{"id":59048,"date":"2026-01-08T11:08:53","date_gmt":"2026-01-08T10:08:53","guid":{"rendered":"https:\/\/www.centralpay.com\/?p=59048"},"modified":"2026-02-23T15:46:13","modified_gmt":"2026-02-23T14:46:13","slug":"the-new-bnpl-rules-for-2026","status":"publish","type":"post","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/blog\/the-new-bnpl-rules-for-2026\/","title":{"rendered":"The new BNPL rules for 2026"},"content":{"rendered":"\n

What is BNPL ?<\/strong><\/h2>\n\n\n\n

BNPL (Buy Now Pay Later) is a payment facility that allows you to pay for a purchase by spreading the payment over several installments.<\/p>\n\n\n\n

Highly appreciated by consumers, this type of installment payment<\/a> is very popular for its ease of access and its ability to facilitate online purchasing.<\/p>\n\n\n\n

Currently, only installment payments of less than 90 days are considered BNPL. From November 20, 2026, any payment in installments, regardless of duration or amount, will be considered consumer credit. <\/p>\n\n\n\n

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What is consumer credit ?<\/strong><\/h2>\n\n\n\n

Consumer credit is regulated by the Consumer Code. It is granted by a financial institution, directly or through a merchant, to an individual for non-professional needs. <\/p>\n\n\n\n

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Article L312-1: <\/a>The provisions of this chapter apply to any credit operation mentioned in point 6\u00b0 of Article L. 311-1, whether it is concluded for consideration or free of charge and, where applicable, to its guarantee, provided that the total amount of the credit is equal to or greater than 200 euros and less than or equal to 75,000 euros.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Repayment is made in monthly installments comprising the principal borrowed and interest. The interest represents the total cost of the loan to the borrower and may include additional fees such as application fees, insurance, or guarantees. <\/p>\n\n\n\n

The applied rate, called the APR<\/a> (Annual Percentage Rate), varies depending on the lending institution but cannot exceed the legal maximum interest rate. The total cost of the loan depends on both the interest rate granted and the chosen repayment period. <\/p>\n\n\n\n

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New BNPL rules with DCC2<\/strong><\/h2>\n\n\n\n

As of November 20, 2026, the transposition of European Directive (EU) 2023\/2225 (DCC2) broadens the scope of consumer credit. From this date, any payment made in installments, including interest-free installment payments with a term of less than 3 months, will be considered consumer credit and subject to the associated legal obligations. <\/p>\n\n\n\n

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Expanded scope<\/h3>\n\n\n\n

The following will be considered consumer credit :<\/p>\n\n\n\n