Check the name, age, address, accounts and/or other data of your customer by receiving verified user data and identity attributes via our Kosma platform.

Want to know more about our new Verification?

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.


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.


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.