At a glance
Klarna product mix: Pay in 4, Pay in 30 days, Slice it (long instalments). Reveals which Klarna BNPL product drives merchant volume; product mix has dramatic impact on AOV and merchant fee.
| What it counts | GROUP BY purchase_country + payment_method_type (PAY_IN_4 / PAY_LATER / FINANCING / DIRECT_BANK_TRANSFER) for status = CAPTURED. |
| 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” 30 days ending 02 May 26.| Klarna product | Count | Volume EUR | AOV | Volume share | Fee % | Fee paid |
|---|---|---|---|---|---|---|
| Pay in 30 days (DE) | 4,820 | 612,400 | 127 | 58.6% | 2.8% | EUR 17,150 |
| Pay in 4 (DE) | 1,840 | 248,300 | 135 | 23.7% | 3.5% | EUR 8,690 |
| Slice it 6-24mo | 320 | 184,200 | 575 | 17.6% | 5.5% | EUR 10,130 |
| Total EUR | 6,980 | 1,044,900 | 150 | 100% | avg 3.4% | EUR 35,970 |
- Pay in 30 days is volume backbone in DE. German monthly-payday consumers prefer post-payment.
- Slice it AOV at EUR 575 (4.5x other products) drives 17.6% volume on 4.6% count. Strategic value-density.
- Fee weighted average 3.4%. Without Slice it the average drops to 3.0%; Slice it costs 2pp more but enables higher-value purchases.
- Country split matters for multi-country merchants (DE vs UK vs US use different products by preference).
Sibling cards merchants should reference together
| Card | Why pair it |
|---|---|
kla_total_volume | Total being broken down. |
kla_avg_transaction | Slice it’s huge AOV affects blended. |
kla_decline_rate | Slice it has higher decline (credit check). |
Reconciling against the vendor’s own dashboard
Where to look: portal.klarna.com → Reports → Sales by product. Why our number may differ:| Reason | Direction | Why |
|---|---|---|
| Time zone | Boundary days off | CEST vs UTC. |