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Card class: Non-HeroCategory: Payment Gateway

At a glance

Klarna does not use 3DS card-style authentication. Klarna’s own consumer-authentication flow (one-tap Klarna app login or email-OTP) replaces it. This card tracks Klarna-app-authentication abandonment: customers who started the Klarna login flow but didn’t complete.
What it countsCOUNT(initiated Klarna auth) - COUNT(completed) divided by COUNT(initiated). Klarna-app-flow specific.
Healthy baseline8-15% abandonment is normal.
Mobile vs desktopMobile abandons less (Klarna app installed); desktop higher (email-OTP friction).
Time window7D vsP.
Alert trigger>30%.
Sentiment keygauge_inverse: good<=15, warn>30
Rolesowner, operations

Calculation

Calculated automatically from your Klarna data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

Worked example

“Helle Mode” 7-day window.
ChannelAuth-initiatedAuth-completedAbandon rate
Mobile (Klarna app one-tap)1,4201,3226.9%
Desktop (email OTP)48938720.9%
Blended1,9091,70910.5%
What the merchant should notice: mobile abandonment is excellent (6.9%) thanks to one-tap Klarna app sign-in. Desktop friction is higher; if email-OTP delivery slows, abandon rises.

Sibling cards merchants should reference together

CardWhy pair it
kla_decline_rateDecline (Klarna rejected) vs abandon (customer didn’t complete).
kla_success_rateCompound view.

Reconciling against the vendor’s own dashboard

Where to look: Klarna Merchant Portal → Conversion view; abandon rate sits between session-initiation and order-completion. Why our number may differ:
ReasonDirectionWhy
Time zoneBoundary days offCEST vs UTC.
Session timeoutEitherKlarna sessions time out at 30 minutes; long-paused sessions count as abandons.

Known limitations / merchant FAQs

Klarna doesn’t use 3DS, why this card? The card is named for the archetype (3DS-style authentication abandonment); for Klarna it tracks Klarna-app or email-OTP authentication abandons. Same shape, different mechanism. Why is mobile so much better than desktop? Klarna app one-tap login on mobile; desktop requires email OTP which has 30-90 second delivery delay and inbox-finding friction. Email-OTP delivery problems, can I fix? Klarna delivers OTPs from a Klarna-controlled domain. Merchants cannot influence delivery; ask Klarna support if delivery rates are anomalous. Cart-recovery for Klarna abandoners? Yes; cart-recovery email after 1 hour recovers 10-18%.

Tracked live in Vortex IQ Nerve Centre

3DS Abandonment Rate is one of hundreds of KPI pulses Vortex IQ tracks across Klarna and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English. Start for free or book a demo to see this metric running on your own data.