Trustly

Trustly is not one licence holder but four authorisations plus a US money-transmitter estate, and which one holds a merchant's money depends on the market.

In the EEA the counterparty is Trustly Group AB, an authorised Swedish payment institution supervised by Finansinspektionen — a payment institution, not a bank, so funds are safeguarded rather than deposit-guaranteed. FI's decision of 22 February 2022 names the firm, corporate identity number 556754-8655, as authorised to provide payment services under the Swedish Payment Services Act (2010:751), and the same decision issues it a warning and a sanction fee of SEK 130,000,000, with an order, over anti-money-laundering failings (FI reference 20-20967). The firm keeps its authorisation, but a reader weighing who holds a merchant's money should know of it. FI's register publishes an FI identification number (45002) as well as the corporate identity number, which is why the identity number is the reference.

Continental coverage is passported, not country-by-country. ACPR's REGAFI record for Trustly Group AB has an empty CIB field, a null nature d'autorisation, type d'entité "Libre prestation de services" and Finansinspektionen named as the supervisory authority — so ACPR has authorised Trustly nothing, and a 28-country footprint should be read as one Swedish licence exercised cross-border.

The UK is separate since Brexit: Trustly UK Limited (FRN 1005703) and Ecospend Technologies Limited (FRN 829713), both Authorised Payment Institutions under the Payment Services Regulations 2017 providing payment initiation and account information services, both confirmed on the FCA's firm checker at W1D 5DY and both currently holding permission. Ecospend is the UK open-banking business Trustly acquired and still operates as a separate licence holder alongside Trustly UK Limited.

France has a second directly licensed entity from the SlimPay acquisition, and the licence is SlimPay's own rather than Trustly's: Slimpay SA, ACPR établissement de paiement, CIB 16348, agrément dated 23 November 2010, confirmed on REGAFI. Trustly's own disclosure cites instead its Paris registration number 518991336, which is a SIREN company number and not the regulator's reference.

US and Canadian business runs through Trustly, Inc. (NMLS #2463855) under about 43 state money transmitter licences. Those numbers come from Trustly, Inc.'s own mandated licence disclosure and are not recorded here: every one of them cites the same NMLS Consumer Access page, which blocks automated retrieval, so none could be resolved and a reader following the link would have nothing to read. No FINTRAC MSB or Banco Central do Brasil authorisation was found for the Canadian or Brazilian operations, which the local sites also attribute to Trustly, Inc.

Checked against Trustly’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.