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: info@apievangelist.com X: apievangelist url: https://apievangelist.com specificationVersion: '0.16'