{"product_id":"bnpl-faktura-ehandel-2026-kreditkontroll","title":"BNPL \u0026 Invoicing in E-commerce 2026 – Checkout Test, Credit Information and Liability | Word\/PDF\/Excel","description":"\u003cp\u003e\u003cstrong\u003eReview invoices, installment payments, and “buy now, pay later” (BNPL) in a Swedish online store.\u003c\/strong\u003e This document package helps e-commerce businesses map out lenders and payment service providers, test payment options, review credit information, and document remedial actions ahead of the new consumer credit act on \u003cstrong\u003e20 November 2026\u003c\/strong\u003e. It is not a credit agreement, an official form, or a completed compliance certificate.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eQuick facts:\u003c\/strong\u003e Swedish law and EU background; five Swedish working documents, one Swedish guide, and one English user guide. \u003cstrong\u003e7 editable DOCX + 7 corresponding searchable PDFs + 1 XLSX\u003c\/strong\u003e, totaling 15 customer files. The PDF versions are for reading and printing, not interactive fillable forms. The Excel file has ten worksheets. The delivery format is a digital ZIP file after publication and separate activation.\u003c\/p\u003e\n\u003csection aria-label=\"Package contents\" style=\"border:1px solid #b6cadb;border-radius:10px;padding:18px;margin:20px 0;background:#f1f7fc;\"\u003e\u003ch2\u003ePackage contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003e7 standalone documents:\u003c\/strong\u003e role assessment; checkout test; marketing and information review; responsibility matrix\/supplier questions; action plan\/final decision; Swedish user guide; English User Guide. Each document is available in DOCX and PDF. One separate XLSX with 10 tabs is included. Totaling \u003cstrong\u003e15 customer files\u003c\/strong\u003e, but not 15 different document types.\u003c\/p\u003e\u003c\/section\u003e\n\u003csection aria-label=\"What the files contain\" style=\"border:1px solid #b6cadb;border-radius:10px;padding:18px;margin:20px 0;background:#fff;\"\u003e\u003ch2\u003eWhat the files contain\u003c\/h2\u003e\n\n\u003cp\u003ePractical forms to identify who provides or facilitates the credit, check special invoice credit, review the checkout’s default settings and order, document actual marketing, collect supplier confirmations, and follow up on deviations. The Excel file distinguishes between registered, tested, and manually decided compliance, as well as legally verified compliance.\u003c\/p\u003e\u003c\/section\u003e\n\u003ch2\u003eWho is the template suitable for—and who is it not suitable for?\u003c\/h2\u003e\n\u003cp\u003eFor a small Shopify store with an external invoice service, it can help map out how the supplier and the store share actual information and responsibilities. For a larger online store with installment payment campaigns, it helps review the checkout, ads, and supplier responses. However, it is not sufficient for a lender that needs comprehensive credit assessment procedures, statutory consumer information, or a formal license application.\u003c\/p\u003e\n\u003ch2\u003eExact file list\u003c\/h2\u003e\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"border-collapse:collapse;width:100%;min-width:630px\"\u003e\n\n\u003cthead\u003e\u003ctr\u003e\n\n\u003cth\u003eDocument\u003c\/th\u003e\n\n\u003cth\u003eTask\u003c\/th\u003e\n\n\u003cth\u003eLanguage\u003c\/th\u003e\n\n\u003cth\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eRole and applicability assessment\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eLender, facilitation, own invoice, possible exemptions\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eCheckout test and payment options\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDefault settings, payment order, mobile\/desktop, test evidence\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eMarketing and credit information\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eInterest details, credit messaging, pre-information\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eResponsibility matrix and supplier questions\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eRACI, questions for payment and credit partners\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eAction plan and final decision\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDeviations, responsibility, actions, and manual decision\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eUser guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eLegal boundaries and usage steps\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eEnglish User Guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eEnglish instructions for the Swedish working documents\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eEnglish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eControl register\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003e10 Excel tabs with status options and tested summaries\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border:1px solid #ccd7e1\"\u003eXLSX\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\u003ch2\u003eWhat Excel does in practice\u003c\/h2\u003e\u003cp\u003eThe workbook’s ten tabs are \u003cstrong\u003ePayment methods, Actors, Checkout test, Marketing, Pre-information, Deviations, Decisions, Role assessment, Start, and Sources and guide\u003c\/strong\u003e. It has ID fields, manual status selections, and an overview with tested formulas that summarize actual register entries. A completed checkout test, a registered credit agreement, or a status of “Approved internally” does not mean that the legal requirements are met. The register does not make automatic decisions about credit intermediary status, special invoice credit, or licensing.\u003c\/p\u003e\n\u003ch2\u003eWorkflow – from payment method to control decision\u003c\/h2\u003e\u003col\u003e\n\n\u003cli\u003eInventory payment methods and identify the lender, any credit intermediary, and the payment service provider.\u003c\/li\u003e\n\n\u003cli\u003eTest relevant exemptions based on actual credit terms, compensation, and the size of the store; mark unclear questions.\u003c\/li\u003e\n\n\u003cli\u003eTest in a secure environment how credit options are displayed and whether anything is set as the default in the checkout.\u003c\/li\u003e\n\n\u003cli\u003eReview actual credit messaging, costs, representative examples, and pre-information where required.\u003c\/li\u003e\n\n\u003cli\u003eCollect supplier confirmations, correct deficiencies, and save version-controlled evidence.\u003c\/li\u003e\n\n\u003cli\u003eMake a manual decision with clear reservations and follow-up.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eLegal rules and important exemptions\u003c\/h2\u003e\u003cp\u003eThe \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003eenacted consumer credit act (2026:1011)\u003c\/a\u003e will come into effect on 20 November 2026. It regulates marketing, information, and credit assessment, among other things. \u003cem\u003eSpecial invoice credit\u003c\/em\u003e requires several cumulative conditions regarding who provides the credit, the cost, and the repayment period. Exemptions apply only to specifically stated provisions. For larger sellers who enter into distance agreements online, a stricter 14-day limit and requirements regarding the transfer of the claim also apply. An external BNPL service is therefore not automatically exempt.\u003c\/p\u003e\n\u003cp\u003eAccording to the \u003ca href=\"https:\/\/www.fi.se\/sv\/bank\/sok-tillstand\/subsidiara-kreditgivare-och-kreditformedlare\/\"\u003eSwedish Financial Supervisory Authority’s guidance\u003c\/a\u003e, a company’s classification as a subsidiary lender\/intermediary depends on factors including its actual business activities, any facilitation compensation, and agreements. The competent supervisory authority and any licensing requirements must be assessed separately. The \u003ca href=\"https:\/\/www.konsumentverket.se\/marknadsratt-foretag\/krediter-regler-for-foretag\/\"\u003eSwedish Consumer Agency’s guidance\u003c\/a\u003e also covers the order and default settings of payment options under the payment services act. Do not use the template to determine who is responsible without an agreement and verified legal assessment.\u003c\/p\u003e\n\u003ch2\u003eCompare with other documents\u003c\/h2\u003e\u003cp\u003e\u003ca href=\"\/en\/products\/kreditpolicy-b2b-2026-2027-kreditprovning-kreditlimit-kundkreditregister-svenska-english-word-pdf-excel\"\u003eB2B Credit Policy\u003c\/a\u003e applies to credit limits and credit risk between businesses, not the consumer’s BNPL checkout. \u003ca href=\"\/en\/products\/tillganglighetslagen-ehandel-mallpaket-2026\"\u003eThe Accessibility Act for E-commerce\u003c\/a\u003e is another control track for the customers’ digital purchasing experience.\u003c\/p\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eIs a store with an external invoice solution automatically a credit intermediary?\u003c\/h3\u003e\u003cp\u003eNo. This must be determined from actual activities, compensation arrangements, and relevant legal definitions.\u003c\/p\u003e\u003ch3\u003eAre all interest-free invoice purchases exempt?\u003c\/h3\u003e\u003cp\u003eNo. “Special invoice credit” has express cumulative conditions, and exemptions cover only certain provisions.\u003c\/p\u003e\u003ch3\u003eCan an online store have a credit option set as the default?\u003c\/h3\u003e\u003cp\u003eThe rules on the presentation of payment options must be assessed under the payment services act and the actual design of the checkout; the responsible payment service provider must be involved.\u003c\/p\u003e\u003ch3\u003eAre the PDF files fillable, and are all files bilingual?\u003c\/h3\u003e\u003cp\u003eNo. Edit the DOCX. The PDFs are searchable\/printable without interactive forms. The working templates and Excel file are in Swedish; only the separate User Guide is in English.\u003c\/p\u003e\u003ch3\u003eIs the package a completed legal compliance?\u003c\/h3\u003e\u003cp\u003eNo. It structures the documentation work and does not replace licensing, credit assessment, external legal assessment, or your own controls in the actual checkout.\u003c\/p\u003e\n\u003ch2\u003eSources and version\u003c\/h2\u003e\u003cp\u003eVersion 1.0, 9 November 2026. AI-assisted legal source review without external legal review. Check the current rules on the \u003ca href=\"https:\/\/www.konsumentverket.se\/marknadsratt-foretag\/fragor-och-svar-angaende-nya-regler-for-vissa-konsumentkrediter\/\"\u003eSwedish Consumer Agency’s updated questions and answers\u003c\/a\u003e, as well as through the Swedish Financial Supervisory Authority and the Swedish Parliament, before use.\u003c\/p\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56558739095894,"sku":"BNPL-EHANDEL-20261109-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/bnpl-ehandel-kreditkontroll-2026-huvudbild.jpg?v=1794220714","url":"https:\/\/mallbutiken.se\/en\/products\/bnpl-faktura-ehandel-2026-kreditkontroll","provider":"Mallbutiken","version":"1.0","type":"link"}