# UK  Buy Now Pay Later (BNPL) regulation update: July 15, 2026  changes to Klarna future payments

The UK Government has introduced a new regulatory framework for buy now, pay later (BNPL) providers like Klarna to formalise practices such as proportionate creditworthiness checks, clear customer communications, and support for customers in financial difficulty, effective July 15, 2026.
As part of these changes, Klarna is required to provide consumers with certain regulatory disclosures and product information before entering into each buy now, pay later agreement. For merchants using Klarna subscriptions or saved payment methods for UK buyers, this affects which payment programs 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 programs 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 July 15, 2026: All payment programs available, including Pay in 3 and Pay in 30
- After July 15, 2026: Pay in Full only
### Customer in the checkout flow (on-session)
- Before July 15, 2026: All payment programs available, including Pay in 3 and Pay in 30
- After July 15, 2026: All payment programs available; customers must review the required regulatory disclosures and confirm their payment selection. 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.
## Who is affected?
* **Stripe [Optimised Checkout Suite (OCS)](https://docs.stripe.com/payments/online-payments) users:** No action is required—your customer will be automatically charged the Pay in Full amount upon subscription renewal.
* **Stripe API users with Klarna subscriptions or saved Klarna payment methods for UK buyers:** Review your integration before July 15. See [our Stripe docs](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?
No, only GBP payments are affected at this time.
### 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 they can select a payment program and review the required regulatory disclosures and confirm their payment selection.
### 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 UK regulations.