about trustly

The global leader in Pay by Bank

Our mission is to offer optionality, with a smart payment alternative. We democratize payments, liberating merchants from their dependence on cards.

Trusted by
Trustly is trusted by Light & Wonder
Trustly Open Banking solutions are trusted by T-Mobile
Trustly Open Banking solutions are trusted by Coinbase
Trustly Open Banking solutions are trusted by DraftKings
Trustly Open Banking solutions are trusted by GoFundMe
Trustly Open Banking solutions are trusted by FanDuel
Trustly Open Banking solutions are trusted by ICE Mortgage Technology
Trustly Open Banking solutions are trusted by Viasat
Trustly Open Banking solutions are trusted by MoneyGram
Trustly Open Banking solutions are trusted by Dell
Trustly Open Banking solutions are trusted by Point & Pay
Trustly Open Banking solutions are trusted by Western Union
Our Mission

Pay by Bank with Trustly helps merchants grow their business

Our Pay by Bank solutions optimize cost, conversion, and CLV—letting consumers pay directly from their bank accounts while giving merchants the tools and insights to build stronger consumer relationships at a better price than cards.

We remove complexity and high-costs by adding efficiency and accessibility to the payments ecosystem. Our modern Pay by Bank infrastructure enables Trustly to upgrade the complete payment experience.

We offer the most flexible guaranteed payments, instant payouts, KYC capabilities, and data to supercharge financial experiences and delight consumers.  

Our history

Our rich Pay by Bank heritage

While others try to retrofit Open Banking for payments, we've been perfecting this approach for 15+ years. The result? Superior data quality that powers not just seamless experiences but unprecedented consumer insights that help merchants boost lifetime value while capturing more revenue.

Today, we serve 9,000 merchants, connecting them with 650 million consumers and 12,000 banks in over 33 countries. We have facilitated more than $500 billion in Pay by Bank payments since our founding.

Our North American story

2012
PayWithMyBank, a Silicon Valley startup, founded by Alexandre Gonthier
2019
PayWithMyBank merges with Trustly AB of Sweden to become Trustly, Inc.
2024
Pay by Bank Total Payments Value (TPV) approaches $100 billion
2025
Leading Pay by Bank in gaming, billers, telecoms, and everyday spend

Meet our North American leadership team

Alexandre Gonthier

Founder & CEO

Alexandre Gonthier
Founder & CEO

Alex is the Founder & CEO of Trustly, Inc., the successor to PayWithMyBank, Inc., which he started incubating in 2011 in New York, founded in 2012 in Silicon Valley, and merged with European-based Trustly AB in 2019. Alex is from Switzerland, so it’s no surprise he’s a money expert. Since 1997, he has been a founder and entrepreneur, building several successful payments companies. Prior to PayWithMyBank/Trustly Alex was CEO and co-founder of iPIN (acquired by Aepona and, subsequently, by Intel Corp.), a leading digital payments platform for Visa, Wells Fargo, HSBC, AT&T, Verizon, Vodafone, Orange, BT, and GM. Alex was also the CTO of mobile payments company Paymo, which merged with Boku (LON: BOKU), the global leader in carrier billing-based mobile payments fueling customers like Amazon, Apple, EA, Google, Meta, Microsoft, Netflix, Sky, Spotify, Tencent, and Sony. As CEO and Director of digital ticketing platforms Trinity Mobile and Ticketscript (now part of Eventbrite, NYSE: EB), he learned firsthand about payments from the merchant acceptance perspective. Alex was previously an Advisor to private equity firm 3i (LON: III) and a Venture Partner at venture capital firm Wellington Partners in London, with investments including BuyVIP, acquired by Amazon, and Ruckus Wireless, which went public on Nasdaq and is now part of ARRIS (NASDAQ: ARRS).

Ezio Fernandes

Co-founder & CTO

Ezio Fernandes
Co-founder & CTO

Ezio is a Computer Scientist from Brazil, where he started programming when he still had to sit at the kids’ table. He has been the chief software architect and lead programmer at several prominent companies for over 18 years. Prior to PayWithMyBank, Ezio led technical teams at the Brazilian telecommunications regulatory agency, Anatel, and at Claro Mobile, the largest mobile phone network in the Americas. Ezio’s experience in payments comes from 3 years at BOKU as Chief Architect, and 5 years at the Xerox research and development center in Brazil. He also worked as consultant and/or lead architect on several projects for companies including CTBC Bank, TIM, Telefonica, Merrill Lynch and ArcelorMittal. Ezio has a degree in Computer Science from the Universidade Federal do Espírito Santo in Brazil.

Adam D'arcy

Chief Product Officer

Adam D'arcy
Chief Product Officer

Adam D'Arcy is a seasoned Chief Product Officer with over 20 years of experience in consumer product development and fintech innovation. Before joining Trustly, Adam was the Chief Product Officer at Prodigy Finance where he transformed the product culture and constructed a high-performing team. Previously, Adam led the financial product development for Gojek and HSBC. At HSBC, he was responsible for creating PayMe, which became Hong Kong’s largest and most successful payments app, used by 60% of the region’s population and over 60,000 merchants. Adam looks forward to bringing his extensive experience and passion for product-led innovation to Trustly as he drives the team’s next phase of growth and success.

Craig McDonald

Chief Business Officer, Enterprise

Craig McDonald
Chief Business Officer, Enterprise

Craig is a financial technology veteran with over 17 years’ experience working to solve the payments challenges for companies of every size and vertical. Prior to PayWithMybank, Craig spent three years with MoneyGram supporting its 2,700 financial institution clients, a $2 billion portfolio, and the company’s digital distribution. Previously, Craig held executive positions at Nexxo Financial (acquired by MoneyGram), Valista/iPIN (acquired by Aepona and subsequently Intel Corp.). At Valista, Craig was COO and managed worldwide expansion with customers such as AT&T, Verizon, AOL, General Motors, British Telecom, France Telecom, NTT DOCOMO, and others. Craig has a B.S. in Electrical Engineering and Computer Science from Michigan State University.

Kathryn McCall

Chief Legal & Compliance Officer

Kathryn McCall
Chief Legal & Compliance Officer

Kathryn is responsible for overseeing all of Trustly’s legal activities and policies, including corporate governance, securities, intellectual property, and compliance and regulatory affairs. She has extensive experience working with technology companies. Before joining Trustly, Kathryn was a partner for the law firm of Sideman & Bancroft, LLP in San Francisco and prior to that was Of Counsel with Carr & Ferrell, LLP in Menlo Park, California. She has over 20 years of experience in corporate governance, securities regulation, financings (both debt and equity), commercial agreements, and mergers and acquisitions. Kathryn speaks regularly on corporate governance matters as well as financings and mergers and acquisitions. Kathryn graduated cum laude with a Bachelor of Science in Business Administration (double emphasis in Marketing and Finance) from the University of Southern California and received her law degree from California Western School of Law.

Uri Zelmanovich

Chief Financial Officer

Uri Zelmanovich
Chief Financial Officer

Uri has over 20 years of progressive leadership experience in finance and operations, with the past decade in Payments/Fintech. Prior to joining Trustly in May of 2022, Uri was Vice President of Finance at Early Warning Services (“EWS”), a leading payments and identity risk management fintech and the operator of the Zelle®️ real-time payments network. As a key member of the team that brought Zelle to market, Uri helped navigate a period of significant investment, hyper-growth and transformation at the bank consortium-owned entity. Prior to EWS, Uri held leadership positions with PandoLogic (fka RealMatch), TMP/Monster Worldwide, and he began his career with Ernst & Young’s Management Consulting practice. He is a graduate of NYU’s Stern School of Business, where he earned his MBA in Corporate Finance.

Investors who believe in our mission

Our impact

$500B+
Payments to date
9K+
Merchants
30+
Countries
110M+
Consumers to date

Trustly in the news

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Our impact is growing and so is our team!