Overview

You can use the AccountPayout API method to transfer money to customers' bank accounts. To specify receiving bank accounts, the call needs to include AccountID parameter.

The AccountPayout method is used together with API methods SelectAccount and RegisterAccount in these situations:

When you do not have customers' bank account details, call SelectAccount so that customers can select their account for Trustly to respond with an Account ID in an Account notification.
When you have customers' bank account details, call RegisterAccount so that Trustly will register the account and responds with an Account ID in an Account notification.

Request parameters

Request example

AccountPayout

{
  "method": "AccountPayout",
  "params": {
    "Signature": "K5+hjuMqbsH0Ku ... S16VbzRsw==",
    "UUID": "258a2184-2842-b485-25ca-293525152425",
    "Data": {
      "AccountID": "1234567890",
      "Amount": "800.00",
      "Attributes": {
        "ShopperStatement": "Trustly.com"
      },
      "Currency": "EUR",
      "EndUserID": "123123",
      "MessageID": "771463386074",
      "NotificationURL": "https://mynotifications.com/listener/f346212d",
      "Password": "*",
      "Username": "your_username"
    }
  },
  "version": "1.1"
}

AccountPayout for transfer services

{
  "method": "AccountPayout",
  "params": {
    "Signature": "K5+hjuMqbsH0Ku ... S16VbzRsw==",
    "UUID": "258a2184-2842-b485-25ca-293525152425",
    "Data": {
      "AccountID": "1234567890",
      "Amount": "800.00",
      "Attributes": {
        "SenderInformation": {
          "Address": "Street 1, 12345 Barcelona",
          "CountryCode": "ES",
          "CustomerID": "123456789",
          "DateOfBirth": "1990-03-31",
          "Firstname": "Steve",
          "Lastname": "Smith",
          "Partytype": "PERSON"
        },
        "ShopperStatement": "Trustly.com"
      },
      "Currency": "EUR",
      "EndUserID": "123123",
      "MessageID": "771463386074",
      "NotificationURL": "https://mynotifications.com/listener/f346212d",
      "Password": "*",
      "Username": "your_username"
    }
  },
  "version": "1.1"
}

AccountPayout for Partner with EMO

{
  "method": "AccountPayout",
  "params": {
    "Signature": "K5+hjuMqbsH0Ku ... S16VbzRsw==",
    "UUID": "258a2184-2842-b485-25ca-293525152425",
    "Data": {
      "AccountID": "1234567890",
      "Amount": "800.00",
      "Attributes": {
        "SenderInformation": {
          "Address": "Street 1, 12345 Barcelona",
          "CountryCode": "ES",
          "Firstname": "merchant_name",
          "Lastname": "",
          "Partytype": "ORGANISATION"
        },
        "PSPMerchant": "merchant_name",
        "PSPMerchantURL": "https://merchantURL.com/",
        "MerchantCategoryCode": "1234",
        "ShopperStatement": "merchant_name"
      },
      "Currency": "EUR",
      "EndUserID": "123123",
      "MessageID": "771463386074",
      "NotificationURL": "https://mynotifications.com/listener/f346212d",
      "Password": "*",
      "Username": "your_username"
    }
  },
  "version": "1.1"
}

Response attributes

The result returned is a hash with the following elements:

Response example

Response

{
    "result": {
        "signature": "K47hjudG6sH0Ku ... S16VbzfG8==",
        "uuid": "258a2184-2842-b485-25ca-293525152425",
        "method": "AccountPayout",
        "data": {
            "orderid": "7653345737",
            "result": "1"
        }
    },
    "version":"1.1"
}

Failed payouts

In case an error occurs when processing the payout, a Credit notification or Cancel notification will be sent to the provided NotificationURL so that the merchant can flag the payout as failed in their system.

In case the end-user holds a balance on the merchant's system, the amount of the payout should be credited back to the end user's balance. Note that the credit notification will be sent AFTER the synchronous response containing "result":"1" has been sent, while a cancel notification can be sent at any point.

There are several reasons why an AccountPayout can fail after the "result":"1" response has been sent:

There are not enough funds on the merchant's Trustly account. In this case the credit notification will be sent immediately after the AccountPayout request has been received.
The funds are sent to the end user's bank account, but then later Trustly is notified by the bank that the transfer failed, for example if the recipient's bank account has been closed. This is usually very uncommon, but if it happens the credit notification can be sent several days after the AccountPayout request was sent.
The transaction crashed, and was aborted before it was completed by Trustly.

Error codes

These error codes can be returned for AccountPayout calls. To handle errors, see Error handling.

New error codes can be added and existing error codes can be removed without notice.

Error Number	Error Code	Description
602	ERROR_FUNCTION_ACCESS_DENIED	The merchant does not have access to this function.
607	ERROR_HOST_ACCESS_DENIED	The IP address of the merchant has not been added to Trustly’s IP-whitelist.
615	ERROR_INVALID_AMOUNT	The Amount is invalid. The amount must be > 0 with 2 decimals.
616	ERROR_INVALID_CREDENTIALS	The username and/or password used in the API call is incorrect.
620	ERROR_UNKNOWN	There could be several reasons for this error, please reach out to your Trustly contact for details.
623	ERROR_INVALID_PARAMETERS	Some value or parameter in the API call does not match the expected format.
624	ERROR_INVALID_BANK_ACCOUNT_NUMBER	The specified AccountID does not exist.
636	ERROR_UNABLE_TO_VERIFY_RSA_SIGNATURE	The signature could not be verified using the merchant’s public key. Either the wrong private key was used to generate the signature, or the the data object used to create the signature was serialized incorrectly.
637	ERROR_DUPLICATE_MESSAGE_ID	The MessageID has been used before.
638	ERROR_ENDUSER_IS_BLOCKED	The enduser that initiated the payment is blocked.
639	ERROR_NO_PUBLIC_KEY	No public key has been configured for the merchant on Trustly’s side.
688	ERROR_DUPLICATE_UUID	This uuid has been used before.
696	ERROR_ENDUSERID_IS_NULL	The EndUserID sent in the request is null
697	ERROR_MESSAGEID_IS_NULL	The MessageID sent in the request is null
704	ERROR_MALFORMED_MESSAGEID	The MessageID sent in the request is malformed.
705	ERROR_MALFORMED_NOTIFICATIONURL	The NotificationURL sent in the request is malformed. It must be a valid https address.
706	ERROR_MALFORMED_ENDUSERID	The EndUserID sent in the request is malformed.
717	ERROR_INVALID_ORDER_ATTRIBUTE	One or more attributes are sent with the incorrect value. Please reach out to your Trustly contact for more information.
718	ERROR_DISABLED_USER	The merchant’s user is disabled in Trustly’s system.
734	ERROR_NOT_SECURE_NOTIFICATIONURL	The NotificationURL must be using HTTPS, not plain HTTP.

CancelCharge

Swish Payout