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.

30%

increased conversions reported from retailers offering KCO.

45%

increase in average order value reported from retailers offering installments.

20%

higher customer purchase frequency reported from retailers offering pay later options.

How it works

By offering this seamless checkout solution, you make it easy for your customers to shop how they prefer, often with a single tap. With a simpler buying process, you’ll get happier customers who will buy more.

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 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 the 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, choose payment method, chat with customer service 24/7, and even make returns. Before their next payment is due, we’ll send a friendly reminder for a hassle-free experience.

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

85%

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

99.92%

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 investing in a checkout solution that is always kept up to date – with the customer experience in mind - more consumers will complete their purchases and come back for more.

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.

Average order value

With payment options for shoppers to spread the cost of their order and our full buyer’s protection, shoppers get more security and spending power. Large orders become less scary.

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.

Drive 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 products.
Christian Lindberg, Owner, Fitnessguru

Always with KCO

Regardless of what solution or payment method you sign up for, joining forces with KCO will make running your business easier.

Automatic updates

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

Fraud liability 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

Globally compliant

All products are adapted 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 and API documentation for those wanting to integrate directly with our systems across social channels, as well as more to help you get started.

See the developers docs

Details about Kustom Checkout

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

Service

Market availability	US, UK, DE, NL, AT, SE, FI, NO, DK
Customer identification	Included
Payment methods included	Installments, Pay in 30 days, Financing and Card payments
Klarna buyers protection	Included
Klarna sellers protection	Included

Integration

Direct integration via	Javascript and RestAPI
Auto updates	Included
Auto local	Included
Dev resources	Found here

Partnership

Max payment delay	3 business days after order is shipped
Standard term of agreement	36 months
E-commerce platforms	Find pre-integrated platforms here

A complete checkout solution

Get started

Klarna for business

Choose your language and region

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

Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.