Trustly Group

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.

Trustly Group publishes 1 API on the APIs.io network: Trustly North America API. Tagged areas include Company, Payments, Pay by Bank, Open Banking, and Account-to-Account.

The Trustly Group catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Trustly Group’s developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, signup flow, and 41 more developer resources.

🌐 Visit website 📡 Source on GitHub

70.5/100 exemplar Agent 46/100 agent native Full breakdown ↓
scored 2026-09-18 · rubric v0.22.0

1 APIs 2 MCP Servers

Company Payments Pay by Bank Open Banking Account-to-Account Payouts Direct Debit Bank Account Verification Identity Verification Fintech Webhook MCP

Kin Score

Kin Score How this is scored →
scored 2026-09-18 · rubric v0.22.0

Composite quality — 70.5/100 · exemplar

Contract Quality 12.4 / 19

Developer Ergonomics 12.4 / 15

Access Clarity 7.5 / 15

Operational Transparency 4.6 / 10

Contract Governance 1.6 / 9

Discoverability 6.5 / 8

Regulatory Posture 9.7 / 15

Create-or-Update Ergonomics 6.1 / 10

Agent readiness — 46/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 7 / 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/trustly: 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 2

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

Trustly North America API

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 Tr...

Trustly Europe API

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 r...

MCP Servers 2

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

Trustly Group MCP Server

MCP SERVER

Trustly North America docs MCP server

Hosted MCP server advertised in the Trustly North America llms.txt ("For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://amer.developers....

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Trustly Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Trustly Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

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

Trustly North America Webhooks

ASYNCAPI

Security Posture 4

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

Trustly Authentication

http/signature · 5 schemes

SECURITY

Trustly Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Trustly Vulnerability Disclosure

Hackerone · contact published

SECURITY

Trustly Trust Center

ISO 27001, GDPR

SECURITY

Resources

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

SignUp

SignUp

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

AgentSkill

LLMsTxt

MCPServer

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance

Lifecycle

Components

Conventions

Idempotency

ErrorCatalog

Webhooks

DataModel

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 8

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

Security

Compliance

Compliance

Security

Scroll for all 8

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 5

Status, limits, changes, and where to get help

Support

HelpCenter

StatusPage

Deprecation

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 4

The organization behind the API

Website

Website

Blog

Blog

Careers

Careers

LinkedIn

Other 3

Properties that don't map to a standard resource type

APICatalog

APICatalog

Overlay

Overlay

Source (apis.yml)

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

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