About us klarna kosma
About us klarna kosma

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.

Launched in 2022, Klarna Kosma is Klarna’s Platform for banks, fintechs and innovative merchants, which are developing payment services or need access to financial data to create their own solutions benefitting the end-user.

Our proven and mature platform has been operating since 2005, providing essential connectivity to a growing network of more than 15,000 banks in 27 countries through a single Open Banking API. We process more than 1 billion transactions a year and are the most extensive Open Banking platform in the world.


Klarna and Kosma.

Klarna has more than 15 years of experience in the Open Banking space. With Kosma, we’re leveraging this expertise and brand value to forge a new suite of Open Banking products and solutions. Kosma might be a new name, but it’s the engine that has been powering Klarna all this time. And now it can power your business too.

Our history.

Where it all started

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.

Buy now, pay now.

Much more than buy now, pay later.

In 2014 Klarna acquires SOFORT to create the smooothest online payments group.

A new era in Open Banking.

A new era in Open Banking.

The launch of the Klarna Kosma platform in 2022 further strengthens Klarna's footprint in the Open Banking space.

Our offices.

We’re a global company with a local presence in the biggest regions we’re servicing.

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Get in touch

Get in touch.

Have questions? Want to talk? We got you. Our Open Banking experts are at the ready.