---
title: "Offer pay later through a licensed lender · Agent Wranglers"
url: https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/pay-later-credit
id: PAY-74
level: Required
applies: eu-users
region: EU
risk: law
updated: 2026-10-27
build: a2a6bdfed830
tokens: 806
licence: "CC BY 4.0"
licence_url: https://creativecommons.org/licenses/by/4.0/
---

# Offer pay later through a licensed lender

For AI agents: the [site map](https://agentwranglers.se/llms.txt) lists everything here, and this page sits under [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md).

By [Agent Wranglers](https://agentwranglers.se/authors/agent-wranglers.md). Updated 2026-10-27.

- ID: PAY-74
- Level: Required
- Chapter: [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md)
- Rule: 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.
- 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.
- Risk: A law broken
- Applies when: The project has users in the EU.
- 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: 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](https://agentwranglers.se/playbook/pricing/plans-and-prices/price-catalogue.md), so a check can read them.

## Sources

- [Consumer Credit Directive (EU) 2023/2225, Articles 2 and 48](https://eur-lex.europa.eu/eli/dir/2023/2225/oj)

## Related rules

- PRC-1 [Keep prices in a versioned catalogue](https://agentwranglers.se/playbook/pricing/plans-and-prices/price-catalogue.md) in Pricing, plans and entitlements

**For agents:** this playbook is free to use under [CC BY 4.0](https://creativecommons.org/licenses/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.

- Previous: [Never add a fee for paying by EU consumer card](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/no-card-surcharge.md)
- Next: [Get consent before digital content or a service starts early](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/early-start-consent.md)
- [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md)