In-House BNPL: What it really costs in 2026

At first, building in-house BNPL makes sense: control over credit logic, no third-party dependency, the ability to move at your own pace. But the total cost of that control – engineering maintenance, fraud exposure, dispute handling, compliance overhead – rarely surfaces cleanly on the P&L. CCD2 has made that accounting unavoidable. This guide breaks down what running in-house BNPL actually costs, and what your options look like now.

How s.Oliver made ecommerce payments work at scale

s.Oliver has been dressing European families for decades – and their customers tend to stay. When the time came to rethink how post-checkout complexity was managed, it was important to get it right. See how s.Oliver turned a familiar operational problem into a payment experience their customers actually prefer in this ecommerce payment case study.

CCD2 is sorted. Now ask the harder questions

A new regulation has landed in Germany. For most BNPL providers, it means new compliance steps, additional verification, and changes to the checkout experience. For merchants using Riverty’s 14-day invoice, the situation is currently simpler – this product is temporarily exempt from these requirements, so the checkout experience stays as it is; no additional friction, no new steps for your customers. For merchants in Germany, it’s a concrete advantage at a moment when competitors are adding steps.

Why Loyalty Is Built On Clarity During And After Checkout

In beauty ecommerce, the relationship between a brand and its customer doesn’t end at checkout. It’s tested there – and then again in everything that follows. Whether a customer returns for their next skincare order or quietly switches to a competitor often has less to do with the product itself than with how confident they felt throughout the payment journey. Clarity – at checkout and beyond – is what builds that confidence. And in a category where repurchase behaviour drives the majority of revenue, it’s one of the most underused loyalty levers available to merchants.

Returns in Fashion: The Hidden Operational Challenge

Returns are a structural reality in fashion ecommerce. High return rates aren’t exceptions – they’re built into the business model. Customers order multiple sizes, try items at home, and send back what doesn’t work. For fashion brands, the question isn’t whether returns will happen, but how well the business can handle them when they do.

flaconi's path to a smooth payment experience

As Germany's leading online retailer of drugstore and beauty products, flaconi wants to offer its more than 4.5 million active customers the most seamless and flexible shopping experience possible. Just in time for the 2024 peak season with Black Friday and Christmas, flaconi was looking for a payment solution that not only works easily, but also remains stable under maximum load. The answer: a collaboration with Riverty.

Beyond Checkout: Where Fashion Brands Lose Margin

For fashion ecommerce brands, the sale isn’t the finish line – it’s the starting point for a set of processes that quietly determine how much margin actually gets kept. While most attention focuses on conversion rates and average order values, the real cost often begins after checkout. Returns, refunds, and payment handling don’t just affect cash flow – they directly shape long-term profitability. The challenge is that these post-purchase processes are structural realities in fashion, not occasional exceptions.

Buy Now Pay Later for Cosmetics: How Flexible Payments Secure
E-Commerce Growth

Buy Now Pay Later cosmetics solutions are transforming how beauty brands connect with customers. In the premium beauty segment, Buy Now Pay Later cosmetics options have evolved from a nice-to-have feature to an essential checkout element that directly impacts conversion rates, average order values, and customer loyalty. For beauty retailers offering high-value products like fragrances, skincare sets, or beauty devices, payment flexibility removes purchase barriers and creates accessible pathways to premium products.

E-Commerce Payment Solutions: What Truly Matters – Flexibility, Trust, and
Technology

E-commerce payment solutions represent far more than technical infrastructure. They form the foundation of every stable online business, controlling cash flow, protecting sensitive data, and determining how reliably customers perceive a brand. A functioning payment process builds trust among customers, merchants, and partners throughout the entire value chain.