Disrupt insurance with smoooth payments.

Improve efficiency, cut costs and deliver tailored solutions with direct banking payments. 

The challenge.

Insurance is a heavily regulated sector where reliable, timely payments are critical to policy coverage.


Ensuring a high level of compliance requires trusted partners.

Timely payments.

To automate insurance, premiums and claims need to settle fast.


Insurance payment solutions need to fit into a complex technology stack.

How Kosma can help.

Unleash innovation.

Create tailored products that take advantage of fast, low-cost, flexible payments.

No-fuss claims.

Settle claims seamlessly through your app as soon as they are approved.

Efficiency gains.

Wipe out admin costs, eliminate delays, delight your policyholders and disrupt the industry.

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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Risk Management.

Use transaction history to understand risk.

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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?

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.

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.


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.

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Get in touch.

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