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Trustly for API only

Add Trustly to an existing API-only integration.

Accept Trustly payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

Before you begin

This page assumes you have already:

Build your payment form for Trustly

Include Trustly in the list of available payment methods.

We provide logos for Trustly which you can use on your payment form. For more information, refer to Downloading logos.

If you are using the /paymentMethods to show available payment methods to the shopper, specify the following:

The response contains paymentMethod.type: trustly.

Make a payment

From your server, make a /payments request, specifying:

  • paymentMethod.type: trustly
  • countryCode: The shopper's country in a two-letter country code format. Include this in the request for a better shopper experience. When the shopper is redirected to Trustly's website, the country will be automatically selected from the dropdown list.

The /payments response contains an action object with the information needed to redirect the shopper.

Handle the redirect

  1. To complete the payment, redirect the shopper to the action.url returned in the /payments response.

When using the HTTP GET method:
For security reasons, when displaying the redirect in the app, we recommend that you use SFSafariViewController for iOS or Chrome Custom Tabs for Android, instead of WebView objects. Also refer to the security best practices for WebView.

  1. After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:

    • details: Object that contains the URL-decoded redirectResult returned when the shopper was redirected back to your site.

You receive a response containing:

  • resultCode: Use this to present the result to your shopper.
  • pspReference: Our unique identifier for the transaction.

Present the payment result

Use the  resultCode that you received in the /payments/details response to present the payment result to your shopper.

The resultCode values you can receive for Trustly are:

resultCode Description Action to take
Authorised The payment was successful. Inform the shopper that the payment has been successful.
You will receive the funds in 3 days.
Cancelled The shopper canceled the payment while they were on the Trustly-hosted payment page. Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Error There was an error when the payment was being processed. Inform the shopper that there was an error processing their payment. The response contains a refusalReason, indicating the cause of the error.
Pending or
Received
The shopper has completed the payment but the final result is not yet known. Inform the shopper that you've received their order, and are waiting for the payment to be completed.
To know the final result of the payment, wait for the AUTHORISATION webhook.
Refused The payment was refused by the shopper's bank. Ask the shopper to try the payment again using a different payment method.

If the shopper failed to return to your website or app, wait for webhooks to know the outcome of the payment. The webhooks you can receive for Trustly are:

eventCode success field Description Action to take
AUTHORISATION false The transaction failed. Cancel the order and inform the shopper that the payment failed.
AUTHORISATION true The shopper successfully completed the payment. Inform the shopper that the payment has been successful and proceed with the order.
OFFER_CLOSED true The shopper did not complete the payment. Cancel the order and inform the shopper that the payment timed out.

Recurring payments

Recurring payments using Trustly can only be processed in Sweden and requires additional configuration. Contact Support Team team to enable this.

We support recurring transactions for Trustly. To make recurring payments, you need to:

  1. Create a shopper token.
  2. Use the token to make future payments for the shopper.

Create a token

To create a token, include in your /payments request:

When the payment has been settled, you receive a webhook containing:

  • eventCode: RECURRING_CONTRACT
  • originalReference: The pspReference of the initial payment.
  • pspReference: This is the token that you need to make recurring payments for this shopper.

Make sure that your server is able to receive RECURRING_CONTRACT as part of your standard webhooks. You can enable the RECURRING_CONTRACT event code in the webhook settings page.

Make a payment with a token

To make a payment with the token, include in your /payments request:

  • paymentMethod.storedPaymentMethodId: The pspReference from the RECURRING_CONTRACT.

    You can also get this value by using the /listRecurringDetails endpoint.

  • shopperReference: The unique shopper identifier that you specified when creating the token.

  • shopperInteractionContAuth.

  • recurringProcessingModel: Subscription or UnscheduledCardOnFile.

For more information about the shopperInteraction and recurringProcessingModel fields, refer to Recurring transaction types.

Chargebacks

In rare scenarios (around 0.2% of all cases), it is possible that you do not receive the funds even after receiving a successful AUTHORISATION webhook. The successful AUTHORISATION webhook means that the payment has passed the verifications that the issuer and Trustly run on the shopper account, and that the bank transfer was initiated successfully. However, the payment can still fail for the following reasons:

  • The shopper cancelled the transaction. Banks in some countries (including Germany) allow shoppers to cancel bank transfers until midnight of the day of the transaction.
  • Some banks process transactions with a delay and do not block the funds for an authorized Trustly payment. For example, if the shopper completes a Trustly payment on a Saturday, the bank might only process it on Monday. If the shopper has withdrawn sufficient funds in the meantime, the payment will fail.

In these cases, Adyen is not informed that the transaction failed. We also don't know whether the bank might still process it later.

On our side, the status of the payment is SentForSettle until we receive the funds. You can check the status of the payment in your Customer Area.

If we have not received the funds after 8 calendar days, the status of the payment becomes Settled, then Chargeback, and you receive a CHARGEBACK webhook.

You cannot defend Trustly chargebacks.

In case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.

Test and go live

Use the test credentials provided by Trustly. When prompted for a one-time passcode, copy the one-time passcode provided in the form. You can then check the status of Trustly test payments in your Customer Area > Transactions > Payments.

Before you can accept live Trustly payments, you need to submit a request for Trustly in your live Customer Area.

See also