PayWithMyBank (Trustly)
PayWithMyBank is the U.S. "Pay by Bank" brand of Trustly, a global open-banking payments provider that lets merchants accept payments directly from a consumer's bank account as an alternative to cards. The paywithmybank.com domain now redirects to Trustly, whose AMER developer platform exposes a REST Payments API (OpenAPI 3.1) covering transactions (establish, capture, deposit, cancel, reclaim, refund), payments retrieval, bank-account tokenization and verification, customer records, identity (Trustly ID), account data, dispute recovery, and asynchronous event notifications (webhooks). Authentication is HTTP Basic with a provisioned accessId/accessKey plus a server-generated requestSignature for the client-side Lightbox. Trustly operates the largest open-banking payments network with 12,000+ connected banks across 30+ countries.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles PayWithMyBank (Trustly) the way a machine reads it — 29 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — PayWithMyBank (Trustly) scores 51.4/100 (developing), with a separate agent-readiness read of 51/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile PayWithMyBank (Trustly)
Each block below is one kind of artifact we hold for PayWithMyBank (Trustly). For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 12
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
PayWithMyBank (Trustly) accountData API
The accountData API from PayWithMyBank (Trustly) — 4 operation(s) for accountdata.
PayWithMyBank (Trustly) accounts API
The accounts API from PayWithMyBank (Trustly) — 3 operation(s) for accounts.
PayWithMyBank (Trustly) countries API
The countries API from PayWithMyBank (Trustly) — 1 operation(s) for countries.
PayWithMyBank (Trustly) customers API
The customers API from PayWithMyBank (Trustly) — 2 operation(s) for customers.
PayWithMyBank (Trustly) disputeManagement API
The disputeManagement API from PayWithMyBank (Trustly) — 1 operation(s) for disputemanagement.
PayWithMyBank (Trustly) identity API
The identity API from PayWithMyBank (Trustly) — 3 operation(s) for identity.
PayWithMyBank (Trustly) networkCheckApi API
The networkCheckApi API from PayWithMyBank (Trustly) — 1 operation(s) for networkcheckapi.
PayWithMyBank (Trustly) paymentProviders API
The paymentProviders API from PayWithMyBank (Trustly) — 1 operation(s) for paymentproviders.
PayWithMyBank (Trustly) payments API
The payments API from PayWithMyBank (Trustly) — 2 operation(s) for payments.
PayWithMyBank (Trustly) transactions API
The transactions API from PayWithMyBank (Trustly) — 10 operation(s) for transactions.
PayWithMyBank (Trustly) verifyCustomer API
The verifyCustomer API from PayWithMyBank (Trustly) — 1 operation(s) for verifycustomer.
PayWithMyBank (Trustly) API
The API API from PayWithMyBank (Trustly) — 0 operation(s) for api.
Scroll within the panel for all 12 ·
Open Collections 12
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONaccountData API
OPEN COLLECTIONaccountData accounts API
OPEN COLLECTIONaccountData countries API
OPEN COLLECTIONaccountData customers API
OPEN COLLECTIONaccountData disputeManagement API
OPEN COLLECTIONaccountData identity API
OPEN COLLECTIONaccountData networkCheckApi API
OPEN COLLECTIONaccountData paymentProviders API
OPEN COLLECTIONaccountData payments API
OPEN COLLECTIONaccountData transactions API
OPEN COLLECTIONaccountData verifyCustomer API
OPEN COLLECTIONScroll within the panel for all 12 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
PayWithMyBank (Trustly) MCP Server
Official hosted MCP server published by Trustly (PayWithMyBank) for AI client integration (Claude Code, Cursor, etc.), advertised in the developer docs llms.txt. Serves the AMER...
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Paywithmybank Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for PayWithMyBank (Trustly) — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/paywithmybank · machine-readable index on apis.io
This is an independent, third-party profile of PayWithMyBank (Trustly), published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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