Pay out insurance

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:

1. 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.

2. 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.
3. 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
4. It sends an API call to SelectAccount to get the customer AccountID.
5. Your system presents Trustly to the customer where they can select a bank, enter bank account details and amount to receive the payout.
6. Trustly sends an Account notification to your system with an AccountID for the selected account.
7. 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:
8. Your system sends an API call to RegisterAccount with the customer's bank account details.
9. Trustly registers the account and responds with an AccountID.
10. Your system includes the AccountID, Amount, and Currency for the payout in an API call to API method AccountPayout.

Note: An AccountID does not expire in Trustly system, so it can be used for multiple AccountPayout requests.

11. Your system includes the AccountID, Amount, and Currency for the payout in an API call to API method AccountPayout.
12. Trustly returns a synchronous response to let you know that the AccountPayout request has been received.
13. 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.

14. Your system responds to the received notifications.

Step 1: Integrate your system with Trustly

Develop the business logic according to the payout flow.

1. Make sure that your integration follows security requirements. See Security.

2. A customer makes an insurance claim.

3. 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.

4. 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.

   1. Your system sends an API call to SelectAccount to get the customer's AccountID.
   2. Your system presents Trustly to the customer where they can select a bank, enter bank account details and amount to receive the payout.
   3. Trustly sends an Account notification to your system with an AccountID for the selected account.

5. 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.

   1. It sends an API call to RegisterAccount with the customer's bank account details.
   2. Trustly registers the account and responds with an AccountID.

6. Your system includes the AccountID, Amount, and Currency for the payout in an API call to API method AccountPayout.

7. Make sure that your system logs and handles error codes that are returned from API calls. See Error handling.

8. 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.