By default KCO will generate terms to meet data compliancy. In European markets the customer is shown Klarna’s User Terms, Klarna’s Privacy Notice and Kustom Checkout Privacy Notice for GDPR compliancy. In other countries the customer is shown Klarna’s Terms and KCO's terms.
Note: These terms are always present below the “Place Order” button.

When a new order is created merchant_urls.terms is a required parameter. The value of this should be a URL pointing to the merchants terms and conditions. Based on this KCO will generate an addition to its original terms, where the link to terms & conditions uses the target value passed by merchant and Merchant Name is replaced by the name of a Merchant. It's important that the terms URL is pointing towards a HTTPS address and not a HTTP address, otherwise KCO might strip the link for security reasons.

In addition to the KCO terms, it is possible for a Merchant to attach additional parts. These terms are split into two parts:

• Merchant Cancellation Terms
• Additional Merchant Terms

When a new order is created merchant_urls.cancellation_terms is an optional parameter. The value of this should be a URL pointing to merchant cancellation terms. If this was passed it will be appended to Merchant Terms, where the target of the Right to Withdrawal link uses the URL passed.

When a new order is created options.additional_merchant_terms is an optional parameter. The value of this should be a text string following Markdown syntax. If this was passed it will be appended to Merchant Terms, or if Merchant Cancellation Terms was passed to Merchant Cancellation Terms.

If the text string additional_merchant_terms: "Custom text specified by [Merchant]()." was passed it would result in:

There exists an additional feature in regards to Merchant Terms that allows a Merchant to specify that Merchant Terms should be attached to a checkbox. This follows the same procedure as one would use to add a checkbox into KCOs Checkout flow, but where a unique identifier is used, and therefore is interpreted by KCO to move all merchant related terms (as specified under heading Merchant Terms) to a checkbox.

Note: A checkbox, if set, is always present above the “Place Order” button.

When a new order is created options.additional_checkboxes is an optional parameter. The value should be an array containing each checkbox the merchant wishes to show. To activate the Merchant Terms in Checkbox feature the unique identifier "additional_merchant_terms_checkbox" should be used.

To illustrate this lets take the generated terms string, as demonstrated above:

But in addition to all the above mentioned setting lets also add an additional checkbox with the unique identifier.

options:{
    additional_checkboxes: [{
        id: "additional_merchant_terms_checkbox",
        text: "",
        checked: false,
        required: true
    }]
}

This would result in an unchecked checkbox above the “Place Order” button, that is required, containing the text label:

While below the “Place Order” button Klarna’s and KCO's terms would be shown.

It should be mentioned that the Merchant could also pass along custom text, in Markdown format, that would be pre-pended to the Merchant Terms checkbox label.

options:{
    additional_checkboxes: [{
        id: "additional_merchant_terms_checkbox",
        text: "I'm over 18 years old and have read [Extra information]()",
        checked: false,
        required: true
    }]
}

Which would result in an unchecked checkbox above the “Place Order” button, that is required, containing the text label:

While below the “Place Order” button KCO's and Klarna’s terms would be shown.