Trustly works by connecting customers, merchants and banks online. Customers can make payments using their bank s, without the need to provide personal information. Upon selecting the amount of money you want to transfer, Trustly will the transaction with the customer's bank. In case the transaction is approved, the funds will be transferred directly from the customer's bank to the merchant's. In some cases, the customer has to do an additional authentication step, such as an SMS code, but that depends on the bank.