Pay with Trustly
(BRP-101 / GA2025.33)
Description
Trustly is an online banking payments solution that enables consumers and merchants to carry out in and out payments using their bank account. Our integration with Trustly supports both direct payment and recurring direct debit solutions.
Trustly SEPA Direct Debit (EU)
Description
Trustly SEPA is a payment solution that combines Trustly’s online banking payment service with the SEPA (Single Euro Payments Area) system.
Prerequisites
Trustly onboarding: Customers must be officially onboarded with Trustly to utilize this solution.
For Trustly SEPA, this includes being onboarded with Slimpay and have your own CID. Read more about that here https://docs.trustly.com/api/mdd#--sepa-directdebit
From Trustly documentation:
In the Sepa DirectDebit, there's actually no real mandate registered within the scheme and hence not really an advanced notification period. After setting up the mandate, a debit instruction may be sent right away.
As an equivalent mechanism however, there's a "No questions asked" mechanism available meaning that the end-user can revert the payment within the bank without any interference from the banks hence it becomes important that the end-user is aware of why the funds where deducted and also to whom. This we solve by making sure the end-user has access to the account when setting it up, the CID is merchant specific and the virtual account is used for collecting the funds. From: https://docs.trustly.com/api/mdd#--sepa-directdebit
Use Flow
The use flow outlines the process for creating subscription product, creating a Trustly mandate, processing payments, and handling the results:
Create a Subscription Product with Trustly Direct Debit:
Purchase Subscription and Create Trustly SEPA Direct Debit Mandate:
After adding the subscription to the cart, SEPA Direct Debit through Trustly will be available as a payment method in the GoActive 2.0 app and web. If the purchase is done through the GoActive web and the person already has a Trustly direct debit mandate, a list of their accounts will be shown when clicking on the “Pay now” button.
Trustly mandates can be created through Back Office, Point of Sale, GoActive 2.0 app or the GoActive Web. Regardless of where the mandate is created (BRP Cloud or GoActive), the user will be redirected to a Trustly checkout where they can connect a bank account:
Only customers with active Trustly mandates will have invoices included in the debit routine. The mandate activation process for Trustly SEPA is instant; it will be activated immediately and can be used for debiting the subscription.
When a customer initiates a Trustly Direct Debit payment, a TRUSTLY invoice is created and saved in the system before the customer completes the mandate setup. If the customer abandons the process at the mandate step, the invoice remains in the system in an unpaid state with no active mandate to collect it. We recommend you set up a follow-up point for missing valid Trustly mandate. Read more here: https://brpsystems.atlassian.net/wiki/x/XoFdJgE
Automatically Debit Subscriptions
Subscriptions with Trustly SEPA payment method will be included in the automatic debit routine.
The payment file is automatically uploaded to Trustly using SFTP communication.
The result file is automatically processed, and the corresponding invoices in BRP are updated accordingly.
Trustly Autogiro (SE)
Description
Trustly's autogiro solution is designed to function alongside customers existing autogiro routine. This solution can also be utilized without the need for an existing autogiro routine through BGC. The Trustly solution uses its own invoice type and generates separate payment files, providing a clear and distinct process for managing payments.
Key features of this solution include:
Independent Payment Files: Separate payment files for Trustly autogiro, ensuring a clean separation from other autogiro routines.
Flexibility: Can work with or without an existing autogiro process.
Dedicated Invoice Type: Trustly-specific invoices are processed separately within the system.
Prerequisities
Trustly onboarding: Customers must be officially onboarded with Trustly to utilize this solution.
Separate BankGiro (BG) number: A unique BG number, with Trustly designated as the service bureau, is required for this feature. Do NOT use same BG as for the normal autogiro flow.
Use Flow
The use flow looks the same for Trustly Autogiro as for Trustly SEPA. See information and images above.
Trustly Direct Debit Mandates
The Trustly direct debit mandates will be found on the person card in BRP Back Office under the “Finance” tab.
BRP Back Office → Persons → Find the person → Go to the “Finance” tab.
View all Trustly mandates.
BRP Back Office → Debiting → Trustly Direct Debit Mandates.
Managing Trustly subscriptions in BRP Back Office
Trustly subscriptions will use Autogiro, Bacs Direct Debit or SEPA Direct Debit for recurring payments depending on the facility’s location.
Manually debit subscriptions (create invoices & payment batch file)
Go to “BRP Back Office → Debiting → Debit direct debit subscriptions” and select payment option “Trustly Direct Debit”. Subscriptions can be automatically debited each month if scheduled, for all subscriptions that are on track to be debited for the upcoming month.
Create a payment file for existing invoices
To create a new payment batch file for existing invoices, go to the invoice list: BRP Back Office → Invoicing → Invoices. Choose filter, search and mark the invoices you want to include. Press the EFT-button to create a new payment batch file, which will be sent automatically to Trustly. Note that creating a payment file for “Type: Regular” invoices is also supported.
View Trustly payment files
To view Trustly payment batch files, go to “BRP Back Office → Log → Documents”, select “Category: Direct debit” and search. The date included in the file name is sent as “PaymentDate” to Trustly. If the payment date is “today”, the actual payment date will be the earliest possible date allowed by the current scheme (Autogiro, Bacs Direct Debit or SEPA Direct Debit). Result files include “report” in the file name, as well as the original batch file name for which the report is for.
Select a document/file to view the status. When we first request Trustly to process a file, the initial state is typically Pending. During this phase, the document is simultaneously updated with a Trustly Order ID. Once Trustly accepts the file, the batch status transitions to Handled. If a direct debit is revoked, the status will display as Cancelled.
For report files, the number of successful and failed charges will be displayed.
GoActive Web localization
Here are a few examples of how paying with Trustly is designed in the GoActive Web depending on market (facility location and browser language). The selected payment method in each example will redirect to Trustly checkout.
Purchase Subscription and Create Direct Debit Mandate
This checkout flow requires “Onboading with a payment” to be enabled in your agreement with Trustly. It allows to sign up for direct debit and make an initial payment with Trustly in the same flow.
One-time instant payments