KalplexResources
Practical, sourced guides for the changes coming on 20 November 2026 and the payments behind them.
Guides
Kauf auf Rechnung after CCD2
What German online shops should do about invoice payment before 20 November 2026.
Learn moreSEPA return codes
The SEPA Direct Debit return reason codes merchants see most, and what to do about each.
Learn morePre-notification explained
What SEPA pre-notification is, when to send it and what it must say.
Learn moreA dunning playbook
A practical, fair dunning sequence for returned pay-later debits.
Learn moreInvoice vs Direct Debit
How a plain invoice and a SEPA Direct Debit compare for pay-later orders.
Learn moreMore
Getting a creditor identifier
How to get a SEPA creditor identifier in Germany, Austria, the Netherlands and Finland.
Learn moreReducing returns
Practical ways to reduce failed and refunded SEPA debits on pay-later orders.
Learn moreQuestions for your BNPL provider
What to ask your BNPL or invoice provider before 20 November 2026.
Learn moreGlossary
Pay later, SEPA and CCD2 terms explained.
Learn moreAccount