# Scalapay changes for CCD2 compliance — November 20, 2026 Scalapay is making changes to comply with the revised [EU Consumer Credit Directive (CCD2)](https://eur-lex.europa.eu/eli/dir/2023/2225/oj/eng). These changes take effect on November 20, 2026. This page explains what's changing, who's affected, and what action you need to take. ## Country availability changes From November 20, 2026, Scalapay will temporarily stop accepting new orders from buyers in the following countries: * Austria * Belgium * Finland * Germany Scalapay will continue accepting orders from buyers in: * France * Italy * Portugal * Spain * The Netherlands This restriction is based on the buyer's location, not your business location. If your business is based in one of the four affected countries, you can continue offering Scalapay to buyers in supported countries. You don't need to remove Scalapay from your account because of your business location. ## What you should do Update any checkout information or promotional content that presents Scalapay as available to buyers in Austria, Belgium, Finland, or Germany. This includes payment method selectors, checkout pages, and any marketing materials that reference Scalapay availability in those countries. ## Guidance for businesses selling to buyers in France Scalapay has updated its requirements for how financing options are presented to buyers in France. Complete the following by November 20, 2026. ### Review and update promotional materials Review all Scalapay-related promotions you manage, including product pages, banners, emails, social media posts, and in-store materials. Replace any outdated or self-created financing promotions with Scalapay's latest approved materials. Preserve the required legal disclosures in all materials. Download the France-specific [Scalapay merchant guidelines (PDF)](https://go.stripe.global/rs/072-MDK-283/images/Scalapay_Merchant_Guidelines_CCD2_France%20%28x%20Stripe%29.pdf) and [CCD2 legal disclosures](https://go.stripe.global/rs/072-MDK-283/images/Scalapay_Mentions_legales_CCD2_France%20%28Shared%20w_Stripe%20-%2012%20Nov%29.pdf). ### Check your widget configuration If you use Scalapay's promotional widget, check its configuration using [Scalapay's widget 5.2 instructions](https://merchant-help.scalapay.com/hc/en-gb/articles/40421718040221-Widget-Updated-Version-5-2-everything-you-need-to-know). * Existing V5 widgets with the correct merchant token will upgrade automatically. * Older widgets or widgets with an incorrect configuration need manual updating. If you don't use a Scalapay widget, you don't need to install one as part of this update. The advertising guidance above still applies to any other Scalapay promotions you display. ## Platforms: Notify your connected accounts If you operate a platform with merchants who offer Scalapay, you must notify them of the updated guidance before November 20, 2026. ### Which accounts to contact You must contact connected accounts that offer Scalapay but don't have full access to the Stripe Dashboard. Include all merchants offering Scalapay, not only those with recent payments from the affected countries. Stripe will contact accounts with full Dashboard access directly. You can filter your connected accounts view in the Dashboard to identify accounts with no Dashboard access or Express-only access: * [Accounts with no Dashboard access](https://dashboard.stripe.com/connect/accounts?controller%5Bstripe_dashboard%5D%5Btype%5D=none) * [Accounts with Express-only Dashboard access](https://dashboard.stripe.com/connect/accounts?controller%5Bstripe_dashboard%5D%5Btype%5D=express) Contact your Stripe account team or Stripe support if you need any help understanding which accounts to contact. Here’s a sample email you can send to your merchants: **Subject:** [Important] Scalapay changes from Nov 20, 2026 Scalapay has announced changes related to the revised [EU Consumer Credit Directive (CCD2)](https://eur-lex.europa.eu/eli/dir/2023/2225/oj/eng) effective November 20, 2026. We’re contacting you because you offer Scalapay to your customers and you may need to update promotional content on your website and/or checkout. If you don't display any promotional Scalapay material or use a Scalapay promotional widget for customers in France, no action is required. **What’s changing** From November 20, Scalapay will temporarily stop accepting new orders from customers in Austria, Belgium, Finland, and Germany. This restriction concerns your customers' location, not your business location. You can continue offering Scalapay to customers in supported countries. **What to do before November 20** Remove any checkout information or promotional content you manage that presents Scalapay as available to customers in the affected countries. If you sell to customers in France, review how Scalapay financing options are presented to your customers in France: * **Promotions:** Review your Scalapay-related promotions, including product pages, banners, emails, social posts, and in-store materials. Replace any outdated or self-created financing promotions using Scalapay's latest approved materials. Don't change the materials; keep all disclosures, captions and links intact. * **Widget configuration:** If you use Scalapay's promotional widget, check its configuration using [Scalapay's widget 5.2 instructions](https://merchant-help.scalapay.com/hc/en-gb/articles/40421718040221-Widget-Updated-Version-5-2-everything-you-need-to-know) and update if necessary. * Existing V5 widgets with the correct merchant token will automatically update. * You'll need to manually update older or incorrectly configured widgets. * **No widget?** If you don't use a Scalapay widget, you don't need to install one. The advertising guidance still applies to other Scalapay promotions you display. Download the France-specific [Scalapay merchant guidelines (PDF)](https://go.stripe.global/rs/072-MDK-283/images/Scalapay_Merchant_Guidelines_CCD2_France%20%28x%20Stripe%29.pdf) and [CCD2 legal disclosures](https://go.stripe.global/rs/072-MDK-283/images/Scalapay_Mentions_legales_CCD2_France%20%28Shared%20w_Stripe%20-%2012%20Nov%29.pdf). **Questions?** For questions about Scalapay's widget or marketing materials, [contact Scalapay](https://merchant-help.scalapay.com/hc/articles/40447591716637).