The new consumer credit directive, or CCD II, in 3 minutes:
What midsize retailers really need to know: There are three important changes you need to be aware of, and a whole bunch of adjustments that, ideally, the payment provider mostly handles.
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Everything about the new consumer credit directive
CCD II (Consumer Credit Directive)
Anyone running an online shop and offering invoice payment, installment plans, or 'Buy Now, Pay Later' will have to follow a new set of rules starting November 20, 2026: the second EU Consumer Credit Directive, or CCD II for short. It replaces the previous directive from 2008 and closes a gap that lawmakers had left open – namely regulating digital micro- and short-term loans as well as alternative sales financing options.
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The checklist for the new consumer credit directive CCD II:
Our checklist has 15 points that need to be in place by November 2026. The new requirements affect different areas of the company – from legal and marketing to IT and customer service.
10 terms from CCD II that you should know
CCD II comes with a whole bunch of terms that pop up in industry talks, training sessions, and vendor discussions. If you don’t want to keep asking every single time, you’ll find the most important terms explained here in a nutshell – with the context that really matters for dealers.
How can we help you ?
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If you offer invoice or installment payments through Unzer, we handle almost all of the new obligations for you in the background – just like we’ve been doing with credit checks, risk, and dunning for over ten years.
Pascal Beij, CCO Unzer
Frequently Asked Questions
The new consumer credit directive (CCD II) for retailers raises a lot of questions – and most of them come from retailers who just want to know: What exactly do I need to do now? We've gathered and answered the most common questions for you.
The 7 Biggest Myths About the New Consumer Credit Directive
Since it’s clear that the Consumer Credit Directive, also abbreviated CCD II, will apply in Germany from November 20, 2026, some half-truths have been circulating on industry blogs, LinkedIn posts, and in retailer communities. We’re clearing up the seven most persistent myths and telling you what really applies.
CCD II in Practice: How Unzer is Getting Invoicing and Installment Purchases Ready for the New Requirements
More transparency at checkout and targeted technical adjustments in the background: this is how we implement the requirements of the new EU Consumer Credit Directive (CCD II) for invoice and installment purchases.