Trustly Express Introduction

Reduce friction. Drive loyalty.

The days are gone when returning users had to select which bank they want to pay from and log in for every single payment. Trustly Express displays the last-used bank account for returning customers, enabling them to skip steps in the Trustly Checkout for a quicker, simpler, 1SCA payment experience.

Trustly Express is available through your existing Trustly integration and requires minimal development. Experience the power of Trustly Express by implementing the Trustly Widget, or build your own custom experience by making use of our API (see Trustly Express API).

For more information about which markets and banks support Trustly Express, please reach out to your Trustly Account Manager.

Trustly Widget

The Trustly Widget is the optimal method to present Trustly as a payment option to your customers. The Trustly Widget can be placed in your cashier alongside any other payment methods you offer, and handles the users’ bank account preferences without the need for you to handle the users’ account details. For detailed documentation on the Trustly Widget, read more here.

Trustly Express API

If you’re not able to use the Trustly Widget, Trustly Express can be implemented using our API and allows for customized integration.

Include the accountID attribute in the Deposit API call for a user that has made a previous Trustly Deposit. The accountID is a unique identifier for the customer's bank account that is generated by Trustly and shared in the Account notification after a completed Deposit.

When including the accountID in a Deposit API call, the EndUserID parameter should be the same as in previous Deposit API calls for the same end-user.

Request Parameters

Parameter nameDescriptionRequiredTypeExample
EndUserIDID, username, hash or anything uniquely identifying the end-user requesting the deposit. Should be the same as in previous Deposit API calls.YesText123123


Attribute nameDescriptionRequiredTypeExample
AccountIDBank account identifier obtained from a previously completed deposits Account Notification.YesText1234567890
NationalIdentificationNumberThe end-user's social security number / personal number / birth number / etc. If this is not included the user will have to manually enter their National ID each time. This adds unnecessary steps to the experience.Recommended for Sweden only. Must not be included for other markets.Text790131-1234
UnchangeableNationalIdentificationNumberThis attribute disables the possibility to change/type in a national identification number when logging in to a Swedish bank. If this attribute is sent, the attribute NationalIdentificationNumber needs to be correctly included in the request. Note: This is only available for Swedish banks.Recommended for Sweden only. Must not be included for other markets.Numeric1

Code Example


  "method": "Deposit",
  "params": {
    "Signature": "f4ThjuMqbsdG6u ... S16VbzD4h==",
    "UUID": "258a2184-2842-b485-25ca-293525152425",
    "Data": {
      "Username": "merchant_username",
      "Password": "merchant_password",
      "NotificationURL": "https://URL_to_your_notification_service",
      "EndUserID": "12345", //Same EndUserID as previous Deposit
      "MessageID": "your_unique_deposit_id",
      "Attributes": {
        "Country": "SE",
        "Locale": "sv_SE",
        "Currency": "SEK",
        "Amount": "100.00",
        "AccountID" : "1234567890", //AccountID from account notification
        "Firstname": "John",
        "Lastname": "Doe",
        "NationalIdentificationNumber": "19790131-1234", //Person ID for Swedish users
        "UnchangeableNationalIdentificationNumber": "1",
        "SuccessURL": "",
        "FailURL": ""
  "version": "1.1"


Unsupported banks

If the AccountID parameter is set for a bank that doesn’t yet support Trustly Express, the bank will be pre-selected in the Trustly Checkout but the customer will have to log in to the bank before approving the payment.
For more information about which markets and banks support Trustly Express, please reach out to your Trustly Account Manager.


AccountID in combination with RequestKYC

The AccountID attribute will be ignored for Deposit orders with RequestKYC. If you want to enable Trustly Express, exclude the RequestKYC attribute.

Trustly Express API presentation guidelines

To ensure the best user experience, display the Trustly payment option for the returning user together with the bank's logo and masked account number. The necessary details are shared in the Account notification.

Mandatory information to present:

  • Bank logo
  • Masked account number (descriptor)
  • Trustly logo

Trustly hosted bank logos
Use the clearinghouse and bank name received in the Account notification to obtain the bank logo as an asset.
Assets URL for the bank logos:[clearinghouse]/[bank]/round.png[clearinghouse]/[bank]/regular.png