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Head-to-head · Open Banking Payment Platforms

Trustly vs Tink

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Trustly #1 in Open Banking Payment Platforms 9.2/10 Pricing on request ✓ 2 of 2 features Visit Trustly
Tink #5 in Open Banking Payment Platforms 8.0/10 Pricing on request ✓ 0 of 2 features Visit Tink

Trustly leads on 0 checks, Tink on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreTrustly · 9.2/10
  • Most featuresTrustly · 2 of 2

Trustly scores higher on our rubric for open banking payment platforms: 9.2 against 8.0 out of 10; our editors rank them #1 and #5.

Trustly is the better fit for mature, full-service payment platforms. Tink is the better fit for european businesses needing payments and data.

  • Trustly fits best

    Mature, full-service payment platforms

  • Tink fits best

    European businesses needing payments and data

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Side by side

Feature Trustly 9.2/10 Visit ↗ Tink 8.0/10 Visit ↗
At a glance
Editor score 9.2 8.0
Ranking #1 in Open Banking Payment Platforms #5 in Open Banking Payment Platforms
Best for Mature, full-service payment platforms European businesses needing payments and data
Pricing model Paid Paid
Starting price Pricing on request —
Free plan Not checked yet —
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, iOS, Android Web
Support Email, Docs Tickets, Docs
Compliance ISO 27001, GDPR SOC 2, GDPR
Built for Mid-market, Enterprise Small business, Mid-market, Enterprise
Features Trustly 2/2 · Tink 0/2
Payment webhooks ✓ (best) Not checked yet
Refunds ✓ (best) Not checked yet
Specs
Supported countries Not checked yet Not checked yet
Bank authentication Both Not checked yet
Payment frequency Both Not checked yet
Settlement speed Instant Not checked yet
Our review
Pros
  • Supports Pay by Bank, recurring payments, payouts and refunds
  • Offers web, Android, iOS and React Native SDKs plus APIs
  • Includes reconciliation, webhooks, account verification and fraud controls
  • Aggregates and enriches financial data across European institutions
  • Supports payment initiation and account-to-account payments
  • Includes Tink Link SDK, REST API and developer documentation
Cons
  • Merchant pricing requires direct contact with sales
  • The broad feature set may exceed the needs of single-purpose payment teams
  • Risk controls use bank-qualified data rather than a broader stated data scope
  • Paid access uses contact-based or custom pricing
  • Platform support is limited to web and API
  • Enterprise features such as SLAs are not in Standard
Our verdict

Trustly is an Open Banking payment platform for merchants that want more than a basic bank-payment checkout. Customers can pay directly from bank accounts, while businesses can manage recurring payments, subscription billing, payouts,…

Read the review →

Tink is an open banking platform for banks, fintechs, startups and other businesses building financial services for European users. Its APIs and SDKs connect applications with financial institutions, supporting account aggregation,…

Read the review →
  1. TrustlyOpen Banking Payment Platforms 9.2Pricing on request
  2. TinkOpen Banking Payment Platforms 8.0Pricing on request

Strengths and trade-offs

  • Trustly — where it wins

    • Supports Pay by Bank, recurring payments, payouts and refunds
    • Offers web, Android, iOS and React Native SDKs plus APIs
    • Includes reconciliation, webhooks, account verification and fraud controls

    Where it doesn't

    • Merchant pricing requires direct contact with sales
    • The broad feature set may exceed the needs of single-purpose payment teams
    • Risk controls use bank-qualified data rather than a broader stated data scope

  • Tink — where it wins

    • Aggregates and enriches financial data across European institutions
    • Supports payment initiation and account-to-account payments
    • Includes Tink Link SDK, REST API and developer documentation

    Where it doesn't

    • Paid access uses contact-based or custom pricing
    • Platform support is limited to web and API
    • Enterprise features such as SLAs are not in Standard
  • Trustly9.2/10 · Pricing on request

    A mature, full-service platform for bank payments, recurring billing, payouts and reconciliation.

    Visit TrustlyFull verdict →
  • Tink8.0/10 · Pricing on request

    A broad European open banking platform for account data, verification and payments.

    Visit TinkFull verdict →

More comparisons

All open banking payment platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update