Top Payment Methods, Klarna

Metrics type: Supporting Metrics • Category: Payment Gateway

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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.

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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.

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Worked example

“Helle Mode” 30 days ending 02 May 26. What the merchant should notice:

1. Pay in 30 days is volume backbone in DE. German monthly-payday consumers prefer post-payment.
2. Slice it AOV at EUR 575 (4.5x other products) drives 17.6% volume on 4.6% count. Strategic value-density.
3. Fee weighted average 3.4%. Without Slice it the average drops to 3.0%; Slice it costs 2pp more but enables higher-value purchases.
4. Country split matters for multi-country merchants (DE vs UK vs US use different products by preference).

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Sibling cards merchants should reference together

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Reconciling against the vendor’s own dashboard

Where to look: portal.klarna.com → Reports → Sales by product. Why our number may differ:

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Known limitations / merchant FAQs

Pay in 4 vs Pay in 30, when does each apply? Pay in 4 is global (US-introduced, now everywhere). Pay in 30 is European-specific (DE/AT/NL/SE/NO original). Customers see what’s available in their country. Slice it eligibility? Available for orders typically EUR 100+ in EU markets, USD 50+ in US. Each region has different limits. Klarna runs a soft credit check. Can I disable Slice it but keep Pay in 4? Yes; merchant configures product mix in Klarna Merchant Portal. Does product mix affect my fee? Yes substantially. Slice it fee 4-7%, Pay in 4 fee 3-6%, Pay in 30 fee 2-4%. The blended depends on mix. Klarna Card payments, where do they show? Klarna’s physical card (issued in some markets) shows under direct card processing rails, not BNPL. Excluded from this card unless explicitly tagged.

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Tracked live in Vortex IQ Nerve Centre

Top Payment Methods 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.