BNPL changes in July 2026: Compliance obligations and options for merchants

Webinar: Recorded on Tuesday 19 May 2026

The rules for third-party-provided Buy Now, Pay Later (BNPL) credit – referred to by the FCA as Deferred Payment Credit (DPC) – are changing from 15 July 2026.

For businesses offering BNPL at checkout, or considering short-term, interest-free instalment options, these changes affect customer journeys, provider arrangements, marketing and compliance obligations.

There was also an earlier milestone on 15 May 2026, when the FCA’s temporary permissions notification window opened for in-scope third-party BNPL lenders. For merchants relying on third-party providers that were not authorised to provide regulated credit, this made provider readiness a live issue ahead of the July implementation date.

In this 30-minute webinar, financial services experts John Pauley and Charles Rogers provide a practical overview of what is changing, who is affected, and what businesses should be doing.

What we covered

In this practical session, John and Charles explain: 

• what is changing from 15 July 2026 

• how the new rules affect businesses using third-party BNPL providers 

• the key commercial and compliance issues merchants should review now, including to ensure that any financial promotion is compliant 

• when offering short-term, interest-free credit directly may be an option 

• alternative options for offering credit to your customers 

• the practical next steps for businesses ahead of the deadline 

Who this webinar is for

This webinar is designed for merchants, including retailers, e-commerce businesses and service providers, and it will be particularly relevant if you: 

• already offer BNPL through a third-party provider  

• are considering offering short-term, interest-free credit directly to customers 

• want to understand how the July 2026 changes may affect your business 

What you'll take away

This session will help you gain: 

• a clear understanding of the incoming BNPL changes 

• practical insight into how the changes may affect your business 

• clarity on your options and the issues you should review now 

If your business offers BNPL now or you may want to in the future, this webinar will help you understand the risks, opportunities and next steps. 

Fill in the form below to access the full webinar on-demand.