Every order placed through Kustom Checkout is screened before it's approved. Kustom handles fraud checks on card payments, while Klarna does the same for Klarna-based purchases. The screening happens during checkout, so by the time an order reaches your system, it has already been assessed.

You don't need to configure rules, maintain blocklists, or set your own risk thresholds. Screening is applied automatically to all orders, in every market you sell in.

Fraud patterns change constantly, so screening can't be a fixed set of rules that you set once and forget. Screening runs continuously, and our risk team reviews alerts, disputes and merchant activity every working day, adjusting screening as new patterns emerge. Because screening is centrally managed rather than left to each store, a new pattern only has to be identified once to be acted on across the platform.

The goal is not to block as much as possible. It's to keep fraud low while still letting legitimate shoppers through, which is a trade-off that needs active management rather than a fixed threshold.

Screening happens before an order reaches you, so every order in your system has already been assessed. The decision to ship is still yours — if something about an order looks wrong to you, you can cancel it.

If you do ship and the purchase turns out to be fraudulent, the Merchant Protection Program may cover the loss. The program covers card disputes where the shopper claims they did not authorize the purchase, and it applies when the requirements in the Merchant Protection Policy are met — including proof of delivery, shipping to the address approved at checkout, and responding to the dispute when it comes in.

Some purchases fall outside the program: card-present transactions, cash-like goods such as gift cards, recurring and merchant-initiated payments, and shipments without tracking. There is also an upper limit per order. The policy lists the full scope and requirements, and it is worth reading once before you need it.

Klarna-based purchases are covered by Klarna's own protection program, under Klarna's terms.

Some orders are stopped during screening. When that happens, the shopper sees that the payment could not be completed and can try again with another card or another payment method.

We don't share the specific reason an order was stopped, with you or with the shopper. Explaining exactly what triggers a block would tell fraudsters what to avoid, which makes screening less effective for everyone.

If you think legitimate orders are being stopped, tell us. Send the order references to us and our team will look at what happened. Screening is not a fixed threshold, and this kind of feedback is one of the inputs we use to adjust it.

Some card payments are sent to the shopper's bank for authentication, usually as a one-time code or an approval in the banking app. This is a regulatory requirement in Europe, not a Kustom rule. We apply the available exemptions so that authentication is only requested when it is needed.