Kröfur in Iceland: how to send online bank claims without a bank agreement

What an online bank claim is

An online bank claim (krafa, plural kröfur) is a bill that appears in the customer's online bank in Iceland. They pay it like any other bill, without a card. Claims suit invoices between companies, memberships, course fees and customers who prefer to pay through their bank. They are in Icelandic krónur only.

The usual way: a bank agreement and IOBWS

Businesses that send claims themselves sign a collection agreement with their bank, for example Arion banki or Íslandsbanki. Then they create the claims in the company's online bank, or connect their own system to the banks' web service, IOBWS. That suits companies with their own accounting system and developers to look after the integration. For a smaller business that means an agreement and setup at the bank, plus programming if the claims should go out automatically from its own system.

With Kling: no bank agreement

Kling sends the claims through its own bank connection. So you sign no collection agreement with your bank and connect nothing to IOBWS. This is how you start:

1. Sign up. Claims work in the test environment straight away, with no verification.
2. Apply to go live in the dashboard. In the application, someone Skatturinn lists as able to sign for the company signs Kling's claims agreement with electronic ID. An individual in business signs for themselves.
3. Once the application is approved, the dashboard shows how your claims will look and asks how you want to pay Kling's service fee, by claim or by card. Then you choose Activate claims.

Claims don't go through a card acquirer, so they can be switched on before card payments. What your customers pay goes to your bank account. See test mode to going live.

Three ways to send claims

From the dashboard, with no code

Open Rukkun í heimabanka, enter the payer's kennitala, the amount and the due date, and send. The claim appears in the customer's online bank, and Claims shows when it has been paid.

At checkout

In Kling's checkout the customer can choose to pay by claim instead of card, and enters their kennitala. You decide whether the claim must be paid right away, like a card, or within a set time. Subscriptions can also be collected by claim each period instead of by card. See subscriptions.

Through the API

Yes, Kling has an API for claims. Your system sends a claim with one call, POST /v1/claims, with the payer's kennitala, the amount in whole krónur, the due date and the final due date. Webhooks tell your system when the claim has been created and when it has been paid. The same key and the same API handle card payments, payment links and subscriptions. See online bank claims in the docs.

If you build with an AI tool such as Lovable, Bolt, Replit, v0, Cursor or Claude Code, copy the prompt at the top of the docs into it, and it uses Kling's instructions to set up the claims.

Pricing

Kling's service fee is 0,8% per paid claim, at least 25 kr. and at most 250 kr., plus the bank's own cost according to its price list. No setup fee and no monthly fee. Kling adds up its service fee on a monthly invoice, which you pay by claim or by card, whichever you choose. See pricing.

Questions? Write to hallo@kling.is.