{"id":2587,"date":"2025-06-25T13:04:09","date_gmt":"2025-06-25T10:04:09","guid":{"rendered":"https:\/\/eurasialaw-journal.ru\/?p=2587"},"modified":"2025-06-25T13:04:24","modified_gmt":"2025-06-25T10:04:24","slug":"regulation-and-the-prospect-of-developing-a-buy-now-pay-later","status":"publish","type":"post","link":"https:\/\/eurasialaw-journal.ru\/en\/regulation-and-the-prospect-of-developing-a-buy-now-pay-later.html","title":{"rendered":"REGULATION AND THE PROSPECT OF DEVELOPING A \u00abBUY NOW, PAY LATER\u00bb SERVICE (BNPL) IN RUSSIA"},"content":{"rendered":"

REGULATION AND THE PROSPECT OF DEVELOPING A \u00abBUY NOW, PAY LATER\u00bb SERVICE (BNPL) IN RUSSIA<\/h1>\r\n
\r\n

\u2116 4 (203) 2025<\/strong><\/p>\r\n

DOI 10.46320\/2073-4506-2025-4-203-275-276<\/strong><\/p>\r\n

Pages 275-276<\/strong><\/p>\r\n

MAKARCHUK Zlata Vladimirovna<\/strong>
\r\nPh.D. in Law, associate professor, Deputy Head of Administrative and financial law sub-faculty, Institute of Law, Patrice Lumumba Peoples\u2019 Friendship University of Russia<\/p>\r\n

POPUDRENKO Andrey Nikolaevich<\/strong>
\r\nmagister student, National Research University \u00abHigher School of Economics\u00bb<\/p>\r\n

REGULATION AND THE PROSPECT OF DEVELOPING A \u00abBUY NOW, PAY LATER\u00bb SERVICE (BNPL) IN RUSSIA<\/strong><\/p>\r\n

The article discusses the \u00abbuy now, pay later\u00bb service as a type of payment by instalments, regulation and regulatory convergence of the payment by instalments regulation with the regulation of consumer loan. The author also notes the absence of special regulation of the activities of organizations providing the BNPL service in the Russian Federation and identifies a number of problematic issues related to the implementation of the BNPL service. In order to conduct a comparative legal analysis, the author examines the legal regulation of the BNPL service in the national legislation of the Kingdom of Sweden.<\/p>\r\n

Keywords:<\/strong> BNPL service, regulation, payment by instalments, consumer loan, BNPL market.<\/p>\r\n

\r\n

\u2116 4 (203) 2025<\/strong><\/p>\r\n

\u0421\u0442\u0440\u0430\u043d\u0438\u0446\u044b 275-276<\/strong><\/p>\r\n

\u041c\u0410\u041a\u0410\u0420\u0427\u0423\u041a \u0417\u043b\u0430\u0442\u0430 \u0412\u043b\u0430\u0434\u0438\u043c\u0438\u0440\u043e\u0432\u043d\u0430<\/strong>
\r\n\u043a\u0430\u043d\u0434\u0438\u0434\u0430\u0442 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043d\u0430\u0443\u043a, \u0434\u043e\u0446\u0435\u043d\u0442, \u0437\u0430\u043c\u0435\u0441\u0442\u0438\u0442\u0435\u043b\u044c \u0437\u0430\u0432\u0435\u0434\u0443\u044e\u0449\u0435\u0433\u043e \u043a\u0430\u0444\u0435\u0434\u0440\u043e\u0439 \u0430\u0434\u043c\u0438\u043d\u0438\u0441\u0442\u0440\u0430\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043f\u0440\u0430\u0432\u0430, \u042e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442, \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0434\u0440\u0443\u0436\u0431\u044b \u043d\u0430\u0440\u043e\u0434\u043e\u0432 \u0438\u043c\u0435\u043d\u0438 \u041f\u0430\u0442\u0440\u0438\u0441\u0430 \u041b\u0443\u043c\u0443\u043c\u0431\u044b<\/p>\r\n

\u041f\u041e\u041f\u0423\u0414\u0420\u0415\u041d\u041a\u041e \u0410\u043d\u0434\u0440\u0435\u0439 \u041d\u0438\u043a\u043e\u043b\u0430\u0435\u0432\u0438\u0447<\/strong>
\r\n\u043c\u0430\u0433\u0438\u0441\u0442\u0440\u0430\u043d\u0442, \u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u00ab\u0412\u044b\u0441\u0448\u0430\u044f \u0448\u043a\u043e\u043b\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438\u00bb<\/p>\r\n

\u041f\u0420\u0410\u0412\u041e\u0412\u041e\u0415 \u0420\u0415\u0413\u0423\u041b\u0418\u0420\u041e\u0412\u0410\u041d\u0418\u0415 \u0418 \u041f\u0415\u0420\u0421\u041f\u0415\u041a\u0422\u0418\u0412\u0410 \u0420\u0410\u0417\u0412\u0418\u0422\u0418\u042f \u0421\u0415\u0420\u0412\u0418\u0421\u0410 \u0414\u0415\u041b\u0415\u041d\u0418\u042f \u041e\u041f\u041b\u0410\u0422\u042b \u0417\u0410 \u0422\u041e\u0412\u0410\u0420\u042b (\u0423\u0421\u041b\u0423\u0413\u0418) \u041d\u0410 \u041d\u0415\u0421\u041a\u041e\u041b\u042c\u041a\u041e \u041f\u041b\u0410\u0422\u0415\u0416\u0415\u0419 (BNPL) \u0412 \u0420\u041e\u0421\u0421\u0418\u0418<\/strong><\/p>\r\n

\u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0441\u0435\u0440\u0432\u0438\u0441 \u0434\u0435\u043b\u0435\u043d\u0438\u044f \u043e\u043f\u043b\u0430\u0442\u044b \u0437\u0430 \u0442\u043e\u0432\u0430\u0440\u044b (\u0443\u0441\u043b\u0443\u0433\u0438) \u043d\u0430 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 (BNPL) (\u0434\u0430\u043b\u0435\u0435 \u2013 \u0441\u0435\u0440\u0432\u0438\u0441 BNPL) \u043a\u0430\u043a \u0440\u0430\u0437\u043d\u043e\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u044c \u043e\u043f\u043b\u0430\u0442\u044b \u0442\u043e\u0432\u0430\u0440\u043e\u0432 \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443, \u0435\u0433\u043e \u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0435 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0438 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0430 \u0441\u0431\u043b\u0438\u0436\u0435\u043d\u0438\u044f \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u043e \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0435 \u0441 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u0410\u0432\u0442\u043e\u0440\u044b \u0442\u0430\u043a\u0436\u0435 \u043e\u0442\u043c\u0435\u0447\u0430\u044e\u0442 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0433\u043e \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0449\u0438\u0445 \u0441\u0435\u0440\u0432\u0438\u0441 BNPL \u0432 \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0439 \u0424\u0435\u0434\u0435\u0440\u0430\u0446\u0438\u0438, \u0438 \u043e\u0431\u043e\u0437\u043d\u0430\u0447\u0430\u044e\u0442 \u043c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u0430 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u0432, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0435\u0439 \u0441\u0435\u0440\u0432\u0438\u0441\u0430 BNPL. \u0412 \u0446\u0435\u043b\u044f\u0445 \u043f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0441\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0433\u043e \u0430\u043d\u0430\u043b\u0438\u0437\u0430, \u0430\u0432\u0442\u043e\u0440\u0430\u043c\u0438 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0435 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u0430 BNPL \u0432 \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u043c \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0435 \u041a\u043e\u0440\u043e\u043b\u0435\u0432\u0441\u0442\u0432\u0430 \u0428\u0432\u0435\u0446\u0438\u0438.<\/p>\r\n

\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0441\u0435\u0440\u0432\u0438\u0441 BNPL, \u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0435 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430, \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0439 \u043a\u0440\u0435\u0434\u0438\u0442, \u0440\u044b\u043d\u043e\u043a BNPL.<\/p>\r\n<\/div>

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<\/div>","protected":false},"excerpt":{"rendered":"REGULATION AND THE PROSPECT OF DEVELOPING A \u00abBUY NOW, PAY LATER\u00bb SERVICE (BNPL) IN RUSSIA \u2116 4 (203) 2025 DOI 10.46320\/2073-4506-2025-4-203-275-276 Pages 275-276 MAKARCHUK Zlata Vladimirovna Ph.D. in Law, associate professor, Deputy Head of Administrative and financial law sub-faculty, Institute of Law, Patrice Lumumba Peoples\u2019 Friendship University of Russia POPUDRENKO Andrey Nikolaevich magister student, National … Read more<\/a>
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