What is Available Funds Guidance?

Available Funds Guidance is a feature of Trustly Pay. It provides consumers who initially receive a decline due to insufficient funds or exceeding preset limits an opportunity to complete the transaction by reducing the dollar amount.

This is an optional feature implemented by some merchants and therefore may not be available. When it is available and an eligible consumer is initially declined, the notification automatically presents an option to continue with the lower amount.

• If acted upon immediately, the lower amount transaction will complete successfully.
• If the consumer waits and tries again later, another decline and potentially a new notification may occur. Due to the nature of the dynamic balancing the risk engine performs, the new notification amount may be different or the notification may not appear at all.