{"product_id":"bnpl-checkout-konsumentkredit-2026-ansvarsmatris","title":"BNPL 2026 – credit check in Shopify checkout, responsibility matrix \u0026 supplier certificate | Word\/PDF\/Excel","description":"\u003csection class=\"mb-product-description\" lang=\"sv\" style=\"line-height:1.65;color:#173B59\"\u003e\n\u003cp\u003e\u003cstrong\u003eDoes your online store offer invoice, installment, or buy now, pay later (BNPL) at Shopify checkout?\u003c\/strong\u003e The new \u003cstrong\u003eConsumer Credit Act (2026:1011)\u003c\/strong\u003e comes into effect on \u003cstrong\u003e20 November 2026\u003c\/strong\u003e. Businesses need to know \u003cem\u003ewhat credit they actually offer or facilitate, who the legal lender is, who performs the credit assessment, and what information consumers receive at the actual point of payment\u003c\/em\u003e. This niche document package helps you conduct exactly that review with a practical evidence- and action-based workflow.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImportant:\u003c\/strong\u003e Not every Shopify store offering invoices is a credit intermediary subject to authorization. The legislation distinguishes, among other things, between the seller's own \u003cstrong\u003especial invoice credit\u003c\/strong\u003e and credit provided by an external BNPL provider. The Swedish Financial Supervisory Authority also emphasizes that whether a business is a credit intermediary under the Consumer Credit Act depends on whether it receives compensation from the lender. Therefore, the templates do not provide automatic answers about authorization requirements or whether a credit assessment is required in a given case.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDigital template package:\u003c\/strong\u003e 5 editable Swedish working templates, 1 Swedish user guide, 1 separate English User Guide – all in \u003cstrong\u003eWord (DOCX) and searchable A4 PDF\u003c\/strong\u003e – plus an \u003cstrong\u003eExcel register with 9 tabs and 810 administrative formulas\u003c\/strong\u003e. \u003cstrong\u003e7 DOCX + 7 PDF + 1 XLSX = 15 customer files\u003c\/strong\u003e delivered in a ZIP. The PDFs are searchable and printable but not interactively fillable.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #B7D3E3;border-left:6px solid #276E9A;background:#EEF7FB;border-radius:10px;padding:17px 19px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e01 · Package contents\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eFive Swedish working templates: \u003cstrong\u003erole and invoice credit classification; checkout test including defaults; supplier declaration with allocation of responsibility; credit information and advertising review; non-compliance, action, and attestation\u003c\/strong\u003e. One Swedish user guide and one English User Guide. All seven in editable DOCX and searchable A4 PDF. Also, a practical Excel workbook. \u003cstrong\u003eTotal 15 files – seven standalone documents.\u003c\/strong\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #B7D3E3;border-left:6px solid #276E9A;background:#EEF7FB;border-radius:10px;padding:17px 19px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e02 · What the files contain\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eFields for the actual store, payment provider, legal lender, compensation for any intermediation, checkout version, mobile\/desktop test, screenshot reference, cost information, regulatory exemptions, responsible action owner, and separate attestation. \u003cstrong\u003eExcel can flag missing documentation but can never determine that a credit is legal or that an FI authorization exists.\u003c\/strong\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eWho needs these templates?\u003c\/h2\u003e\n\n\u003cp\u003eShopify merchants, e-commerce managers, web agencies managing customer checkouts, finance managers, and stores that combine their own invoice terms with an external BNPL\/installment solution. The package is particularly relevant if you need to \u003cstrong\u003everify who is responsible for the payment widget, lender information, and the actual customer flow ahead of 20 November 2026\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNot automatically covered:\u003c\/strong\u003e standard card payments, Swish without credit elements, all B2B payments, or all invoices. Exact roles, credit type, payment deadlines, costs, and business size determine coverage. This is not a consumer credit agreement, an FI authorization, a loan assessment engine, or a substitute for the bank's credit assessment.\u003c\/p\u003e\n\n\u003ch2\u003eComplete file list – 15 customer files\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"width:100%;min-width:690px;border-collapse:collapse\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#DCEBF5\"\u003e\n\n\u003cth style=\"padding:8px;text-align:left\"\u003eDocument\u003c\/th\u003e\n\n\u003cth style=\"padding:8px;text-align:left\"\u003eWhat you do with the file\u003c\/th\u003e\n\n\u003cth style=\"padding:8px;text-align:left\"\u003eLanguage and format\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e01 BNPL role classification\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eMap out own\/external lender, special invoice credit, compensation, and potential Consumer Credit Act supervision.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e02 Checkout test\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eTest default credit options, information visibility, and explicit consent in a real mobile and desktop checkout.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e03 Supplier declaration\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eRequest a written response from the credit\/payment partner regarding contracting party, credit assessment, product version, and correction responsibility.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e04 Customer information and advertising\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eReview actual credit terms, credit costs, pre-contractual information, advertising claims, and exemptions.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e05 Non-compliance, action, and attestation\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eDescribe the specific checkout deficiency, allocate owners, document retesting, and have an authorized person make a decision.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e06 Swedish user guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eFive-step implementation, applicability limits, 50-\/14-day issues, supervision, and sources.\u003c\/td\u003e\n\n\u003ctd\u003eSV · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e07 English User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eEnglish instructions for the five Swedish working forms and the Swedish Excel tracker.\u003c\/td\u003e\n\n\u003ctd\u003eEN · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e08 Excel register\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eNine tabs for payment methods, roles, real test cases, supplier responses, customer texts, and actions.\u003c\/td\u003e\n\n\u003ctd\u003eSV · XLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eDifference between formats:\u003c\/strong\u003e 7 Word documents and 7 PDF versions are the same seven documents in two formats. English refers to the separate English guide, not fully translated Swedish working templates. The PDF files are not digital fillable forms.\u003c\/p\u003e\n\n\u003ch2\u003eExcel: nine tabs and 810 real formulas\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eRead me, Overview, Payment methods, Roles, Checkout test, Suppliers, Customer info, Actions, Sources\u003c\/strong\u003e. The table can flag, for example, \u003cstrong\u003e“CHECK PAYMENT METHOD”, “INVESTIGATE INTERMEDIATION”, “REVIEW DEFAULT CREDIT”, “AWAIT SUPPLIER RESPONSE”, “COMPLETE INFORMATION” and “MANUAL ATTESTATION REQUIRED”\u003c\/strong\u003e. These are administrative follow-ups, not a legal approval. All 24 scenario tests have passed expected status responses. The customer file is free of test cases, personal identity numbers, and card details; there is no VBA\/macro or bank connection.\u003c\/p\u003e\n\n\u003ch2\u003eHow to use with Shopify checkout – step by step\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eList the payment methods.\u003c\/strong\u003e Document exactly which invoice, installment, and card options the store displays. Separate the seller's own invoice from an external lender.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eAssess the scope of the law.\u003c\/strong\u003e Read Chapter 1, Section 3, Chapters 2–5 of SFS 2026:1011 and the exemptions for special invoice credit. Determine whether the store actually facilitates credit for compensation under the relevant Consumer Credit Act definition.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eObtain the supplier's statement.\u003c\/strong\u003e Ask the correct lender to state in writing who is responsible for credit decisions, customer information, credit costs, the checkout widget, and any changes.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eTest the payment flow.\u003c\/strong\u003e Take real screenshots in the supplier's approved test mode on mobile\/desktop: defaults, information, and consent. Do not enter personal identity numbers, real credit applications, or customer data into the templates.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCorrect and attest.\u003c\/strong\u003e Record open deficiencies in Excel. After the supplier or store developer takes action, perform a new test and have the responsible person approve it manually.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eLegal boundaries that must not be simplified\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eSFS 2026:1011 from 20 November 2026:\u003c\/strong\u003e replaces the Consumer Credit Act (2010:1846), with transitional provisions for older agreements. The new law does not apply in exactly the same way to all types of credit. \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003eRead the enacted law text\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSpecial invoice credit under Chapter 1, Section 3:\u003c\/strong\u003e the seller's own credit without credit costs, normally with repayment within 50 days. For a larger seller's distance agreement concluded online, terms of no more than 14 days apply instead, and the credit claim may not be transferred during the term. The special exemptions in Chapter 2, Section 9, Chapter 3, Section 19, Chapter 4, Section 21, and Chapter 5, Section 7 apply only when the entire definition is actually met; external BNPL is not automatically exempt. It is therefore incorrect to claim that all invoice solutions must be subject to credit assessment in exactly the same way.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDefaults and credit information:\u003c\/strong\u003e The Swedish Consumer Agency states that credit options should not be preselected and that credit provision is more strictly regulated. Use template 02 for an actual observation, but check which party responsibility and special rules apply in your checkout. \u003ca href=\"https:\/\/www.konsumentverket.se\/nyhet\/striktare-regler-for-laneforetag\/\"\u003eSwedish Consumer Agency news 2 November 2026\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAuthorization and supervision:\u003c\/strong\u003e The Swedish Financial Supervisory Authority states that a credit intermediary under the Consumer Credit Act definition must receive compensation from the lender for the intermediation. A smaller subsidiary credit intermediary may be subject to supervision by the Swedish Consumer Agency, while some others require an FI authorization. The assessment is influenced by size, credit type, fees, deadlines, and online\/physical channel. Some already operating companies subject to authorization may apply by 20 November 2027 at the latest; new ones may need authorization before starting. \u003ca href=\"https:\/\/www.fi.se\/sv\/bank\/sok-tillstand\/subsidiara-kreditgivare-och-kreditformedlare\/\"\u003eSwedish Financial Supervisory Authority guidance\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eStaff knowledge:\u003c\/strong\u003e \u003ca href=\"https:\/\/www.konsumentverket.se\/marknadsratt-foretag\/fragor-och-svar-angaende-nya-regler-for-vissa-konsumentkrediter\/\"\u003eThe Swedish Consumer Agency describes the Consumer Credit Act and new competence requirements\u003c\/a\u003e. \u003ca href=\"https:\/\/lagen.nu\/kovfs\/2026:1\"\u003eKOVFS 2026:1\u003c\/a\u003e applies within the proper supervisory scope. This product contains review templates, not an individual credit competence certificate.\u003c\/p\u003e\n\n\u003ch2\u003eFrequently asked questions – BNPL and invoices 2026\u003c\/h2\u003e\n\n\u003ch3\u003eDoes my Shopify store need to apply for a credit intermediary authorization for Klarna or another BNPL?\u003c\/h3\u003e\n\n\u003cp\u003eNot automatically. The intermediary role, compensation from the lender, and other Consumer Credit Act rules must be assessed from your actual agreements. Authorization requirements and supervision may differ between businesses.\u003c\/p\u003e\n\n\u003ch3\u003eIs all standard 30-day invoice credit subject to assessment under the new rules?\u003c\/h3\u003e\n\n\u003cp\u003eAssess who provides the credit, the credit costs, and the defined terms for special invoice credit. SFS 2026:1011 provides special exemptions; an external BNPL solution may need to be assessed separately.\u003c\/p\u003e\n\n\u003ch3\u003eWhat happens if the credit option is preselected in checkout?\u003c\/h3\u003e\n\n\u003cp\u003eDocument actual behavior via template 02 and refer the question to the responsible payment provider and legal representative. The Swedish Consumer Agency describes this as a regulated risk in the new consumer credit rules. The change is not made by the Word or Excel file.\u003c\/p\u003e\n\n\u003ch3\u003eWho is responsible for the credit assessment – the e-commerce merchant or the payment provider?\u003c\/h3\u003e\n\n\u003cp\u003eThe actor that is the lender and another that has an actually applicable duty must be determined. Template 03 requests the supplier's written statement; no standard claim is made that all stores should perform a credit assessment themselves.\u003c\/p\u003e\n\n\u003ch3\u003eDo the new rules also apply to old customer agreements before 20 November 2026?\u003c\/h3\u003e\n\n\u003cp\u003eThe older Consumer Credit Act continues to apply as a general rule to agreements before the effective date, with special exemptions for certain ongoing credits. Check the transitional provisions of 2026:1011.\u003c\/p\u003e\n\n\u003ch3\u003eIs the product a complete ready-made customer invoice, credit agreement, or legally valid EU fact sheet?\u003c\/h3\u003e\n\n\u003cp\u003eNo. It contains review templates and decision support for the e-commerce payment flow. Credit agreements, mandatory standardized information, authorization, and real credit assessment require separate actual solutions.\u003c\/p\u003e\n\n\u003ch3\u003eCan I connect Excel directly to Shopify or a BNPL provider?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Excel is an offline working register. There is no Shopify API connection, bank integration, or automatic credit decision technology in the file.\u003c\/p\u003e\n\n\u003ch3\u003eAre all templates in English?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Five operational working templates, a Swedish guide, and Excel are in Swedish. A separate English User Guide helps international colleagues use the Swedish files.\u003c\/p\u003e\n\n\u003ch2\u003eSources and transparent quality assurance\u003c\/h2\u003e\n\n\u003cp\u003eReviewed sources: \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003eSFS 2026:1011\u003c\/a\u003e; \u003ca href=\"https:\/\/www.fi.se\/sv\/bank\/sok-tillstand\/subsidiara-kreditgivare-och-kreditformedlare\/\"\u003eSwedish Financial Supervisory Authority\u003c\/a\u003e; \u003ca href=\"https:\/\/www.konsumentverket.se\/marknadsratt-foretag\/fragor-och-svar-angaende-nya-regler-for-vissa-konsumentkrediter\/\"\u003eSwedish Consumer Agency\/Consumer Credit Act\u003c\/a\u003e; \u003ca href=\"https:\/\/www.konsumentverket.se\/nyhet\/striktare-regler-for-laneforetag\/\"\u003eSwedish Consumer Agency news 2026-11-02\u003c\/a\u003e; \u003ca href=\"https:\/\/lagen.nu\/kovfs\/2026:1\"\u003eKOVFS 2026:1\u003c\/a\u003e; and \u003ca href=\"https:\/\/www.fi.se\/sv\/vara-register\/fffs\/sok-fffs\/2026\/202632\/\"\u003eFFFS 2026:32\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eVersion 1.0 – AI-assisted legal source check 9 November 2026.\u003c\/strong\u003e The 15 customer files are technically tested with 24 Excel scenarios, 14 searchable A4 pages, and ZIP integrity check. No external lawyer, authority, or lender has approved or certified the templates. The company's actual contract terms and checkout must be reviewed separately. The product is a digital ZIP – no physical product or subscription.\u003c\/p\u003e\n\n\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56558736965974,"sku":"MB-BNPL-CHECKOUT-2026-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/mallbutiken-01_BNPL_2026_Huvudbild_1600.png?v=1794220780","url":"https:\/\/mallbutiken.se\/en\/products\/bnpl-checkout-konsumentkredit-2026-ansvarsmatris","provider":"Mallbutiken","version":"1.0","type":"link"}