> ## 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.

# Pending Payouts, Klarna

> Pending Payouts 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

> Klarna captured-but-not-yet-paid-out balance. Customer paid Klarna; Klarna hasn't disbursed merchant share yet.

|                    |                                                                         |
| ------------------ | ----------------------------------------------------------------------- |
| **What it counts** | `SUM(captured.amount - merchant_fee - refunds)` for unsettled captures. |
| **Time window**    | Snapshot.                                                               |
| **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" 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

| Card                                                                                | Why pair it             |
| ----------------------------------------------------------------------------------- | ----------------------- |
| [`kla_avg_settlement_days`](/nerve-centre/kpi-cards/klarna-api/avg-settlement-time) | Average settlement lag. |
| [`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

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