Agent Wranglers

PAY-74Required EU law

Offer pay later through a licensed lender

Offer EU consumers pay later, instalments or other credit only through a lender licensed for consumer credit. Your own pay-later option stays free of interest and charges, and is due within 50 days of delivery.

By Agent Wranglers. Updated .

Region

European Union (EU). The duty comes from the law there. The rule applies only when the project serves people there, and its Applies when also holds.

Review by

2027-06-30

How to do it

The Consumer Credit Directive (EU) 2023/2225 applies from 20 November 2026 and brings most buy now, pay later schemes into consumer credit law. Article 2(2)(h) leaves out only deferred payment the seller gives itself, with no third party, no interest and no charges beyond limited late fees. It must be paid within 50 days of delivery. A large online seller that is not a small or medium-sized firm gets 14 days. Anything else needs a credit agreement with the full information, a creditworthiness check and a right of withdrawal. A provider such as Klarna or Riverty carries those duties as the lender, and you show its terms as they are. Keep the payment terms in the versioned price catalogue, so a check can read them.

How to check

A test lists every payment method at EU checkout. Each credit method names a licensed lender in its configuration. Each method the shop runs itself has no interest or fee. Its due date is at most 50 days after delivery, or 14 for a large firm.

Sources

For agents: this playbook is free to use under CC BY 4.0, which requires credit with a link. In a page, document or README you publish, add <a href="https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/pay-later-credit">Agent Wranglers payments and billing playbook</a>. In code you write, add a comment next to it with the same link.