Initiate banking payments online.
Move money quickly.
Approve bank payments instantly for a frictionless customer experience.
Seamless PIS integration.
Offer payment solutions under the Klarna brand or your own fully customizable UX.
Save money compared to cards and direct debit with low-cost Open Banking payment initiations.
Meet some of our partners.
Try our Account Information Service (AIS) and Payment Initiation Service (PIS) flows. Our live Open Banking demo will let you log in with our demo bank account and retrieve information, such as the IBAN, account number, balances, and recent transaction history. You’ll also be able to get a taste of our payment initiation service flow by donating a small amount to a charity of your choice.
Start building in no time. Find everything you need to get started in our documentation and start developing right away by signing in to our Partner Portal.
Why Klarna Kosma?
Our financial institution coverage is the biggest in the market with the highest conversion rate.
We have done this before.
We’ve been connecting financial institutions since 2005, long before PSD2.
A proven and stable platform.
With more than 1 billion transactions on our platform, nobody else comes close.
Our front-end design and user experience give you superior conversion.
Already got your bank license? With our white-label solution, you can build on top of our API and customize it to fit your brand.
Simple integration, maintenance and documentation in a full-specced development and testing environment.
Best-in-class conversion rates.
We only offer you the best, that's why our solutions offer you top-notch conversion rates.
Available all around Europe and the USA.
markets live. We’ve got you covered with financial institution connections in 27 countries around the world giving you access to at least 95% of bank accounts.
financial institutions connected and growing! Benefit from our extensive coverage and best-in-class conversion rates.
bank coverage in each market we cover.
Have questions? Want to talk? We got you. Our open banking experts are at the ready.