> This page is for North America.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://trustly.ferndocs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://trustly.ferndocs.com/_mcp/server.

# Overview & Solutions

Trustly provides a global, proprietary Pay by Bank network, built on Open Banking technology. Merchants can integrate a single solution for direct, secure payments and data retrieval from consumers' bank accounts worldwide. This connection enables high-volume, low-latency transactions and deep consumer insights.

### Quickstart

Follow these steps to build a standard Trustly Pay integration:

* [Integrate the client-side SDK](/integrate/get-started/quickstart): Add the JavaScript library to your frontend to render the bank selection UI.
* [Accept payments with Trustly Pay](/integrate/accept-payments/trustly-pay): Implement the server-side logic to authorize or capture funds.
* [Test your integration](/integrate/api-fundamentals/testing): Use the Trustly Sandbox to simulate successful payments and error scenarios.

The happy path workflow typically takes an hour or less to complete.

---

### Build your workflow

Select a product workflow to begin coding.

#### [Accept payments](/integrate/accept-payments/trustly-pay)

Integrate the SDK, authorize transactions, and accept payments with Trustly Pay.

#### [Send money](/integrate/send-money/send-payouts-using-online-banking)

Send payouts using online banking or account details, and transfer funds internationally.

#### [Retrieve data](/integrate/retrieve-data/verify-accounts-using-online-banking)

Verify identities, tokenize accounts, check ownership (Micro Challenge Deposit), and access financial insights.

---

## Explore solutions

Browse the catalog of Trustly solutions to determine which payment rails, data retrieval methods, or authorization workflows best fit your business needs.

> **Info**
>
> Most Trustly products, including Pay, Payouts, and ID, require the integration of the [Client-Side SDK](/integrate/get-started/quickstart) to launch the Trustly Lightbox for user authentication.

The following table lists the available Trustly products and their relevant documentation resources.

<table>
  <thead>
    <tr>
      <th>
        Product
      </th>

      <th>
        Primary Use Case
      </th>

      <th>
        Core Function
      </th>

      <th>
        Key Resources
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        **Trustly Connect**
      </td>

      <td>
        Instant Account Verification (IAV) and linked account retrieval.
      </td>

      <td>
        Retrieves and authenticates bank account information in real-time for compliance and risk mitigation.
      </td>

      <td>
        * [Verify accounts and retrieve data](/integrate/retrieve-data/verify-accounts-using-online-banking)
        * [SDKs](/sdks)
        * [API Ref (Account Data)](/api-reference/api/account-data/get-transaction-account-summary)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Cross-Border**
      </td>

      <td>
        International money transfers and foreign exchange handling.
      </td>

      <td>
        Enables cross-border payments with full International ACH Transaction (IAT) compliance data.
      </td>

      <td>
        * [Transfer funds internationally](/integrate/send-money/international-transfers)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly ID**
      </td>

      <td>
        Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance and identity verification during onboarding.
      </td>

      <td>
        Provides verified identity data derived from consumer bank account information.
      </td>

      <td>
        * [Verify identity with Trustly ID](/integrate/retrieve-data/trustly-id)
        * [SDKs](/sdks)
        * [API Ref (Identity)](/api-reference/api/identity/get-trustly-id-user-data)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Insights**
      </td>

      <td>
        Cash flow analysis and Non-Sufficient Funds (NSF) risk assessment.
      </td>

      <td>
        Pulls real-time transaction data and account balance to support informed financial decisions.
      </td>

      <td>
        * [Access insights data](/integrate/retrieve-data/insights-data)
        * [SDKs](/sdks)
        * [API Ref (Account Summary)](/api-reference/api/account-data/get-transaction-account-summary)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Instant Payments (Deprecated)**
      </td>

      <td>
        Standard e-commerce checkouts and one-time purchases.
      </td>

      <td>
        Authorizes and captures funds in a single step (immediate capture).
      </td>

      <td>
        * [Accept Instant Payments](/integrate/accept-payments/instant-payments)
        * [SDKs](/sdks)
        * [API Ref (Capture)](/api-reference/api/transactions/post-transactions-transaction-id-capture)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Pay**
      </td>

      <td>
        Digital wallets, iGaming deposits, and high-frequency trading platforms.
      </td>

      <td>
        Establishes a deferred authorization (long-running token) for recurring use.
      </td>

      <td>
        * [Authorize and capture](/integrate/accept-payments/trustly-pay)
        * [SDKs](/sdks)
        * [API Ref (Capture)](/api-reference/api/transactions/post-transactions-transaction-id-capture)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Payouts**
      </td>

      <td>
        Real-time disbursements and instant withdrawal processing.
      </td>

      <td>
        Issues secure payouts to a customer bank account in seconds using real-time payment rails.
      </td>

      <td>
        * [Send payouts](/integrate/send-money/send-payouts-using-account-information)
        * [SDKs](/sdks)
        * [API Ref (Deposit)](/api-reference/api/transactions/post-transactions-deposit)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Recurring Payments**
      </td>

      <td>
        Subscription billing and long-term payment authorizations.
      </td>

      <td>
        Establishes a secure mandate or recurring token to allow for automated, ongoing debits from a customer bank account.
      </td>

      <td>
        * [Accept Recurring Payments](/integrate/accept-payments/recurring-payments)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Remember Me**
      </td>

      <td>
        Streamlined checkout and returning user recognition.
      </td>

      <td>
        Allows returning consumers to skip bank selection and login steps, completing payments with a single click.
      </td>

      <td>
        * [Enable Trustly Remember Me](/integrate/accept-payments/remember-me)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Scan and Pay**
      </td>

      <td>
        Physical gaming environments, Electronic Gaming Machines (EGMs), and cashless wagering.
      </td>

      <td>
        Enables users to fund physical gaming machines by scanning a QR code to authenticate on their mobile device.
      </td>

      <td>
        * [Integrate Trustly Scan and Pay](/integrate/accept-payments/scan-and-pay)
      </td>
    </tr>

    <tr>
      <td>
        **Trustly Token Authority**
      </td>

      <td>
        Recurring payments and reducing Payment Card Industry (PCI) financial data liability.
      </td>

      <td>
        Substitutes sensitive bank information with non-sensitive tokens for secure, streamlined processing.
      </td>

      <td>
        * [Tokenize bank information](/integrate/retrieve-data/tokenize-bank-information)
        * [API Ref (Token Authority)](/api-reference/api/accounts/get-accounts-verify)
      </td>
    </tr>
  </tbody>
</table>