# Klarna Kosma Payments API

**Canonical:** https://apis.io/apis/klarna-kosma/klarna-kosma-payments-api/  
**Provider:** Klarna Kosma — https://apis.io/providers/klarna-kosma/  
**Base URL:** https://api.openbanking.klarna.com  
**Documentation:** https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html

Klarna Kosma Payments API is one of 6 APIs that [Klarna Kosma](https://apis.io/providers/klarna-kosma/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include Open Banking, PSD2, PIS, Payments, and Account-to-Account. The published artifact set on APIs.io includes API documentation.

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.

## Machine-readable artifacts (1)

- **Documentation** — https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html

## Other Klarna Kosma APIs (5)

- [Klarna Kosma XS2A API](https://apis.io/apis/klarna-kosma/klarna-kosma-xs2a-api/)
- [Klarna Kosma Auth API](https://apis.io/apis/klarna-kosma/klarna-kosma-auth-api/)
- [Klarna Kosma Consent API](https://apis.io/apis/klarna-kosma/klarna-kosma-consent-api/)
- [Klarna Kosma Insights API](https://apis.io/apis/klarna-kosma/klarna-kosma-insights-api/)
- [Klarna Kosma KYC API](https://apis.io/apis/klarna-kosma/klarna-kosma-kyc-api/)

## Tags

Open Banking, PSD2, PIS, Payments, Account-to-Account

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/klarna-kosma/klarna-kosma-payments-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/klarna-kosma/.