Checkout

A complete checkout solution.

A checkout built for conversion.

Kustom Checkout comes with everything you need to create the smoothest shopping experience for your customers, including seamless customer identification and accepting all major payment methods. It’s built to improve your business performance — converting browsers into happy customers.

How it works.

By offering the complete online checkout solution, you make it easy for your customers to shop how they prefer, often with a single-click. With a simpler buying process, you’ll get more loyal customers and less abandoned baskets.

On-site messaging

Shoppers learn that they can buy now and pay later when shopping. The dynamic message adapts to the user’s history and preference.

Billing address

Every returning Klarna user is treated as a returning customer for you and has their billing and shipping address pre-filled.

Payment methods

All major payment methods are included. Your customers can use their card, bank transfer or any of the options to pay now or pay later with Klarna

Post-purchase experience

Whether you’re a retailer or a shopper, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put control in the hands of customers via the Klarna app – gathering all orders in a single place. With the app, your customers can manage their purchases, chat with customer service 24/7 and even report returns.

With pre-filled information for returning customers and a mobile-first experience, users can shop on-the-go or from the comfort of their sofa.

85%

of shoppers who use the checkout say it’s a better experience than other online checkouts.

99%

of purchases are seamless, with no customer complaints.

Boost your business.

Kustom Checkout is built to automatically give you the best checkout solution while focusing on what matters most to your business; your products and your customers. By placing value in a checkout solution that is always kept up to date – with the customer experience in mind - more consumers will not only complete their purchases, but become your loyal customers.

Conversion

With pre-filled info for returning customers, and single-tap payments, shopping has never been easier. The simple and constantly optimized checkout flow will make fewer people drop off.

Financial flexibility

With multiple payment options to spread the cost of their purchase(s), and our full buyer’s protection, shoppers get more security and financial flexibility.

Customer loyalty

Exceeding the customer's expectations will increase both satisfaction and the number of happy, returning customers. Our 24/7 customer support is always ready to help.

Reduce admin costs

With a single contract, one contact point, one settlement note, and one payout, you will spend less time on admin, and more time selling the right product to the right customer.

Minimize the risk

Klarna takes the full credit and fraud risk on all purchases for you, for all payment methods. Even when a customer makes a return, we cover the chargeback cost.

Drives traffic

Partnering with KCO will increase your website traffic. Our strong brand and influencer collaborations speak to shoppers, who are actively looking for retailers that offer our payment methods.

Own the checkout

KCO is built to match your brand and you can adjust the design so that it fits seamlessly into your webshop. Your customer will stay on your page throughout the entire purchase experience.

The simplicity of KCO proved to be exactly what we needed for fitnessguru. With excellent results in the Nordics, KCO was an obvious choice when we launched in the UK. The result wasn’t just higher conversion – especially on mobile – but also much less admin. That’s freed up time for what we love most: talking to our customers and focusing on selling great product.
Christian Lindberg, Owner

Always with Klarna.

Regardless of what solution or service you sign up for, joining forces with Klarna will make your everyday life easier.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

New customers

Klarna refers millions of shoppers to online retailers via in-app promotions.

Dedicated support

24/7 business support with our award-winning service team.

Go to business support

Seller’s protection

We assume all credit and fraud risk, so you can focus on running a successful business.

Buyer’s Protection

We’ve got your customer’s back. If their order doesn’t arrive, they don’t pay. We take the cost.

Read the full policy

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.

Integration.

Kustom checkout is available through many e-commerce platforms and can be integrated directly to your site if you so wish. The service is integrated in such a way that KCO can make automatic updates to it. In other words, once you’ve integrated the solution, your checkout will continue to be updated to meet any needs your customers might have in the future.

Platforms

KCO is pre-integrated to most e-commerce platforms. The easy setup is straightforward and it won’t be long until you can start accepting payments.

See all platforms

Developers

Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.

Visit the developers portal

Details about Kustom Checkout.

Let’s get down to the nitty-gritty. All you need to know about Kustom Checkout is right here.

Service

Market availability	US, UK, DE, NL, AT, SE, FI, NO, DK
Cutomer identification	Included
Payment methods included	Instalments, Pay in 30 days, Financing ¹
Klarna buyers protection	Included
Klarna sellers protection	Included

¹ Further eligibility checks will apply.

Integration

Direct integration via	Javascript & RestAPI
Auto updates	Included
Auto local	Included
Developer’s resources	Found here

Partnership

Max payment delay	3 business days after order is shipped
Standard term of agreement	36 months
E-commerce platforms	See all platforms

A complete checkout solution.

Get started

Choose your language and region

Klarna is available around the world with a variable offering, choose one that suits you best.

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

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