Kalplex
From 20 November 2026, “buy now, pay later” and “pay by invoice later” run by a third party become regulated consumer credit. Shops that want to keep offering pay later can run it themselves — with Kalplex.
Mandate at checkout, automatic collection on day 30, risk controls and dunning — under your own SEPA creditor ID.
A “Pay Within 30 Days” Option in Your Own Checkout
Shoppers sign a SEPA Core e-mandate at checkout, with the evidence kept under your creditor ID. No third party offers or buys the credit.
Risk Controls That Decide Who Sees Pay Later
Scoring is fraud and risk control, not a credit decision — so you show the option only where it is safe to.
Automatic Collection and Dunning, Without Manual Chasing
Kalplex pre-notifies the shopper and debits on day 30. Returns such as MD06 refunds or blocked accounts start dunning with a pay-by-link fallback.
Compliance Guardrails That Keep You Outside CCD2
Kalplex refuses settings that would turn your option into regulated credit: no interest, no fees, and a debit within 50 days — or 14 for large online merchants.
Kalplex replaces manual invoice chasing with mandates you collect automatically. The money flows through your own collection account — never ours.
Collected Under Your Creditor ID
Debits run through GoCardless under your SEPA creditor identifier, so funds go straight to you.
- One dashboard for mandates, debits and returns
- Payouts straight to your bank account
- Every debit matched to its order reference
Built to Stay Outside CCD2
We never pre-fund you, buy your receivables or hold your money — the line that keeps pay later merchant-run.
- No interest and no fees, enforced in software
- A data processing agreement with every merchant
- Encrypted in transit, credentials kept server-side
A Clear View of What's Due
See upcoming debits, returns and recovered payments in one place.
- Upcoming debits by date
- Returns by reason code
- Recovered and outstanding amounts
Three legal conditions and one payment rail decide whether your pay-later option stays outside CCD2. Kalplex is built around all four.
You give the customer time to pay. Kalplex is software: it never purchases receivables or pre-funds you.
Kalplex blocks interest and fees on the pay-later option. Only limited late-payment charges allowed by national law may apply.
Debits are scheduled well inside the limit — day 30 by default. Large online merchants are held to 14 days.
Consumers can only pay by Core. The 8-week refund right sits with you, as it already does with invoices.
A monthly subscription plus a small fee per collected order. GoCardless transaction fees are billed separately by GoCardless.
Starter
For shops adding pay later for the first time. Plus 0.9% per collected order.
Growth
For growing shops with steady order volume. Plus 0.7% per collected order.
Scale
For multi-shop merchants and several markets. Plus 0.5% per collected order.
The rules behind merchant-run pay later, in plain terms. Read the full explainer in our compliance centre.
Third-party “buy now, pay later” and “pay by invoice later” fall under consumer credit rules from 20 November 2026.
Payers can ask their bank to refund any authorised Core debit within 8 weeks — a risk merchants already carry with invoices.
Interest-free, fee-free and paid within 50 days of delivery, with no third party offering or buying credit: outside the directive.
Third-party “buy now, pay later” and “pay by invoice later” fall under consumer credit rules from 20 November 2026.
Payers can ask their bank to refund any authorised Core debit within 8 weeks — a risk merchants already carry with invoices.
Interest-free, fee-free and paid within 50 days of delivery, with no third party offering or buying credit: outside the directive.
Create your account, connect GoCardless and switch on pay later in your own checkout.
Clear answers about running pay later yourself after CCD2.