Trustly Pricing [2025]: Budget Guide for UK Businesses

For UK businesses exploring open banking payments, understanding what you’ll pay isn’t always straightforward. While Trustly is a well-known provider across Europe, its pricing details aren’t easy to find. Many platforms list custom fees only after onboarding begins, making it harder for startups and finance teams to plan ahead.

This blog will give you a clear, easy-to-understand overview of Trustly’s pricing in 2025. We’ll look at the services Trustly offers, how its fee structure generally works, and what that might mean for your business. We’ll also cover some key considerations if you’re comparing options, especially if your operations are based in the UK.

If you’re looking for predictable pricing, faster setup, or a provider that’s more tailored to UK businesses, we’ll also introduce a practical alternative worth considering.

What Trustly Offers

Trustly is one of the more established open banking providers in Europe, widely used by platforms in sectors like e-commerce, financial services, travel, and iGaming. While it’s not exclusive to the UK, many businesses consider it for its broad coverage and reputation for reliability.

Here’s a breakdown of what Trustly offers and how each feature might benefit your operations:

1. Pay by Bank (A2A Payments)

Trustly allows customers to make payments directly from their bank accounts, bypassing cards entirely. This method is secure, fast, and doesn’t require customers to register or input sensitive card details.

Why it matters:

• Reduces transaction costs by cutting out card processing fees
• Eliminates chargebacks, since transactions are authorised through the customer’s bank
• Ideal for checkout flows where speed and trust are critical

2. Real-Time Payouts and Refunds

Beyond accepting payments, Trustly also enables businesses to send funds back to users, whether it’s a refund, a cashback offer, or a withdrawal from a gaming or finance platform.

Why it matters:

• Improves customer satisfaction by reducing payout wait times
• Helps businesses manage operational risk through verified bank connections
• Useful for industries like trading, lending, betting, or travel

3. Multi-Currency and Cross-Border Support

Trustly operates across a large number of European markets and supports multiple currencies. For businesses that serve EU customers or operate platforms in more than one country, this can simplify payment operations.

Why it matters:

• Reduces the need to manage separate local providers
• Handles FX as part of the flow, reducing operational friction
• Compatible with most major European banks

4. Trusted User Experience

Trustly’s interface is familiar and widely used in parts of Europe, especially in the Nordics and Germany. It supports branded checkout and pre-filled user data via secure bank authentication.

Why it matters:

• Higher trust factor leads to better conversion at checkout
• Reduced drop-off compared to card or manual bank transfer options
• No additional apps or passwords needed by the end user

5. Built for Enterprise-Scale Payments

Trustly is often integrated by large businesses that process thousands of transactions daily. It provides robust support for high volumes, compliance-heavy industries, and multi-market operations.

Why it matters:

• Strong infrastructure for scaling payments in regulated or fast-moving sectors
• Supports recurring workflows and custom payout rules
• Partner integrations with major PSPs, platforms, and gateways

Understanding Trustly Pricing in 2025

Trustly does not publish its pricing directly on its official website, which can be a challenge for UK businesses trying to forecast transaction costs or compare providers. However, data available through Trustly’s payment partners gives us a fairly accurate picture of how the pricing generally works in practice.

Here’s what businesses should know:

1. Per Transaction Fees (Approx. 1.5% + Minimum Fee)

Trustly typically charges a percentage-based fee per transaction. Industry sources such as QuickPay confirm that this is commonly set at 1.5% of the transaction value, with a minimum charge of €0.80 per transaction. This means that even very small transactions are subject to that minimum cost.

For example:

• A £10 transaction could still incur a fee close to £0.70 due to the minimum charge
• Larger transactions would scale based on the 1.5% rate, unless negotiated

For high-volume merchants, especially in sectors like gaming, travel, or e-commerce, custom pricing may be available depending on transaction volume and risk profile.

2. No Setup or Monthly Platform Fees

One advantage with Trustly is that it does not charge setup fees or monthly recurring fees to businesses. This can make it easier to integrate for platforms that meet their eligibility requirements, as there are no fixed costs to get started.

However, this only applies to direct integrations. If you’re accessing Trustly through a payment processor or platform, those providers may layer on their own fees.

3. Minimum Revenue Requirement (€5M Annually)

Another factor UK businesses need to be aware of is Trustly’s minimum eligibility threshold. Some partners list a €5 million annual e-commerce revenue requirement to qualify for direct integration with Trustly.

This makes Trustly more suitable for medium to large enterprises. Startups or SMEs with lower transaction volumes may not be able to work with Trustly directly unless going through a PSP or reseller.

4. Extra Costs to Watch For

While the core pricing focuses on per-transaction fees, there are additional costs that may apply depending on your use case:

• Currency Conversion Fees: If you’re accepting payments in currencies other than GBP, FX margins will apply. These are typically not itemised up front.
• Refund and Payout Costs: Trustly enables instant refunds and payouts, but these may be priced differently depending on your setup.
• Third-Party Platform Fees: If you use Trustly through a payment platform, additional service or integration fees may be bundled in.

Summary for UK Businesses

Trustly’s pricing is designed for established businesses operating across Europe. It offers competitive rates for companies that meet volume and revenue thresholds, but for early-stage startups or smaller UK firms, it may not be the most accessible or transparent choice.

If you’re looking for clearer pricing, lower volume requirements, and UK-specific support, it may be worth exploring providers like Finexer, which offer more predictable, usage-based models built around smaller teams and faster integration timelines.

Finexer: A More Accessible UK Alternative

Trustly is a solid option for high-volume, pan-European platforms, but it may not suit every business. If you’re a UK-based startup, SME, or a team that values clear pricing and faster access, Finexer stands out as a more accessible and cost-conscious alternative.

Here’s why many UK businesses are choosing Finexer over providers like Trustly:

✅ Designed for UK-only payments

Finexer was built specifically for UK businesses. It connects to 99% of UK banks using Open Banking and supports domestic A2A payments, refunds, and bank data access — all within a single platform.

There’s no need to navigate cross-border complexities or pay extra for features you won’t use.

✅ Transparent, Usage-Based Pricing

Where Trustly requires a custom quote and often sets a minimum fee per transaction, Finexer uses a simple usage-based model. You only pay for what you use, without setup costs, monthly minimums, or hidden charges.

This makes it easier to estimate costs and plan budgets — especially for early-stage teams that need predictability.

✅ Fast Go-Live for Startups and Lean Teams

Finexer offers a developer-friendly API and pre-built tools that support faster onboarding. Many businesses go live within a few days, not weeks.

Unlike enterprise providers that require sales consultations and compliance checks upfront, Finexer lets you test everything in the sandbox — no pressure, no billing until you’re ready.

✅ Full Payment and Data Suite in One Dashboard

Finexer isn’t just for collecting payments. It also offers:

• Real-time payouts
• Account verification and income checks
• Transaction enrichment
• Merchant-level categorisation
• FCA-authorised infrastructure

You can handle all this from a single dashboard, with no need to juggle multiple tools or vendors.

✅ No Minimum Revenue Requirements

One of the biggest barriers with Trustly is the €5 million revenue requirement often listed by its partners. Finexer has no minimum threshold to get started. Whether you process a dozen transactions a week or thousands per month, you can begin on the same platform and scale as you grow.

Should You Choose Trustly?

Choosing the right open banking provider comes down to more than brand recognition; it’s about fit. While Trustly is a reputable name with wide adoption across Europe, it isn’t always the best option for every business, especially those focused on the UK market.

Here’s a quick recap to help you decide:

✅ Choose Trustly if:

• You operate across multiple European markets
• Your platform handles high transaction volumes (often above €5 million annually)
• You want access to multi-currency support and strong cross-border payout tools
• You’re comfortable with quote-based pricing and custom negotiation

✅ Choose Finexer if:

• Your business is UK-only or UK-first
• You want clear, usage-based pricing from day one
• You need fast setup with no onboarding or monthly fees
• You prefer one dashboard for A2A payments, KYC, data enrichment, and payouts
• You value FCA-authorised infrastructure and bank coverage across 99% of UK accounts