{"id":12505,"date":"2026-06-25T09:19:24","date_gmt":"2026-06-25T07:19:24","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=12505"},"modified":"2026-06-25T09:19:26","modified_gmt":"2026-06-25T07:19:26","slug":"regulace-ccd2","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/regulace-ccd2\/","title":{"rendered":"Konec BNPL v Evrop\u011b? Regulace CCD2 m\u016f\u017ee po\u0161kodit pr\u00e1v\u011b ty z\u00e1kazn\u00edky, kter\u00e9 chce chr\u00e1nit\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em><strong>&#8211; Michal Kro\u010dil, \u0159editel financ\u00ed a \u0159\u00edzen\u00ed rizik Skip\u00a0Pay\u00a0<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropsk\u00e1 unie se od listopadu chyst\u00e1 v\u00fdrazn\u011b zas\u00e1hnout do trhu odlo\u017een\u00fdch plateb. Nov\u00e1 sm\u011brnice CCD2 p\u0159in\u00e1\u0161\u00ed <strong>p\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f<\/strong> a nov\u011b dopadne i na segment BNPL (Buy\u00a0Now,\u00a0Pay\u00a0Later).\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1 to ale jeden h\u00e1\u010dek.<strong> Odlo\u017een\u00e9 platby nejsou klasick\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. Stoj\u00ed na jednoduchosti, transparentnosti a minim\u00e1ln\u00ed administrativ\u011b<\/strong>. Z\u00e1kazn\u00edk zaplat\u00ed a\u017e ve chv\u00edli, kdy m\u00e1 zbo\u017e\u00ed doma, neplat\u00ed \u017e\u00e1dn\u00e9 \u00faroky a z\u00e1rove\u0148 z\u00edsk\u00e1v\u00e1 v\u011bt\u0161\u00ed kontrolu nad rodinn\u00fdm rozpo\u010dtem. D\u00edky platb\u011b na t\u0159etiny si m\u016f\u017ee n\u00e1klad rozlo\u017eit do n\u011bkolika bez\u00faro\u010dn\u00fdch spl\u00e1tek m\u00edsto klasick\u00e9ho \u00fav\u011bru. I proto se BNPL b\u011bhem n\u011bkolika let stalo jedn\u00edm z nejrychleji rostouc\u00edch platebn\u00edch n\u00e1stroj\u016f v evropsk\u00e9 e-commerce. Kv\u016fli nov\u00e9 regulaci ale m\u016f\u017ee o svou atraktivitu rychle p\u0159ij\u00edt.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Evropa \u0159e\u0161\u00ed americk\u00fd probl\u00e9m, ten sv\u016fj nech\u00e1v\u00e1 stranou<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z nejv\u011bt\u0161\u00edch zm\u011bn CCD2 je <strong>zru\u0161en\u00ed v\u00fdjimky pro mal\u00e9 a bez\u00faro\u010dn\u00e9 \u00fav\u011bry<\/strong>. Poskytovatel\u00e9 odlo\u017een\u00fdch plateb budou muset mnohem <strong>podrobn\u011bji posuzovat \u00fav\u011bruschopnost klient\u016f<\/strong>. Na pap\u00ed\u0159e to vypad\u00e1 logicky, praxe je ale slo\u017eit\u011bj\u0161\u00ed.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z dat ve Skip&nbsp;Pay&nbsp;v\u00edme, \u017ee ve chv\u00edli, kdy mus\u00ed z\u00e1kazn\u00edk dokl\u00e1dat p\u0159\u00edjmy, v\u00fddaje nebo dal\u0161\u00ed finan\u010dn\u00ed informace, propad\u00e1 se dokon\u010den\u00ed procesu na osminu a\u017e jeden\u00e1ctinu p\u016fvodn\u00ed \u00farovn\u011b. Z deseti z\u00e1kazn\u00edk\u016f, kte\u0159\u00ed by dnes pohodln\u011b dokon\u010dili n\u00e1kup, tak m\u016f\u017ee po zaveden\u00ed slo\u017eit\u011bj\u0161\u00edho procesu zb\u00fdt pouze jeden.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paradox spo\u010d\u00edv\u00e1 v tom, \u017ee neodejdou ti nejm\u00e9n\u011b spolehliv\u00ed, ale naopak ti nejspolehliv\u011bj\u0161\u00ed. M\u00e9n\u011b rizikov\u00ed klienti si toti\u017e nejv\u00edce cen\u00ed sv\u00e9ho \u010dasu. Pokud jim proces zkomplikujete,\u00a0p\u0159ejdou na jin\u00e9 platebn\u00ed metody.\u00a0N\u00e1kup\u00a0odlo\u017e\u00ed, po\u010dkaj\u00ed na slevu nebo si ho rozmysl\u00ed \u00fapln\u011b.\u00a0<strong>Obchodn\u00edci\u00a0v tu\u00a0chv\u00edli p\u0159ich\u00e1zej\u00ed o vy\u0161\u0161\u00ed tr\u017eby i loajalitu nabytou d\u00edky BNPL n\u00e1stroj\u016fm<\/strong>. Naopak z\u016fst\u00e1vaj\u00ed lid\u00e9, kte\u0159\u00ed jsou ochotni podstoupit v\u011bt\u0161\u00ed administrativn\u00ed z\u00e1t\u011b\u017e, proto\u017ee nemaj\u00ed tolik alternativ. <strong>P\u0159\u00edsn\u011bj\u0161\u00ed regulace tak paradoxn\u011b nemus\u00ed kvalitu portfolia zlep\u0161it, ale zhor\u0161it<\/strong>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Regulace \u0159e\u0161\u00ed probl\u00e9m, kter\u00fd t\u00e9m\u011b\u0159 neexistuje<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ve ve\u0159ejn\u00e9 debat\u011b \u010dasto zazn\u00edv\u00e1 p\u0159edstava, \u017ee poskytovatel\u00e9 odlo\u017een\u00fdch plateb vyd\u011bl\u00e1vaj\u00ed na tom, kdy\u017e z\u00e1kazn\u00edci sv\u00e9 z\u00e1vazky nespl\u00e1cej\u00ed. Jen\u017ee evropsk\u00fd trh funguje \u00fapln\u011b jinak.&nbsp;Zast\u00e1nci tvrd\u0161\u00ed regulace se nej\u010dast\u011bji op\u00edraj\u00ed o zku\u0161enosti ze Spojen\u00fdch st\u00e1t\u016f, kde n\u011bkter\u00e9 studie&nbsp;upozor\u0148uj\u00ed na korelaci&nbsp;mezi vyu\u017e\u00edv\u00e1n\u00edm BNPL a hor\u0161\u00edm finan\u010dn\u00edm zdrav\u00edm \u010d\u00e1sti klient\u016f. Americk\u00fd a evropsk\u00fd trh ale nelze jednodu\u0161e srovn\u00e1vat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Evropsk\u00fd trh odlo\u017een\u00fdch plateb u\u017e dnes funguje velmi konzervativn\u011b a pat\u0159\u00ed mezi nejp\u0159\u00edsn\u011bji kontrolovan\u00e9 \u010d\u00e1sti spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed<\/strong>. N\u00edzk\u00e9 mar\u017ee nav\u00edc poskytovatel\u016fm neumo\u017e\u0148uj\u00ed experimentovat s rizikov\u011bj\u0161\u00edmi klienty nebo tolerovat vy\u0161\u0161\u00ed m\u00edru nespl\u00e1cen\u00ed.\u00a0Pr\u00e1v\u011b proto se nab\u00edz\u00ed ot\u00e1zka, zda CCD2 skute\u010dn\u011b \u0159e\u0161\u00ed probl\u00e9m, kter\u00fd evropsk\u00fd trh u\u017e d\u00e1vno nevy\u0159e\u0161il s\u00e1m.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Evropsk\u00e9 BNPL\u00a0toti\u017e\u00a0stoj\u00ed p\u0159edev\u0161\u00edm na poplatc\u00edch od obchodn\u00edk\u016f, nikoliv na p\u0159\u00edjmech od z\u00e1kazn\u00edk\u016f<\/strong>. Klient zpravidla neplat\u00ed \u017e\u00e1dn\u00fd \u00farok a poskytovatel m\u00e1 silnou motivaci vyb\u00edrat si kvalitn\u00ed klienty, proto\u017ee\u00a0poskytovatel BNPL nevyd\u011bl\u00e1v\u00e1 na d\u00e9lce spl\u00e1cen\u00ed ani na \u00faroc\u00edch, ale na tom, \u017ee z\u00e1kazn\u00edk n\u00e1kup\u00a0dokon\u010d\u00ed, korektn\u011b\u00a0uhrad\u00ed\u00a0a\u00a0obchodn\u00edk prod\u00e1.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Risk management\u00a0tak\u00a0nen\u00ed konkuren\u010dn\u00ed v\u00fdhodou, ale podm\u00ednkou fungov\u00e1n\u00ed cel\u00e9ho modelu.\u00a0U\u017e te\u010f\u00a0ve Skip\u00a0Pay\u00a0evidujeme pod\u00edl klient\u016f, kte\u0159\u00ed sv\u00e9 z\u00e1vazky hrad\u00ed se zpo\u017ed\u011bn\u00edm, hluboko pod jedn\u00edm procentem.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00da\u010det nakonec zaplat\u00edme my v\u0161ichni<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I proto, jak evropsk\u00fd BNPL trh&nbsp;funguje, nez\u016fstanou dopady nov\u00e9 regulace pouze na stran\u011b poskytovatel\u016f odlo\u017een\u00fdch plateb. Ve skute\u010dnosti se mohou propsat nap\u0159\u00ed\u010d celou e-commerce.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V p\u0159\u00edpad\u011b CCD2 nep\u016fjde jen o \u00fapravy obchodn\u00edch podm\u00ednek nebo nov\u00e9 pr\u00e1vn\u00ed dokumenty. <strong>Regulace zasahuje p\u0159\u00edmo do fungov\u00e1n\u00ed produkt\u016f, proces\u016f schvalov\u00e1n\u00ed i z\u00e1kaznick\u00e9 zku\u0161enosti.<\/strong> Fin\u00e1ln\u00ed n\u00e1klady p\u016fjdou do milion\u016f korun a podobn\u00e9 investice dnes realizuj\u00ed v\u0161ichni v\u00fdznamn\u00ed hr\u00e1\u010di na evropsk\u00e9m trhu. \u00da\u010det za regulaci tak nakonec nezaplat\u00ed pouze poskytovatel\u00e9, ale nep\u0159\u00edmo i obchodn\u00edci a z\u00e1kazn\u00edci.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Krok do nezn\u00e1ma<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ochrana spot\u0159ebitele je bezpochyby legitimn\u00ed c\u00edl a jen m\u00e1lokdo zpochyb\u0148uje pot\u0159ebu jasn\u00fdch pravidel. Ot\u00e1zkou ale z\u016fst\u00e1v\u00e1, zda CCD2&nbsp;v BNPL sektoru&nbsp;skute\u010dn\u011b m\u00ed\u0159\u00ed tam, kam m\u00e1.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dopad na jednotliv\u00e9 z\u00e1kazn\u00edky dnes je\u0161t\u011b nelze p\u0159esn\u011b vy\u010d\u00edslit. Dopady na cel\u00fd ekosyst\u00e9m u\u017e ale vid\u00edme pom\u011brn\u011b jasn\u011b. <strong>Vy\u0161\u0161\u00ed n\u00e1klady, slo\u017eit\u011bj\u0161\u00ed procesy a ni\u017e\u0161\u00ed konverze<\/strong> nezas\u00e1hnou pouze poskytovatele BNPL slu\u017eeb. Poc\u00edt\u00ed je obchodn\u00edci i z\u00e1kazn\u00edci, kte\u0159\u00ed si b\u011bhem posledn\u00edch let zvykli na rychl\u00fd a jednoduch\u00fd zp\u016fsob placen\u00ed.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odpov\u011b\u010f na to, zda CCD2 evropsk\u00fd trh skute\u010dn\u011b kultivovala, nebo zda jen prodra\u017eila slu\u017ebu, kter\u00e1 u\u017e dnes fungovala bezpe\u010dn\u011b a zodpov\u011bdn\u011b, na n\u00e1s ale \u010dek\u00e1 a\u017e v p\u0159\u00ed\u0161t\u00edm roce.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Evrop\u0161t\u00ed regul\u00e1to\u0159i \u010dasto \u0159e\u0161\u00ed \u201eciz\u00ed\u201c probl\u00e9my a bohu\u017eel se to t\u00fdk\u00e1 i nov\u00e9 sm\u011brnice CCD2. P\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro odlo\u017een\u00e9 platby maj\u00ed chr\u00e1nit spot\u0159ebitele, ve skute\u010dnosti ale dopadnou p\u0159edev\u0161\u00edm na produkty, kter\u00e9 u\u017e dnes pat\u0159\u00ed k nejbezpe\u010dn\u011bj\u0161\u00edm form\u00e1m kr\u00e1tkodob\u00e9ho financov\u00e1n\u00ed. M\u00edsto v\u011bt\u0161\u00ed ochrany tak m\u016f\u017ee Evropa z\u00edskat dra\u017e\u0161\u00ed, slo\u017eit\u011bj\u0161\u00ed a m\u00e9n\u011b dostupn\u00e9 slu\u017eby. <\/p>\n","protected":false},"author":36,"featured_media":12520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[58,122],"class_list":["post-12505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-b2b","tag-skip-pay","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regulace CCD2 m\u016f\u017ee po\u0161kodit ty, kter\u00e9 chce chr\u00e1nit\u00a0I Skip Pay<\/title>\n<meta name=\"description\" content=\"Regulace CCD2 m\u00e1 chr\u00e1nit spot\u0159ebitele, ve skute\u010dnosti ale dopadne na produkty, kter\u00e9 pat\u0159\u00ed k nejbezpe\u010dn\u011bj\u0161\u00edm form\u00e1m kr\u00e1tkodob\u00e9ho financov\u00e1n\u00ed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/regulace-ccd2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulace CCD2 m\u016f\u017ee po\u0161kodit ty, kter\u00e9 chce chr\u00e1nit\u00a0I Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Regulace CCD2 m\u00e1 chr\u00e1nit spot\u0159ebitele, ve skute\u010dnosti ale dopadne na produkty, kter\u00e9 pat\u0159\u00ed k nejbezpe\u010dn\u011bj\u0161\u00edm form\u00e1m kr\u00e1tkodob\u00e9ho financov\u00e1n\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/regulace-ccd2\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-25T07:19:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-25T07:19:26+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/skippay.cz\/blog\/wp-content\/uploads\/2026\/06\/Navrh-bez-nazvu-19.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1568\" \/>\n\t<meta property=\"og:image:height\" content=\"706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ond\u0159ej Slivka\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ond\u0159ej Slivka\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/regulace-ccd2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/regulace-ccd2\\\/\"},\"author\":{\"name\":\"Ond\u0159ej Slivka\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/a194741484cd29937b5279ccfae191e8\"},\"headline\":\"Konec BNPL v Evrop\u011b? 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