Hi! We’re Klarna Kosma.

Actually, we’ve already met. We power many of the things you love most about Klarna.

Klarna Kosma makes game-changing ideas powerfully real.

Klarna Kosma is Klarna’s dedicated platform for banks, fintechs, and innovative merchants. Klarna Kosma’s goal is simple: To make finance more accessible, fair, and simple for everyone, and to improve connectivity between consumers and exciting, innovative service providers who are building the next generation of disruptive financial services products.

Klarna Kosma achieves this by making it possible for companies to leverage our proprietary technology to build new products that benefit the end user. Our mature open banking platform is offering essential connectivity to more than 15,000 banking partners across the globe through a cutting-edge open banking API, and this number is constantly growing.

Years’ worth of experience.

Countries where we operate.

Banking partners in our global network.

Annual transactions processed.

Klarna + Kosma = better open banking

Klarna has more than 17 years’ worth of experience in the open banking space. With the introduction of Kosma, we’re using this expertise and existing brand value to forge a whole new suite of leading open banking products and solutions.

Although Kosma might be a new name, the engine powering it is anything but—so why not put it to work driving your future?

Our history.

Where it all started.

Klarna has been connecting banks since 2005, when three young Swedish entrepreneurs came up with a brilliant idea and a not-so-brilliant name — Kreditor. Good thing it rebranded as Klarna in 2009.

SOFORT so good.

SOFORT becomes the leading direct bank transfer provider in the DACH region in 2010, helping customers in Austria, Germany and Switzerland, Belgium and The Netherlands ‘pay now’ using their online banking details, leading the way to open banking and PSD2.