KalplexSet up in an afternoon
Connect GoCardless, set your rules and send your first mandate the same day.
SME online shops
If you sell online and turn over between €1M and €20M, you're the shop CCD2 hits hardest: big enough to need pay later, too small to want a credit licence.
50
Day limit for SMEs
As a micro, small or medium-sized enterprise you can defer payment for up to 50 days after delivery.
CCD2 Art. 2(2)(h)
0
Interest or fees
Deferred payment stays outside CCD2 only if the shopper pays nothing extra.
1
Contract with GoCardless
Money moves through your own GoCardless account, never through Kalplex.
No finance team needed
Debits, reminders and returns run themselves; you step in only when needed.
Predictable costs
A subscription and a small fee per collected order — no percentage of every basket.
Are you an SME?
CCD2 uses the EU definition from Recommendation 2003/361/EC: broadly, fewer than 250 staff and either turnover up to €50M or a balance sheet up to €43M. If you're larger, the 14-day limit applies — check with your accountant.
Account