Introduction to Trustly Direct Debit

Trustly Direct Debit (TDD)

TDD enables convenient bank transfers and payments through Direct Debit schemes. Both one-click payments and interaction-free payments (suitable for subscriptions) are supported. The service is based on a mandate from the consumer for Trustly to debit his/her bank account.

Two different types of services are offered:

  1. Trustly QuickDeposit (Scenario 1): A service where consumer interaction is possible and the consumer pays with just one click without having to sign the payment. This is suitable for e.g. e-commerce.
  2. Trustly Recurring (Scenario 2 and 3): A service where consumer interaction is not possible, where the payment is pulled from the consumer’s bank account by the merchant sending a request to Trustly. This is suitable for e.g. subscriptions.

1.1 Mandate registration - deposit with QuickDeposit attribute

In order to initiate a Deposit and let the consumer choose to sign up for a recurring mandate, the attribute QuickDeposit with the value "1" shall be included in the Deposit call.

Three notifications will be sent, one account notification (sent immediately after the deposit is done, including the accountid attribute), one credit notification and a second account notification when the mandate registration is completed (which usually is done by next bank day). The value for accountid should then populate the attribute ChargeAccountID, which needs to be included in upcoming quick deposits.

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If a mandate already exists at Trustly for this account, there will only be one account notification sent with the direct debit mandate confirmation.

The credit notification is the same as for a regular Deposit call.

1.2 Deposit with QuickDeposit functionality

When the deposit has been done and you have received an account notification including an accountid, you are able to perform a QuickDeposit. This is done by calling Deposit and setting the ChargeAccountID attribute to the accountid from the account notification and QuickDeposit to "1". If the QuickDeposit can be processed, we will respond with URL = null.

If the mandate is invalid or if the exposure limit is exceeded, Trustly will respond with a regular URL in order to make a standard Deposit using the Trustly iframe.

The credit notification is the same as for a regular Deposit call.

2.1 Mandate registration - deposit with request of Direct Debit mandate

In order to initiate a Deposit and in the meantime require the consumer to sign up for a recurring mandate, the attribute "RequestDirectDebitMandate" with value "1" should be included in the Deposit call.

Three notifications will be returned, one account notification (immediately after the deposit is done, including the accountid), one credit notification and a second account notification when the mandate registration is completed (which usually is done by next bank day). The value for accountid should be used in upcoming recurring payments (using the Charge call, see next step). The credit notification is the same as for a regular Deposit call.

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If a mandate already exists at Trustly for this account, there will only be one account notification sent with the direct debit mandate confirmation.

2.2 Charge request for recurring payments

When the mandate (account notification with directdebitmandate = 1 has been received) is in place, it's time to create a transaction by calling the Charge method. The credit notification notification is the same as for a regular deposit.

The Charge function needs to be called once each time a payment should be made.

3.1 SelectAccount with request of Direct Debit mandate.

When a consumer just need to sign up for a subscription and no Deposit should be made, the SelectAccount method should be used together width the RequestDirectDebitMandate attribute set to "1". This will give the consumer the possibility to login to their bank and choose which bank account that should be used for recurring payments.

When the SelectAccount method is done, Trustly will send two account notifications. The first one including details about the consumer and the accountid, which is needed for recurring payments. The second account notification will be sent when the mandate registration is completed.

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If a mandate already exists at Trustly for this account, there will only be one account notification sent with the direct debit mandate confirmation.

3.2 Charge request for recurring payments.

When the mandate (account notification with directdebitmandate = 1 has been received) is in place, it's time to create a transaction by using the Charge method. The credit notification is the same as for a regular deposit.

The Charge function needs to be called once each time a payment should be made.