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 * Industries
   
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    * Industries
   
    * Banking
      Banking
    * Ecommerce
      Ecommerce
    * Gaming
      Gaming
    * InsurTech
      InsurTech
    * Payment Service Providers
      Payment Service Providers
    * WealthTech
      WealthTech
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    * Banking
      Banking
    * Ecommerce
      Ecommerce
    * Gaming
      Gaming
    * InsurTech
      InsurTech
    * Payment Service Providers
      Payment Service Providers
    * WealthTech
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 * Products
   
   Products
   
   
   
    * Products
   
    * NEW: Kosma ID
      NEW: Kosma ID
    * Account Verification
      Account Verification
    * Bank Transfer
      Bank Transfer
    * Business Transactions Management
      Business Transactions Management
    * Categorization
      Categorization
    * Identification
      Identification
    * Multibanking
      Multibanking
    * Risk Management
      Risk Management
    * Verification
      Verification
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    * NEW: Kosma ID
      NEW: Kosma ID
    * Account Verification
      Account Verification
    * Bank Transfer
      Bank Transfer
    * Business Transactions Management
      Business Transactions Management
    * Categorization
      Categorization
    * Identification
      Identification
    * Multibanking
      Multibanking
    * Risk Management
      Risk Management
    * Verification
      Verification
    * View all →
      View all →

 * For developers
   For developers
 * Coverage
   Coverage

 * Resources
   
   Resources
   
   
   
    * Resources
   
    * Blog
      Blog
    * Reports and case studies
      Reports and case studies
    * Pressroom
      Pressroom
    * Glossary
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    * Blog
      Blog
    * Reports and case studies
      Reports and case studies
    * Pressroom
      Pressroom
    * Glossary
      Glossary

 * About us
   
   About us
   
   
   
    * About us
   
    * About Klarna Kosma
      About Klarna Kosma
    * Contact sales
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    * About Klarna Kosma
      About Klarna Kosma
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OPEN BANKING PROVIDER. WITH ADDED KLARNA.

Scalable. Proven. Smoooth. Plug your business into the power of Klarna.

Contact us
Start developing now


WE'RE ONE OF THE MOST SCALABLE AND PROVEN OPEN BANKING PROVIDERS IN THE WORLD.

We provide connections to 15.000 financial institutions, so you can focus on
your innovative end-user solutions

financial institutions connected and growing.

markets covered and counting.

bank coverage in each market.

Check our coverage
Identify and verify identities the smoooth way.

Fast
Identify and onboard users quickly and seamlessly.


User-friendly
Instantly verify the user’s identity.


Compliant
Meet your AML requirements.







Discover Kosma ID


OUR PRODUCTS.

ACCOUNT VERIFICATION.

Automatically check that bank account numbers are real and belong to the user
during the signup process.

Learn more

BANK TRANSFER.

Initiate banking payments through a fully customizable white label solution or
under the Klarna brand.

Learn more

BUSINESS TRANSACTIONS MANAGEMENT.

Stay on top of everything. Simplify how you manage your business’s finances.

Learn more

CATEGORIZATION.

Access actionable insights based on transaction history using machine learning.

Learn more

IDENTIFICATION.

Cut costs and get the best UX to identify your customers. Connect to Kosma
Identify and rely on Klarna for your AML conform identifications all over
Europe.

Learn more

KOSMA ID.

Cut costs, boost conversion and simplify onboarding flow: Kosma ID provides a
fast, user-friendly and complete onboarding flow.

Learn more

MULTIBANKING.

Connect your business to different bank accounts from multiple banks and access
them in a single place.

Learn more

RISK MANAGEMENT.

Understand your customer’s finances and notice potential risk elements based on
data insights.

Learn more

VERIFICATION.

Check the name, age, address, accounts and/or other data of your customer by
receiving verified user data and identity attributes via our Kosma platform.

Learn more
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.

Sign up
Documentation & API reference
Try our smoooth demo.

Try our Account Information Service (AIS) and Payment Initiation Service (PIS)
flows. Our live open banking demo will let you login with your bank account and
retrieve information from your account, such as the IBAN, account number,
balances, and recent transaction history. You’ll also be able to get a taste of
our payment initiation service flow by donating a small amount to a charity of
your choice.

Try our demo


WHY KLARNA KOSMA?

UNBEATABLE REACH.

Our financial institution coverage is 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.

Show more
Widest coverage. Best in class conversion rates.

Available all around Europe and the USA.

See our financial institution coverage

27

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.

+15K

financial institutions connected and growing! Benefit from our extensive
coverage and best-in-class conversion rates.

>95%

bank coverage in each market we cover.


MEET SOME OF OUR PARTNERS.

 * Klarna
 * Peaks
 * Lysa
 * Krea
 * Kameo
 * Friday Finance

Klarna

Klarna’s payment initiation service method is optimized for new and returning
bank transfer users, allowing them to benefit from Klarna Kosma's open banking
capability to leverage so-called PIS-only flows.

Peaks

Peaks uses Klarna Kosma’s AIS and PIS open banking solutions to make investing
accessible for everyone in Germany and The Netherlands. Every time a user makes
a purchase the Peaks app automatically rounds up the amount to the next Euro,
investing the difference in a sustainable portfolio of ETFs.

Lysa

Lysa is one of the leading advisors in the Nordics. With new technology and
Klarna Kosma’s AIS and PIS open banking solutions, Lysa offers smart savings
accounts that automatically invest their customer's money with high
diversification and ultra-low fees.

Krea

Krea helps companies find the best possible loan. Integrated with Klarna Kosma’s
Open Banking and Data Platform, Krea customers are able to connect their bank
data directly to their loan applications.

Learn more
Kameo

Kameo is Scandinavia’s leading real estate investment platform. Through its
platform, Kameo provides credit to small and medium-sized businesses and real
estate projects, financed by thousands of investors. With Klarna Kosma's open
banking solution, investors can pay their investments directly from their bank
accounts.




Learn more
Friday Finance

Open banking enables Friday Finance to aggregate its customers’ bank accounts in
one place, providing a real-time overview of their business operations that used
to be reserved for large corporations. By marrying this overview with features
like automated pre-accounting, cash flow and forecasting, the ability to make
payments, and cash advance, Friday Finance has built a hub where all financial
decisions of SMBs are made.


USED BY MANY.




SOLUTIONS BY INDUSTRY.

Our Kosma Open Banking and Data Platform helps you find the best solution for
your business. Discover how can Klarna Kosma power your game-changing ideas.

 * Banking
 * Ecommerce
 * Gaming
 * InsurTech
 * Payment Service Providers
 * WealthTech

Banking

Quickly deliver an engaging digital banking solution with a single API.

Learn more
Ecommerce

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


Learn more
Gaming

Whisk players through the signup process, getting them playing in no time, and
offer them in-game payments.

Learn more
InsurTech

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

Learn more
Payment Service Providers

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

Learn more
WealthTech

Onboard customers and verify their identity quickly, and enable instant,
low-cost money transfers.




Learn more

Are you the first one in your industry to try open banking? Contact us to learn
more about how Klarna Kosma can support you.




Contact us
Get in touch.

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

Contact us
 * Products.
 * NEW: Kosma ID
 * Account Verification
 * Bank Transfer
 * Business Transactions Management
 * Categorization
 * Identification
 * Multibanking
 * Risk Management
 * Verification

Products.


 * NEW: Kosma ID
 * Account Verification
 * Bank Transfer
 * Business Transactions Management
 * Categorization
 * Identification
 * Multibanking
 * Risk Management
 * Verification

 * Solutions by industry.
 * Banking
 * Ecommerce
 * Gaming
 * InsurTech
 * Payment Service Providers
 * WealthTech

Solutions by industry.


 * Banking
 * Ecommerce
 * Gaming
 * InsurTech
 * Payment Service Providers
 * WealthTech

 * About us.
 * About Klarna Kosma
 * Contact sales
 * Blog
 * Reports and case studies
 * Pressroom
 * Coverage

About us.


 * About Klarna Kosma
 * Contact sales
 * Blog
 * Reports and case studies
 * Pressroom
 * Coverage



Copyright © 2005-2022 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden.
All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm.
Organization number: 556737-0431

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