Payout funds

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 methods

There are two types of payout methods from Trustly, AccountPayout and Withdraw.
Select the type that best suits your needs.

• AccountPayout: You send the payout call to Trustly with the AccountID generated from a previous Deposit, SelectAccount or RegisterAccount. There is no need for customer interaction in this flow
• Withdraw: You re-direct the customer to the Trustly Checkout flow where they authenticates themselves towards their bank, followed by selecting the bank account they want the funds paid out to.

AccountPayout flow

The AccountPayout method is used by merchants to transfer money to their customer's bank accounts. The merchant specifies the receiving bank account in the AccountPayout call by using the AccountID parameter, which is a unique identifier generated by Trustly. The merchant can get the AccountID from the account notification which is sent after a SelectAccount or a Deposit order has been completed.

Alternatively, the RegisterAccount method can be used to get the AccountID, if the merchant already has the bank account details and want to register them in Trustly's system.

A typical AccountPayout flow is:

1. The customer enters the amount to withdraw from their wallet.
2. You should verify the payout request and send out the AccountPayout API call which should include the AccountID.
   1. If the customer already deposited with Trustly before you should have the AccountID saved in your system.
   2. If the customer never deposited with Trustly you should obtain the AccountID by calling SelectAccount or RegisterAccount APIs.
   3. If the payout will be denied, then you should not send any API calls to Trustly.
3. Trustly returns a synchronous response to let you know that the AccountPayout request has been received and the payout is being processed.
4. Trustly may send the following notifications:
   1. Cancel notification if the payout is canceled.
   2. Payout confirmation when the funds are successfully sent from Trustly.
   3. Credit notification if the payout fails.
5. Your system must respond to the received notifications.

Withdraw flow

A typical Withdraw flow is:

1. Your system sends an API call to Withdraw.

2. Trustly responds with a checkout URL and OrderID.

3. You should redirect the customer to the Trustly checkout where the customer will confirm the withdrawal request to the specified bank.

4. The customer should be redirected back to your system.

5. Trustly does nothing with the withdrawal request until it has been approved or denied by you with ApproveWithdrawal or DenyWithdrawal.

   • When your system sends DenyWithdrawal, Trustly will reject the withdrawal request and sends a cancel and credit notification to your system.
   • When your system sends ApproveWithdrawal, Trustly will process the withdrawal request.

6. 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 canceled or failed.

7. Your system responds to the received notifications.

Step 1: Integrate your system with Trustly

The business logic withdrawing funds consists of payout flow to transfer money from our Trustly account to your customers.

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.
2. Make sure that your integration follows security requirements. See Security.
3. A customer makes a request to withdraw funds.
4. Your system sends an API call to either AccountPayout or Withdraw.

1. Make sure that your system logs and handles error codes that are returned from API calls. See Error handling.
2. 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:

• Withdraw API calls
• DenyWithdrawal API calls
• ApproveWithdrawal API calls
• Deposit API calls
• Built-in test cases of acceptance testing: D1 to D5, and G1 to G3
• Verify that your integration has the correct responses to notifications. See Notification tool.

Step 4: Verify and go live

Follow the instructions to go live.