Trustly
国家/地区: 瑞典 (SE) | 底层清算轨道: open_banking
OnlineBanking
市场普及率: 10%
Trustly 是源自瑞典的领先开放银行与网银直连即时支付系统，以无需银行卡的账户直连（A2A）和极速资金清算为核心，广泛用于跨境电商、泛娱乐及大额消费结账。
🔄 用户付款交互流 (User Flow)
- User selects Trustly / Direct Bank e-Payments at checkout
- User chooses their bank (Swedbank, SEB, Nordea, Handelsbanken, etc.)
- User authenticates securely with Mobile BankID
- User selects source account and signs instant direct bank debit
- Payment is confirmed immediately
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant initiates payment order via Trustly API or PSP gateway
- Trustly establishes secure open banking session with issuing bank
- Funds are cleared and settled instantaneously via Trustly's internal ledger
- Merchant receives real-time webhook callback and releases goods
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen