Generation 4 builds on the Composable Payments product strategy: a modular architecture where the components of the payment flow can be combined, replaced and extended to fit the merchant's needs. The launch brings conversion optimisation, upsell and loyalty together in a single solution.

"With Generation 4, we are taking a major step forward in our product development, and we are doing so with a strong first quarter behind us. As a growth partner for modern commerce, we help merchants sell more, retain their customers and strengthen profitability across the entire customer journey. The work continues, with the goal of delivering a world-leading product for merchants and their customer journey," says Christoffer Rutgersson, CEO, Qliro.

Qliro works from data and runs continuous A/B tests against alternative solutions. Recent A/B tests, in which Qliro Checkout Generation 4 was put up against a leading Nordic player, show conversion improvements of up to +13%. With this result, Qliro has yet to lose an A/B test on conversion since the launch of Qliro Checkout 0.0 in 2024.

Highlights of Qliro Checkout Generation 4

• Qliro Fast Track – a one-click checkout that saves the customer's preferences for even higher conversion. The customer remains fully in control of their own details, but is spared from entering them at every transaction.
• Robust validation – improved postal code and email address verification, together with safe pre-fill, reducing drop-offs and increasing completed purchases.
• Multi-Channel Checkout – the same checkout across every channel. Merchants can create payment links for seamless payments anywhere, with pre-filled details generated directly in the web platform, and with the Qliro SDK the checkout can be embedded into the merchant's own app.
• Upsell 2.0 – data-driven post-purchase recommendations added in a single click, available for all payment methods. AI-driven recommendations through integration with Sift Lab.
• Loyalty – CRM integration with Voyado and Klaviyo for loyalty sign-ups and campaign visibility in the Qliro app.
• Scalable across markets – multi-language support with multiple currencies, local payment methods and built-in compliance.
• Full design flexibility – layout, colours, payment method order and delivery options can be tailored fully to the brand.
• Smarter shipping and integrations – integrated delivery with control over delivery options, pricing and tracking, connected to the existing tech stack or built via API.

"Everything we build is data-driven. We continuously review what merchants and end consumers actually do, and let that decide the next step. Together with Lyko, we developed post-purchase upsell for all payment methods, and at launch upsell increased by +120%. With Fast Track, we take this further into a one-click experience that saves the consumer's preferences – something we are not aware of any other checkout in the Nordics offering today," says Evelin Kaup, CPO, Qliro.

The launch follows a strong first quarter of 2026, in which Qliro turned to profitability. During the quarter, total payment volume (TPV) grew by +38%, net revenue by +19% and the number of connected merchants by +148% compared with the same period the previous year.