Direct payments without the middlemen.

Open Banking payment initiation gives your customers more choice at a lower cost.

The challenge.

Getting payments wrong can lead to a higher rate of abandoned carts, failed payments, chargebacks and costs.


Obstacles in the onboarding process can deter customers and reduce sales.


Card payments are the most common source of fraud online.


Taking card payments can lead to high fees and more failures.

How can Kosma help.

Boost conversions.

Streamline your onboarding process with Open Banking.

Cut costs.

Avoid high card fees through direct banking payments.

Fraud, what’s that?

Authenticating accounts directly with the bank reduces your risk of fake or inaccessible IBANs.

Discover the products.

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Account Verification.

Get it right the first time, every time.

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Bank Transfer.

Initiate bank transfers online.

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SOFORT Bank Transfer.

The account-to-account payment method that allows your customers to pay directly and securely using just their online banking details.

Why Klarna Kosma?

Unbeatable reach.

Our financial institution coverage is one of 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.

Peerless UX.

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

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.


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.