> ## 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.

# Avg Settlement Time (days), Klarna

> Avg Settlement Time (days) for Klarna stores. Tracked live in Vortex IQ Nerve Centre. How to read it, why it matters, and how to act on it.

**Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained)  •  **Category:** [Payment Gateway](/nerve-centre/connectors#connectors-by-type)

## At a glance

> Average days from Klarna order capture to merchant payout. Klarna pays merchants on configured schedule (typically daily, weekly, or biweekly).

|                       |                                                                |
| --------------------- | -------------------------------------------------------------- |
| **What it counts**    | `AVG(payout_date - capture_date)`.                             |
| **Standard schedule** | Daily payout: 1-2 days. Weekly: 3-7 days. Biweekly: 7-14 days. |
| **Time window**       | `30D`.                                                         |
| **Roles**             | owner, finance                                                 |

## 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" on Klarna weekly payout. 7-day average settlement to bank deposit. Captures from Mon-Sun aggregate; payout disbursed following Wednesday.

## Sibling cards merchants should reference together

| Card                                                                              | Why pair it                    |
| --------------------------------------------------------------------------------- | ------------------------------ |
| [`kla_payouts_pending`](/nerve-centre/kpi-cards/klarna-api/pending-payouts)       | Captured but not yet paid out. |
| [`kla_payout_age_days`](/nerve-centre/kpi-cards/klarna-api/oldest-pending-payout) | Oldest pending.                |

## Reconciling against the vendor's own dashboard

**Where to look:**

[portal.klarna.com](https://portal.klarna.com) → **Settlements**.

## Known limitations / merchant FAQs

**Can I switch to daily payout?**
Yes; merchants can request schedule change in Klarna Merchant Portal. Daily payouts may have a small fee.

**Why slower than card processing?**
Klarna pays from its own balance after captures aggregate; the schedule is Klarna-controlled, not acquirer-controlled.

**Hold on payouts?**
Klarna may hold a reserve for new merchants or high-risk verticals; visible in Settlements view.

***

### Tracked live in Vortex IQ Nerve Centre

*Avg Settlement Time (days)* 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](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.