Your Checkout Is Turning Away Buyers Who Can't Pay Today
Full amount. Right now. Or leave. That's what a cash-only checkout tells your customers. Kustom Payment gives you Pay Now, Pay Later, installments, and full admin control — all inside J2Commerce.
Everything You Need to Stop Losing Sales
Two checkout modes. Five payment categories. Full admin lifecycle from your order screen. This is what a modern BNPL integration looks like.
KCO Embedded Checkout
Klarna's full payment widget renders inline on your checkout page. Customers never leave your site. No redirects, no broken back buttons, no lost sessions. They pick their method, pay, and you get the order.
HPP Hosted Payment Page
Customers redirect to Kustom's fully hosted payment page — designed and maintained by Klarna. You configure which payment categories appear. They pay. Your store confirms the order. Bulletproof simplicity.
Pay Later — Invoice
Customer places the order and pays after delivery. Kustom underwrites the credit risk and you get paid immediately — upfront, in full. The dominant checkout preference in Scandinavia. Growing fast everywhere else.
Pay Over Time — Installments
A $400 jacket becomes four monthly payments of $100. A $900 sofa becomes manageable. You receive the full purchase amount upfront from Kustom. Customers pay Kustom on their schedule. The cart that would have bounced becomes a sale.
Direct Debit + Bank Transfer
Bank debit and instant bank transfer for the buyers who don't use cards. Essential in markets where bank-native payments dominate. Enable per category. Kustom handles the clearing. You get the order.
Authorize Only Mode
Place an authorization hold at checkout without charging immediately. Perfect for custom orders, pre-order fulfillment, or B2B review workflows. When you're ready, hit Capture on the order screen. Funds settle. Job done.
Partial Refund with Custom Amount
Refund exactly what you owe — not everything, not nothing. Enter the amount in a clean modal. Maximum enforced so you can't accidentally over-refund. Kustom processes it. Your balance widget updates. Done in under a minute.
Live Payment Balance Widget
Every Kustom order gets a real-time balance card: order total, refunded so far, net paid, balance due. Pulled live from Kustom's API on every page load. If a refund happened outside J2Commerce, it shows up here anyway. Your books always match.
Idempotency + Double-Charge Guard
Every admin action carries a unique key — click Capture twice, charge once. A separate guard at checkout entry blocks a customer refreshing the payment page from getting billed again. These aren't nice-to-haves. They are non-negotiable.
Real-World Use Cases
Stop Leaving Your Best Customers at the Door
Every day without BNPL is a day you're turning away the buyer who wanted the $400 jacket, the $900 sofa, and the next six orders after that. Two checkout modes. Five payment categories. Full admin control. Kustom Payment — because "pay it all right now or leave" is not a checkout strategy.
Translated In The Following Languages
Arabic Unitag (ar-AA), Chinese, Traditional (zh-TW), Danish (da-DK), Dutch (nl-NL), English (en-GB), English, USA (en-US), Finnish (fi-FI), French (fr-FR), German (de-DE), Greek (el-GR), Hebrew (he-IL), Italian (it-IT), Japanese (ja-JP), Norwegian Bokmål (nb-NO), Persian Farsi (fa-IR), Polish (pl-PL), Portuguese, Brazil (pt-BR), Portuguese, Portugal (pt-PT), Russian (ru-RU), Spanish (es-ES), Swedish (sv-SE), Turkish (tr-TR)
License Information
An active license entitles you to updates, downloads, and support for the duration of the license period. You may continue using this plugin indefinitely without an active license; however, support, updates, and downloads will not be available while your license is inactive.
- Developer J2Commerce
- J2Commerce Version 6.x
- Joomla Version 6.x
Arabic Unitag
Chinese, Traditional
Danish
Dutch
English
English, USA
Finnish
French
German
Greek
Hebrew
Italian
Japanese
Norwegian Bokmål
Persian Farsi
Polish
Portuguese, Brazil
Portuguese, Portugal
Russian
Spanish
Swedish
TurkishImprovement Multi-currency charge conversion
Fix Casing fixed for type attribute of fields
Fix use type="Geozone" so the field loads on Linux
New Feature J2Commerce v6 and Joomla 6 support
Full Payment Lifecycle — Without Leaving J2Commerce
Four critical payment management actions — Capture, Full Refund, Partial Refund, and Order Cancel — all live on the J2Commerce order screen. No Kustom dashboard tab. No manual cross-system reconciliation. No guessing which system has the right number.
- One-click Capture settles an authorized-only hold instantly
- Full Refund triggers Kustom processing and updates your order status automatically
- Partial Refund modal enforces the maximum refundable amount — no expensive mistakes
- Cancel Order kills an authorized order before any charge ever processes
- Every action writes to order history with the admin user's name and timestamp
Five Payment Categories. One Plugin. Every Buyer Covered.
Pay Now, Pay Later invoice, Pay Over Time installments, Direct Debit, Direct Bank Transfer. Each one targets a different buyer profile. Enable the categories that match your market and hide the rest. Running HPP mode? You choose exactly which categories appear on Kustom's hosted page.
- Pay Later — you get paid now, customer settles with Kustom post-delivery
- Installments — high-AOV purchases become accessible without the sticker shock
- Bank-native options for markets where cards are secondary
- Per-category HPP filtering — show exactly what fits your audience
Configuration That Gets Out of Your Way
Every payment plugin detail is tunable. Restrict Kustom to specific geozones. Set minimum and maximum cart thresholds. Add a surcharge. Customize the display name and logo. Map each outcome — confirmed, cancelled, fully refunded, partially refunded — to its own J2Commerce order status. Five lifecycle message fields let you inject custom text exactly where you need it.
- Geozone restriction — offer Kustom only in the countries it's available
- Min/max subtotal gates — hide below $20, hide above $5,000
- Optional surcharge (percent + fixed + tax profile)
- Sandbox mode with a separate test key — verify every flow before going live
- Dashboard credential warning fires if you go live without a real API key
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