Buy now, pay later in your online store: costs, effect and the 2026 rules

.comparison-cards { display: flex; flex-direction: column; gap: 1.5rem; } .comparison-card { background: #fff; border-radius: 16px; padding: 20px; border: 2px solid #efefef; } .comparison-header { display: flex; justify-content: space-between; font-size: 16px; margin-bottom: 12px; } .comparison-row { display: flex; justify-content: space-between; padding: 8px 0; border-top: 1px solid #efefef; font-size: 14px; color: #1f2937; } .comparison-label { font-size: 14px; width: 30%; } .comparison-value { width: 65%; text-align: right; } @media (max-width: 600px) { .comparison-row { flex-direction: column; align-items: flex-start; } .comparison-value { text-align: left; margin-top: 4px; } } When you sell products at €300 or €1,000, some customers don't stop at the price, they stop at the amount they have to pay right now. Pay in instalments solves exactly that: the customer gets the product today and pays in a few parts, while you get paid by the bank or provider. It isn't free for you, and from 20 November 2026 the EU rules for consumer credit change for interest-free instalments too. Below I show the options in Romania and Denmark, the two markets I work in, what they cost, what effect to expect, which rules apply and how to present it on your site. At the end there's a calculator that tells you whether it's worth it, with your own numbers. 1. The types of pay in instalments Quite different things go by the same name. What matters is who gives the credit, who pays the cost and who carries the risk that the customer doesn't pay. Option Instalments on a bank card How it works The customer pays with a bank's credit card and, at partner merchants, the amount is split into interest-free instalments. Who pays and who carries the risk The customer pays no interest if they pay on time. The merchant carries the cost through its contract with the bank. Option Buy now, pay later provider How it works The customer picks the method at checkout, the provider approves it quickly,…