{"id":96201,"date":"2025-09-12T09:20:44","date_gmt":"2025-09-12T09:20:44","guid":{"rendered":"https:\/\/www.eurogamer.net\/article.php?article_id=2134927"},"modified":"2025-09-12T09:20:44","modified_gmt":"2025-09-12T09:20:44","slug":"xbox-all-access-credit-provider-klarna-faces-uk-regulation","status":"publish","type":"post","link":"https:\/\/arcader.org\/news\/xbox-all-access-credit-provider-klarna-faces-uk-regulation\/","title":{"rendered":"Xbox All Access credit provider Klarna faces UK regulation"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/arcader.org\/wp-content\/uploads\/2021\/02\/xbox-all-access-credit-provider-klarna-faces-uk-regulation.jpg\" alt=\"\" \/><\/p>\n<p>Klarna, the Swedish financial company that handles the credit payment process for Xbox All Access packages in the UK, is facing government regulation following a report by the Financial Conduct Authority. <\/p>\n<p><a href=\"https:\/\/www.fca.org.uk\/publication\/corporate\/woolard-review-report.pdf\">The Woolard Review<\/a>, which was commissioned by the FCA to investigate buy-now, pay-later credit agreements such as those offered by Klarna, found that while BNPL products promise split payments with no interest, it would be &#8220;relatively easy&#8221; for a consumer to amass \u00a31000 of debt by using multiple BNPL lenders. <\/p>\n<p>&#8220;BNPL providers are looking to widen their scope from predominantly fashion and accessories, and are starting to partner with higher value retailers, including homewares and household electricals,&#8221; the report said. &#8220;This could increase average transaction values and therefore outstanding balances.&#8221;<\/p>\n<p><a href=\"https:\/\/www.eurogamer.net\/articles\/2021-02-02-xbox-all-access-credit-provider-klarna-faces-uk-regulation\">Read more<\/a><\/p>\n<p> <a href=\"https:\/\/www.eurogamer.net\/articles\/2021-02-02-xbox-all-access-credit-provider-klarna-faces-uk-regulation\">Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Klarna, the Swedish financial company that handles the credit payment process for Xbox All Access packages in the UK, is facing government regulation following a report by the Financial Conduct Authority. The Woolard Review, which was commissioned by the FCA to investigate buy-now, pay-later credit agreements such as those offered by Klarna, found that while BNPL products promise split payments with no interest, it would be &#8220;relatively easy&#8221; for a consumer to amass \u00a31000 of debt by using multiple BNPL lenders. &#8220;BNPL providers are looking to widen their scope from predominantly fashion and accessories, and are starting to partner with higher value retailers, including homewares and household electricals,&#8221; the report said. &#8220;This could increase average transaction values and therefore outstanding balances.&#8221; Read more Source<\/p>\n","protected":false},"author":1,"featured_media":96202,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[230],"tags":[],"class_list":["post-96201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-eurogamer"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Xbox All Access credit provider Klarna faces UK regulation | Arcader News<\/title>\n<meta name=\"description\" content=\"Klarna, the Swedish financial company that handles the credit payment process for Xbox All Access packages in the UK, is facing government regulation\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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