APIs · head to head
Prisma vs Trustly
Trustly
APIs
Pay-by-bank payments network, majority-owned by private equity firm Nordic Capital
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; 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: Prisma covers ORM, 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 Prisma and Trustly actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Trustly
- Adding a managed connection pool and edge cache in front of an existing databasenot Trustly
Trustly
- An e-commerce merchant wanting a lower-cost alternative or complement to card payment acceptancenot Prisma
- A gaming or gambling operator needing verified, instant payouts to players' bank accountsnot Prisma
- A merchant wanting instant refunds processed directly to a customer's bank account rather than card reversal delaysnot Prisma
- A business in a market with strong open banking adoption wanting pay-by-bank as a checkout optionnot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Trustly
On request- Trustly$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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Trustly if
- You need pay by bank checkout.
- You work on Web, API.
- You also want instant refunds.
Questions people ask
- Is Prisma or Trustly better?
- Neither clearly leads. Prisma 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, Prisma or Trustly?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Trustly.
- Does Prisma or Trustly run on more platforms?
- Prisma runs on Node.js, TypeScript. Trustly runs on Web, API.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Trustly starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Trustly is typically brought in for.
- What can Prisma do that Trustly cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceTrustly: Who owns Trustly?
Nordic Capital, a private equity firm, holds a 51.1% majority stake; Alfven & Didrikson and BlackRock hold smaller stakes.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceTrustly: Is Trustly going public?
It has discussed an IPO but as of its most recent comments said one remained at least a year away.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceTrustly: 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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