Verify BNPL customers without losing conversion

CCD2 brings most deferred payment and short-term instalment products into the scope of consumer credit regulation, including many that fell outside the 2008 directive because of their size or duration. National implementations vary, so the definitive answer depends on your product terms and the markets you operate in.

Providers must identify the consumer before entering into a credit agreement and keep evidence supporting that process. Because BNPL now sits inside regulated consumer credit, the AML framework applies alongside it.

Yes. itsme shares only the attributes you request. For an eligibility check that means name, surname and date of birth, rather than a complete identity profile or a copy of an identity document.

No. itsme covers identification, age verification and authentication. Assessment of income, expenses and existing liabilities is handled by your credit bureau or open banking provider, and itsme is designed to sit alongside those services.

itsme is used by millions of consumers and is accepted by banks, insurers and government services. For customers outside Belgium and the Netherlands, see our coverage page and our EU Digital Identity Wallet intermediary service.

It depends entirely on what the check asks of the customer. Document scans and manual review add friction and drop-off. itsme reuses an identity the customer already has, so verification takes a single tap, and returning customers are recognised without repeating it.

CCD2 brings most deferred payment and short-term instalment products into the scope of consumer credit regulation, including many that fell outside the 2008 directive because of their size or duration. National implementations vary, so the definitive answer depends on your product terms and the markets you operate in.