Payment Service Providers.
Payment Service Providers.

Payment Service Providers.

Move money fast.

Let users send and receive direct bank payments from within your app or website.

The challenge.

Delivering reliable payments, managing credit risks, and ensuring security and fraud protection, all at a low cost.

Incomplete payments.

Failed payments and chargebacks can add to costs and frustrate merchants.

Credit risks.

Slower payments and incomplete credit reports can heighten risks.

Fraud protection.

Security risks increase with every extra link in the payments chain.

How Kosma can help.

Smoooth flow.

Keep users on your platform — from onboarding to checkout.

Low fees.

Direct bank payments cut out middlemen and their high fees — and they cut fraud.

Don’t blink.

Money moves fast on our Open Banking and Data Platform, with instant acceptance and confirmations.

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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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.