> ## 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. # Success Rate, Klarna > Success Rate 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 > Percentage of Klarna BNPL attempts that **Klarna approved and the merchant captured**. Klarna underwrites consumer credit risk; this rate primarily reflects Klarna's risk-model decisions, not card-network availability. | | | | ------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **What it counts** | `COUNT(orders captured) / COUNT(orders attempted)` over the period. Numerator: `status = CAPTURED`. Denominator: all session-initiations including `REJECTED` (Klarna underwriting decline) and `ABANDONED`. | | **Healthy baseline** | DE/SE/NL Pay in 30: 88-94%. US Pay in 4: 80-90%. Slice it: 65-80% (consumer-credit-check friction). | | **Underwriting-decline driver** | Klarna's risk model (proprietary) decides per attempt; thin-file consumers, recent fraud-flags, or high-risk addresses drive decline. | | **Time window** | `7D vsP`. | | **Alert trigger** | `<90%` absolute, `-3pp drop vsP`. | | **Sentiment key** | `gauge: good>=95, warn<90` | | **Roles** | owner, 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 ending 02 May 26. | Klarna product | Captured | Attempted (incl declined + abandoned) | Success rate | | ------------------- | --------- | ------------------------------------- | ------------ | | Pay in 30 days (DE) | 1,103 | 1,205 | 91.5% | | Pay in 4 (DE) | 421 | 478 | 88.1% | | Slice it (DE) | 73 | 102 | 71.6% | | Pay in 30 days (UK) | 110 | 124 | 88.7% | | **Blended** | **1,707** | **1,909** | **89.4%** | What the merchant should notice: 1. **89.4% blended is just below the healthy 90% line.** Slice it drags the blended; without Slice it the rate would be 91.5%. 2. **Slice it at 71.6% is normal.** The consumer-credit-check requirement creates 25-30% friction; customers abandon when they see "we'll check your credit". 3. **A drop in Pay in 30 success rate from 91% to 87% would alert.** Common cause: Klarna's risk model tightened (post-credit-event response), or merchant attracted higher-risk customers (e.g. influencer pushing to younger demographic). ## Sibling cards merchants should reference together | Card | Why pair it | | ----------------------------------------------------------------------------------- | --------------------------------------------------------------------- | | [`kla_decline_rate`](/nerve-centre/kpi-cards/klarna-api/decline-rate) | Klarna's underwriting-rejection rate. | | [`kla_top_decline_reasons`](/nerve-centre/kpi-cards/klarna-api/top-decline-reasons) | Why Klarna declined (consumer credit signal, address mismatch, etc.). | | [`kla_top_payment_methods`](/nerve-centre/kpi-cards/klarna-api/top-payment-methods) | Slice it drags blended; product mix matters. | | Stripe [`stripe_success_rate`](/nerve-centre/stripe/stripe_success_rate) | Card success on the same store; cross-rail comparison. | ## Reconciling against the vendor's own dashboard **Where to look:** [portal.klarna.com](https://portal.klarna.com) → **Reports → Conversion** for approval rate by product. **Why our number may differ:** | Reason | Direction | Why | | ----------------------------------- | ----------------- | ----------------------------------------------------------- | | **Abandoned-vs-declined treatment** | Either | Some Portal views split; we combine both as "not captured". | | **Time zone** | Boundary days off | CEST vs UTC. | **Cross-connector reconciliation:** | Comparison | Expected | Why | | --------------------------------------------------------------------------------------------- | ------------------------------- | ------------------------------------ | | `kla_success_rate` ↔ [`stripe.stripe_success_rate`](/nerve-centre/stripe/stripe_success_rate) | Cards typically higher (95-97%) | Klarna's underwriting adds friction. | ## Known limitations / merchant FAQs **Why is Klarna success rate lower than card?** Klarna underwrites consumer credit; some customers don't qualify. Cards have universal availability (anyone with a card and funds). The 5-10pp gap is structural. **Slice it at 70% is normal?** Yes. The credit-check friction is intentional; Klarna avoids over-extending credit to thin-file consumers. The trade-off: lower conversion but lower default rate, which keeps Klarna's loss ratio healthy. **Klarna can a customer be approved for Pay in 30 but rejected for Slice it?** Yes routinely. Pay in 30 is short-duration credit (lower risk); Slice it commits the customer for 6-24 months, requiring tighter underwriting. **Approval rate dropped 5pp overnight, what changed?** Likely Klarna risk-model update. Klarna periodically tightens or loosens; sudden swings affect all merchants. Check Klarna merchant communications. **Can I appeal a Klarna decline?** The customer can appeal directly with Klarna. Merchants cannot override; this is consumer-credit regulation. **Customer denied by Klarna falls back to card, do I lose them?** Klarna integrations typically present a "try a different payment method" fallback; conversion of fallback is moderate (40-60%). Helle Mode's fallback to Stripe captures roughly half of Klarna-declined customers. *** ### Tracked live in Vortex IQ Nerve Centre *Success 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](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.