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APIs · head to head

Trustly vs WSO2 API Manager

Trustly logo

Trustly

APIs

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

From
On request
Rated
-
Full reviewWebsite
WSO2 API Manager logo

WSO2 API Manager

APIs

Complete API management platform for designing and managing APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only WSO2 API Manager has a free tier, so it costs nothing to try first.
  • 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.; WSO2 API Manager the free open source distribution does not include a subscription to the WSO2 Update service, so continuous improvements and security patches require a paid subscription
  • They diverge on capability: Trustly covers Pay by bank checkout, WSO2 API Manager covers API Gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Trustly and WSO2 API Manager actually diverge.

Attributes where Trustly and WSO2 API Manager differ
AttributeTrustlyWSO2 API Manager
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, APIJava, Linux, Docker, Kubernetes
FoundedUnknown2005

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 Trustly

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

Only in WSO2 API Manager

  • API Gateway
  • API Designer
  • Developer Portal
  • LDAP
  • Okta
  • Keycloak
  • Microservices
  • Java support

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 WSO2 API Manager
  • A gaming or gambling operator needing verified, instant payouts to players' bank accountsnot WSO2 API Manager
  • A merchant wanting instant refunds processed directly to a customer's bank account rather than card reversal delaysnot WSO2 API Manager
  • A business in a market with strong open banking adoption wanting pay-by-bank as a checkout optionnot WSO2 API Manager

WSO2 API Manager

  • Publishing, securing and rate limiting APIs behind a gatewaynot Trustly
  • Running an API developer portal with subscription key managementnot Trustly
  • Self hosting an open source API management layer on premisesnot 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.

WSO2 API Manager

  • The free open source distribution does not include a subscription to the WSO2 Update service, so continuous improvements and security patches require a paid subscription
  • A commercial production licence is not part of the free download and comes only with a subscription
  • No subscription price is published; Basic Support and Enterprise Support both require contacting sales for a quote
  • 24x7x365 coverage requires Enterprise Support; the general query SLA is one business day
  • A Customer Success Manager is a paid optional add on covering business hours only
  • Consulting services and WSO2 Private Cloud hosting are quoted separately

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

WSO2 API Manager

Free
  • CommunityFree
    • Core API management
    • Community support
  • Commercial$undefined/monthly
    • Enterprise features
    • Technical support
    • SLA

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 WSO2 API Manager if

  • You need api gateway.
  • You want to start without paying.
  • You work on Java, Linux, Docker, Kubernetes.
  • You also want api designer.
WSO2 API Manager review

Questions people ask

Is Trustly or WSO2 API Manager better?
Neither clearly leads. Trustly starts at On request and WSO2 API Manager at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Trustly or WSO2 API Manager?
WSO2 API Manager has a free tier; the other does not. Paid plans start at On request for Trustly and Free for WSO2 API Manager.
Does Trustly or WSO2 API Manager run on more platforms?
Trustly runs on Web, API. WSO2 API Manager runs on Java, Linux, Docker, Kubernetes.
Can I use WSO2 API Manager for free?
Yes. WSO2 API Manager has a free tier, so you can try it without paying. Trustly starts at On request.
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 WSO2 API Manager is typically brought in for.
What can Trustly do that WSO2 API Manager cannot?
Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity. WSO2 API Manager covers API Gateway, API Designer, Developer Portal, LDAP.

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.

WSO2 API Manager: How is WSO2 API Manager priced?

WSO2 API Manager pricing is not published on their website. As an enterprise API management platform, pricing is custom-quoted based on deployment model and organizational requirements.

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.

WSO2 API Manager: Does WSO2 API Manager offer different pricing for on-premises versus cloud deployments?

WSO2 API Manager supports multiple deployment options including on-premises and cloud, but pricing structures for different deployment models are not publicly disclosed.

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.

WSO2 API Manager: What deployment flexibility does WSO2 API Manager provide?

WSO2 API Manager enables flexible deployment on-premises or in cloud environments, but specific pricing tiers for each deployment model require contacting WSO2 sales.

Source
WSO2 API Manager: How would I request a WSO2 API Manager pricing quote?

Organizations can request pricing quotes by contacting WSO2 sales through their website. Custom quotes depend on API volume, deployment model, and feature requirements.

Source
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