> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Klarna (API) audit profile, Vortex IQ

> What the Vortex IQ Klarna (API) health audit checks: Klarna (API): Approval, Settlement, Disputes & BNPL-to-Revenue

**[Nerve Centre KPIs](/nerve-centre/kpi-cards/klarna-api) · [Audit Profile](/nerve-centre/kpi-cards/klarna-api/audit) · [Sentiment Settings](/nerve-centre/kpi-cards/klarna-api/sentiment)**

Klarna BNPL state matters when it's tied to captured revenue and checkout friction. This audit answers: (1) is the API username/password pair valid and the region + environment (playground/production) correct, (2) is the approval (success) rate holding and what's driving Klarna's underwriting declines, (3) are refunds, buyer-protection disputes and settlement timing under control, and (4) does BNPL friction map to lost revenue and the Klarna share of commerce revenue via the ecommerce siblings.

## What this audit checks

### Authentication & access

* API username/password pair valid (Basic-auth probe on /ordermanagement/v1/orders?count=1)
* Region + environment match intent (api.klarna.com production vs api.playground.klarna.com)
* Credential has read scope for orders, settlements and disputes

### Transaction health

* Success (approval) rate below 90% or a -3pp drop vs prior period
* Decline rate above 15% blended (and which Klarna decline reasons dominate)
* Address-verification declines elevated (the only merchant-actionable reason - improve checkout address validation)
* Klarna-app / email-OTP authentication abandonment above 30% (desktop email-OTP friction)

### Refunds & disputes

* Refund rate above 10% of volume (BNPL try-and-return drift)
* Buyer-protection (chargeback) rate above 0.9%
* Dispute rate above 1%
* Disputes approaching respond\_by deadline with no evidence submitted

### Settlement timing

* Average settlement time above the configured-schedule norm (>3 days daily / >8 days weekly)
* Oldest pending payout above 5 days
* Pending payout balance growing while volume is flat (schedule slowed or reserve hold increased)

### Cross-channel: BNPL-to-revenue (the killer area)

* Klarna captured volume reconciled as a share of commerce-sibling order revenue; mismatch > 2% (reconciliation gap)
* Klarna decline/abandon spike during a checkout change or campaign push (paying for traffic that can't pay via BNPL)
* Klarna refund spike correlated with a commerce returns spike in the same window
* Klarna AOV lift vs card-sibling AOV collapsing (Slice it adoption dropped - checkout UX regression)

## Data sources

* `GET https://{api_host}/ordermanagement/v1/orders` - Volume / count / AOV / success / decline / method mix / decline reasons
* `GET https://{api_host}/settlements/v1/payouts` - Settlement timing / pending payout age / pending balance
* `GET https://{api_host}/disputes/v2/disputes` - Dispute rate / buyer-protection (chargeback) rate / reason mix / respond-by