Flexible risk management for Pay by Bank
Maximize approval rates while protecting your bottom line with intelligent payment decisions, transparent data, and guaranteed payment options.



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Risk management built for revenue growth
Leverage network
intelligence
Get better fraud detection and more accurate approvals through the most proven payment network.
Build smarter
strategies
Build better risk strategies with our AI that doesn't just make decisions—it explains them, giving you insights.
Boost customer
value
Optimize approval rates and payment costs so you can reinvest savings and keep customers coming back.
Choose your
guarantee
Override declined transactions for non-guaranteed approvals at lower costs, or go with a full guarantee.
Smarter risk management with the power of Pay by Bank
Our flexible risk solutions give you the data, tools, and override capabilities you need to maximize approvals and revenue while maintaining the protection you want.
Override transaction declines for more revenue
Take control when you know your customers best. Override our declined transactions to approve them as non-guaranteed payments, giving you more approvals at a lower cost.


Know your customers' payment affordability
Make smarter decisions with real-time account balance and spending pattern insights. Our bank-grade data helps you time payment requests for better conversion rates.
The Pay by Bank network that fights fraud better
Benefit from our global merchant ecosystem where millions of transactions continuously strengthen fraud detection and risk intelligence. Every payment makes our data smarter.
Get started with Trustly
Contact our payment experts to learn more about what you can build using our Pay by Bank solutions.