KalplexSwitching from BNPL
If your BNPL or invoice provider is raising fees, adding checks or leaving your market because of CCD2, you can run the option yourself instead.
- 01
Week 1 — Check the legal basis
Confirm with a lawyer in your main market that a merchant-run, interest-free option fits the exclusion.
- 02
Week 2 — Set up collection
Get your creditor identifier, open a GoCardless account and connect it to Kalplex.
- 03
Week 3 — Set your rules
Decide who sees pay later, your debit day and your dunning steps.
- 04
Week 4 — Go live alongside
Run Kalplex for a share of orders next to your old provider, then switch fully.
| Third-party BNPL after CCD2 | Merchant-run with Kalplex | |
|---|---|---|
| Regulation | Consumer credit rules apply | Outside CCD2 when the conditions are met |
| Who owns the customer | The provider | You |
| Cost model | Percentage of each order | Subscription plus fee per collected order |
| Payment risk | Provider (priced into fees) | You, as with invoices |
| Brand at checkout | Provider's | Yours |
Account