This page describes how to explain the Kustom Checkout to consumers on the Merchant’s website. A Swedish version can be found here.

We are currently working on publishing Finnish and Norwegian versions and will make them available as soon as possible.

In order to ensure that you as a Merchant correctly describe the Kustom Checkout Solution to your consumers, and how it relates to the providers of payment and other services through the checkout, the below can be used as guidance.

It is important that you provide consumer payment terms that align with consumer protection principles in the markets where you operate. Please be advised that when you draft your terms, you will need to consider mandatory requirements under consumer protection legislation. There might also be specific terms to consider to manage risks based on your specific business model.

You, the Merchant, can copy and paste the relevant sections below on your website to correctly describe Kustom and the available payment methods. Please adjust the bolded brackets.

[We or The Merchant] use Kustom Checkout to manage your purchase at our store. The Kustom Checkout is an independent checkout solution provided by Kustom AB through which payment methods and delivery options are available.

Kustom is not a bank and does not process payments directly, Kustom provides the interface and logic that displays the applicable payment methods.

When you use the checkout to complete your purchase, you will be offered different payment methods. These payment methods are processed by separate providers, depending on the payment method you select when you finalise your purchase. For the payment, you are redirected to a payment service provider, such as [Klarna, Swish, MobilePay, Vipps, iDEAL and Billie], where the purchase is completed.

In order to make your shopping experience effortless, the Kustom Checkout includes automatic filling of your information if you saved your information or previously entered your information in the Kustom Checkout.

Kustom will not perform any credit check, instead that may be performed by the payment method you have selected to pay for your purchase.

By clicking “Pay Purchase” in the checkout, You agree to [our or The MERCHANT’S] terms, the Kustom’s terms of use, and acknowledge Kustom’s Privacy Notice.

More information about how Kustom handles your data and operates the checkout process can be found in the Terms of Use and Privacy Policy. They can be found here.

Stripe securely processes all payments made through Kustom Checkout. This applies to all the available payment methods. Stripe is regulated in Europe and is authorised by the Central Bank of Ireland (reference number: C187865) as an electronic money institution (EMI). It is legally permitted to issue electronic money, execute payment transactions, issue payment instruments, and acquire payment transactions. See the Central Bank of Ireland’s register for more information.

Through Kustom Checkout, you may be offered the following payment methods:

You can pay using debit or credit cards from [Visa, Mastercard and American Express].

The payment is securely processed by Stripe via the Kustom checkout solution. All card information is transmitted encrypted and processed according to the PCI DSS security standard. Kustom never stores your card information.

With Klarna, you can choose to pay now, buy now and pay later, or in installments, depending on which options Klarna makes available for your purchase.

When you choose Klarna, Klarna Bank AB handles the payment process, including any credit checks and invoicing. [We or The Merchant] receives payment from Klarna, and you pay to Klarna according to their terms.

For more information on how Klarna processes personal data, please refer to Klarna’s Privacy Policy.

You can pay quickly and securely with Swish. When selecting Swish, you approve the payment in the Swish app using Mobile BankID. The payment is processed by your bank and Swish.

If you use a compatible Apple device, you can pay with Apple Pay.

Payments are verified using Face ID, Touch ID or your device passcode.

Apple Pay uses a secure payment token instead of your actual card number, which means that neither [We or The Merchant], Kustom nor Stripe ever see your full card number.

Apple Pay relies on your browser’s or device’s built-in capabilities and normally does not place its own cookies on our website.

With Google Pay, you can pay using the cards stored in your Google Wallet.

Google Pay uses tokenization and multiple layers of security (such as encryption and biometric verification or PIN). Your actual card number is never shared with [us or The Merchant], Kustom nor Stripe.

To display the Google Pay button, a technical script is loaded from Google. This may use technical cookies or local storage for fraud prevention.

MobilePay is a mobile wallet commonly used in Denmark and Finland.

When you select MobilePay, you complete the payment inside the MobilePay app and approve the purchase there.

Once approved, Stripe processes a card transaction in the background using the card linked to your MobilePay account.

Vipps is a mobile payment service used in Norway. When selecting Vipps, you complete the payment in the Vipps app, typically using BankID or another strong authentication method.

Stripe then processes a card transaction via the card linked to your Vipps account.

For customers with Dutch bank accounts, iDEAL allows you to pay directly through your online banking environment.

When selecting iDEAL, you choose your bank and log in as usual. The payment is confirmed by your bank, and [We or the Merchant] receive immediate payment confirmation via Stripe.

For business customers in Sweden, Kustom offers Billie, a B2B “Buy Now, Pay Later” solution.

When choosing Billie, a quick credit assessment is performed, and business customers can typically receive 30-day payment terms.

[We or the Merchant] receive funds directly from Billie once the item is shipped, while the business customer pays Billie according to their terms.

Billie is intended for business purchases only, not consumers.

In some cases, you can pay by bank transfer. When selecting this method, you will receive payment details (for example, a virtual bank account number) to send your payment to.

Funds are transferred from your bank to an account managed via Stripe. Stripe automatically matches your payment to your order without exposing your actual bank details.

Your order is processed once the order has been received and reconciled with the payment.

All payments made through Kustom Checkout are fully encrypted and comply with European security requirements, including PSD2 and Strong Customer Authentication (SCA).

Kustom does not store your card information. All card information is encrypted (SSL) and processed by the payment providers in accordance with PCI DSS standards. Strong Customer Authentication (e.g., 3D Secure, BankID) may also apply depending on the payment method you have selected.

If your order has been cancelled because not all products were available in the store or in [our or The Merchant’s] warehouse, the funds will be refunded to you via Kustom. The refund will be made to the same payment method used for the original order. Refunds are usually processed within 1–3 business days.

Kustom may use a cookie to autofill your personal details (such as name, address, or ID number) during checkout, based on information you’ve chosen to save. This data can be retrieved from us or our partners. You can disable autofill at any time, either by adjusting your settings during purchase, contacting us, or deleting cookies from your device.

Please find Kustoms Privacy Policy here.

Kustom, Stripe, and each payment method such as [Klarna, Swish, Billie, etc.] act as separate data controllers for their respective processing activities.

[We or The Merchant] never store card numbers or card information.