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APIs · head to head

Trustly vs Weavr

Trustly logo

Trustly

APIs

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

From
On request
Rated
-
Full reviewWebsite
Weavr logo

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • They diverge on capability: Trustly covers Pay by bank checkout, Weavr covers Plug-and-play products.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Trustly and Weavr actually diverge.

Attributes where Trustly and Weavr differ
AttributeTrustlyWeavr
PlatformsWeb, APIWeb, REST 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 Trustly

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

Only in Weavr

  • Plug-and-play products
  • Regulated cover
  • Card issuing
  • Multi-currency accounts
  • Identity and onboarding
  • Data insights

What people use each for

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

Trustly

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

Weavr

  • A project management SaaS adding expense cards without hiring a compliance officernot Trustly
  • A marketplace paying out sellers from accounts held inside its own productnot Trustly
  • A procurement platform issuing virtual cards against approved purchase ordersnot Trustly
  • A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Trustly

Where each one falls short

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

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.

Weavr

  • Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
  • It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
  • Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
  • European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

Pricing, plan by plan

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

Weavr

On request
  • Weavr embedded finance$undefined/year
    • Platform subscription plus per-account and per-card fees
    • Interchange share negotiated as part of the commercial terms
    • Monthly minimums apply to card programmes

Which should you pick?

Choose Trustly if

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

Choose Weavr if

  • You need plug-and-play products.
  • You work on Web, REST API.
  • You also want regulated cover.
Weavr review

Questions people ask

Is Trustly or Weavr better?
Neither clearly leads. Trustly starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Trustly or Weavr?
Trustly starts at On request and Weavr at On request.
Does Trustly or Weavr run on more platforms?
Trustly runs on Web, API. Weavr runs on Web, REST API.
What is Trustly best used for?
Trustly is most often used for an e-commerce merchant wanting a lower-cost alternative or complement to card payment acceptance, a gaming or gambling operator needing verified, instant payouts to players' bank accounts, a merchant wanting instant refunds processed directly to a customer's bank account rather than card reversal delays, a business in a market with strong open banking adoption wanting pay-by-bank as a checkout option. Of those, an e-commerce merchant wanting a lower-cost alternative or complement to card payment acceptance and a gaming or gambling operator needing verified, instant payouts to players' bank accounts are not what Weavr is typically brought in for.
What can Trustly do that Weavr cannot?
Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity. Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts.

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.

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

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.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

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.

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

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