Trustly Pay-in Product description March 2020 - March 2020
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TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
March 2020
Trustly Pay-in
Product description
March 2020
© 2020 TRUSTLY GROUP AB 1
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
March 2020
1. Executive Summary
Trustly’s Pay-in product allows consumers to execute bank payments to merchants
from thousands of European banks. The payment is done by means of a bank
credit transfer set up in the consumer’s online bank and is an alternative to making
a payment using a bank card, e-wallet or invoice. Trustly provides a payment
initiation service which automatically populates the transfer details on behalf of
the consumer. Consumers do not have to register an account with Trustly or go
through a sign up process; they simply use their familiar online banking credentials
and authentication.
To cater to banks that do not currently support Automated Pay-ins, we also offer
Manual Pay-ins. Consumers are presented with the payment details necessary to
conduct a manual bank transfer. Please see the “Manual Pay-in Product description”
appendix (Appendix B) for more information.
Trustly takes receipt of Pay-ins in its own recipient bank account. This enables
Trustly to provide merchants with real-time payment notifications, a Back Office
dashboard showing the status of all payments across countries and currencies,
FX management functionality, and one-click refunds. This is delivered through
one integration and one agreement. Trustly settles funds to merchants in the
merchants’ preferred currency (“merchant settlement”) and charges merchants
a fee for each transaction.
The distribution of this document is subject to a non-disclosure agreement between Trustly and yourselves.
© 2020 TRUSTLY GROUP AB 2
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 2. The Pay-in product 2.1. Automated Pay-in Trustly’s Automated Pay-in product enables consumers to pay from their online bank accounts, supporting instant credit notifications from thousands of European banks. Transfers are received and reconciled by Trustly and then settled to merchants’ own bank accounts. Trustly aims to support Automated Pay-ins for at least 80% of bank account holders (consumers), in any European market. Since Trustly controls the entire payment flow, upon request from our merchants, we can also reverse a transaction, either partially or in full, and make a pay-out to the originating bank account (also known as a refund). FIGURE 1 “THE PAY-IN PRODUCT” © 2020 TRUSTLY GROUP AB 3
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.2. Pay-in consumer experience
Consumers initiate payments in Trustly’s iframe, which is embedded
in the checkout or accessible via a redirect.
Payment flow
1 2
Choose country Choose bank
This choice is either presented to consumers Consumers select their bank from a list of the
or selected by merchants in the local attributes available banks for the specific market.
of the iframe.
3 4
Initiate payment Choose account to make
payment from
Consumers initiate the payment using
their regular online banking credentials. Consumers will only see their bank
Trustly supports the most popular accounts which have sufficient funds to
authentication methods for each bank. make the payment
5 6
Payment successful!
Verify payment Payment completed
Consumers use their regular online Consumers are redirected to a success/fail URL.
banking credentials to verify payments.
© 2020 TRUSTLY GROUP AB 4
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 2.3. Authentication methods Trustly makes it easy to pay online and on mobile by supporting the latest technologies available, such as Mobile BankID, fingerprint ID sensor, Face ID and text message authentication. We also support the traditional authentication methods such as tokens, one-time password generators and scratch cards. © 2020 TRUSTLY GROUP AB 5
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.4. Devices
The Trustly payment method is optimized for all user devices (laptop, desktop,
mobile, tablet). It has a responsive user experience and supports retina displays.
Trustly also fully supports native iOS and Android apps. When integrating Trustly
within your iOS or Android app, colors can be customized, and the background
is transparent, so any background color/image set within your app will become
visible, giving you full flexibility to brand the interface to your app.
FIGURE 2 “TRUSTLY ON MOBILE AND NATIVE IOS APP”
© 2020 TRUSTLY GROUP AB 6
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 2.5. Remember recurring customers Consumers can choose to save their personal ID (or login/client ID) in the iframe so that Trustly can pre-populate the field the next time they pay using Trustly. We also remember the language and bank choice so that consumers will not have to make these choices on their next use. 2.6. Custom statement text The merchant can add a custom text to the reference on the consumer’s statement. The reference will contain the 10-digit Trustly reference code plus the text of choice. It is set by the merchant via the API call. The number of characters shown on statements varies between banks (so in some banks the text might be cut off). 2.7. Languages The Trustly iframe supports English and native language for all supported countries. The language settings can either be set by automatically applying consumers’ browser language settings; or by merchants setting the language attributes when requesting the service to be presented; or by active consumer choice in the language selector. The Back Office currently supports English and Spanish. © 2020 TRUSTLY GROUP AB 7
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.8. Coverage
Trustly’s Pay-in product currently supports the majority of
European markets, including all domestic currencies in the
EU. We currently support Automated Pay-ins from over 3,300
banks and are continually expanding our bank network.
Trustly aims to support Automated Pay-ins for the 80% of
bank account holders (consumers) in any European market,
and in core markets, the coverage already exceeds 90%.
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© 2020 TRUSTLY GROUP AB 8
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.9. Currently supported banks
Please see appendix A, page 18 “Currently supported banks” to see which banks
we support to date (March 2020).
2.10 Merchant settlements
Merchants are able to settle funds accumulated from consumer payments
from their Trustly account to their own bank account. Settlements are done in
batches, meaning an aggregated balance is settled in one transfer rather than
one settlement transfer for each incoming payment. This is not to be confused
with a pay-in settlement, when a pay-in from a consumer settles into Trustly’s
receiving bank account.
FIGURE 3 “MERCHANT SETTLEMENT”
Designated account
The merchant’s settlement accounts need to be verified by Trustly and settlements
can only be made to bank accounts that are verified. (Such accounts are referred to
in the merchant agreement as a “designated account.”) Verification of designated
bank accounts is done during the customer due diligence process before a
merchant goes live. If needed, a new account can be verified after going live by
contacting your Account Manager.
© 2020 TRUSTLY GROUP AB 9
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
Settlement frequencies
Settlements can be set to be processed automatically at the frequency
preferred by the Merchant (daily, weekly, monthly, etc.), and can also be initiated
manually from the Back Office. Merchants receive net balance settlements (fees
deducted), or gross settlement where required by law.
Settlement currency
Settlements are usually made in the same currency as the Trustly client account.
However, merchants can choose to receive settlement in any Trustly-supported
currency. Trustly currently supports the following currencies for settlements:
CZK, DKK, EUR, GBP, NOK, PLN and SEK. Additional currencies can be made
available on request.
Settlement times
Settlements are processed as a regular bank transfer, so funds are typically
credited to the designated account the next bank day. This may vary depending
on the clearing and settlement systems involved.
2.11. Refunds
Once a payment has settled, the merchant can request a partial or full refund
(not higher than the original payment) to the same bank account from which the
payment came.
FIGURE 4 ‘THE TRUSTLY MODEL’
© 2020 TRUSTLY GROUP AB 10TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 2.12. Reporting and reconciliation Trustly’s services can all be monitored, reconciled and operated using the API features, which are fully integrated into merchants’ existing reporting systems or via the graphical online merchant interface, the Back Office. This interface includes all the tools needed to reconcile, check currency balances, order fundings and refunds, request settlements, process transactions manually, read or export the account ledger or other data, and carry out FX orders. Access to the Back Office is fully flexible with individual logins and different user-level access rights. By default, access management utilizes two-factor authentication using one-time codes sent via SMS as well as IP-restrictions. Typically, all data available in the Back Office is available to export in CSV (comma separated values) format. CSV files are easily imported into Microsoft Excel for further reconciliation or analysis. Trustly offers Back Office training and tutorials upon request. FIGURE 5 ‘BACK OFFICE ACCOUNT BALANCES’ © 2020 TRUSTLY GROUP AB 11
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.13 Notifications and limits
Trustly communicates with the merchant through notifications.
Pending notification
The deposit call will be replied to with a pending notification if the request is
successful and not stopped by our risk system, e.g. because of fraud. The pending
notification verifies that the transaction will be processed.
Credit notification
The credit notification Is sent by Trustly when the goods or services can be
shipped/when the balance can be topped up. This does not, however, necessarily
mean that the transaction has settled. It’s up to the merchant to decide if it wants
to accept some risk (see further details below) to enable quicker notifications.
The timing of the credit notification is controlled by settings in the risk system.
• If the amount is within the instant limit, a credit notification will be sent
instantly.
• If the amount is above the instant limit, the credit notification will be sent
when Trustly has received the payment from the consumer’s bank.
Debit notification
If the transaction does not settle for some reason, but a credit notification has
already been sent, Trustly will send a debit notification.
Trustly has a recommended instant limit for every bank, although these can
be changed upon merchant’s request in order to fit its needs. However,
Trustly’s recommended instant limits are based on the different behaviors and
features of different banks, so increasing them should be discussed with your
account manager.
© 2020 TRUSTLY GROUP AB 12TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
Instant vs delayed credit notification
• The timing of credit notifications can affect the speed of the transaction
for the user
• There is a possibility of loss for the merchant when instant credit notifications
are sent, but virtually none when delayed credit notifications are sent
Instant credit notification Delayed credit notification
Possibility of loss Virtually 0 possibility of loss
Merchant is notified that the funds are on their Merchant is only notified after the funds
way. However, if the funds do not settle, then a have settled in their Trustly account so
loss is incurred by the merchant. there is no possibility of loss.
1. Payment Initiation: 1. Payment Initiation:
User completes Trustly payment in iFrame User completes Trustly payment in iFrame
2. Credit notification: 2. Settlement of Funds:
Credit notification is sent instantly User’s funds settle in the Trustly merchant
3. Settlement of Funds: account
User’s funds settle in the Trustly merchant 3. Credit notification:
account Delayed credit notification is sent after the
funds have settled in the merchant’s Trustly
account
Due to diverse bank infrastructure systems, bank payments can settle with different
speed and possibility. For this reason, Trustly puts banks into 3 categories:
Standard Instant Limit Possibility of Loss Liability of Losses
€1,000 INSTANT
Optimised €2,200 (SE,FI) up to the instant limit YES Merchant
Basic €0 DELAYED NO N.A
INSTANT
Evaluation €200 up to the instant limit YES Trustly
FIGURE 6 “SETTLEMENT SPEED AND POSSIBILITY”
The instant limits are set per merchant, applied to the users’ bank accounts, and
are cumulative. There is a standard set of instant limits that apply if the merchant
doesn’t have specific requirements, however they can be configured to fit the
merchant’s needs.
© 2020 TRUSTLY GROUP AB 13TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
2.14. Multi-currency support
Integrated currency handling
The Trustly service has integrated currency handling, which lets consumers pay
in their local currency, while merchants settle in their sale currency. This is useful
if a webshop operates in one currency (e.g. EUR) and the consumer only has a
bank account in another currency (e.g. SEK). The consumer’s payment will be
in the relevant amount in SEK and the merchant will be credited in EUR in its
merchant balance.
FIGURE 7 “MULTI-CURRENCY SUPPORT”
Instant currency conversion
If merchants need to fund a currency that has insufficient balance in the client
funds account, currency can easily be converted from existing balances via the
Back Office merchant interface.
© 2020 TRUSTLY GROUP AB 14TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 3. Integration Trustly’s entire payment platform, including all products in all markets, is available through a single technical integration and one merchant agreement. This integration can be made in different ways: 3.1. Via API integration This is the most powerful way to integrate Trustly, as it will allow your business to take full advantage of our product portfolio. Basic knowledge of network programming and monetary transactions is required. Any operating system and any programming language can be used to integrate our API. You can find the full documentation and more details on trustly.com/developer. 3.2. Via PSPs/Third-party integration Payment service providers (PSPs) and third-party integrations offer services for accepting electronic online payments. The Trustly OBeP service can be integrated through PSPs/third-parties in different ways: 3.2.1 Collecting PSPs The merchant purchases and handles the pay-in service, including settlements and reconciliation through the PSP’s interface. Examples of collecting PSPs that offer Trustly are: 3.2.2. Technical PSP Technical integration is made between the merchant’s payment page and the PSP’s payment gateway, but the merchant has a direct commercial agreement with Trustly and access to Back Office. © 2020 TRUSTLY GROUP AB 15
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 Currently there are several Technical PSPs offering the Trustly pay-in product: 3.2.3 Third-party modules/e-commerce platforms Trustly also cooperates with e-commerce platforms and third-party module providers offering Trustly’s payment services. You can enable customers to pay with Trustly by either: entering into an agreement with Trustly and setting up the Trustly payment module in your web-shop; or, integrating Trustly with the help of your e-commerce platform provider. We currently support the following e-commercial platforms: Trustly modules are available for following shop systems: © 2020 TRUSTLY GROUP AB 16
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 4. Support 4.1. Trustly’s merchant support (second line) Communication channels The Merchant Technical Support team can be reached 24/7 via mail, ticketing system and phone. Trustly also provides User Support Center FAQ on our website. 4.2. Consumer support Based on its contractual relationship with merchants, Trustly offers second-line support to these merchants, and does not handle consumer (first-line) support. If Trustly receives consumer queries, they are in most cases redirected to the merchant that owns the consumer relationship. 4.3. Availability Trustly provides a market-leading, around-the-clock technical customer support 24 hours per day, 365 days per year. 5. About Trustly Trustly Group AB is a Swedish financial technology company that develops and sells online payment methods focused on collecting funds from and paying out funds to online bank accounts. We cater to e-merchants that want to collect payments straight from European consumers’ bank accounts or that want to pay out directly to consumers’ bank accounts in all of Europe. 5.1. License Trustly Group AB (corporate identity number 556754-8655) is a licensed Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (SW. Finansinspektionen). The company provides payment services in accordance with the Payment Services Act (2010:751) and provides cross-border payment services within the EU/EEA. © 2020 TRUSTLY GROUP AB 17
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 6. Appendices Appendix A “Currently supported banks” Austria Entry Step Bank Bank Name EntryStep Classification Austria BAWA BAWAG P.S.K. Basic Austria BKAU Bank Austria Basic Austria EASY Easybank Basic Austria GIBA Erste Bank and Sparkasse George Optimised Belgium Entry Step Bank Bank Name EntryStep Classification Belgium ARSP Argenta (Argenta Banque d'Epargne, ASPA) Evaluation Belgium BPOT bpost Evaluation Belgium GEBA BNP Paribas Fortis Optimised Belgium GKCC Belfius Bank Basic Belgium KRED KBC Bank Basic Bulgaria BUIN Allianz Bank Evaluation Bulgaria CECB Central Cooperative Bank (CCB) Evaluation Bulgaria FINV Fibank Evaluation Bulgaria STSA DSK Direct Basic Bulgaria TTBB Societe Generale Basic Czech Republic Entry Step Bank Bank Name EntryStep Classification Czech Republic BACX UniCredit Bank Czech Republic Evaluation Czech Republic BREX mBank Optimised Czech Republic CEKO Československá obchodní banka a. s. (CSOB) Basic Czech Republic CEKO Československá obchodní banka a. s. (CSOB) Evaluation Czech Republic FIOB Fio banka Smartbanking Evaluation Czech Republic GIBA Česká spořitelna Optimised Czech Republic KOMB Mojebanka (KB) Optimised Czech Republic RZBC Raiffeisen bank Optimised Czech Republic VBOE Sberbank CZ (previously Volsbank CZ) Evaluation © 2020 TRUSTLY GROUP AB 18
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 Appendix A ‘Currently supported banks’ Denmark Entry Step Bank Bank Name EntryStep Classification Denmark AAKR Kredit banken (AAKR) Optimised Denmark ALMB Alm. Brand Optimised Denmark DABA Danske Bank Optimised Denmark DJUR Djurslands Bank A/S Basic Denmark EBAN NORDJYSKE BANK A/S Basic Denmark JYBA Jyske Bank Basic Denmark JYBA Jyske Bank Optimised Denmark NDEA Nordea Bank Danmark Basic Denmark NSBK NORDFYNS BANK Basic Denmark OSBA OESTJYDSK BANK A/S Basic Denmark RING Ringkjøbing Landbobank, Aktieselskab Optimised Denmark SKJB SKJERN BANK Optimised Denmark SWES Sjælland, Sparekassen Basic Denmark SYBK Sydbank Basic Denmark SYBK Sydbank Optimised Denmark - #N/A Optimised Estonia Entry Step Bank Bank Name EntryStep Classification Estonia EEUH SEB Bank Optimised Estonia HABA Swedbank Optimised Estonia LHVB LHV Bank Optimised Estonia NDEA Nordea | Luminor Optimised Estonia - #N/A Optimised Finland Entry Step Bank Bank Name EntryStep Classification Finland AABA Ålandsbanken Optimised Finland DABA Danske Bank / Sampo Optimised Finland HAND Handelsbanken Optimised Finland HELS Aktia Optimised Finland ITEL Säästopankki (Finnish savings banks group) Optimised Finland NDEA Nordea Optimised Finland OKOY OP Optimised Finland OMSP Oma Säästopankki (Largest finnish savings bank) Optimised Finland POPF Pop pankki Optimised Finland SBAN S-pankki Optimised © 2020 TRUSTLY GROUP AB 19
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 Appendix A ‘Currently supported banks’ Germany Entry Step Bank Bank Name EntryStep Classification Germany BYLA Deutsche Kreditbank (DKB) Optimised Germany COBA Commerzbank Basic Germany COMD ComDirect Optimised Germany DABB DAB Bank Optimised Germany DEUT Deutsche Bank Basic Germany GENO Sparda Bank Basic Germany HYVE HypoVereinsbank / Unicredit Basic Germany INGD ING DiBa Optimised Germany NORS NORISBANK GMBH Basic Germany PBNK Postbank Optimised Germany SSKN Sparkasse Optimised Germany VOLK Berliner Volksbank* Optimised Hungary Entry Step Bank Bank Name EntryStep Classification Hungary MKKB MKB Bank Evaluation Hungary OKHB K&H Bank Basic Hungary OTPV OTP Bank Basic Latvia Entry Step Bank Bank Name EntryStep Classification Latvia HABA Swedbank Optimised Latvia PARX Citadele Banka Basic Latvia RIKO Luminor | DNB Optimised Latvia UNLA SEB Optimised Lithuania Entry Step Bank Bank Name EntryStep Classification Lithuania AGBL Luminor | DNB Basic Lithuania CBSB Šiaulių Bankas Optimised Lithuania CBVI SEB Optimised Lithuania HABA Swedbank Optimised Lithuania NDEA Luminor | Nordea Evaluation Netherlands Entry Step Bank Bank Name EntryStep Classification Netherlands ABNA ABN AMRO Optimised Netherlands ASNB ASN Bank Optimised Netherlands INGB ING Optimised Netherlands KNAB Knab Optimised Netherlands RABO Rabobank Optimised Netherlands SNSB SNS Bank Optimised Netherlands TRIO Triodos Bank Optimised Netherlands - #N/A Optimised © 2020 TRUSTLY GROUP AB 20
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 Appendix A ‘Currently supported banks’ Norway Entry Step Bank Bank Name EntryStep Classification Norway DABA Danske Bank Optimised Norway DNBA DNB Optimised Norway HAND Handelsbanken Optimised Norway NDEA Nordea Basic Norway SKIA Sbanken Optimised Norway SNOW Sparebank 1 Optimised Norway SPAV Sparebanken Vest Optimised Poland Entry Step Bank Bank Name EntryStep Classification Poland AGRI Credit Agricole Basic Poland AGRI Credit Agricole Optimised Poland ALBP Alior Bank Optimised Poland BIGB Bank Millennium Optimised Poland BPKO PKO Bank Polski Basic Poland BPKO PKO Bank Polski Optimised Poland BREX mBank Basic Poland BREX mBank Optimised Poland CITI Citi Handlowy Basic Poland CITI Citi Handlowy Optimised Poland EBOS BANK OCHRONY SRODOWISKA S.A. Optimised Poland GBGC Getin Bank Basic Poland GBGC Getin Bank Optimised Poland IEEA Idea Bank Optimised Poland INGB ING Bank Śląski Optimised Poland INGO Inteligo Basic Poland INGO Inteligo Optimised Poland IVSE INVEST-BANK SA Optimised Poland PKOP Bank Pekao Optimised Poland POCZ Bank Pocztowy Optimised Poland POLU BPS Optimised Poland TOBA Toyota Bank Optimised Poland WBKP Santander Optimised Poland - #N/A Optimised Romania Entry Step Bank Bank Name EntryStep Classification Romania BTRL Banca Transilvania (BT) Optimised Romania RNCB BCR (Banca Comercială Română) Evaluation © 2020 TRUSTLY GROUP AB 21
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020 Appendix A ‘Currently supported banks’ Slovakia Entry Step Bank Bank Name EntryStep Classification Slovakia BREX mBank Optimised Slovakia GIBA Slovenská sporiteľňa Optimised Slovakia KOMA Prima Banka Basic Slovakia OTPV OTP Banka Optimised Slovakia POBN Poštová banka Optimised Spain Entry Step Bank Bank Name EntryStep Classification Spain BBVA BBVA CX Optimised Spain BKBK Bankinter Basic Spain BSAB Banco Sabadell Basic Spain BSCH Banco Santander Basic Spain CAGL ABANCA Optimised Spain CAHM Bankia Basic Spain CAIX CaixaBank Basic Spain EVOB EVO Banco Basic Spain INGD ING DIRECT Basic Spain - #N/A Optimised Sweden Entry Step Bank Bank Name EntryStep Classification Sweden DABA Danske Bank Optimised Sweden ELLF Länsförsäkringar Optimised Sweden ESSE SEB Optimised Sweden FORX Forex Basic Sweden HAND Handelsbanken Optimised Sweden IBCA ICA Banken Basic Sweden NDEA Nordea Optimised Sweden SKIA Skandiabanken Optimised Sweden SSYD Sparbanken Syd Optimised Sweden SWED Swedbank Optimised Sweden - #N/A Optimised United Kingdom Entry Step Bank Bank Name EntryStep Classification United Kingdom ABBY Santander Optimised United Kingdom BARC Barclays Optimised United Kingdom CPBK The Co-operative Bank Evaluation United Kingdom HLFX Halifax Optimised United Kingdom LOYD Lloyds Bank Optimised United Kingdom MIDL HSBC Optimised United Kingdom MYMB Metro Bank Optimised United Kingdom NAIA Nationwide Optimised United Kingdom NWBK NatWest Optimised United Kingdom RBOS Royal Bank of Scotland Optimised United Kingdom TSBS TSB Optimised © 2020 TRUSTLY GROUP AB 22
TRUSTLY PAY-IN PRODUCT DESCRIPTION MARCH 2020
Appendix B “Manual Pay-in product description”
Manual Pay-in
To cater to banks that aren’t supported by Automated Pay-ins, we offer a manual
bank transfer solution. Consumers are presented with transfer details and
perform a manual bank transfer from their online bank or banking app.
Manual Pay-ins are credited at different speeds, up to 1 to 2 days, and there is no
risk of fraud.
Manual Pay-in consumer experience
Payment flow
1 2
Choose bank Payment details
Consumers choose a bank which does not Consumers are presented with the payment
currently support automated pay-ins, or they details necessary to conduct a manual bank
choose the “Other bank”-button. transfer.
Note: It is possible for the consumer to enter a faulty reference code or amount. A transfer with a faulty
reference code can be claimed by the merchant in the Back Office and a transfer with a faulty amount will
be credited according to the actual transfer.
© 2020 TRUSTLY GROUP AB 23You can also read
