PayWithMyBank (Trustly) website screenshot

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 12 APIs on the APIs.io network, including accountData API, accounts API, countries API, and 9 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 27 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.4/100 developing ▬ flat Agent 51/100 agent native saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
1 APIs 1 MCP Servers
CompanyPaymentsPay by BankOpen BankingACHBank TransfersFintechIdentity VerificationWebhook

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 51.4/100 · developing
Contract Quality 11.2 / 19
Developer Ergonomics 11.0 / 15
Access Clarity 5.1 / 15
Operational Transparency 1.0 / 10
Contract Governance 0.4 / 9
Discoverability 5.7 / 8
Regulatory Posture 4.7 / 15
Create-or-Update Ergonomics 6.1 / 10
Agent readiness — 51/100 · 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
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 12

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.

PayWithMyBank (Trustly) API

The API API from PayWithMyBank (Trustly) — 0 operation(s) for api.

Scroll for all 12

Open Collections 12

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

API Collection

OPEN COLLECTION

accountData API

OPEN COLLECTION

accountData accounts API

OPEN COLLECTION

accountData countries API

OPEN COLLECTION

accountData customers API

OPEN COLLECTION

accountData disputeManagement API

OPEN COLLECTION

accountData identity API

OPEN COLLECTION

accountData networkCheckApi API

OPEN COLLECTION

accountData paymentProviders API

OPEN COLLECTION

accountData payments API

OPEN COLLECTION

accountData transactions API

OPEN COLLECTION

accountData verifyCustomer API

OPEN COLLECTION

Scroll for all 12

MCP Servers 1

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

PayWithMyBank (Trustly) MCP Server

Official hosted MCP server published by Trustly (PayWithMyBank) for AI client integration (Claude Code, Cursor, etc.), advertised in the developer docs llms.txt. Serves the AMER...

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 3

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 APICatalog
APICatalog
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: paywithmybank
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  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
- aid: paywithmybank:paywithmybank-api-api
  name: PayWithMyBank (Trustly) API
  description: The API API from PayWithMyBank (Trustly) — 0 operation(s) for api.
  humanURL: https://amer.developers.trustly.com/
  baseURL: https://api.trustly.one/api/v1
  tags: []
  tags_raw:
  - API
  properties:
  - type: OpenAPI
    url: openapi/paywithmybank-api-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/paywithmybank-capability-edges.yml
  name: PayWithMyBank (Trustly) Business Capability Map
- 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

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