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Personal Finance · head to head

Google Pay vs Trustly

Google Pay logo

Google Pay

Personal Finance

Fast, simple and secure payments

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 Google Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Google Pay limited to Android devices and Chrome browser; lacks native support for iOS devices; 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: Google Pay covers Digital wallet, 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 Google Pay and Trustly actually diverge.

Attributes where Google Pay and Trustly differ
AttributeGoogle PayTrustly
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsAndroid, Chrome browserWeb, API
CategoryPersonal FinanceAPIs
Founded2015Unknown

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

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 Google Pay

  • Digital wallet
  • Contactless payments
  • Online shopping
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • Android 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.

Google Pay

  • Android users making contactless payments at supported retailersnot Trustly
  • Chrome browser users utilising payment autofill at checkoutnot Trustly

Trustly

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

Where each one falls short

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

Google Pay

  • Limited to Android devices and Chrome browser; lacks native support for iOS devices
  • International money transfer through third-party provider (Wise Inc.) with limited details on coverage

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

Google Pay

Free

No published plan breakdown. See the Google Pay review.

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 Google Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on Android, Chrome browser.
  • You also want contactless payments.
Google Pay 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 Google Pay or Trustly better?
Neither clearly leads. Google Pay 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, Google Pay or Trustly?
Google Pay has a free tier; the other does not. Paid plans start at Free for Google Pay and On request for Trustly.
Does Google Pay or Trustly run on more platforms?
Google Pay runs on Android, Chrome browser. Trustly runs on Web, API.
Can I use Google Pay for free?
Yes. Google Pay has a free tier, so you can try it without paying. Trustly starts at On request.
What is Google Pay best used for?
Google Pay is most often used for android users making contactless payments at supported retailers, chrome browser users utilising payment autofill at checkout. Of those, android users making contactless payments at supported retailers and chrome browser users utilising payment autofill at checkout are not what Trustly is typically brought in for.
What can Google Pay do that Trustly cannot?
Google Pay covers Digital wallet, Contactless payments, Online shopping, P2P money transfers. Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity.

Answered from the vendors’ own pages

Trustly: Who owns Trustly?

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

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.

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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