BNPL Regulation 2026
Are You Ready?

From July 2026, the FCA will begin regulating most Buy Now, Pay Later (BNPL) products.

Don’t wait until it’s too late, early preparation is the key to a smooth transition.
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BNPL Regulation 2026 Are You Ready?

What’s Changing in 2026?

 

  • You may need FCA authorisation or to become an Appointed Representative (AR)
  • Product terms, communications and processes will face stricter standards
  • Non-compliance could lead to application rejections, fines, or product withdrawal from market
How We Can Help

How We Can Help

With 15+ years’ experience helping firms bring regulated products to market, we provide end-to-end support to help you become BNPL-regulated:
 
  • BNPL Compliance Reviews – we review your product model and highlight compliance gaps
  • FCA Application Support – expert drafting, submission and liaison with the FCA
  • Regulatory Pathway Guidance – guidance on whether to apply directly or become an AR
  • Policy & Document Drafting – everything you need to meet FCA standards
  • Section 21 Approvals – unique permission for financial promotions sign-off
  • Sector-Specific Advice – tailored to retailers, lenders, motor finance providers and more

Sector Expertise & FCA Authorisation

Retail

Adding BNPL at checkout? We’ll help you stay compliant while offering flexible payment options, whether that’s through a third-party provider, or an in-house credit solution.

Explore Retail

Motor Finance

BNPL often overlaps with regulated credit or insurance. We’ll help you structure offerings that balance commercial goals with compliance.

Explore Motor Finance

Technology Retail

Launching a new BNPL product or adapting an existing one? We’ll guide you through FCA approvals, risk governance, and Consumer Duty requirements.
Explore Technology Retail

Why Work With Us?

 

  • Trusted by 100+ UK firms across finance, retail and technology
  • Over 15 years of regulatory experience
  • Hands-on support, not just advice
Why Work With Us?

Free Resource: BNPL Regulation 2026 Readiness Checklist

Download our practical guide covering:

  • What documentation and approvals you’ll need

  • How to start preparing now
Download BNPL Checklist
Free Resource: BNPL Regulation 2026 Readiness Checklist
Get BNPL-Ready with Expert Support

Get BNPL-Ready with Expert Support

Don’t leave compliance to chance. Speak to our team and plan your BNPL authorisation today.
Book a Free Consultation