Pay by bank
Pay by bank

Bank Transfer.

Initiate banking payments online.

Benefits.

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.

Cut costs.

Save money compared to cards and direct debit with low-cost Open Banking payment initiations.

Meet some of our partners.

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Try our smoooth demo.

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.


For developers

Get started with our self-onboarding.

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?

Unbeatable reach.

Our bank coverage is the biggest in the market with the highest conversion rate.

We have done this before.

We’ve been connecting banks since 2005, long before PSD2.

A proven and stable platform.

With more than 1 billion transactions on our platform, nobody else comes close.

Peerless UX.

Our front-end design and user experience give you superior conversion.

Flexible branding.

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.

Easy peasy.

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.

Widest coverage. Best in class conversion rates.

Available all around Europe and the USA.

27

markets live. We’ve got you covered with bank connections in 27 countries around the world giving you access to at least 95% of bank accounts.

+15K

banks connected and growing! Benefit from our extensive coverage and best-in-class conversion rates.

Get in touch

Get in touch.

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