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
50.7/100 developing ▬ flat Agent 84/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
11 APIs 1 MCP Servers
CompanyPaymentsPay by BankOpen BankingACHBank TransfersFintechIdentity VerificationWebhooks

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 50.7/100 · developing
Contract Quality 15.4 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 84/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
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.

PayWithMyBank (Trustly) accountData API

The accountData API from PayWithMyBank (Trustly) — 4 operation(s) for accountdata.

PayWithMyBank (Trustly) accounts API

The accounts API from PayWithMyBank (Trustly) — 3 operation(s) for accounts.

PayWithMyBank (Trustly) countries API

The countries API from PayWithMyBank (Trustly) — 1 operation(s) for countries.

PayWithMyBank (Trustly) customers API

The customers API from PayWithMyBank (Trustly) — 2 operation(s) for customers.

PayWithMyBank (Trustly) disputeManagement API

The disputeManagement API from PayWithMyBank (Trustly) — 1 operation(s) for disputemanagement.

PayWithMyBank (Trustly) identity API

The identity API from PayWithMyBank (Trustly) — 3 operation(s) for identity.

PayWithMyBank (Trustly) networkCheckApi API

The networkCheckApi API from PayWithMyBank (Trustly) — 1 operation(s) for networkcheckapi.

PayWithMyBank (Trustly) paymentProviders API

The paymentProviders API from PayWithMyBank (Trustly) — 1 operation(s) for paymentproviders.

PayWithMyBank (Trustly) payments API

The payments API from PayWithMyBank (Trustly) — 2 operation(s) for payments.

PayWithMyBank (Trustly) transactions API

The transactions API from PayWithMyBank (Trustly) — 10 operation(s) for transactions.

PayWithMyBank (Trustly) verifyCustomer API

The verifyCustomer API from PayWithMyBank (Trustly) — 1 operation(s) for verifycustomer.

Scroll for all 11

MCP Servers 1

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

paywithmybank-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Paywithmybank Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Paywithmybank Authentication

http · 1 scheme

SECURITY

Paywithmybank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paywithmybank Agentic Access

31 operations · 15 acting

31 operations · 15 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
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
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgentSkill
AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components
Components
 Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
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)

apis.yml Raw ↑ 
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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- 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:
  - 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:
  - 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
  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
  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:
  - 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
  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:
  - 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:
  - 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
  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:
  - 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:
  - 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/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