# PayWithMyBank (Trustly)

**Canonical:** https://apis.io/providers/paywithmybank/  
**Website:** https://www.trustly.com/us  
**APIs profiled:** 11

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.

## Kin Score — 50.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 50.1).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 63.7 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 73.2 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 65.5 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | verified |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (11)

- **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.

## MCP servers (1)

- **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...

## Agentic access (1)

- **Paywithmybank Agentic Access** — 31 operations · 15 acting

## Security (2)

- **Paywithmybank Authentication** — http · 1 scheme
- **Paywithmybank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Payments, Pay by Bank, Open Banking, ACH, Bank Transfers, Fintech, Identity Verification, Webhook

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/paywithmybank/). Scores are computed from the provider's own public artifacts under a published rubric.