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1. 《EU Consumer Credit Directive (CCD2)》​

The revised EU Consumer Credit Directive (CCD2) will apply from 20 November 2026. Directive - EU - 2023/2225 - EN - CCD2 - EUR-Lex

The key change is that interest-free Buy Now, Pay Later (BNPL) products will be formally classified as consumer credit and subject to equivalent regulatory requirements to those already applicable to longer-term financing products. CCD2 also introduces clearer requirements for credit advertising and the presentation of consumer information.

  • BNPL can no longer be treated as an exemption from the regulatory requirements applicable to short-term, interest-free or low-value credit.
  • BNPL providers will be subject to more clearly defined consumer creditworthiness assessment obligations.
  • Consumers must be provided with standardised credit information disclosures.
  • Consumers will benefit from clearer withdrawal rights, early repayment rights and complaint-handling protections.
  • BNPL providers' business models, merchant agreements, payment flows and risk management frameworks may also need to be adjusted.

2. Merchant Requirements for Using Klarna​

  1. Merchants must review and ensure that all website content and marketing communications under their control comply with CCD2 requirements.

    • All pages and materials where merchants promote or display Klarna, including product detail pages (PDPs), checkout payment-method descriptions, FAQs, emails, marketing campaigns and website banners, must comply with Klarna's CCD2 requirements. CCD2 partner portal | Klarna
    • If merchants use static promotional copy on product detail pages or hard-coded promotional text at checkout, Klarna recommends using its On-Site Messaging (OSM) components.

  2. Klarna will ensure that the relevant promotional copy and disclosures are compliant with the requirements of each market and updated ahead of 20 November 2026.

  • OSM components: Klarna provides integrated and aggregated messaging components for use across the merchant's website.
  • Dynamic checkout messaging: Klarna will update the relevant messaging assets, so merchants do not need to modify their integration code.
  • If merchants choose to continue using static promotional copy or hard-coded checkout messaging, they should refer to the country-specific Klarna Marketing Guidelines and the recommended messaging for each applicable payment method. Partner marketing legal guidelines - Belgium - Klarna Docs