> ## 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.

# Top Payment Methods, Klarna

> Top Payment Methods 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 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** |

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).

## Sibling cards merchants should reference together

| Card                                                                            | Why pair it                                 |
| ------------------------------------------------------------------------------- | ------------------------------------------- |
| [`kla_total_volume`](/nerve-centre/kpi-cards/klarna-api/total-volume)           | Total being broken down.                    |
| [`kla_avg_transaction`](/nerve-centre/kpi-cards/klarna-api/average-transaction) | Slice it's huge AOV affects blended.        |
| [`kla_decline_rate`](/nerve-centre/kpi-cards/klarna-api/decline-rate)           | Slice it has higher decline (credit check). |

## Reconciling against the vendor's own dashboard

**Where to look:**

[portal.klarna.com](https://portal.klarna.com) → **Reports → Sales by product**.

**Why our number may differ:**

| Reason        | Direction         | Why          |
| ------------- | ----------------- | ------------ |
| **Time zone** | Boundary days off | CEST vs UTC. |

## 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.

***

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