Is Tink or Trustly better?

Neither clearly leads. Tink starts at On request and Trustly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Tink or Trustly?

Tink starts at On request and Trustly at On request.

Does Tink or Trustly run on more platforms?

Tink runs on API, Web. Trustly runs on Web, API.

What is Tink best used for?

Tink is most often used for a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence, a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets, a fintech that does not hold its own psd2 licence and needs to operate under an authorised provider passported across the eea, a bank building an account aggregation view of a customer external accounts without negotiating with each institution individually. Of those, a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence and a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets are not what Trustly is typically brought in for.

What can Tink do that Trustly cannot?

Tink covers Account data access, Payment initiation, EEA passporting, Categorisation. Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity.

APIs · head to head

Tink vs Trustly

Tink

APIs

European open banking platform for account data and payment initiation

From: On request
Rated: -

Full review Website

Trustly

APIs

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

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.; 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: Tink covers Account data access, 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 Tink and Trustly actually diverge.

Attributes where Tink and Trustly differ
Attribute	Tink	Trustly
Platforms	API, Web	Web, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Tink

Account data access
Payment initiation
EEA passporting
Categorisation
Account verification
Risk and affordability signals
Variable recurring payments support
Consent management

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.

Tink

A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Trustly
A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Trustly
A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Trustly
A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Trustly

Trustly

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

Where each one falls short

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

Tink

Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

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

Tink

On request

Tink Platform$undefined/year
- Priced by product, market and volume
- Data access and payment initiation priced separately
- Annual commitments typical for enterprise agreements

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 Tink if

You need account data access.
You work on API, Web.
You also want payment initiation.

Tink 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 Tink or Trustly better?: Neither clearly leads. Tink starts at On request and Trustly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tink or Trustly?: Tink starts at On request and Trustly at On request.
Does Tink or Trustly run on more platforms?: Tink runs on API, Web. Trustly runs on Web, API.
What is Tink best used for?: Tink is most often used for a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence, a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets, a fintech that does not hold its own psd2 licence and needs to operate under an authorised provider passported across the eea, a bank building an account aggregation view of a customer external accounts without negotiating with each institution individually. Of those, a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence and a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets are not what Trustly is typically brought in for.
What can Tink do that Trustly cannot?: Tink covers Account data access, Payment initiation, EEA passporting, Categorisation. Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity.

Answered from the vendors’ own pages

Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Trustly: Who owns Trustly?

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

Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

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.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

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.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

Tink vs Trustly

Tink

Trustly

The short version

Where they differ

What each one covers

Only in Tink

Only in Trustly

What people use each for

Tink

Trustly

Where each one falls short

Tink

Trustly

Pricing, plan by plan

Tink

Trustly

Which should you pick?

Choose Tink if

Choose Trustly if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Tink

More on Trustly

Keep looking

Other head to heads