{"id":46896,"date":"2025-11-22T10:02:19","date_gmt":"2025-11-22T10:02:19","guid":{"rendered":"https:\/\/www.theconservative.online\/evropa-zprisnuje-pravidla-pro-nakup-ted-zaplat-pozdeji-co-znamena-reforma-z-roku-2026-pro-spotrebitele-a-platformy"},"modified":"2025-11-22T10:02:19","modified_gmt":"2025-11-22T10:02:19","slug":"evropa-zprisnuje-pravidla-pro-nakup-ted-zaplat-pozdeji-co-znamena-reforma-z-roku-2026-pro-spotrebitele-a-platformy","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/cs\/evropa-zprisnuje-pravidla-pro-nakup-ted-zaplat-pozdeji-co-znamena-reforma-z-roku-2026-pro-spotrebitele-a-platformy","title":{"rendered":"Evropa zp\u0159\u00eds\u0148uje pravidla pro n\u00e1kup te\u010f, zapla\u0165 pozd\u011bji: Co znamen\u00e1 reforma z roku 2026 pro spot\u0159ebitele a platformy?"},"content":{"rendered":"<h2>Rozv\u00edjej\u00edc\u00ed se trh \u010del\u00ed z\u00e1sadn\u00edm regula\u010dn\u00edm zm\u011bn\u00e1m, proto\u017ee EU zav\u00e1d\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed normy transparentnosti, kontroly solventnosti a jednotn\u00e9 povinnosti pro poskytovatele spl\u00e1tek.<\/h2>\n<p>Kup te\u010f, zapla\u0165 pozd\u011bji (BNPL) se v It\u00e1lii rychle zabydlel ve spot\u0159ebitelsk\u00fdch zvyklostech a odr\u00e1\u017e\u00ed trendy, kter\u00e9 lze pozorovat ve v\u011bt\u0161in\u011b Evropy. To, co zpo\u010d\u00e1tku p\u0159edstavovalo v\u00fdklenkovou mo\u017enost vyu\u017e\u00edvanou p\u0159edev\u0161\u00edm digit\u00e1ln\u011b zdatn\u00fdmi z\u00e1kazn\u00edky, se vyvinulo v mainstreamovou platebn\u00ed metodu, kter\u00e1 je p\u0159ij\u00edm\u00e1na nap\u0159\u00ed\u010d generacemi. P\u0159ita\u017elivost je jasn\u00e1: rychl\u00e9 schv\u00e1len\u00ed, \u017e\u00e1dn\u00e9 \u00faroky a mo\u017enost rozd\u011blit mal\u00e9 n\u00e1kupy do p\u0159ijateln\u00fdch spl\u00e1tek. P\u0159esto se situace brzy v\u00fdrazn\u011b zm\u011bn\u00ed. Nov\u00e1 sm\u011brnice EU, kter\u00e1 m\u00e1 b\u00fdt p\u0159ijata do 20. listopadu leto\u0161n\u00edho roku a vymahateln\u00e1 od 20. listopadu 2026, zavede p\u0159\u00edsn\u011bj\u0161\u00ed regula\u010dn\u00ed r\u00e1mec, kter\u00fd p\u0159etvo\u0159\u00ed ochranu spot\u0159ebitel\u016f i povinnosti poskytovatel\u016f.    <\/p>\n<h3>P\u0159\u00edsn\u011bj\u0161\u00ed regulace<\/h3>\n<p>J\u00e1drem reformy je nov\u00e9 vymezen\u00ed toho, co se pova\u017euje za \u00fav\u011br BNPL a co za spot\u0159ebitelsk\u00fd \u00fav\u011br. Dnes je hranice stanovena na 90 dn\u00ed: spl\u00e1tkov\u00e9 pl\u00e1ny krat\u0161\u00ed ne\u017e tato hranice se pova\u017euj\u00ed za BNPL, zat\u00edmco del\u0161\u00ed pl\u00e1ny spadaj\u00ed pod pravidla spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Podle nov\u00e9 sm\u011brnice se v\u0161ak tato hranice drasticky sn\u00ed\u017e\u00ed na 50 dn\u00ed pro n\u00e1kupy v obchod\u011b a pouh\u00fdch 14 dn\u00ed pro online transakce.  <\/p><div class='related_content'><span>RELATED<\/span><ul><li><a href='https:\/\/www.theconservative.online\/cs\/andalusie-ukazuje-spanelske-pravici-cestu-vpred-na-mape-politickych-stran-je-vsak-prazdne-misto'>Andalusie ukazuje \u0161pan\u011blsk\u00e9 pravici cestu vp\u0159ed. Na map\u011b politick\u00fdch stran je v\u0161ak pr\u00e1zdn\u00e9 m\u00edsto<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/italske-zemedelstvi-jako-strategicka-paka-pro-made-in-italy-a-evropskou-suverenitu'>Italsk\u00e9 zem\u011bd\u011blstv\u00ed jako strategick\u00e1 p\u00e1ka pro Made in Italy a evropskou suverenitu<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/island-prehoupnete-se-doprava'>Island: P\u0159ehoupn\u011bte se doprava<\/li><\/a><\/ul><\/div>\n<p>Tato zm\u011bna m\u00e1 okam\u017eit\u00e9 d\u016fsledky. Platformy, jako jsou Klarna, Scalapay a PayPal, kter\u00e9 b\u011b\u017en\u011b nab\u00edzej\u00ed 60denn\u00ed lh\u016fty pro spl\u00e1cen\u00ed, budou muset dodr\u017eovat p\u0159edpisy o spot\u0159ebitelsk\u00fdch \u00fav\u011brech. Ty zahrnuj\u00ed podrobn\u00e9 p\u0159edsmluvn\u00ed informace a povinn\u00e9 posouzen\u00ed schopnosti z\u00e1kazn\u00edka spl\u00e1cet. Jin\u00fdmi slovy, poskytovatel\u00e9 BNPL budou brzy podl\u00e9hat povinnostem podobn\u00fdm t\u011bm, kter\u00e9 jsou tradi\u010dn\u011b ukl\u00e1d\u00e1ny bank\u00e1m a finan\u010dn\u00edm instituc\u00edm.   <\/p>\n<h3>Pos\u00edlen\u00ed ochrany &#8211; ale za jakou cenu?<\/h3>\n<p>C\u00edlem nov\u00fdch pravidel je zv\u00fd\u0161it transparentnost a sn\u00ed\u017eit riziko, \u017ee se spot\u0159ebitel\u00e9 zadlu\u017e\u00ed tak, \u017ee to nezvl\u00e1dnou. To sice zvy\u0161uje ochranu, ale z\u00e1rove\u0148 nut\u00ed spole\u010dnosti BNPL p\u0159epracovat vnit\u0159n\u00ed procesy, pos\u00edlit kontroly solventnosti a standardizovat informace ve v\u0161ech nab\u00eddk\u00e1ch. Panuj\u00ed obavy, \u017ee tyto vy\u0161\u0161\u00ed n\u00e1klady na dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f by se nakonec mohly p\u0159en\u00e9st na spot\u0159ebitele a naru\u0161it tak v\u00fdhodu nulov\u00e9ho \u00faroku, kter\u00e1 podpo\u0159ila \u00fasp\u011bch BNPL.  <\/p>\n<p>Na\u010dasov\u00e1n\u00ed je rozhoduj\u00edc\u00ed. Trh BNPL v It\u00e1lii roste z\u00e1vratnou rychlost\u00ed: podle v\u00fdzkumu Politecnico di Milano se objem transakc\u00ed vy\u0161plhal z 0,4 miliardy eur v roce 2020 na 6,8 miliardy eur v roce 2024. R\u016fst pokra\u010duje i v roce 2025, kdy spole\u010dnost Crif hl\u00e1s\u00ed 28% n\u00e1r\u016fst v prvn\u00ed polovin\u011b roku. Takov\u00e1 expanze odr\u00e1\u017e\u00ed nejen zv\u00fd\u0161en\u00e9 vyu\u017e\u00edv\u00e1n\u00ed, ale tak\u00e9 roz\u0161i\u0159uj\u00edc\u00ed se demografickou z\u00e1kladnu. Star\u0161\u00ed spot\u0159ebitel\u00e9, kte\u0159\u00ed se kdysi digit\u00e1ln\u00edch financ\u00ed ob\u00e1vali, se p\u0159ipojili k mlad\u0161\u00edm generac\u00edm a p\u0159ijali BNPL. Zvl\u00e1\u0161t\u011b pozoruhodn\u00fd je n\u00e1r\u016fst u\u017eivatel\u016f bez p\u0159edchoz\u00ed \u00fav\u011brov\u00e9 historie, kte\u0159\u00ed nyn\u00ed tvo\u0159\u00ed p\u0159ibli\u017en\u011b 17 % z\u00e1kazn\u00edk\u016f BNPL &#8211; co\u017e je t\u00e9m\u011b\u0159 dvojn\u00e1sobek pod\u00edlu zaznamenan\u00e9ho u tradi\u010dn\u00edch mal\u00fdch p\u016fj\u010dek.     <\/p>\n<h3>P\u0159izp\u016fsoben\u00ed platforem: Del\u0161\u00ed term\u00edny a hybridn\u00ed modely<\/h3>\n<p>Hlavn\u00ed poskytovatel\u00e9 BNPL ji\u017e upravuj\u00ed sv\u00e9 strategie, aby se p\u0159ipravili na nov\u00e9 regula\u010dn\u00ed prost\u0159ed\u00ed a udr\u017eeli si konkurenceschopnost. Spole\u010dnost PayPal zavedla spl\u00e1tkov\u00e9 pl\u00e1ny na dobu a\u017e 24 m\u011bs\u00edc\u016f s \u00farokov\u00fdmi sazbami, kter\u00e9 se li\u0161\u00ed podle d\u00e9lky splatnosti. Spole\u010dnost Klarna nyn\u00ed nab\u00edz\u00ed \u0161estim\u011bs\u00ed\u010dn\u00ed a dvan\u00e1ctim\u011bs\u00ed\u010dn\u00ed varianty v\u00e1zan\u00e9 na v\u00fd\u0161i n\u00e1kupu. Spole\u010dnost Scalapay, podporovan\u00e1 partnerstv\u00edm s Deutsche Bank, poskytuje pl\u00e1ny a\u017e na 36 m\u011bs\u00edc\u016f, n\u011bkdy bez\u00faro\u010dn\u00e9 a n\u011bkdy se \u0159\u00edd\u00ed smlouvami sjednan\u00fdmi p\u0159\u00edmo s obchodn\u00edky. Tento v\u00fdvoj signalizuje postupn\u00fd posun k hybridn\u00edm model\u016fm, kter\u00e9 se st\u00e1le v\u00edce podobaj\u00ed konven\u010dn\u00edmu financov\u00e1n\u00ed.    <\/p>\n<h3>Tradi\u010dn\u00ed alternativy si dr\u017e\u00ed svou pozici<\/h3>\n<p>Navzdory vzestupu BNPL z\u016fst\u00e1vaj\u00ed tradi\u010dn\u00ed n\u00e1stroje financov\u00e1n\u00ed pevn\u011b v platnosti. Ve velk\u00fdch maloobchodn\u00edch \u0159et\u011bzc\u00edch se st\u00e1le hojn\u011b vyu\u017e\u00edvaj\u00ed p\u016fj\u010dky s nulov\u00fdm \u00farokem na n\u00e1kupy velk\u00fdch polo\u017eek, kter\u00e9 spot\u0159ebitel\u016fm poskytuj\u00ed p\u0159edv\u00eddateln\u00e9 podm\u00ednky spl\u00e1cen\u00ed bez dodate\u010dn\u00fdch n\u00e1klad\u016f. Jin\u00e1 \u0159e\u0161en\u00ed kladou d\u016fraz na jednoduchost a dostupnost: PagoDil, vyvinut\u00fd spole\u010dnost\u00ed Cofidis, umo\u017e\u0148uje z\u00e1kazn\u00edk\u016fm rozd\u011blit platby a\u017e do v\u00fd\u0161e 5 000 EUR do m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek bez dal\u0161\u00edch poplatk\u016f, a to pomoc\u00ed zjednodu\u0161en\u00e9ho schvalovac\u00edho procesu zalo\u017een\u00e9ho na okam\u017eit\u00e9m ov\u011b\u0159en\u00ed dokument\u016f. Podobn\u011b spole\u010dnost Agos nab\u00edz\u00ed kartu Agospay Zero, kter\u00e1 umo\u017e\u0148uje rozlo\u017eit v\u00fddaje nad 500 EUR do deseti m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek bez \u00faroku, krom\u011b mal\u00e9ho poplatku za spr\u00e1vu.   <\/p>\n<h3>Pochopen\u00ed rizik<\/h3>\n<p>I kdy\u017e jsou na obzoru p\u0159\u00edsn\u011bj\u0161\u00ed p\u0159edpisy, nejv\u011bt\u0161\u00ed riziko spojen\u00e9 s BNPL spo\u010d\u00edv\u00e1 v chov\u00e1n\u00ed u\u017eivatel\u016f. Mnoz\u00ed spot\u0159ebitel\u00e9 vn\u00edmaj\u00ed BNPL jako &#8222;lehkou&#8220; formu \u00fav\u011bru a zapom\u00ednaj\u00ed, \u017ee n\u011bkolik mal\u00fdch z\u00e1vazk\u016f se m\u016f\u017ee rychle nahromadit. To plat\u00ed zejm\u00e9na pro mlad\u0161\u00ed u\u017eivatele, kte\u0159\u00ed si mohou aktivovat n\u011bkolik spl\u00e1tkov\u00fdch pl\u00e1n\u016f, ani\u017e by m\u011bli jasnou p\u0159edstavu o sv\u00e9m celkov\u00e9m nesplacen\u00e9m dluhu. Samy spole\u010dnosti BNPL tento probl\u00e9m st\u00e1le v\u00edce uzn\u00e1vaj\u00ed: nekontrolovan\u00e9 vrstven\u00ed spl\u00e1tkov\u00fdch pl\u00e1n\u016f m\u016f\u017ee v\u00e9st k rostouc\u00edmu finan\u010dn\u00edmu riziku.   <\/p>\n<p>C\u00edlem p\u0159ipravovan\u00e9 sm\u011brnice EU je takov\u00fdm situac\u00edm p\u0159edch\u00e1zet t\u00edm, \u017ee poskytovatel\u00e9 i spot\u0159ebitel\u00e9 budou m\u00edt jasn\u011bj\u0161\u00ed p\u0159edstavu o povinnostech spl\u00e1cet. V\u010dasn\u00fd z\u00e1sah &#8211; a\u0165 u\u017e prost\u0159ednictv\u00edm revize rozpo\u010dtu, \u00fapravy platebn\u00edch podm\u00ednek nebo podpory ze strany poskytovatel\u016f slu\u017eeb &#8211; bude z\u00e1sadn\u00ed, kdy\u017e spl\u00e1tky za\u010dnou siln\u011b zat\u011b\u017eovat finance dom\u00e1cnosti. <\/p>\n<p>S bl\u00ed\u017e\u00edc\u00edm se rokem 2026 se evropsk\u00fd ekosyst\u00e9m BNPL p\u0159ipravuje na transformaci. Trh pravd\u011bpodobn\u011b z\u016fstane dynamick\u00fd, ale jeho dal\u0161\u00ed f\u00e1ze bude vy\u017eadovat v\u011bt\u0161\u00ed odpov\u011bdnost, transparentnost a informovanost jak od spole\u010dnost\u00ed, kter\u00e9 jej utv\u00e1\u0159ej\u00ed, tak od spot\u0159ebitel\u016f, kte\u0159\u00ed na n\u011bj spol\u00e9haj\u00ed. <\/p>\n<p>&nbsp;<\/p>\n<h4>Alessandro Fiorentino<\/h4>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Rozv\u00edjej\u00edc\u00ed se trh \u010del\u00ed z\u00e1sadn\u00edm regula\u010dn\u00edm zm\u011bn\u00e1m, proto\u017ee EU zav\u00e1d\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed normy transparentnosti, kontroly solventnosti a jednotn\u00e9 povinnosti pro poskytovatele spl\u00e1tek. Kup te\u010f, zapla\u0165 pozd\u011bji (BNPL) se v It\u00e1lii rychle zabydlel ve spot\u0159ebitelsk\u00fdch zvyklostech a odr\u00e1\u017e\u00ed trendy, kter\u00e9 lze pozorovat ve v\u011bt\u0161in\u011b Evropy. To, co zpo\u010d\u00e1tku p\u0159edstavovalo v\u00fdklenkovou mo\u017enost vyu\u017e\u00edvanou p\u0159edev\u0161\u00edm digit\u00e1ln\u011b zdatn\u00fdmi z\u00e1kazn\u00edky, se [&hellip;]<\/p>\n","protected":false},"author":75,"featured_media":46717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150],"tags":[2183,2179,2718,2178,2721,2722,2719,2716,2715,2723,2717,2720,250,237,215,247,270,268,283,316,599,146,252,282],"editorial-positions":[],"regions":[328,339,344,356,364,404],"types":[415,449,423],"class_list":["post-46896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchod-a-ekonomika","tag-acquisti","tag-commercio","tag-dilazionare","tag-ecommerce","tag-karna","tag-klarna","tag-pagamanti","tag-pagamento","tag-pay","tag-paypal","tag-rate","tag-rateizzare","tag-economy","tag-energy","tag-eu","tag-eu-council","tag-europa","tag-europe","tag-european-commission","tag-european-parliament","tag-european-union","tag-politics","tag-technology","tag-ursula-von-der-leyen","regions-central-europe-cs","regions-eastern-europe-cs","regions-northern-europe-cs","regions-southern-europe-cs","regions-western-europe-cs","regions-world-cs","types-news-cs","types-opinion-cs","types-polls-cs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Evropa zp\u0159\u00eds\u0148uje pravidla pro n\u00e1kup te\u010f, zapla\u0165 pozd\u011bji: Co znamen\u00e1 reforma z roku 2026 pro spot\u0159ebitele a platformy? - The Conservative<\/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:\/\/www.theconservative.online\/cs\/evropa-zprisnuje-pravidla-pro-nakup-ted-zaplat-pozdeji-co-znamena-reforma-z-roku-2026-pro-spotrebitele-a-platformy\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Evropa zp\u0159\u00eds\u0148uje pravidla pro n\u00e1kup te\u010f, zapla\u0165 pozd\u011bji: Co znamen\u00e1 reforma z roku 2026 pro spot\u0159ebitele a platformy? - The Conservative\" \/>\n<meta property=\"og:description\" content=\"Rozv\u00edjej\u00edc\u00ed se trh \u010del\u00ed z\u00e1sadn\u00edm regula\u010dn\u00edm zm\u011bn\u00e1m, proto\u017ee EU zav\u00e1d\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed normy transparentnosti, kontroly solventnosti a jednotn\u00e9 povinnosti pro poskytovatele spl\u00e1tek. Kup te\u010f, zapla\u0165 pozd\u011bji (BNPL) se v It\u00e1lii rychle zabydlel ve spot\u0159ebitelsk\u00fdch zvyklostech a odr\u00e1\u017e\u00ed trendy, kter\u00e9 lze pozorovat ve v\u011bt\u0161in\u011b Evropy. 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