{"id":136212,"date":"2025-12-01T09:42:19","date_gmt":"2025-12-01T08:42:19","guid":{"rendered":"https:\/\/www.retaildetail.be\/?p=136212"},"modified":"2025-12-01T09:42:20","modified_gmt":"2025-12-01T08:42:20","slug":"jongeren-mogen-niet-meer-buy-now-pay-later-in-belgie","status":"publish","type":"post","link":"https:\/\/www.retaildetail.be\/nl\/news\/algemeen\/jongeren-mogen-niet-meer-buy-now-pay-later-in-belgie\/","title":{"rendered":"Jongeren mogen niet meer \u2018buy now, pay later\u2019 in Belgi\u00eb"},"content":{"rendered":"\n

Belgisch minister van Consumentenzaken Rob Beenders dwingt strengere regels af voor \u2018buy now, pay later\u2019-diensten (BNPL) zoals Klarna<\/strong>. De federale regering keurde een wetsontwerp goed dat minderjarigen expliciet weert en stevige boetes voorziet voor wie de regels negeert.<\/p>\n\n\n\n

Alleen voor meerderjarigen<\/h2>\n\n\n\n

BNPL-diensten bieden consumenten de mogelijkheid om online aankopen later en in schijven te betalen. Vooral jongeren maken er gretig gebruik van, maar de risico\u2019s stapelen zich op. Volgens cijfers van de FOD Economie kwam \u201cvorig jaar 17% van de mensen die een krediet afsloten in aanraking met een incassobureau<\/a>, 29% van hen was jonger dan 24 jaar\u201d, aldus Beenders.<\/p>\n\n\n\n

Hoewel een verbod voor minderjarigen al bestond, bleef de toepassing volgens Beenders te vrijblijvend. \u201cMinderjarigen zullen geen kredieten meer kunnen afsluiten\u201d, zegt hij. Als aanbieders dat toch toelaten, riskeren ze een boete tot 800.000 euro of 6% van hun totale jaaromzet.<\/p>\n\n\n\n

Daarnaast houdt de overheid de optie open om identificatie-apps verplicht te maken. \u201cAls we zien dat deze diensten nog steeds te weinig actie ondernemen om minderjarigen te weigeren op hun platformen, zullen we hen een verificatie-app zoals Itsme of MyGov opleggen.\u201d<\/p>\n\n\n\n

Vorm van consumentenkrediet<\/h2>\n\n\n\n

Om de strengere regels mogelijk te maken, maakt het wetsontwerp van uitgesteld betalen een vorm van consumentenkrediet. Dat gebeurt via de omzetting van een Europese richtlijn. BNPL-diensten worden daardoor voortaan ook onderworpen aan strengere informatie-, reclame- en kredietwaardigheidsvereisten.<\/p>\n\n\n\n

Uitgesteld betalen is populair bij jonge consumenten omdat het hen toelaat aankopen te doen zonder meteen voldoende saldo te hebben. Ook platforms zoals bol.com en Zalando, net zoals tal van festivals, bieden het model aan. Armoede-experts waarschuwen echter voor toenemende schuldproblemen.<\/p>\n","protected":false},"excerpt":{"rendered":"

Belgisch minister van Consumentenzaken Rob Beenders dwingt strengere regels af voor \u2018buy now, pay later\u2019-diensten (BNPL) zoals Klarna. 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