Klarna Publishes XS2A v2 Access Interface Specs
Klarna Bank AB has released technical documentation for a new access-to-account interface that will replace its legacy API.
Updated on Nov. 10, 2026 in Financial Services
Klarna Bank AB published technical documentation for XS2A v2, a new access-to-account interface built on the Berlin Group openFinance (NextGenPSD2) Framework v2.x. The legacy XS2A API and v2 will run in parallel during the transition.
Why it matters
The interface replaces Klarna's legacy XS2A API under the EU's revised Payment Services Directive (PSD2), which governs how licensed third-party providers access bank accounts. The framework is used by many European banks for their PSD2 interfaces.
Klarna will publish the specification and open testing at least six months before the production launch, and will notify third-party providers at least three months before switching off the legacy API, except in emergencies. Klarna has not yet set a firm decommissioning date for the legacy interface.
The players
Klarna Bank AB
Klarna Bank AB is the banking subsidiary of the Swedish fintech company Klarna, which offers buy-now-pay-later and payment services across Europe.
The details
XS2A v2 gives licensed third-party providers a standardised, dedicated interface for account information and payment initiation services, governed by Commission Delegated Regulation (EU) 2018/389. Klarna has asked providers building new integrations to target v2 directly once it is released in production.
Timeline
October 2026: Targeted sandbox release of XS2A v2.
November 2026: Scheduled production release of XS2A v2.
Market Landscape
Klarna's move reflects the PSD2 regime under Commission Delegated Regulation (EU) 2018/389, which requires banks to maintain dedicated access interfaces for licensed third-party providers. The Berlin Group openFinance framework is used by many European banks, so the transition aligns Klarna with a common standard across the region.
Third-party providers building account-access services for Klarna customers will need to target the new v2 interface once it is in production. Providers still using the legacy API should plan for migration before Klarna switches it off.
The takeaway
Providers and developers working with Klarna's account-access interfaces should begin planning their migration to XS2A v2 now, since the legacy API will be retired on a notice period rather than a fixed date. Watching for Klarna's decommissioning announcement will be the key signal for timing that move.
What happens next
A sandbox release of XS2A v2 is targeted for October 2026, followed by a scheduled production release in November 2026. Klarna has said it will announce a firm decommissioning date for the legacy interface with at least three months' notice once the transition is under way.
Further reading
For more on the rules governing these interfaces, see Financial Services coverage.
Source note: This article includes information reported by Thepaypers.
