Pay out insurance
Build integration to pay out insurance directly to customers' bank accounts
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.
Payout flow
A typical payout flow is:
- Make sure that your Trustly account has enough funds to make the payout. You can schedule a daily Balance API call to ensure that your Trustly account has enough funds for the day.
Note: Funds must be transferred from your company bank account to your Trustly account before the payout can be made. No credit is given.
- When your system makes payouts to the customer according to the approved insurance claim, it checks whether it already has the customer's bank account details.
- If you do not have the customer's bank account details, your system needs to call SelectAccount so that the customer can select account for Trustly to respond with an
AccountID
- It sends an API call to
SelectAccount
to get the customerAccountID
. - Your system presents Trustly to the customer where they can select a bank, enter bank account details and amount to receive the payout.
- Trustly sends an Account notification to your system with an
AccountID
for the selected account. - If your system have the customer's bank account details, you need to call RegisterAccount so that Trustly will register the account and responds with an AccountID:
- Your system sends an API call to
RegisterAccount
with the customer's bank account details. - Trustly registers the account and responds with an
AccountID
. - Your system includes the
AccountID
,Amount
, andCurrency
for the payout in an API call to API methodAccountPayout
.
Note: An
AccountID
does not expire in Trustly system, so it can be used for multiple AccountPayout requests.
- Your system includes the
AccountID
,Amount
, andCurrency
for the payout in an API call to API methodAccountPayout
. - Trustly returns a synchronous response to let you know that the
AccountPayout
request has been received. - Trustly sends the following notifications:
- Cancel notification when the payout is cancelled.
- Credit notification when the payout fails.
- Account notification to tell you more information about the selected bank account when the the customer has selected one.
- Payout confirmation when the money is successfully transferred from the the customer account in your system to their bank account.
- Your system responds to the received notifications.
Step 1: Integrate your system with Trustly
Develop the business logic according to the payout flow.
-
Make sure that your integration follows security requirements. See Security.
-
A customer makes an insurance claim.
-
When your system makes payouts to the customer according to the approved insurance claim, it checks whether it already has the customer's bank account details.
-
If you do not have the customer's bank account details, your system needs to call SelectAccount so that the customer can select account for Trustly to respond with an
AccountID
.- Your system sends an API call to
SelectAccount
to get the customer'sAccountID
. - Your system presents Trustly to the customer where they can select a bank, enter bank account details and amount to receive the payout.
- Trustly sends an Account notification to your system with an
AccountID
for the selected account.
- Your system sends an API call to
-
If your system have the customer's bank account details, you need to call RegisterAccount so that Trustly will register the account and responds with an
AccountID
.- It sends an API call to
RegisterAccount
with the customer's bank account details. - Trustly registers the account and responds with an
AccountID
.
- It sends an API call to
-
Your system includes the
AccountID
,Amount
, andCurrency
for the payout in an API call to API methodAccountPayout
. -
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
There is no Trustly checkout interaction. You need to create an interaction for the customers to accept the loans with Trustly.
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:
- AccountPayout API calls
- SelectAccount API calls
- RegisterAccount API calls
- Verify that your integration has correct responses to notifications. See Notification tool.
Step 4: Verify and go live
Follow the instructions to go live.
Updated 7 months ago