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APIs · head to head

Trustly vs Zimpler

Trustly logo

Trustly

APIs

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

From
On request
Rated
-
Full reviewWebsite
Zimpler logo

Zimpler

APIs

Nordic and Brazilian account-to-account payments for regulated high-risk sectors

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.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • They diverge on capability: Trustly covers Pay by bank checkout, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Trustly and Zimpler actually diverge.

Attributes where Trustly and Zimpler differ
AttributeTrustlyZimpler
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 Zimpler

  • Bank payments
  • BankID identity
  • Payouts
  • Recurring payments
  • Risk screening
  • Brazil coverage

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

Zimpler

  • A Swedish gambling operator needing deposit and verified identity in a single customer flownot Trustly
  • A Nordic merchant wanting instant bank payouts rather than card refundsnot Trustly
  • A trading platform where confirming account ownership before funding is a regulatory requirementnot Trustly
  • A European operator expanding into Brazil and wanting one provider across both marketsnot 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.

Zimpler

  • Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
  • Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
  • Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
  • Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.

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

Zimpler

On request
  • Zimpler payments$undefined/year
    • Per-transaction pricing quoted by industry, risk and volume
    • Separate pricing for payouts and identity verification
    • Merchant underwriting required, with sector restrictions

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 Zimpler if

  • You need bank payments.
  • You work on Web, REST API.
  • You also want bankid identity.
Zimpler review

Questions people ask

Is Trustly or Zimpler better?
Neither clearly leads. Trustly starts at On request and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Trustly or Zimpler?
Trustly starts at On request and Zimpler at On request.
Does Trustly or Zimpler run on more platforms?
Trustly runs on Web, API. Zimpler 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 Zimpler is typically brought in for.
What can Trustly do that Zimpler cannot?
Trustly covers Pay by bank checkout, Instant refunds, Verified payouts, Multi-market bank connectivity. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.

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.

Zimpler: Which markets does Zimpler cover?

Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.

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.

Zimpler: Does it handle identity verification?

Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.

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.

Zimpler: Is pricing published?

No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.

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