Direct payments without the middlemen.
Open Banking payment initiation gives your customers more choice at a lower cost.
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.
Streamline your onboarding process with Open Banking.
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.
Get it right the first time, every time.
Initiate bank transfers online.
SOFORT Bank Transfer.
The account-to-account payment method that allows your customers to pay directly and securely using just their online banking details.
Get started in our playground environment.
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 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.
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.
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.
Get in touch.
Have questions? Want to talk? We got you. Our open banking experts are at the ready.