With this service you can enable the Kustom Checkout solution in your online store.

All MyCashflow online stores have built-in support for Kustom Checkout. You can easily subscribe to Kustom Checkout through the MyCashflow admin panel.

Read more about Kustom on our introduction page.

Kustom is the former Klarna Checkout and has automatically replaced it in MyCashflow online stores on June 17, 2025. Klarna Payments, on the other hand, continues as a separate payment service, which is still available also through the Kustom checkout.

Find out more about Klarna Checkout becoming Kustom.

How does Kustom Checkout work?

At Kustom Checkout, the customer first enters the delivery country, postal code, and email address. If the customer has previously made a purchase using Kustom Checkout and their information is saved, Kustom can automatically fill it in at checkout. The system also automatically fills in a logged-in customer's information at checkout.

After providing the address information, the customer can choose the payment and shipping method and proceed to pay for their order. In some cases, the system requests the customer's personal identification number to verify creditworthiness.

When the customer has confirmed the order, the Kustom thank you page opens.

At Kustom Checkout, you can use certain external and MyCashflow's internal payment services.

Pricing

Each payment made with Kustom Checkout is subject to a percentage-based and fixed commission fee charged by Kustom.

Installation and setup

Ordering new credentials

  1. Go to the Settings > Kustom Checkout page on the admin panel.
  2. Click Order new credentials.
  3. Fill in your personal and your online store's details in the order form and click Continue.

Kustom will process your subscription and notify you within 48 hours of order acceptance.

During the setup, Kustom will send you an email survey about the company's actual beneficiaries to prevent money laundering and other abuses. You must respond to the survey in order to receive Kustom settlements.

Once your subscription has been accepted, you can continue configuring the Kustom Checkout settings on the page Settings > Kustom Checkout.

Using your old credentials

If you already have Kustom credentials, you can use them in MyCashflow by entering them in the Kustom Checkout settings.

  1. Go to the Settings > Kustom Checkout page on the admin panel.
  2. Click Enter already-existing credentials.
  3. Enter your credentials in the Kustom Checkout settings and save the form.

    You can find the credentials on the Kustom Merchant Portal page under Settings > API Credentials. When necessary, you can also create new credentials on the page.

Once you have entered your credentials, you can continue setting up the Kustom Checkout settings on the Settings > Kustom Checkout page.

Kustom Checkout settings

Once you have enabled Kustom Checkout, you can configure the settings for the service on the page Settings > Kustom Checkout.

Credentials

In the Credentials section, you can see the credentials used by the checkout solution.

If you'd like to change the credentials in use, contact our customer service.

Store versions

In the Store versions section, you can select in which store versions Kustom Checkout is enabled.

Versions using Kustom Checkout must have SSL encryption enabled. Otherwise your online store's checkout won't work.

In the selected versions, the Kustom Checkout replaces the default MyCashflow checkout.

Activating Kustom Checkout hides all other payment methods in the store version.

If you want to use MyCashflow's internal payment methods such as Invoice, Advance payment, or Cash-on-delivery or PayPalat Kustom Checkout, please contact the MyCashflow customer service.

Shipping methods

Kustom Checkout only displays shipping methods that are set to be visible in the same version as Kustom Checkout.

You can also specify additional shipping information and delivery time details for the shipping methods used with the Kustom Checkout.

Summary

The summary section lists the available delivery methods for use with Kustom Checkout by store version.

The Show in selected versions toggle allows you to disable Kustom Checkout in all store versions.

Activating payments

In order for Kustom to transfer the payment to the online store's bank account, the payment must be activated.

Payments must be activated before they expire.

Kustom payments expire after a certain period of time. The payment expiration date is shown on the order page's Payment transactionssection and on the Kustom Merchant Portal Orders page.

If the payment is overdue, it is not possible to complete the order using Kustom. However, you can create a new payment transaction for the order using a different payment method.

Once you have opened the desired order from the admin panel's Orders page, you have the following options to activate the payment:

  • Mark the order products as delivered.

    Once you have marked the products as delivered, the payment will be activated automatically and its status will change to Paid.

    If the customer has selected Pay Later or Split Payments as the payment method at checkout, Kustom will send the customer payment instructions, and the payment period calculation will only begin from the moment of activation.

  • Ship the order in partial shipments.

    Once you have marked the selected order products as delivered, only the portion of the shipping costs for the delivered products and the entire order will be activated, and the payment status will change to Partially activated.

  • Activate the payment manually by clicking the Activate payment link in the transaction tool menu:

If the order is paid in a currency other than the euro, the transactions will also show the exchange rate.

Checking the status of payments that have not been approved.

If a payment is overdue or the subscription is canceled, the payment will automatically move to Cancelled status. In certain cases, it may be possible to change the payment status in the Custom merchant portal.

You can ensure that the payment status on the subscription page of the admin panel is up to date by clicking the Check payment status link in the transaction tool menu:

The payment status updates immediately.

Resending payment instructions

Voit lähettää aiemmin aktivoidun maksun ohjeet asiakkaalle uudelleen valitsemalla tilaussivun oikean reunan Payment transactions-valikosta Resend customer communications ‑toiminnon.

Canceling reservations

If a customer has made an unwarranted payment, you can cancel it in the online store's admin panel even before activation by selecting the Cancel reservation option from the Payment transactions menu on the right side of the order page.

When you cancel a customer's reservation, the payment status changes to Cancelled. In such a case, the customer won't be charged at all.

Refunds

You can refund payments made with Kustom services to the customer directly from the order page in the admin panel. Refunds are always processed automatically using the same payment method the customer used for the transaction.

Making a full refund

If you want to charge the customer, for example, return fees, do not use a full refund, even if the customer returns the entire order.

See how to make a partial refund.

Here's how to refund the whole payment to the customer:

  1. Find the order and open its details from the list on the admin panel page Orders.
  2. Find the refundable amount on the right-hand side of the order page in the Payment transactions column.
  3. Press the Refund whole payment link in the transaction toolbar.

Kustom refunds the customer in full using the original payment method.

Making a partial refund

If a customer returns only part of the products they ordered, you can refund the necessary portion of the customer's payment directly from the order page in the admin panel.

  1. Find the order and open its details from the list on the admin panel page Orders.
  2. First, process product returns, as normal.

    Once you have made the changes required for the return, the order total will change and a notification of overpayment will appear at the top of the order page.

  3. Click the Make a partial refund link in the payment notification.

    If necessary, you can also make a refund using another payment service by using the Create new payment transactionlink.

    Learn more about making refunds.

  4. Check the amount suggested by the system in the refund window.

    If you'd like to charge the customer a refund fee, deduct it from the amount to be refunded.

  5. Finally, save the refund.

Kustom returns the amount you specified to the customer using the original payment method.

Editing order products

In orders paid with Kustom Checkout, it is possible to modify the product content depending on the customer's country and the payment method used for the order. Orders paid with Kustom payment methods are subject to certain restrictions, which are outlined below. You can freely edit the content of orders paid with services other than Kustom.

The payment method used by the customer appears in the Payment transactions drop-down menu on the right side of the order page.

Depending on the customer's country and the payment method used, the following changes to the order are possible beforethe activation of payments:

  • modifying product prices, quantities, and tax rates
  • adding and editing products
  • modifying delivery and payment costs
  • modifying the order discounts.

In some situations, Kustom rejects changes if they would increase the order total.

Kustom reviews the changes you make and approves or rejects them based on the customer's credit information. The inspection takes place immediately, and the Kustom system returns the result as soon as you have modified the order's product content. After approval, the amount to be paid and the order details in the Kustom merchant portal are updated automatically.

After activating the payment, you can freely edit the prices, quantities, and tax rates of order products. Activation of payments is only possible if the amounts match in the admin panel and in the Kustom merchant portal.

When you add products to the order, you must create a new transaction for the changed order amount using a service other than Kustom. When you remove or return products, you can refund Kustom payments directly from the order page.

Editing Payments in the Kustom Merchant Portal

You can also edit payment amounts in the Kustom merchant portal, and the changes will automatically update in your admin panel.

Only the payment amount can be modified in the Kustom merchant portal. Changes made to individual product lines in the merchant portal do not update in the online store.

Selling with local currencies and payment methods

Settings > Kustom Checkout In the Checkout settings section, you can specify the countries to which you want to sell using local currency and payment methods.

Countries supported by Kustom Checkout:
  • Switzerland
  • Denmark
  • United Kingdom
  • Norway
  • Sweden
  • United States

Selling in local currencies requires that your Kustom account supports it.

If your Kustom ID does not support the currency you selected in the checkout page settings, the first attempt to use it at checkout will automatically disable the selection, after which the currency for payments will be euros.

If payment is not successful even in euros, ask the Kustom customer service to enable the Global setting for your account.

Selling in local currencies is only possible with Klarna Payments payment methods. MyCashflow's internal payment services and PayPal are available at checkout only when the currency is euro.

B2B sales

In addition to the regular checkout intended for consumer customers, Kustom Checkout includes a B2B checkout, whose functions are specifically designed for the needs of business, i.e., B2B sales.

You can enable B2B sales at Kustom Checkout via the Settings > Kustom Checkout page's Checkout settings section.

The Kustom Checkout B2B feature does not support international trade.

If your store sells products to a business operating in a different country, instead of Kustom Checkout, a suitable payment method could be MyCashflow Invoice, with which you can set prices to be displayed excluding VAT, just like in the store version intended for resellers.

Enabling B2B sales results in the following changes at checkout:

  • The customer can choose to order as a company or as an individual.
  • The B2B checkout is displayed automatically to logged-in business customers.
  • Business customers:
    • must provide a company name and business ID
    • have the option to provide a reference number
  • Finnish business customers see a VAT differentiation.
  • Only the following payment methods are available at the checkout:
    • anticipated payment
    • cash-on-delivery
    • card
    • invoice
    • PayPal

Shipping methods in the Kustom Checkout service

At Kustom Checkout you can set multiple additional details for shipping methods that are not currently available when using other payment services.

Setting delivery times for shipping methods

On the shipping method form, you can set delivery times for the shipping methods used with the Kustom checkout.

You can define the following settings:

  • Delivery time: minimum and maximum delivery time
  • Order before time: the order time before which orders can be delivered within the estimated delivery time

Setting additional information for shipping methods

You can add multiple additional details to the shipping method form or shipping method details, which will be visible at the Kustom Checkout alongside the shipping method.

You can set the following types of additional information for shipping methods in the Shipping features section of the shipping method form:

  • Carbon compensated
  • Eco-friendly
  • Evening delivery
  • Express delivery
  • Recommended

Shipping methods at Kustom Checkout

In MyCashflow Kustom Checkout uses the Kustom Shipping Assistant, which presents shipping methods differently than the default MyCashflow checkout.

Here's an overview of how the checkout differs from the built-in MyCashflow checkout:

  • The name of a shipping method does not appear in the shipping method menu, but rather the type of delivery service it uses (e.g., Posti Postal Parcel appears at checkout as Parcel locker).
  • The shipping method displays the additional information and delivery time set for it, if these have been specified.

If your online store uses Pickup-type shipping methods, ensure that different pickup points are added to the settings of a single shipping method and not as separate shipping methods.

The Kustom Shipping Assistant is a paid service offered by Kustom, which in MyCashflow is included in the Kustom Checkout solution at no additional cost.

Customizing the design of the checkout page

The Kustom Checkout page is internal to MyCashflow, so it cannot be customized in the theme. However, you can define the logo and the colors of the elements visible at the checkout.

Colors

You can specify the colors for the following elements:

  • the top bar background
  • the top bar text
  • buttons' backgrounds
  • buttons' texts
  • links

You can define colors in the Checkout settings section on the Settings > Kustom Checkout page by using the Hex color model.

Logo

You can specify whether the store's or the store version's logo is visible in the checkout header.

You can enter the store's logo in the general settings, and the store version's logo in the version's additional settings.

Using other payment services at Kustom Checkout

At the moment you can use the following payment services alongside Kustom Checkout:

If you'd like to use any of the above-mentioned services at Kustom Checkout, ask the MyCashflow customer service to add support for them.

Once the support has been added
  • check the visibility of additional payment services on the Settings > Kustom Checkout > Summary page, and, when necessary, make the desired changes in payment method settings
  • if you'd like to use PayPal, add a new PayPal payment method to your online store. The new PayPal implementation used at Kustom Checkout is automatically enabled when you create a new payment method or make a copy of an old PayPal payment method.

    Currently, the new implementation of PayPal works only at Klarna's checkout, so make sure that the payment method isn't visible in any version that uses MyCashflow's checkout.

Using Klarna's on-site messaging banners in the online store

The banners for on-site messaging enable you to display personalized messages to customers registered with Klarna.

To learn more about on-site messaging banners, see Klarna's website.

Below, we go through the setup, installation, and management of banners.

Enabling on-site-messaging

  1. In Klarna Merchant Portal go to the Communication page.
  2. Select the merchant ID you use in your online store and press the Continue button.
  3. Copy the contents of the data-client-id field (e.g. 3eb846eb-a75c-5992-bca9-4ae2cd0bae25) included in the script.
  4. In the admin panel of your online store, go to Settings > Kustom Checkout > Checkout settings.
  5. Paste the identifier you copied into the On-site messaging section's Client ID field.
  6. Save settings.

You can now install on-site messaging banners at any location in your online store.

Installing on-site messaging banners in your online store

Installing on-site messaging banners requires modifying the theme's HTML files. If you're not familiar with modifying themes, contact the designer of your store theme or our customer service.

Install Klarna's on-site messaging banners in your online store by adding the <klarna-placement> element anywhere in the theme where you want to display on-site messaging banners.

For instance, the product template (product.html) can be a good place for displaying banners.

You can find the placement tags for on-site messaging banners the Klarna Merchant Portal, on the page On-site messaging > Placements.

Managing on-site messaging banners

After enabling on-site messaging banners in your online store, you'll be able to manage them in the Klarna Merchant Portal.