Disrupt insurance with smoooth payments.
Improve efficiency, cut costs and deliver tailored solutions with direct banking payments.
Insurance is a heavily regulated sector where reliable, timely payments are critical to policy coverage.
Ensuring a high level of compliance requires trusted partners.
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.
Create tailored products that take advantage of fast, low-cost, flexible payments.
Settle claims seamlessly through your app as soon as they are approved.
Wipe out admin costs, eliminate delays, delight your policyholders and disrupt the industry.
Discover the products.
Get it right the first time, every time.
Initiate bank transfers online.
Use transaction history to understand risk.
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?
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.
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 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.
Have questions? Want to talk? We got you. Our open banking experts are at the ready.