How to get started with Deposit for Financial services
Provide your financial services customers with Trustly as a payment method.
Common scenarios
Trustly's financial services integrations cover the following scenarios:
Issue loans to borrowers.
Pay out insurance to customers.
Provide remittance services for customers to Transfer money.
Let your trading customers deposit and withdraw within your trading platform.
Common functions
API methods and notifications to implement in your financial service system are shown in the following table:
| API method/notification | Function | Purpose |
|---|---|---|
| Deposit | Pay-in | Borrowers are able to pay back their loans |
| AccountPayout | Pay-out | Issues loans to borrowers |
| RegisterAccount SelectAccount | Bank account tokenisation | Used together with AccountPayout to enable open-loop payouts |
| GetWithdrawals | Status polling | Returns a detailed status of a payout |
| Pending notification | Notification | You’re notified when the checkout flow is completed successfully |
| Cancel notification | Notification | You’re notified when the checkout flow has been interrupted |
| Credit notification | Notification | You’re notified when you can credit the customer’s balance (funds have settled to your Trustly account) |
| Debit notification | Notification | You’re notified when you can debit the customer’s balance (funds have left your Trustly account) |
| Account notification | Notification (Optional) | Trustly sends information about the account used in this order |
| Payout confirmation | Notification (Optional) | Trustly confirms that a payout has been sent |
Deposit funds
Let customers fund their trading accounts with Trustly
Before you start
Make sure that you have completed Sign up and received a Trustly test account.
If you have a native app implementation, integrate Trustly SDKs.
Deposit flow
In a typical Deposit flow:
Your customer enters the amount for transfer in your checkout.
Your system sends an API call to
Deposit.Trustly responds with a checkout URL and
OrderID.Your system redirects the customer to the Trustly checkout where they log in to their bank and authorise the payment.
The customer will be redirected from the Trustly checkout to
SuccessURLspecified in the deposit API call.Depending on the outcome, Trustly may send these notifications:
Cancel notification if the checkout process is interrupted.
Pending notification when the customer has completed the checkout process.
Account notification Trustly sends information about the bank account used in this order.
Credit notification when the payment has arrived at your Trustly account.
Debit notification if the transaction fails after the credit notification is sent.
Your system responds to the received notifications.
Note: Account, Pending, Credit notifications can arrive in any order. The Account notification is not enabled by default. Contact Trustly Integration Support, if you need it.
Step 1: Integrate your system with Trustly
Develop business logic according to the deposit flow.
Make sure that your integration follows security requirements. See Security.
When a customer chooses Trustly in your checkout, your system calls Deposit.
Integrate Trustly Express. See Trustly Express API.
When Trustly responds with a Trustly URL, your system presents the URL to the customer to select a bank for making the deposit.
Make sure that your integration logs and handles error codes that are returned from API calls. See Error handling.
Make sure that your integration responds correctly to notifications that Trustly may send out.
Step 2: Design service presentation
When your integration presents a Trustly URL to customers, the presentation must follow Trustly checkout guidelines.
Step 3: Do acceptance testing
Prior to going live, the Trustly Integration Specialist will perform Acceptance testing. Make sure your integration has passed all test cases, including:
Deposit API calls
Built-in test cases of acceptance testing: D1 to D5, and G1 to G3.
Verify that your app has correct responses to notifications. See Notification tool.
Step 4: Verify and go live
Follow the instructions to go live.
Transfer money
Build integration for customers to transfer money from one bank account to another
Before you start
Make sure that you have completed Sign up and received a Trustly test account.
If you have a native app implementation, integrate Trustly SDKs.
Money transfer flows
Providing remittence services for money transfer consists of deposit and payout flows.
Deposit flow
In a typical Deposit flow:
Your customer enters the amount for transfer in your checkout.
Your system sends an API call to
Deposit.Trustly responds with a checkout URL and
OrderID.Your system redirects the customer to the Trustly checkout where they log in to their bank and authorise the payment.
The customer will be redirected from the Trustly checkout to
SuccessURLspecified in the deposit API call.Depending on the outcome, Trustly may send these notifications:
Cancel notification if the checkout process is interrupted.
Pending notification when the customer has completed the checkout process.
Account notification Trustly sends information about the bank account used in this order.
Credit notification when the payment has arrived at your Trustly account.
Debit notification if the transaction fails after the credit notification is sent.
Your system responds to the received notifications.
Note: Account, Pending, Credit notifications can arrive in any order. The Account notification is not enabled by default. Contact Trustly Integration Support, if you need it.
Payout flow
A typical payout flow is:
Your system sends an API call to AccountPayout with the AccountID from the previous Deposit.
Trustly responds with a result and OrderID in a synchronous response to let you know that the AccountPayout request has been received and the payout is being processed..
Trustly may send the following notifications:
Debit notification when the customer's balance has decreased.
Credit notification when the withdrawal has failed or been denied by you.
Account notification gives you information about the bank account that is selected by the customer.
Payout confirmation sent to your system in order to confirm that a payout has been sent.
Cancel notification when the withdrawal has been cancelled or failed.
Your system responds to the received notifications.
Step 1: Integrate your system with Trustly
The business logic for transferring money consists of deposit and payout flows to transfer money from one bank account to another.
Make sure that your integration follows Security requirements.
A customer makes a request to transfer money.
Your system sends an API call to
Deposit.Trustly responds with a Trustly URL, your system presents the URL to let the customer deposit money.
Once the deposit is successful, Trustly sends a credit notification.
Your system sends a call to
AccountPayout.Trustly returns a synchronous response to let you know that the
AccountPayoutrequest has been received and the payout is being processed.Make sure that your system logs and handles error codes that are returned from API calls. See Error handling.Make sure that your integration responds correctly to notifications that Trustly may send out.
Step 2: Design service presentation
When your integration presents a Trustly URL to customers, the presentation must follow Trustly checkout guidelines.
Step 3: Do acceptance testing
Prior to going live, the Trustly Integration Specialist will perform Acceptance testing. Make sure your integration has passed all test cases, including:
Deposit API calls
AccountPayout API calls
Built-in test cases of acceptance testing: D1 to D5, and G1 to G3
Verify that your integration has correct responses to notifications. See Notification tool.
Step 4: Verify and go live
Follow the instructions to go live.