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Card class: Non-HeroCategory: Payment Gateway

At a glance

Klarna captured-but-not-yet-paid-out balance. Customer paid Klarna; Klarna hasn’t disbursed merchant share yet.
What it countsSUM(captured.amount - merchant_fee - refunds) for unsettled captures.
Time windowSnapshot.
Rolesowner, 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” weekly payout schedule. End-of-week pending balance roughly EUR 240,000 (one week of Klarna captures less merchant fee less refunds).

Sibling cards merchants should reference together

CardWhy pair it
kla_avg_settlement_daysAverage settlement lag.
kla_payout_age_daysOldest pending.

Reconciling against the vendor’s own dashboard

Where to look: portal.klarna.comSettlements.

Known limitations / merchant FAQs

Pending growing while volume stable, why? Payout schedule slowed (Klarna shifted you to longer interval) or reserve hold increased. Reserve held, separate? Yes; some Portal views split reserve from pending. Working capital plan? Plan for ~7 days of revenue in flight if on weekly schedule.

Tracked live in Vortex IQ Nerve Centre

Pending Payouts 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.