The Klarna Open Banking Auth API allows the merchant to retrieve various forms and submit the responses. It provides a way to handle the consumer's state and input, with the associated XS2A Form retrieved when the consumers input is needed and the response to the form sent to the API. When using a white label integration, the Auth API is called from the merchant, but in most cases this API is accessed by the Klarna Open Banking XS2A Application. Requests are supported for GET/POST and returns JSON formatted data. Klarna is a global tech bank that provides services for payments and shopping.