Information on the Trustly payment method.


Trustly provides the ability to make online payments directly from your bank account in a secure way. In addition to allowing for quick and easy payments, no sign-up or software installation is required.

Trustly is a licensed payment institution authorized and supervised by the Swedish Financial Supervisory Authority. It holds a European Payment Services Provider (PSP) license in accordance with the Payment Services Directive. A Trustly payment uses strong two-factor authentication.

Some of the main benefits of offering Trustly as a payment method are:

User Experience


At the checkout, the customer chooses Trustly as their preferred payment method:

Trustly - User Journey - 1

The customer is then redirected to a Trustly-hosted bank selector page:

Trustly - User Journey - 2

Before proceeding with the payment, the consumer has the option to save their details for future purchases:

Trustly - User Journey - 3

The consumer continues to the bank authentication page:

Trustly - User Journey - 4

On the bank page, the consumer grants access to their bank before the payment is initiated:

Trustly - User Journey - 5

They authenticate via SCA:

Trustly - User Journey - 6

Access to the bank is confirmed and the consumer redirects back to Trustly:

Trustly - User Journey - 7

On the Trustly page, the consumer continues with the payment:

Trustly - User Journey - 8

They redirect to their bank where they see the payment details and confirm the payment:

Trustly - User Journey - 9

They authorise the payment using SCA:

Trustly - User Journey - 10

The payment is confirmed and the consumer is redirected to the marchant’s page:

Trustly - User Journey - 11


Please also see our videos below, outlining the desktop and mobile use of Trustly:




Merchants do not need to have an account with Trustly

How to activate Trustly

Merchants do not need to have an account with Trustly

Environment Activation details
Production This payment method is available upon positive review of your request. For more information, please contact your Viva sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

*You may visit our Test Cards and Environments page for further information on how to make test payments with Trustly.

Merchant Categories

There are some merchant categories that are not eligible to have Trustly activated. If your business is in one of these categories, you will not be able to accept payments through Trustly:

Merchant Category (MCC) Description
5094 Precious Stones and Metals, Watches and Jewelry
5122 Drugs, Drug Proprietors, and Druggist’s Sundries
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
5912 Drug Stores and Pharmacies
5962 Direct Marketing – Travel Related Arrangements Services
5966 Direct Marketing- Outbound Telemarketing Merchant
5967 Direct Marketing – Inbound Teleservices Merchant
5999 Miscellaneous and Specialty Retail Stores
7322 Debt collection
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
9223 Bail and Bond Payments

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

If desired, you can download and use this icon on your site or online store, in order to show customers you offer Trustly as a payment method:

Payment Method Icon - Trustly

Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!