amer.developers.trustly.com/integrate/get-started/get-support
- type: Blog
  url: https://www.trustly.com/us/blog
- type: GitHubOrganization
  url: https://github.com/TrustlyInc
- type: SignUp
  url: https://trustly.one/merchant-portal/
- type: Login
  url: https://my.trustly.com/
- type: TermsOfService
  url: https://www.trustly.com/us/terms-of-use
- type: PrivacyPolicy
  url: https://www.trustly.com/us/privacy-policy
- type: OpenAPI
  url: openapi/_original/paywithmybank-openapi-original.yml
- type: Authentication
  url: authentication/paywithmybank-authentication.yml
- type: AgenticAccess
  url: agentic-access/paywithmybank-agentic-access.yml
- type: DomainSecurity
  url: security/paywithmybank-domain-security.yml
- type: Packages
  url: packages/paywithmybank-packages.yml
- type: SDKs
  url: packages/paywithmybank-packages.yml
- type: Components
  url: components/paywithmybank-components.yml
- type: MCPServer
  url: mcp/paywithmybank-mcp.yml
- type: LLMsTxt
  url: llms/paywithmybank-llms.txt
- type: WellKnown
  url: well-known/paywithmybank-well-known.yml
- type: APICatalog
  url: well-known/paywithmybank-api-catalog.json
- type: Conventions
  url: conventions/paywithmybank-conventions.yml
- type: Idempotency
  url: conventions/paywithmybank-conventions.yml
- type: ErrorCatalog
  url: errors/paywithmybank-problem-types.yml
- type: Lifecycle
  url: lifecycle/paywithmybank-lifecycle.yml
- type: Conformance
  url: conformance/paywithmybank-conformance.yml
- type: DataModel
  url: data-model/paywithmybank-data-model.yml
- type: Sandbox
  url: sandbox/paywithmybank-sandbox.yml
- type: Webhooks
  url: asyncapi/paywithmybank-webhooks.yml
- type: Overlay
  url: overlays/paywithmybank-api-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 18
  pass: local-v1