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APIs · head to head

Microsoft Azure API Management vs Trustly

Microsoft Azure API Management logo

Microsoft Azure API Management

APIs

Hybrid, multi-cloud API management service on Azure

From
Free
Rated
-
Full reviewWebsite
Trustly logo

Trustly

APIs

Pay-by-bank payments network, majority-owned by private equity firm Nordic Capital

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Microsoft Azure API Management has a free tier, so it costs nothing to try first.
  • Each has a real cost: Microsoft Azure API Management prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales; Trustly it is majority-owned by Nordic Capital, a private equity firm, so its long-term roadmap is ultimately oriented toward an eventual sale or IPO rather than indefinite independent operation.
  • They diverge on capability: Microsoft Azure API Management covers API Gateway, Trustly covers Pay by bank checkout.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Microsoft Azure API Management and Trustly actually diverge.

Attributes where Microsoft Azure API Management and Trustly differ
AttributeMicrosoft Azure API ManagementTrustly
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsCloud, Hybrid, Multi-cloudWeb, API
Founded1975Unknown

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Microsoft Azure API Management

  • API Gateway
  • Developer Portal
  • API Policies
  • Azure services
  • AWS
  • Google Cloud
  • On-premises
  • Cloud support

Only in Trustly

  • Pay by bank checkout
  • Instant refunds
  • Verified payouts
  • Multi-market bank connectivity
  • Merchant dashboard and reconciliation
  • Fraud and risk tooling

What people use each for

The jobs each tool is most often brought in to do.

Microsoft Azure API Management

  • API gateway and lifecycle management on Azurenot Trustly
  • Throttling, keys and policies in front of backend servicesnot Trustly
  • Developer portal for internal and partner APIsnot Trustly
  • Hybrid deployments using self-hosted gatewaysnot Trustly

Trustly

  • An e-commerce merchant wanting a lower-cost alternative or complement to card payment acceptancenot Microsoft Azure API Management
  • A gaming or gambling operator needing verified, instant payouts to players' bank accountsnot Microsoft Azure API Management
  • A merchant wanting instant refunds processed directly to a customer's bank account rather than card reversal delaysnot Microsoft Azure API Management
  • A business in a market with strong open banking adoption wanting pay-by-bank as a checkout optionnot Microsoft Azure API Management

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Microsoft Azure API Management

  • Prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales
  • Two parallel generations of tiers, classic and v2, so the choice is which lineage before which size
  • The Developer tier is explicitly not for production
  • Self-hosted gateways and workspace gateways are charged separately from the service

Trustly

  • It is majority-owned by Nordic Capital, a private equity firm, so its long-term roadmap is ultimately oriented toward an eventual sale or IPO rather than indefinite independent operation.
  • Consumer familiarity with paying by bank transfer still lags card payments in most markets, so merchants typically see it used as a secondary option rather than a full card replacement.
  • The 1.15 to 3.15% merchant fee range is not a single published rate, so a merchant cannot know its actual cost without a sales negotiation.
  • As with all open banking-dependent payment methods, reliability depends on the consistency of the underlying banks' own APIs, which Trustly does not control.
  • Its verified payout functionality is heavily used in gaming and gambling, a sector with additional regulatory scrutiny, which is worth factoring in when evaluating vendor risk exposure by association.

Pricing, plan by plan

Microsoft Azure API Management

Free
  • ConsumptionFree
    • 0-1 million API operations free monthly per subscription
  • Basic v2$undefined/mo
    • 10 million API requests included monthly
  • Standard v2$undefined/mo
    • 50 million API requests included monthly
  • Premium v2$undefined/mo
    • Unlimited included API requests

Trustly

On request
  • Trustly$undefined/month
    • Typical merchant cost of 1.15% to 3.15% depending on volume and market
    • Exact rate negotiated per merchant, not published as a flat card

Which should you pick?

Choose Microsoft Azure API Management if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, Hybrid, Multi-cloud.
  • You also want developer portal.
Microsoft Azure API Management review

Choose Trustly if

  • You need pay by bank checkout.
  • You work on Web, API.
  • You also want instant refunds.
Trustly review

Questions people ask

Is Microsoft Azure API Management or Trustly better?
Neither clearly leads. Microsoft Azure API Management starts at Free and Trustly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Azure API Management or Trustly?
Microsoft Azure API Management has a free tier; the other does not. Paid plans start at Free for Microsoft Azure API Management and On request for Trustly.
Does Microsoft Azure API Management or Trustly run on more platforms?
Microsoft Azure API Management runs on Cloud, Hybrid, Multi-cloud. Trustly runs on Web, API.
Can I use Microsoft Azure API Management for free?
Yes. Microsoft Azure API Management has a free tier, so you can try it without paying. Trustly starts at On request.
What is Microsoft Azure API Management best used for?
Microsoft Azure API Management is most often used for api gateway and lifecycle management on azure, throttling, keys and policies in front of backend services, developer portal for internal and partner apis, hybrid deployments using self-hosted gateways. Of those, api gateway and lifecycle management on azure and throttling, keys and policies in front of backend services are not what Trustly is typically brought in for.
What can Microsoft Azure API Management do that Trustly cannot?
Microsoft Azure API Management covers API Gateway, Developer Portal, API Policies, Azure services. Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity.

Answered from the vendors’ own pages

Microsoft Azure API Management: Is Azure API Management free?

Azure API Management offers a Consumption tier with a free tier that includes 0-1 million API operations per subscription monthly at no cost, then charges per operation beyond that. Classic Consumption tier is pay-as-you-go billing.

Source
Trustly: Who owns Trustly?

Nordic Capital, a private equity firm, holds a 51.1% majority stake; Alfven & Didrikson and BlackRock hold smaller stakes.

Microsoft Azure API Management: What are the API request limits for Azure API Management's v2 tiers?

Basic v2 includes 10 million API requests monthly, Standard v2 includes 50 million monthly, and Premium v2 includes unlimited API requests. Additional requests beyond included amounts incur standard rates.

Source
Trustly: Is Trustly going public?

It has discussed an IPO but as of its most recent comments said one remained at least a year away.

Microsoft Azure API Management: What cache capacity does each Azure API Management tier provide?

Basic v2 provides 250 MB built-in cache, Standard v2 provides 1 GB cache, and Premium v2 provides 5 GB cache capacity for response caching.

Source
Trustly: What does it typically cost a merchant?

Roughly 1.15% to 3.15% of transaction value depending on volume and market, negotiated per merchant.

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