1. Spending limit < order value: If the item value in your cart is more than your spending limit, Koko option will be grayed out at check-out 
  2. Not whitelisted: If you are not part of the whitelisted user base, Koko option will be grayed out at checkout. 
  3. How to become part of the whitelisted user base: Our algorithm reads your customer behavior on Daraz over a period of time and then based on certain metrics it whitelists customers on Koko. 
  4. If the product you are purchasing is not whitlisted for Daraz X KOKO purchases the option will be grayed out at checkout