Overview
Klarna Financing integrates with Kustom checkout to provide shoppers with a flexible installment-based payment method.
Key characteristics:
Shoppers can select Klarna Financing directly in Kustom checkout
Payments are split into multiple installments
This method increases conversion by making larger purchases more affordable
Available through both Klarna-rails and Kustom-rails
Availability
Klarna Financing is available in the following countries:
Country | Available |
Sweden | ✓ |
Norway | ✓ |
Finland | ✓ |
Denmark | ✓ |
Germany | ✓ |
Austria | ✓ |
Netherlands | ✓ |
France | ✓ |
United Kingdom | ✓ |
Switzerland | ✓ |
What is Klarna Financing?
Klarna Financing lets shoppers pay for their purchase over time through an installment plan. This approach increases affordability and encourages shoppers to complete larger purchases.
Key aspects of Klarna Financing:
Installment-based payments
Increased conversion and higher average order value
Fully integrated into Kustom checkout with no manual setup
This method is widely used across European markets that support flexible financing arrangements.
Benefits for merchants
Higher conversion on higher-value baskets
Increased average order value
No additional configuration
Access to Klarna’s financing customer base
Benefits for shoppers
Spread costs over time
Transparent installment schedule
Buyer protection and Klarna dispute handling
Familiar Klarna experience
Availability in your checkout
Klarna Financing 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 Financing (Sweden)
Businesses registered in Germany get Klarna Financing (Germany)
Businesses registered in Norway get Klarna Financing (Norway)
No additional setup is required.
Manual enablement
No manual activation is needed. Klarna Financing is included by default for merchants in supported countries.
Shopper experience
Checkout journey
The shopper experience follows Klarna’s standard financing flow:
The shopper selects Klarna Financing in Kustom checkout
Klarna performs identity verification and eligibility checks
The shopper reviews available installment plans
The order is confirmed and shipped immediately
Klarna provides the shopper with their payment schedule
Integration and reporting
Integration requirements
No integration changes are needed. Klarna Financing 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.