{"id":12565,"date":"2026-07-22T14:10:49","date_gmt":"2026-07-22T12:10:49","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=12565"},"modified":"2026-07-07T15:57:05","modified_gmt":"2026-07-07T13:57:05","slug":"co-je-ccd2","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/co-je-ccd2\/","title":{"rendered":"Co je CCD2 a jak zm\u011bn\u00ed odlo\u017een\u00e9 platby?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Odlo\u017een\u00e1 platba se\u00a0stala b\u011b\u017enou sou\u010d\u00e1st\u00ed online nakupov\u00e1n\u00ed. Z\u00e1kazn\u00edk si zbo\u017e\u00ed objedn\u00e1, nejd\u0159\u00edv si ho v klidu prohl\u00e9dne a a\u017e pozd\u011bji zaplat\u00ed. Od listopadu 2026 se ale pravidla pro \u201eBuy Now, Pay Later\u201c (BNPL) produkty \u010d\u00e1ste\u010dn\u011b zm\u011bn\u00ed. Nov\u00e1 evropsk\u00e1 sm\u011brnice CCD2 p\u0159in\u00e1\u0161\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed po\u017eadavky na ov\u011b\u0159ov\u00e1n\u00ed \u00fav\u011bruschopnosti, kter\u00e9 maj\u00ed chr\u00e1nit spot\u0159ebitele.\u00a0Je ale taky dost mo\u017en\u00e9, \u017ee po\u0161kod\u00ed pr\u00e1v\u011b ty, kter\u00e9 chce chr\u00e1nit.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co je CCD2<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jako CCD2 se ozna\u010duje&nbsp;Consumer&nbsp;Credit&nbsp;Directive&nbsp;2, tedy nov\u00e1 evropsk\u00e1 sm\u011brnice o spot\u0159ebitelsk\u00fdch \u00fav\u011brech. Ta nahrazuje star\u0161\u00ed pravidla, kter\u00e1 vznikala v dob\u011b, kdy online nakupov\u00e1n\u00ed, <a href=\"https:\/\/skippay.cz\/blog\/nejlepsi-financni-aplikace\/\">mobiln\u00ed aplikace<\/a> a platebn\u00ed metoda&nbsp;BNPL&nbsp;\u201eKup te\u010f, zapla\u0165 pozd\u011bji\u201c nebyly zdaleka tak roz\u0161\u00ed\u0159en\u00e9 jako dnes.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropsk\u00e1 unie chce novou \u00fapravou reagovat na prom\u011bnu trhu. Lid\u00e9 dnes sjedn\u00e1vaj\u00ed finan\u010dn\u00ed slu\u017eby rychleji, \u010dasto online a b\u011bhem n\u011bkolika kliknut\u00ed. CCD2 proto klade v\u011bt\u0161\u00ed d\u016fraz na transparentnost, odpov\u011bdn\u00e9 poskytov\u00e1n\u00ed \u00fav\u011br\u016f a ochranu p\u0159ed p\u0159edlu\u017een\u00edm.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>ODKDY PLAT\u00cd CCD2<br><br>CCD2 za\u010dne v Evrop\u011b platit od <strong>20. listopadu 2026<\/strong>. V \u010cesk\u00e9 republice se \u00fa\u010dinnost regulace nejsp\u00ed\u0161 posune a\u017e na \u00fanor 2027.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010d se CCD2 t\u00fdk\u00e1 i odlo\u017een\u00fdch plateb<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank\" rel=\"noreferrer noopener\">Odlo\u017een\u00e1&nbsp;platba<\/a>&nbsp;a&nbsp;dal\u0161\u00ed&nbsp;BNPL slu\u017eby&nbsp;(nap\u0159.&nbsp;<a href=\"https:\/\/skippay.cz\/blog\/4-tipy-jak-si-zjednodusit-nakupy\/\">n\u00e1kup<\/a> Na T\u0159etinu)&nbsp;z\u00e1kazn\u00edkovi umo\u017e\u0148uj\u00ed nakoupit hned, ale zaplatit pozd\u011bji. N\u011bkdy jde o jednor\u00e1zov\u00fd odklad, jindy o rozlo\u017een\u00ed platby do n\u011bkolika \u010d\u00e1st\u00ed. A p\u0159esto\u017ee z\u00e1kazn\u00edk&nbsp;vyu\u017eit\u00ed t\u00e9to slu\u017eby&nbsp;\u010dasto nevn\u00edm\u00e1 jako klasickou p\u016fj\u010dku, z pohledu nov\u00e9 regulace jde o formu spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CCD2&nbsp;ru\u0161\u00ed&nbsp;v\u00fdjimky pro mal\u00e9 a bez\u00faro\u010dn\u00e9 \u00fav\u011bry, tak\u017ee poskytovatel\u00e9 odlo\u017een\u00fdch&nbsp;a rozlo\u017een\u00fdch&nbsp;plateb&nbsp;budou muset u z\u00e1kazn\u00edk\u016f d\u016fkladn\u011bji posuzovat jejich \u00fav\u011bruschopnost.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co se re\u00e1ln\u011b zm\u011bn\u00ed p\u0159i\u00a0BNPL n\u00e1kupu<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V praxi se zm\u011bna projev\u00ed hlavn\u011b v pr\u016fb\u011bhu n\u00e1kupu, kdy poskytovatel\u00a0slu\u017eby\u00a0bude muset\u00a0d\u016fkladn\u011bji\u00a0posoudit,\u00a0zda\u00a0je\u00a0pro z\u00e1kazn\u00edka odlo\u017een\u00ed platby bezpe\u010dn\u00e9\u00a0a jestli z\u00e1vazky zvl\u00e1dne bez probl\u00e9m\u016f splatit.\u00a0\u00a0<br>\u00a0<br>Z\u00e1kazn\u00edk se tak p\u0159i vyu\u017eit\u00ed slu\u017eby setk\u00e1 t\u0159eba s:\u00a0\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ov\u011b\u0159en\u00edm\u00a0\u00fav\u011bruschopnosti,\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00fdzvou k\u00a0dopln\u011bn\u00ed\u00a0\u00fadaj\u016f pot\u0159ebn\u00fdch k posouzen\u00ed \u017e\u00e1dosti,\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00edce kroky p\u0159ed\u00a0dokon\u010den\u00edm objedn\u00e1vky,\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u011bt\u0161\u00edm\u00a0d\u016frazem\u00a0na\u00a0zodpov\u011bdn\u00e9\u00a0vyu\u017e\u00edv\u00e1n\u00ed odlo\u017een\u00e9\/rozlo\u017een\u00e9 platby.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010d m\u016f\u017ee b\u00fdt p\u0159\u00edsn\u011bj\u0161\u00ed ov\u011b\u0159ov\u00e1n\u00ed probl\u00e9m<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Podle\u00a0na\u0161ich dat\u00a0se p\u0159i dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, v\u00fddaj\u016f nebo dal\u0161\u00edch\u00a0informac\u00ed\u00a0motivace k dokon\u010den\u00ed n\u00e1kupu\u00a0BNPL metodou\u00a0propad\u00e1 na osminu a\u017e jeden\u00e1ctinu p\u016fvodn\u00ed \u00farovn\u011b. Jin\u00fdmi slovy,<strong> z deseti z\u00e1kazn\u00edk\u016f, kte\u0159\u00ed by dnes n\u00e1kup pohodln\u011b dokon\u010dili, m\u016f\u017ee po zaveden\u00ed slo\u017eit\u011bj\u0161\u00edho procesu z\u016fstat jen jeden<\/strong>.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zm\u011bna se&nbsp;tak&nbsp;prom\u00edtne&nbsp;i&nbsp;do fungov\u00e1n\u00ed e-shop\u016f. BNPL obchodn\u00edk\u016fm pom\u00e1h\u00e1 ve chv\u00edli, kdy si z\u00e1kazn\u00edk chce zbo\u017e\u00ed nejd\u0159\u00edv vyzkou\u0161et,&nbsp;s platbou&nbsp;po\u010dkat na v\u00fdplatu nebo si&nbsp;rozlo\u017eit v\u00fddaj v \u010dase.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pokud se z jednoduch\u00e9 platebn\u00ed metody stane administrativn\u011b n\u00e1ro\u010dn\u00fd proces, z\u00e1kazn\u00edk m\u016f\u017ee&nbsp;zvolit jinou platebn\u00ed metodu,&nbsp;ale taky&nbsp;n\u00e1kup odlo\u017eit&nbsp;nebo si objedn\u00e1vku rozmyslet \u00fapln\u011b.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Regulace m\u00e1 chr\u00e1nit, ale m\u016f\u017ee m\u00edt i opa\u010dn\u00fd efekt<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sm\u011br\u00a0<a href=\"https:\/\/skippay.cz\/blog\/regulace-ccd2\/?\" target=\"_blank\" rel=\"noreferrer noopener\">CCD2<\/a>\u00a0je v z\u00e1sad\u011b spr\u00e1vn\u00fd, proto\u017ee\u00a0chce\u00a0chr\u00e1nit spot\u0159ebitele. Ot\u00e1zkou ale z\u016fst\u00e1v\u00e1, jestli\u00a0m\u00e1 smysl\u00a0uplat\u0148ovat stejn\u00e1 pravidla na r\u016fzn\u00e9 typy produkt\u016f. Odlo\u017een\u00e1 platba\u00a0nebo T\u0159etina\u00a0na rozd\u00edl\u00a0od klasick\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru\u00a0<strong>stoj\u00ed na jednoduchosti, transparentnosti, rychl\u00e9m sjedn\u00e1n\u00ed a nulov\u00e9m nav\u00fd\u0161en\u00ed<\/strong> v p\u0159\u00edpad\u011b v\u010dasn\u00e9ho splacen\u00ed.\u00a0<br>\u00a0<br><strong>Evropsk\u00fd model BNPL\u00a0nen\u00ed zalo\u017een na tom, \u017ee by\u00a0jeho\u00a0poskytovatel\u00e9 vyd\u011bl\u00e1vali na nespl\u00e1cen\u00ed nebo na \u00faroc\u00edch od z\u00e1kazn\u00edk\u016f.\u00a0Finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00a0tady\u00a0p\u0159eb\u00edraj\u00ed obchodn\u00edci, kte\u0159\u00ed poskytovatel\u016fm odlo\u017een\u00fdch plateb plat\u00ed\u00a0za jejich vyu\u017eit\u00ed\u00a0provize<\/strong> (stejn\u011b jako nap\u0159. karetn\u00edm spole\u010dnostem).\u00a0\u00a0<br>\u00a0<br>Poskytovatel\u00e9\u00a0proto cht\u011bj\u00ed, aby jejich\u00a0slu\u017eby vyu\u017e\u00edvali p\u0159edev\u0161\u00edm klienti, kte\u0159\u00ed sv\u00e9 z\u00e1vazky \u0159\u00e1dn\u011b spl\u00e1c\u00ed a cel\u00fd proces prob\u00edh\u00e1 bez probl\u00e9m\u016f. P\u0159\u00edsn\u011bj\u0161\u00ed pravidla tak mohou paradoxn\u011b odradit hlavn\u011b spolehliv\u00e9 z\u00e1kazn\u00edky, kte\u0159\u00ed si cen\u00ed sv\u00e9ho \u010dasu a maj\u00ed jin\u00e9 mo\u017enosti placen\u00ed. Ti rizikov\u011bj\u0161\u00ed naopak b\u00fdvaj\u00ed ochotni podstoupit slo\u017eit\u011bj\u0161\u00ed proces, proto\u017ee tolik alternativ nemaj\u00ed.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Odlo\u017een\u00e1 platba nen\u00ed klasick\u00e1 p\u016fj\u010dka<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">U b\u011b\u017en\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru z\u00e1kazn\u00edk \u010dasto spl\u00e1c\u00ed\u00a0p\u016fj\u010dku\u00a0del\u0161\u00ed dobu a plat\u00ed\u00a0z n\u00ed\u00a0\u00farok. Odlo\u017een\u00e1 platba funguje jinak.\u00a0\u00a0<br>\u00a0<br>Z\u00e1kazn\u00edk m\u016f\u017ee zaplatit a\u017e pot\u00e9, co m\u00e1 zbo\u017e\u00ed doma\u00a0a v\u00ed, \u017ee si ho chce nechat.<strong> U Skip\u00a0Pay\u00a0m\u00e1 na prohl\u00e9dnut\u00ed a vyzkou\u0161en\u00ed a\u017e 30 dn\u00ed a ned\u00e1 za to ani korunu nav\u00edc<\/strong>. V p\u0159\u00edpad\u011b T\u0159etiny\u00a0si n\u00e1kup rozlo\u017e\u00ed na t\u0159i\u00a0bez\u00faro\u010dn\u00e9\u00a0\u010d\u00e1sti.\u00a0\u00a0<br>\u00a0<br>D\u00edky tomu m\u00e1 lep\u0161\u00ed kontrolu nad\u00a0sv\u00fdmi n\u00e1kupy a platbami. Nemus\u00ed platit p\u0159edem za zbo\u017e\u00ed, kter\u00e9 mu nakonec nebude vyhovovat, a z\u00e1rove\u0148 si m\u016f\u017ee <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a>\u00a0l\u00e9pe rozlo\u017eit v \u010dase.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b tato jednoduchost je d\u016fvodem, pro\u010d se BNPL slu\u017eby v e-commerce\u00a0rychle roz\u0161\u00ed\u0159ily. Pro z\u00e1kazn\u00edky p\u0159edstavuj\u00ed pohodln\u00fd zp\u016fsob placen\u00ed, pro obchodn\u00edky zase n\u00e1stroj, kter\u00fd\u00a0zvy\u0161uje po\u010det\u00a0dokon\u010den\u00fdch objedn\u00e1vek i spokojenost nakupuj\u00edc\u00edch.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak na zm\u011bnu reaguje Skip\u00a0Pay<\/strong>\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ve\u00a0<a href=\"https:\/\/skippay.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Skip Pay<\/a>\u00a0si dlouhodob\u011b zakl\u00e1d\u00e1me\u00a0na jednoduchosti, transparentnosti a odpov\u011bdn\u00e9mu\u00a0p\u0159\u00edstupu k riziku. Stejn\u011b tak\u00a0poskytujeme\u00a0spot\u0159ebiteli maxim\u00e1ln\u00ed ochranu. U BNPL slu\u017eeb ale m\u016f\u017ee p\u0159\u00edli\u0161 tvrd\u00fd postup dopadnout pr\u00e1v\u011b na z\u00e1kazn\u00edky, kter\u00fdm by m\u011bla regulace pomoci.\u00a0\u00a0<br>\u00a0<br><a href=\"https:\/\/skippay.cz\/blog\/regulace-ccd2\/\">Na novou regulaci<\/a> se proto p\u0159ipravujeme s p\u0159edstihem. Upravujeme st\u00e1vaj\u00edc\u00ed produkty i procesy tak, abychom minimalizovali dopady na z\u00e1kaznickou zku\u0161enost. A to jak v \u010cesku, tak i v dal\u0161\u00edch zem\u00edch, kde p\u016fsob\u00edme.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>CCD2 je nov\u00e1 evropsk\u00e1 sm\u011brnice, kter\u00e1 ru\u0161\u00ed v\u00fdjimky pro mal\u00e9 a bez\u00faro\u010dn\u00e9 \u00fav\u011bry a odlo\u017een\u00e9 platby tak vn\u00edm\u00e1 jako formu spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed. Regulace klade v\u011bt\u0161\u00ed d\u016fraz na odpov\u011bdn\u00e9 poskytov\u00e1n\u00ed odlo\u017een\u00fdch plateb a poskytovatel\u00e9 budou muset d\u016fkladn\u011bji posuzovat \u00fav\u011bruschopnost z\u00e1kazn\u00edk\u016f. Pro ty to m\u016f\u017ee znamenat jasn\u011bj\u0161\u00ed pravidla a vy\u0161\u0161\u00ed ochranu, ale tak\u00e9 del\u0161\u00ed nebo slo\u017eit\u011bj\u0161\u00ed n\u00e1kupn\u00ed proces. A\u017e praxe uk\u00e1\u017ee, jestli nov\u00e1 regulace evropsk\u00fd BNPL trh skute\u010dn\u011b zlep\u0161\u00ed, nebo sp\u00ed\u0161 zkomplikuje slu\u017ebu, kter\u00e1 u\u017e dnes funguje bezpe\u010dn\u011b a v z\u00e1kladu bez \u00farok\u016f.<\/p>\n","protected":false},"author":41,"featured_media":12566,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,21,122],"class_list":["post-12565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-platebni-metody","tag-skip-pay","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Co je CCD2 a jak zm\u011bn\u00ed odlo\u017een\u00e9 platby?\u00a0 - Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz<\/title>\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\/co-je-ccd2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co je CCD2 a jak zm\u011bn\u00ed odlo\u017een\u00e9 platby?\u00a0 - Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"og:description\" content=\"CCD2 je nov\u00e1 evropsk\u00e1 sm\u011brnice, kter\u00e1 ru\u0161\u00ed v\u00fdjimky pro mal\u00e9 a bez\u00faro\u010dn\u00e9 \u00fav\u011bry a odlo\u017een\u00e9 platby tak vn\u00edm\u00e1 jako formu spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed. 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