Overview
Klarna Pay Later integrates with Kustom checkout to provide shoppers with a flexible deferred payment option.
Key characteristics:
Shoppers select Klarna Pay Later directly in the Kustom checkout interface
Shoppers receive their goods before payment is due
Shoppers have up to 30 days to complete payment
This method increases conversion rates by reducing purchase hesitation
Availability
Klarna Pay Later is available in the following countries:
Country | Available | Payment window |
Sweden | ✓ | Up to 30 days |
Norway | ✓ | Up to 30 days |
Finland | ✓ | Up to 30 days |
Denmark | ✓ | Up to 30 days |
Germany | ✓ | Up to 30 days |
Austria | ✓ | Up to 30 days |
Netherlands | ✓ | Up to 30 days |
Belgium | ✓ | Up to 30 days |
France | ✓ | Up to 30 days |
Italy | ✓ | Up to 30 days |
Poland | ✓ | Up to 30 days |
United Kingdom | ✓ | Up to 30 days |
Spain | ✓ | Up to 30 days |
Portugal | ✓ | Up to 30 days |
Switzerland | ✓ | Up to 30 days |
What is Klarna Pay Later?
Klarna Pay Later lets shoppers receive their order first and pay afterward. This “try before you buy” approach gives shoppers confidence in their purchase and flexibility when deciding when to pay.
Key aspects of Klarna Pay Later:
Deferred payment for up to 30 days
Increased conversion by reducing purchase hesitation
Fully integrated into Kustom checkout with no setup required
The method is popular across European markets where flexible repayment windows are preferred by shoppers.
Benefits for merchants
Higher conversion and fewer abandoned carts
No additional configuration or integration
Access to Klarna’s large, trusted customer base
Benefits for shoppers
Try products before paying
Clear and predictable payment timing
Buyer protection and Klarna dispute handling
Availability in your checkout
Klarna Pay Later is automatically available based on the country where your business is registered. When your business is onboarded in a supported market, this payment method appears automatically for eligible shoppers.
Examples:
Businesses registered in Sweden get Klarna Pay Later (Sweden)
Businesses registered in Germany get Klarna Pay Later (Germany)
Businesses registered in Norway get Klarna Pay Later (Norway)
No additional setup is required.
Manual enablement
No manual activation is required. Klarna Pay Later is included by default for merchants onboarded in supported countries.
Fees, pricing, and settlement
Are there additional fees?
Klarna Pay Later is included in your existing Kustom fee agreement. There are no additional fees for enabling this method.
How settlement works
Shoppers pay Klarna after receiving their goods, but you receive funds according to your regular Kustom settlement schedule. Settlement timing is not affected by the shopper’s deferred payment.
Shopper experience
Checkout journey
The shopper experience follows Klarna’s standard Pay Later flow:
The shopper selects Klarna Pay Later in Kustom checkout
Klarna performs a quick identity and eligibility check
The order is confirmed immediately
The shopper receives payment instructions from Klarna
The shopper pays within 30 days
Integration and reporting
Integration requirements
No integration changes are needed. Klarna Pay Later is fully built into Kustom checkout and activates automatically based on your registered country.
Reporting
Transactions appear in your reporting and order management systems the same way as other payment methods. They are visible in Kustom Portal and included in standard reports. Your order management processes remain unchanged.