# EU  Buy Now Pay Later (BNPL) regulation update: November 20, 2026  changes to Klarna future payments

Starting November 20, 2026, the revised EU Consumer Credit Directive will apply to additional forms of consumer credit, including certain buy now, pay later products. Klarna is updating its products and user guidance in response.
As part of these changes, Klarna is required to provide consumers with certain regulatory disclosures and product information before they enter into each buy now, pay later agreement. For merchants using Klarna subscriptions or saved payment methods for EU buyers, this affects which payment programmes are available and when customers need to be present in the checkout flow.
## What's changing
Your existing and future subscriptions and saved Klarna payment methods on file will continue to work, but the available payment programmes will differ depending on whether your customer is present in the checkout flow at the time of charge.
### Customer not in the checkout flow (off-session)
- **Before November 20, 2026:** All payment programmes available, including Pay in 3 and Pay in 30.
- **After November 20, 2026:** To continue supporting all payment programs, including Pay in 3 and Pay in 30, Klarna will offer consumers the option to move their existing and new subscriptions to a separate, reusable line of credit. Unlike a one-time credit agreement for each order, this consumer-specific credit limit can be used for recurring subscriptions and everyday smaller purchases. If a consumer does not accept this offer, their subscription payments will switch to Pay in Full.
### Customer in the checkout flow (on-session)
- **Before November 20, 2026:**  All payment programmes available, including Pay in 3 and Pay in 30.
- **After November 20, 2026:** Customers must review the required regulatory disclosures and review and accept Klarna’s credit terms before completing the payment. Stripe returns a redirect URL for the customer to complete this step – your integration must handle this redirect or the payment will fail, triggering a `payment_intent.payment_failed` [webhook](https://docs.stripe.com/payments/klarna/accept-a-payment?payment-ui=direct-api#failed-payments).
## Who is affected?
* **Stripe [Optimized Checkout Suite (OCS)](https://docs.stripe.com/payments/online-payments) users:** No action is required. Your customer will either accept the alternative line of credit offered by Klarna or be automatically charged the Pay in Full amount upon subscription renewal.
* **Stripe API users with Klarna subscriptions or saved Klarna payment methods for EU buyers:** Review your integration before November 20, 2026 to ensure that customers can complete any Klarna flow required for future payments. See [Set up future Klarna payments](https://docs.stripe.com/payments/klarna/set-up-future-payments?payment-ui=mobile&platform=ios#charge-saved-payment-method) for updated guidance.
## FAQ
### Does this affect all Klarna payments?
This only affects future usage payments where Klarna is used as a saved payment method.
### Does this apply to all currencies?
It applies to Klarna payments offered to EU consumers regardless of transaction currency. It is determined by the buyer profile, not the currency. The potentially impacted currencies are EUR, SEK, NOK, PLN, DKK, CHF, CZK, and RON.
### What if I want to keep offering Pay in 3 or Pay in 30 for future payments?
You can bring the customer back into the checkout flow (on-session) at the time of charge so Klarna can present the payment options for which the customer is eligible. The customer can select a payment program, review and accept Klarna’s credit terms and confirm their payment selection.
Alternatively, your customer can accept Klarna’s offer to move their existing and new subscriptions to a separate, reusable line of credit that covers future off-session payments.
### What should I do if a customer questions a full-amount charge?
Klarna will notify buyers directly about the regulatory changes and their implications, so customers should be aware of the change when it takes effect. Being charged in full is a result of Klarna's compliance with the new EU regulations.