External payment methods & external checkouts

This document details how to add external payment methods or external checkouts to the KCO iframe.

External payment methods and checkouts enable merchants to offer payment options not currently available directly through KCO. Users will be redirected to a merchant-provided URL to complete the purchase. The merchant is responsible for the entire purchase flow, including order summaries, confirmations, and order reconciliation.

External Payment Methods in KCO

How does it work?

When the KCO checkout loads, external payment methods can be added. Customers provide address details within KCO, but selecting an external payment method redirects them to a merchant-provided URL for final purchase completion.

Important: The merchant is responsible for the full purchase process, including order summary, confirmation, and reconciliation.

How to Implement

Use the external_payment_methods object to include these methods in KCO's payment flow. This object should contain the method name, redirect URL, optional image URL, and an optional fee.

KCO redirects users to the specified URL upon selecting the external payment method. The merchant must handle the entire purchase process on this external page. This includes integration for order completion, including order confirmation and summary pages.

Important Considerations:

• No customer data is shared between Kustom and the external payment provider.
• The merchant or external provider must securely manage and store all necessary user data (e.g., address, name) for completing the purchase.
• External pages for completion of the purchase flow are the responsibility of the merchant or the external provider.
• New backend integration is required with the external payment provider.
• Klarna's buyer protection does not apply to external payments. Merchants should clearly indicate this payment method as external.
• A contract agreement is necessary; contact your account manager for details.

"external_payment_methods": [
    {
        "name": "Cash on delivery",  // Mandatory
        "redirect_url": "https://...", // Mandatory. HTTPS. Page for completing the purchase.
        "image_url": "https://...",    // Optional. HTTPS. Exact size: 69x24px
        "fee": 1450                  // Optional fee added to the order.
        "description": "Lorem..",     // Optional. 500 character limit. Links can be set with the Markdown syntax [Text](external-payment-methods/URL.md)
    }
]

Supported External Payment Methods

A list of supported payment methods is available in a table format, highlighting their respective primary usage regions. The names are case-sensitive.

External Checkouts in KCO

How does it work?

External checkouts, such as specific payment wallets, appear as buttons in the KCO checkout. Clicking an external checkout button redirects the user to a merchant-provided external URL to complete the purchase. Kustom does not create or manage the purchase order or associated data for these transactions. All purchase processing, including confirmation pages and order summaries, are the merchant's responsibility.

How to Implement

For external checkouts, KCO does not collect user data. The merchant is responsible for securely collecting, managing and storing all necessary information for finalizing the external checkout process.

Important Considerations:

• Kustom does not create or track orders for external payment methods.
• Secure data management for the purchase completion on the external checkout page is the merchant's responsibility.
• External pages for order completion, order confirmation, and buy buttons are handled by the merchant or the external provider.
• New backend integration is required with the external provider.
• Klarna's buyer protection does not apply to external checkouts.

"external_checkouts": [
    {
        "name": "Non Klarna eWallet", // Mandatory
        "redirect_uri": "https://...",  // Mandatory. HTTPS. Page for completing the purchase.
        "image_uri": "https://...",     // Mandatory. HTTPS. Exact size: 276x48px
        "fee": 1450                   // Optional fee added to the order.
    }
]

Supported External Checkouts

A table displays supported external checkout options. Method names are case-sensitive.

Note: A contractual agreement with external payment providers is required for compliance.