# Klarna Kosma XS2A API

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

Klarna Kosma XS2A 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, XS2A, AIS, and PIS. The published artifact set on APIs.io includes API documentation and a getting-started guide.

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.

## Machine-readable artifacts (8)

- **Documentation** — https://docs.openbanking.klarna.com/index.html
- **Documentation** — https://docs.openbanking.klarna.com/xs2a/urls.html
- **Documentation** — https://docs.openbanking.klarna.com/xs2a/session.html
- **Documentation** — https://docs.openbanking.klarna.com/xs2a/consents.html
- **Documentation** — https://docs.openbanking.klarna.com/xs2a/transactions.html
- **GettingStarted** — https://docs.openbanking.klarna.com/xs2a/quick-start-ais-accounts.html
- **GettingStarted** — https://docs.openbanking.klarna.com/xs2a/quick-start-pis.html
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/klarna-kosma/refs/heads/main/apis.yml

## Other Klarna Kosma APIs (5)

- [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/)
- [Klarna Kosma Payments API](https://apis.io/apis/klarna-kosma/klarna-kosma-payments-api/)

## Tags

Open Banking, PSD2, XS2A, AIS, PIS, Account Information, Payment Initiation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/klarna-kosma/klarna-kosma-xs2a-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/klarna-kosma/.