Risk Management

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.

Trusted by
Benefits

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.

How it Works

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.

Override declined transactions for non-guaranteed approvals
Reduce processing costs with flexible guarantee options
Deploy your own risk rules alongside our AI decisions
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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.

Real-time balance verification for optimized timing
Spending pattern analysis for smarter underwriting
Affordability signals to maximize approval rates
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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.

Shared fraud intelligence across our Pay by Bank network
Continuously improving risk models from ecosystem data
Network-wide bad actor detection and prevention
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Get started with Trustly 

Contact our payment experts to learn more about what you can build using our Pay by Bank solutions.

Relevant pages and resources

Pay by Bank
Open Banking
Pay by Bank: The Secret Behind Merchant Loyalty and CLV
Gaming
Pay by Bank
The Hidden Costs of Payment Steering in Gaming
Pay by Bank
Product & Engineering
Risk
Secure Open Banking Payments: How Trustly uses Machine Learning to prevent fraud