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EU CONSUMER CREDIT DIRECTIVE, EFFECTIVE 20 NOV 2026

Installment payments, newly regulated: the options ablefy gives you to set up CCD2-compliant offers

From 20 November 2026, the new EU Consumer Credit Directive (CCD2) takes effect. It affects every business: if you offer private customers (B2C) an installment payment after you have already delivered, this will almost always count as consumer credit, with strict regulatory requirements.

So that you can keep selling on the safe side while your customers still pay flexibly, we have gathered the key information for you here.

  • Existing contracts: stay as they are.

  • Selling B2B: business customers are not affected.

  • Restructure your offers now: use the ablefy alternatives

Where are you right now?

We are preparing everything about the Consumer Credit Directive for you on this page. Start with the topic that is on your mind.

Understand what changes

To the basics

Restructure your offers

To the guides

Explore ablefy platform updates

To the updates

Get a specific question answered

To the help

Understand what changes

On 20 November 2026, the new EU Consumer Credit Directive (CCD2) takes effect. It is designed to better protect private customers from over-indebtedness and newly defines when an installment payment legally counts as credit. It applies to sales to private individuals in the EU.

  • 1

    Installment payment after delivery will count as credit. Lenders face strict obligations: a credit check, pre-contractual information (SECCI) and an official authorisation.

  • 2

    Breaches can lead to fines of up to €500,000 and an extended right of withdrawal.

  • 3

    The good news: flexible payment stays possible, through alternatives and licensed partners such as Klarna. Offering installment payments on your own was risky anyway, because you deliver first and carry the default risk alone. Restructuring your offers is therefore worthwhile regardless of the law, since it protects you from payment defaults.

Further reading

Consumer Credit Directive (CCD2): How can businesses still offer installment payments?

Learn more

FAQ on the CCD2

Learn more

Presentation: Basics of the CCD2

Learn more

Restructure your offers

Still possible

  • One-time payment for products with permanent access
  • Subscription and membership with ongoing delivery
  • Fixed-term subscription, with delivery in step with the payments
  • Down payment before an event or course starts
  • Purchase on account with a payment term of up to 14 days (reseller model) or 50 days (SME)
  • Buy Now, Pay Later via Klarna or PayPal

No longer possible for EU private customers*

  • Installment payments after delivery has already taken place
  • A later due date with full immediate access to all content
  • Paying in installments for products with permanent access
  • Installments priced higher than the one-time payment

*Except via a licensed payment partner or with your own authorisation as a lender.

New ablefy options for CCD2-compliant offers

Here you will find new platform features and settings that let you set up your offers correctly from the start.

All product updates

New product setup: right from the start

When you create online courses and digital products, we guide you through the setup with the right questions. That way your offer is correctly classified from the beginning, and you do not have to work through the details of the CCD2 yourself.

Live

Automatic check of your offers

Based on your answers during product setup, we show you which offers are not CCD2-compliant and need adjusting. You also get recommendations on how to change your offer.

Coming soon

Minimum term and fixed payment dates for the fixed-term subscription

Automatic minimum term of up to 24 months and custom payment intervals for time-limited subscriptions.

Live

Still have questions? Here’s how to reach us.

abby, your AI chat support

abby is continuously trained on our CCD2 content and can answer your first questions about adjusting and configuring your offers, with step-by-step guides.

Our customer support

For individual questions, feel free to contact our customer support.

Exchange with other sellers

Want to swap notes with other sellers on how they are adjusting their offers? Join our Growth Academy.

Your Customer Success Manager

Get advice on restructuring your offers from your Customer Success Manager.

Please note that we can advise you on adjusting your offers with ablefy, but we are not permitted to provide legal advice.