Trustly Account Payout (TrustlyInstantBankWithdrawal)

Provider Trustly offers bank transfer withdrawal for various countries in Europe.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
363	TrustlyInstantBankWithdrawal	WithdrawnByProvider

Payment method interaction type: Sychronous execution (see Interaction Types).

Redirect Integration

Currently not supported.

Backend2BackendIntegration

The merchant needs to pass the payment account ID received in the TrustlyInstantBankDeposit with active account notification.

Example initiatePaymentRequest:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<merchantID>Merchant</merchantID>
	<shopID>Shop</shopID>
	<merchantTransactionID>2d3700ac-8381-4f97-9bb5-5e2107f8cb49</merchantTransactionID>
	<paymentMethodID>363</paymentMethodID>
	<amount currencyCode="EUR">1.99</amount>
	<userID>18109be0-b3c8-4482-bfc0-447d1b</userID>
	<userData>
		<username>18109be0-b3c8-4482-bfc0-447d1b</username>
		<address>
			<countryCode2>AT</countryCode2>
		</address>
		<dateOfBirth>1965-06-09T00:00:00</dateOfBirth>
	</userData>
	<userIP>127.0.0.1</userIP>
	<userSessionID>83392ab4-e15b-44ac-b59d-784145d2a188</userSessionID>
	<creationTypeID>1</creationTypeID>
	<paymentAccountID>60713af6-6a9a-40fc-ba3a-bbf7d31fab88</paymentAccountID>
</initiatePaymentRequest>

Example initiatePaymentRequest with userdata (required if the preceding payment was a Trustly Pay N Play registration):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<merchantID>Merchant</merchantID>
	<shopID>Shop</shopID>
	<merchantTransactionID>2d3700ac-8381-4f97-9bb5-5e2107f8cb49</merchantTransactionID>
	<paymentMethodID>363</paymentMethodID>
	<amount currencyCode="EUR">1.99</amount>
	<userID>18109be0-b3c8-4482-bfc0-447d1b</userID>
	<userData>
                <username>Ninjauser123</username>
                <firstname>ninja</firstname>
                <lastname>user </lastname>
                <address>
                        <street>Eggelstad 91</street>
                        <houseName>Eggelstad 91</houseName>
                        <postalCode>275 36</postalCode>
                        <city>Sjöbo</city>
                        <countryCode2>SE</countryCode2>
                        <telephoneNumber>1111111111</telephoneNumber>
                </address>
                <dateOfBirth>1962-05-12T00:00:00</dateOfBirth>                                
</userData>
	<userIP>127.0.0.1</userIP>
	<userSessionID>83392ab4-e15b-44ac-b59d-784145d2a188</userSessionID>
	<creationTypeID>1</creationTypeID>
	<paymentAccountID>60713af6-6a9a-40fc-ba3a-bbf7d31fab88</paymentAccountID>
</initiatePaymentRequest>

Example initiatePaymentResponse:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID></merchantID>
		<shopID></shopID>
		<paymentMethod>
			<key>363</key>
			<value>TrustlyInstantBankWithdrawal</value>
		</paymentMethod>
		<merchantTransactionID>a326c8cf-363b-4f8d-88f3-3f6317f6af1a</merchantTransactionID>
		<paymentID>045dec62-1f74-4e01-a044-3815722a4fc6</paymentID>
		<userID>94a2561b-5103-48ee-9274-0f322e</userID>
		<paymentProvider>
			<key>114</key>
			<value>Trustly</value>
		</paymentProvider>
		<amount currencyCode="EUR">4.96</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>db47e586-708d-4594-9d4b-866c0eddad88</id>
			<definition>
				<key>240</key>
				<value>ToBeWithdrawnByProvider</value>
			</definition>
			<createdOn>2020-08-10T12:02:47.9063643Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">4.96</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>48504808</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>217341</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>60713af6-6a9a-40fc-ba3a-bbf7d31fab88</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

The payment can reach one of the following states in the initiatePaymentResponse:

Payment States	Description
ToBeWithdrawnByProvider	Payment to be withdrawn, payment should be updated to WithdrawnByProvider state within 2 minutes
WithdrawErrorReportedByProvider	Error state; errors are logged in the PaymentStateAdditionalDetails fields ProviderErrorCode and ProviderErrorMessage
WithdrawCommunicationErrorOccurred	Error state (in the event of a time out)
InitiateErrorReportedByProvider	Error state; errors are logged in the PaymentStateAdditionalDetails fields ProviderErrorCode and ProviderErrorMessage
InitiateRequestProviderCommunicationErrorOccurred	Error state (in the event of a time out)

Example initiatePaymentResponse WithdrawErrorReportedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>TrustlyInstantBankWithdrawalShop</shopID>
		<paymentMethod>
			<key>363</key>
			<value>TrustlyInstantBankWithdrawal</value>
		</paymentMethod>
		<merchantTransactionID>d0a26339-48b1-4395-abfd-a5a6a845ce24</merchantTransactionID>
		<paymentID>48cefe71-13a0-426a-83c1-22a6e1a6ca90</paymentID>
		<userID>1ad71be4-8f36-4368-8187-35bd45</userID>
		<paymentProvider>
			<key>114</key>
			<value>Trustly</value>
		</paymentProvider>
		<amount currencyCode="EUR">6.0200</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>33e48c70-d40b-4641-8375-3ded54007945</id>
			<definition>
				<key>21</key>
				<value>WithdrawErrorReportedByProvider</value>
			</definition>
			<createdOn>2021-09-27T07:35:35.977</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorMessage</key>
					<value>Refused (602)</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorCode</key>
					<value>602</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">6.0200</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>271596</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>41278730</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>d9ee74d4-cc03-4e77-928c-453dcb5af69c</paymentAccountID>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>

Example initiatePaymentResponse WithdrawCommunicationErrorOccurred:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>XXXXXXXX</merchantID>
		<shopID>XXXXXXXX</shopID>
		<paymentMethod>
			<key>363</key>
			<value>TrustlyInstantBankWithdrawal</value>
		</paymentMethod>
		<merchantTransactionID>dbb6f61d-0161-47ba-b4fc-63ec21a81d84</merchantTransactionID>
		<paymentID>d72bd96f-cb60-4544-b518-219c0d638478</paymentID>
		<userID>b4701958-feeb-4b29-934a-434287</userID>
		<paymentProvider>
			<key>114</key>
			<value>Trustly</value>
		</paymentProvider>
		<amount currencyCode="EUR">5.95</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>e4947bc0-7405-4199-95c1-11f941d2e937</id>
			<definition>
				<key>576</key>
				<value>WithdrawCommunicationErrorOccurred</value>
			</definition>
			<createdOn>2021-09-14T07:39:57.4514676Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">5.95</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>78628772</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>269644</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>1039b115-4320-46ec-ac3b-0da1230fd867</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse InitiateErrorReportedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>XXXXXXXX</merchantID>
		<shopID>XXXXXXXX</shopID>
		<paymentMethod>
			<key>363</key>
			<value>TrustlyInstantBankWithdrawal</value>
		</paymentMethod>
		<merchantTransactionID>261e38df-0d73-4aff-a855-a6c157f2a033</merchantTransactionID>
		<paymentID>2d9f4ce7-3880-4d16-bc2b-c2e31afe2461</paymentID>
		<userID>627f9eea-cca7-486c-893e-803833</userID>
		<paymentProvider>
			<key>114</key>
			<value>Trustly</value>
		</paymentProvider>
		<amount currencyCode="EUR">99</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>1f30e6a5-02cd-40d3-b118-ea7205ddcae7</id>
			<definition>
				<key>4</key>
				<value>InitiateErrorReportedByProvider</value>
			</definition>
			<createdOn>2021-09-14T07:39:50.4826655Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorMessage</key>
					<value>Refused (602)</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorCode</key>
					<value>602</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">99</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>269642</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>4cdc4f38-8e69-47ab-b7d3-43e544b1b7c3</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse InitiateRequestProviderCommunicationErrorOccurred:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>XXXXXXXX</merchantID>
		<shopID>XXXXXXXX</shopID>
		<paymentMethod>
			<key>363</key>
			<value>TrustlyInstantBankWithdrawal</value>
		</paymentMethod>
		<merchantTransactionID>3e524de9-87e2-4edc-b3d0-1fb02225a014</merchantTransactionID>
		<paymentID>f18a7a9e-57c5-44cf-90f9-9abc7946f789</paymentID>
		<userID>53c6e707-b677-4ac5-824e-18b0cb</userID>
		<paymentProvider>
			<key>114</key>
			<value>Trustly</value>
		</paymentProvider>
		<amount currencyCode="EUR">666</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>f5ce2f3e-6359-4073-80a5-dbaa119cb369</id>
			<definition>
				<key>325</key>
				<value>InitiateRequestProviderCommunicationErrorOccurred</value>
			</definition>
			<createdOn>2021-09-14T07:39:47.7638887Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">666</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>269641</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>34da1ec4-73ff-44fa-a3e8-cc6b65631fde</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

The following states are returned in handlePaymentStateChangedNotification:

Payment States	Description
WithdrawnByProvider	Success state This state is reached 2 minutes after the state ToBeWithdrawnByProvider
RefusedByProvider	Error state; errors are logged in the PaymentStateAdditionalDetails field ProviderReturnCode

Notifications

The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see PaymentStateChangedNotification.

Example handlePaymentStateChangedNotificationRequest:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
       <payment xsi:type="paymentWithPaymentAccount">
              <merchantID>B2BTestMerchant</merchantID>
              <shopID>TrustlyBankTransferWithdrawalShop</shopID>
              <paymentMethod>
                     <key>24</key>
                     <value>BankTransferWithdrawal</value>
              </paymentMethod>
              <merchantTransactionID>e6673f4c-f550-425e-8399-edc46ec1ba77</merchantTransactionID>
              <paymentID>baf68a49-5f20-464d-9f91-8750b0b48e72</paymentID>
              <userID>552b14e0-cd15-4a38-be91-d7e74b</userID>
              <paymentProvider>
                     <key>114</key>
                     <value>Trustly</value>
              </paymentProvider>
              <amount currencyCode="EUR">10.0000</amount>
              <creationType>
                     <key>1</key>
                     <value>User</value>
              </creationType>
              <userIP>127.0.0.1</userIP>
              <state>
                     <id>b5902473-1d55-42d7-bb3e-3e409651d19d</id>
                     <definition>
                           <key>20</key>
                           <value>WithdrawnByProvider</value>
                     </definition>
                     <createdOn>2017-07-14T13:16:03.54</createdOn>
                     <paymentStateDetails>
                           <detail xsi:type="keyStringValuePair">
                                  <key>ProviderReturnCode</key>
                                  <value>1</value>
                           </detail>
                     </paymentStateDetails>
              </state>
              <isExecuted>true</isExecuted>
              <baseAmount currencyCode="EUR">10.0000</baseAmount>
              <paymentDetails>
                     <detail xsi:type="keyStringValuePair">
                           <key>ProviderExternalID</key>
                           <value>70571</value>
                     </detail>
                     <detail xsi:type="keyStringValuePair">
                           <key>UserFirstname</key>
                           <value>Patrick</value>
                     </detail>
                     <detail xsi:type="keyStringValuePair">
                           <key>UserLastname</key>
                           <value>Fitzgerald</value>
                     </detail>
                     <detail xsi:type="keyStringValuePair">
                           <key>ProviderTransactionID</key>
                           <value>2422610363BDD</value>
                     </detail>
              </paymentDetails>
              <paymentAccount>
                     <paymentAccountID>7d431c69-101b-41e4-a53c-df67e296aaf7</paymentAccountID>
                     <details>
                           <detail xsi:type="keyStringValuePair">
                                  <key>TrustlyPaymentAccountToken</key>
                                  <value>3bfb7131-2431-438c-8bca-39a73753cd7d</value>
                           </detail>
                     </details>
              </paymentAccount>
       </payment>
</handlePaymentStateChangedNotificationRequest>