Klarna Kosma

aid: klarna-kosma
url: https://raw.githubusercontent.com/api-evangelist/klarna-kosma/refs/heads/main/apis.yml
apis:
- aid: klarna-kosma:klarna-kosma-xs2a-api
  name: Klarna Kosma XS2A API
  tags:
  - Open Banking
  - PSD2
  - XS2A
  - AIS
  - PIS
  - Account Information
  - Payment Initiation
  humanURL: https://docs.openbanking.klarna.com/xs2a/
  baseURL: https://api.openbanking.klarna.com
  properties:
  - url: https://docs.openbanking.klarna.com/index.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/urls.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/session.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/consents.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/transactions.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/quick-start-ais-accounts.html
    type: GettingStarted
  - url: https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html
    type: GettingStarted
  description: The XS2A API is the server-side endpoint set used by TPPs and merchants to create and control
    Open Banking sessions and flows under PSD2. The XS2A API drives Account Information Services (AIS) for
    retrieving accounts, balances, and transactions, and Payment Initiation Services (PIS) for initiating
    account-to-account bank transfers. Sessions are created against api.openbanking.klarna.com (production)
    or api.openbanking.playground.klarna.com (sandbox), and the resulting token is handed to the XS2A App
    for the consumer-facing strong customer authentication (SCA) flow.
- aid: klarna-kosma:klarna-kosma-auth-api
  name: Klarna Kosma Auth API
  tags:
  - Open Banking
  - PSD2
  - Authentication
  - Consumer Sessions
  humanURL: https://docs.openbanking.klarna.com/xs2a/auth-api-workflow.html
  baseURL: https://authapi.openbanking.klarna.com
  properties:
  - url: https://docs.openbanking.klarna.com/xs2a/auth-api-workflow.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/authentication.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/xs2a-app.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/xs2a-app-features.html
    type: Documentation
  description: The Auth API is the client-session companion to the XS2A API. Whenever the Open Banking
    flow requires consumer interaction (bank selection, strong customer authentication, multi-step form
    completion), the Auth API exposes session-scoped endpoints to obtain and submit the forms the consumer
    must fill out. It is the API surface behind the embeddable XS2A App / JavaScript SDK and is hosted at
    authapi.openbanking.klarna.com.
- aid: klarna-kosma:klarna-kosma-consent-api
  name: Klarna Kosma Consent API
  tags:
  - Open Banking
  - PSD2
  - Consent
  - Compliance
  humanURL: https://docs.openbanking.klarna.com/xs2a/consent-api-howto.html
  baseURL: https://api.openbanking.klarna.com
  properties:
  - url: https://docs.openbanking.klarna.com/xs2a/consent-api-howto.html
    type: Documentation
  - url: https://docs.openbanking.klarna.com/xs2a/consents.html
    type: Documentation
  description: The Consent API exposes the PSD2 consent lifecycle so TPPs can list, inspect, refresh, and
    revoke the consents granted by Payment Service Users (PSU). PSD2 obliges Klarna Kosma and its clients
    to keep current PSU information aligned with active consents — the Consent API is the programmatic
    surface for meeting that obligation.
- aid: klarna-kosma:klarna-kosma-insights-api
  name: Klarna Kosma Insights API
  tags:
  - Open Banking
  - Categorization
  - Insights
  - Income Verification
  - Affordability
  humanURL: https://docs.openbanking.klarna.com/acin/quick-start-insights.html
  baseURL: https://api.openbanking.klarna.com
  properties:
  - url: https://docs.openbanking.klarna.com/acin/quick-start-insights.html
    type: Documentation
  description: Kosma Insights turns raw Open Banking transaction data into categorised spend, income,
    and affordability signals. Insights covers 200+ spend categories and surfaces income streams,
    recurring outflows, and account-holder cash-flow patterns. It is the AIS-derived data product behind
    Klarna BNPL underwriting and the same product Kosma offers externally to lenders, fintechs, and
    merchants for ID verification, income verification, and risk decisioning.
- aid: klarna-kosma:klarna-kosma-kyc-api
  name: Klarna Kosma KYC API
  tags:
  - Open Banking
  - KYC
  - Identity Verification
  - Account Ownership
  - Compliance
  humanURL: https://www.klarna.com/kosma/
  baseURL: https://api.openbanking.klarna.com
  properties:
  - url: https://www.klarna.com/kosma/
    type: Documentation
  description: Kosma KYC layers account ownership and identity verification on top of the Kosma AIS
    connectivity. It confirms that the consumer authenticating against their bank is the legitimate
    account holder, returns verified name and account attributes, and supports KYC, AML, and onboarding
    workflows for lenders, fintechs, neobanks, and crypto on-ramps across the EEA and the UK.
- aid: klarna-kosma:klarna-kosma-payments-api
  name: Klarna Kosma Payments API
  tags:
  - Open Banking
  - PSD2
  - PIS
  - Payments
  - Account-to-Account
  humanURL: https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html
  baseURL: https://api.openbanking.klarna.com
  properties:
  - url: https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html
    type: Documentation
  description: Kosma Payments is the white-labeled PSD2 Payment Initiation Service (PIS) product. It
    lets merchants and platforms trigger account-to-account bank transfers directly from a consumer's
    bank, bypassing card rails. Sessions are created against /xs2a/v1/sessions on the XS2A API, the
    consumer authenticates via the XS2A App, and Kosma orchestrates SCA and settlement confirmation
    with the consumer's ASPSP under PSD2.
name: Klarna Kosma
tags:
- Open Banking
- PSD2
- AIS
- PIS
- Account Information
- Payment Initiation
- KYC
- Identity Verification
- Categorization
- Insights
- Embedded Finance
- BNPL
- Lending
- Fintech
- Banking
kind: contract
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- url: https://www.klarna.com/kosma/
  type: Portal
- url: https://docs.openbanking.klarna.com/
  name: Klarna Open Banking Documentation
  type: Documentation
- url: https://docs.openbanking.klarna.com/index.html
  name: Klarna Open Banking Introduction
  type: GettingStarted
- url: https://docs.openbanking.klarna.com/xs2a/urls.html
  name: XS2A API URLs and Environments
  type: Documentation
- url: https://docs.openbanking.klarna.com/xs2a/authentication.html
  name: XS2A Authentication
  type: Authentication
- url: https://docs.openbanking.klarna.com/xs2a/test-bank-psd2.html
  name: PSD2 Test Bank
  type: Sandbox
- url: https://docs.openbanking.klarna.com/xs2a/test-banks.html
  name: Test Banks
  type: Sandbox
- url: https://docs.openbanking.klarna.com/xs2a/onboarding_aspsps.html
  name: ASPSP Onboarding
  type: Documentation
- url: https://docs.openbanking.klarna.com/xs2a/branded-go-live.html
  name: Go-Live Guide
  type: Documentation
- url: https://docs.openbanking.klarna.com/xs2a/components.html
  name: Components Overview
  type: Documentation
- url: https://docs.openbanking.klarna.com/xs2a/xs2a-app.html
  name: XS2A App
  type: Documentation
- url: https://docs.openbanking.klarna.com/xs2a/xs2a-form/examples.html
  name: Form Examples
  type: CodeExamples
- url: https://www.klarna.com/international/press/klarna-launches-klarna-kosma-sub-brand-and-business-unit-to-harness-rapid-growth-of-open-banking-platform/
  name: Klarna Kosma Launch Announcement (March 2022)
  type: PressRelease
- url: https://www.klarna.com/international/press/klarna-launches-open-banking-platform/
  name: Klarna Open Banking Platform Launch
  type: PressRelease
- url: https://www.klarna.com/international/press/
  name: Klarna Press
  type: PressRelease
- url: https://www.openbanking.org.uk/regulated-providers/klarna-kosma/
  name: Klarna AB Open Banking UK Listing
  type: Documentation
- url: https://www.linkedin.com/company/klarna-kosma/
  name: Klarna Kosma LinkedIn
  type: LinkedIn
- url: https://github.com/klarna
  name: Klarna GitHub Organization
  type: GitHubOrganization
- url: https://www.klarna.com/legal/
  type: TermsOfService
- url: https://www.klarna.com/international/privacy-notice/
  type: PrivacyPolicy
- url: https://www.klarna.com/kosma/
  name: Contact Kosma Sales
  type: Support
- type: Features
  data:
  - PSD2-licensed Account Information Service (AIS) across the EEA and UK
  - PSD2-licensed Payment Initiation Service (PIS) for account-to-account bank transfers
  - Single XS2A API aggregating 15,000+ banks across 27 countries with >95% per-market coverage
  - XS2A App — embeddable iframe/JavaScript widget for consumer bank selection and SCA
  - Auth API for client-session-scoped consumer interactions and form submission
  - Consent API for PSD2 consent lifecycle management (grant, refresh, revoke)
  - Kosma Insights — transaction categorisation across 200+ categories with income and affordability signals
  - Kosma KYC — account ownership and identity verification on top of AIS connectivity
  - Kosma Payments — white-labeled PSD2 PIS for merchant checkout and platform payouts
  - PSD2 test bank with embedded, decoupled, and redirect SCA methods
  - Sandbox (api.openbanking.playground.klarna.com) and production environments
  - Strong Customer Authentication (SCA) orchestration handled end-to-end by Kosma
  - Underpins Klarna BNPL underwriting and SOFORT bank-transfer rails internally
  - Pan-European regulatory coverage via Klarna Bank AB (publ) licensing
  - Spun out as Klarna Kosma sub-brand and dedicated business unit in March 2022
  sources:
  - https://www.klarna.com/kosma/
  - https://docs.openbanking.klarna.com/
  - https://www.klarna.com/international/press/klarna-launches-klarna-kosma-sub-brand-and-business-unit-to-harness-rapid-growth-of-open-banking-platform/
  - https://www.openbankingtracker.com/embedded-finance/klarna-kosma
  updated: '2026-05-25'
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: Klarna Kosma is the Open Banking platform spun out of Klarna in March 2022 as a dedicated
  sub-brand and business unit. Built on the connectivity infrastructure Klarna originally created for
  SOFORT, Kosma offers a single PSD2 XS2A API that aggregates more than 15,000 banks across 27 European
  and UK markets with >95% per-market coverage. The platform exposes Account Information Services (AIS)
  and Payment Initiation Services (PIS) plus higher-level products — Kosma Insights (categorised
  transaction, income, and affordability data across 200+ categories), Kosma KYC (account ownership and
  identity verification), and Kosma Payments (white-labeled account-to-account bank transfers). Kosma
  serves banks, lenders, fintechs, merchants, SMEs, and freelancers, and also powers Klarna's own BNPL
  underwriting and SOFORT bank-transfer rails. The XS2A API is paired with an embeddable XS2A App / JS
  widget that handles consumer bank selection and Strong Customer Authentication (SCA), and a Consent
  API that exposes the full PSD2 consent lifecycle.
maintainers:
- FN: Kin Lane
  email: [email protected]
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'