I can't speak for other jurisdictions, but Norwegian law explicitly says that you can't demand payment in that case, even if you have a contract that says otherwise.
The Norwegian law you referenced appears to say you can't charge for debt collection (unless conditions are met). This has nothing to do with debt collection. In fact it has nothing to do with debt. But you know what man, go ahead, try and scam someone with an NSF or decline and see how it goes.
(Disclaimer: I don't speak Norwegian or any of the other languages)
coo' coo', go try and scam someone with an NSF, see how it goes my man.