{"id":3048,"date":"2025-10-14T15:23:22","date_gmt":"2025-10-14T13:23:22","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3048"},"modified":"2026-02-26T12:23:53","modified_gmt":"2026-02-26T11:23:53","slug":"buy-now-pay-later","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/buy-now-pay-later\/","title":{"rendered":"Buy Now, Pay Later (BNPL)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-advantages-for-consumers\">Advantages for consumers<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexibility:<\/strong> Deferred payment in installments can provide financial breathing space.<\/li>\n\n\n\n<li><strong>Security:<\/strong> Pay after you have received the purchase.<\/li>\n\n\n\n<li><strong>Accessibility:<\/strong> Fewer creditworthiness requirements than for regular loans, allowing more people to use it.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risks-for-consumers\">Risks for consumers<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accumulating debt:<\/strong> Deferred payments can accumulate into excessive and unmanageable debt that consumers are then unable to repay on time.<\/li>\n\n\n\n<li><strong>Confusing:<\/strong> Deferred payments with multiple different providers can become confusing for consumers.<\/li>\n\n\n\n<li><strong>High costs in case of default:<\/strong> If you do not pay your deferred payments on time, you will have to pay high additional costs, such as fines, collection costs, and interest.<\/li>\n<\/ul>\n\n\n\n<p>The <strong>Financial Markets Authority (AFM)<\/strong> emphasizes that paying in arrears is a form of borrowing. Consumers should be aware of this and carefully assess their financial situation before using this payment method.<\/p>\n\n\n\n<p>More information: <a href=\"https:\/\/www.afm.nl\/nl-nl\/consumenten\/themas\/lenen\/achteraf-betalen\"><strong><u>Buy Now, Pay Later \u2013 AFM.nl<\/u><\/strong> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-for-merchants\">For merchants<\/h2>\n\n\n\n<p>BNPL can offer advantages for online stores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>More freedom of choice and customer confidence;<\/li>\n\n\n\n<li>Higher conversion rates because more customers can pay;<\/li>\n\n\n\n<li>Supports customers&#8217; right to pay a maximum of 50% down payment.<\/li>\n<\/ul>\n\n\n\n<p>It is advisable for merchants to work with BNPL providers who offer responsible credit and are transparent about costs and conditions.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_youtube\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-69f61d1d536d2\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from YouTube\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69f61d1d536d1\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69f61d1d536d1\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.youtube.com&#x2F;watch&#x3F;v&#x3D;PA2pNZp1E-o\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on YouTube\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.ytimg.com\/vi\/PA2pNZp1E-o\/maxresdefault.jpg\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"&quot;Buy Now, Pay Later&quot;: Een handige optie of een gevaarlijke valkuil? - Geldland #23\" width=\"500\" height=\"281\" data-src=\"https:\/\/www.youtube.com\/embed\/PA2pNZp1E-o?feature=oembed&#038;enablejsapi=1&#038;origin=https:\/\/www.betaalvereniging.nl\/en\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\t\t<div class=\"absolute transform -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t\t\t\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500 btn--js-video-play rounded-full aspect-square\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-label=\"Play&#x20;video&#x20;&quot;Buy&#x20;Now,&#x20;Pay&#x20;Later&quot;&#x3A;&#x20;Een&#x20;handige&#x20;optie&#x20;of&#x20;een&#x20;gevaarlijke&#x20;valkuil&#x3F;&#x20;-&#x20;Geldland&#x20;&#x23;23\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m2 0 17 10L2 20z\"\/><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/button>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-69f61d1d536d2\" tabindex=\"-1\" class=\"sr-only\">Embedded content from YouTube skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulation-and-supervision\">Regulation and supervision<\/h2>\n\n\n\n<p>By November 2026 at the latest, providers of Buy Now, Pay Later and large e-commerce platforms will be subject to supervision by the <strong>AFM<\/strong>, as part of the <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/b1\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>revised Consumer Credit Directive<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch). Important changes include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mandatory creditworthiness check<\/strong>, even for low purchase amounts;<\/li>\n\n\n\n<li><strong>Age verification<\/strong> to exclude minors;<\/li>\n\n\n\n<li><strong>Affiliation with BKR<\/strong> to better monitor debts.<\/li>\n<\/ul>\n\n\n\n<p>Read more:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.afm.nl\/en\/sector\/actueel\/2025\/juli\/pb-marktupdate-bnpl-2025\" type=\"link\" id=\"https:\/\/www.afm.nl\/en\/sector\/actueel\/2025\/juli\/pb-marktupdate-bnpl-2025\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Buy Now, Pay Later: additional consumer protection needed \u2013 AFM.nl<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.thuiswinkel.org\/nieuws\/wat-staat-er-in-de-herziene-richtlijn-consumentenkrediet\/#:~:text=De%20herziene%20richtlijn%20heeft%20strengere%20reclameregels%20ge%C3%AFntroduceerd%20om,consumenten%20te%20boordelen%20om%20overmatige%20schulden%20te%20voorkomen.\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>What does the revised Consumer Credit Directive say? \u2013 Thuiswinkel.org<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Buy Now, Pay Later (BNPL) is a form of deferred payment whereby consumers often pay for their purchase after receiving it, either in one lump sum or in installments. This payment method is rapidly gaining popularity, especially among young people.<\/p>\n","protected":false},"featured_media":135,"parent":19,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[17],"class_list":["post-3048","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-online-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Buy Now, Pay Later (BNPL) - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Buy Now, Pay Later (BNPL): benefits and risks for consumers, merchant impact and new AFM supervision rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/buy-now-pay-later\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buy Now, Pay Later (BNPL)\" \/>\n<meta property=\"og:description\" content=\"Buy Now, Pay Later (BNPL): benefits and risks for consumers, merchant impact and new AFM supervision rules.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/buy-now-pay-later\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T11:23:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/07\/Online-shoenen-kopen_408161878_1200x630-600x400-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/buy-now-pay-later\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/buy-now-pay-later\\\/\",\"name\":\"Buy Now, Pay Later (BNPL) - 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