Klarna and other BNPL providers

[mhsuffolk]

Received this morning from Stripe.
"New UK buy now, pay later regulations
The UK government has introduced regulations for buy now, pay later (BNPL) providers, including Klarna. These regulations take effect on 15 July 2026 and require updated marketing disclosures at checkout.
What you need to do
If you use Stripe’s Optimized Checkout Suite or Payment Method Messaging Element, then no action is required from you – Stripe will update these disclosures automatically. Klarna will also update their standard payment flow and hosted components automatically.
If you use any custom promotions, banners, or content outside Klarna's on-site messaging and payment flow, you must update them to align with Klarna's partner marketing guidelines by 15 July. This includes any references to Pay Later, Pay in 3, or the regulated status of Klarna's payment options."

@BrockleyJohn I presume the Stripe Elements addon that I use will cover this.

[14Steve14]

We received the same email from Stripe and as we don't use any marketing for BNPL we just ignored it, but I assume if its a banner suplied by Klarna, or what ever, it will be updated automatically.

We do use PayPal Pay in Three but when looking at the PayPal site about this, it said that if the banner was something from PayPal it would be updated automatically before the rules come into force.

We did have a page that tried to sell PayPal pay in three so we just removed that page as it had our own infographic on it.

[burt]

I found the FCA page for a broad overview;

https://www.fca.org.uk/consumers/buy-now-pay-later

[burt]

Now in force.

https://www.bbc.co.uk/news/articles/c9q283r9px3o

[BrockleyJohn]

@BrockleyJohn I presume the Stripe Elements addon that I use will cover this.

Sorry for not picking this up sooner. The overall situation for all the payment modules that offer buy now, pay later (Paypal Checkout, Braintree, Square as well as Stripe) is that if you've not added any messaging, banners etc separately from the modules, you are fine.