Make your website payment-ready before you apply.
Audit legal clarity, pricing transparency, and platform restrictions across 12+ payment processors in 60 seconds.
Audits rules and underwriting signals across major processors
How It Works
A 60-second health check for your checkout setup.
Prevent weeks of back-and-forth rejection emails with a proactive 3-step check.
Evidence-Backed Audit
Real code quotes, not vague scores.
Every audit result cites the exact sentence on your site that may cause friction with underwriters.
FAQ
Frequently Asked Questions
Underwriting insights and platform policy standards every software founder should know.
How do Payment Facilitators (Stripe, PayPal) differ from Merchants of Record (Paddle, Lemon Squeezy)?
Payment Facilitators (PayFacs) like Stripe offer instant onboarding with deferred underwriting—meaning your account can be abruptly frozen after your first high-ticket sale if velocity heuristics trigger. Merchants of Record (MoRs) like Paddle act as the legal reseller, assuming cross-border sales tax and chargeback liability, but enforce strict manual upfront website reviews before approving live transactions.
What mandatory legal pages must a SaaS website host in its footer before applying?
Underwriters strictly require four persistent, unauthenticated links in all public and checkout footers: (1) Terms of Service detailing software licensing; (2) GDPR/CCPA-compliant Privacy Policy; (3) Explicit Refund & Cancellation Policy with objective timeframes (e.g. 14 or 30 days); and (4) Corporate Identity disclosures including legal entity name, registered physical address, and direct support contact.
Why are $1 or low-cost trials flagged as negative-option billing under Visa and Mastercard rules?
Card network rules strictly regulate introductory low-cost trials ($1–$5) that automatically convert into full-price recurring subscriptions ($49–$99/mo). To avoid negative-option enforcement, you must explicitly disclose the post-trial recurring price, renewal frequency, and self-service cancellation window directly adjacent to the checkout submit button.
Can an individual or non-US solopreneur get approved without a registered US LLC?
Yes. Merchants of Record such as Creem, Dodo Payments, Whop, and Polar allow individual solopreneurs to sell globally without incorporating a US Delaware entity, handling international VAT/GST remittance on your behalf. Direct Stripe accounts outside supported regions typically require Stripe Atlas or a local domestic business entity.
Why did testing payments with my own credit card get my merchant account closed?
Running live transactions using personal or company cards belonging to founders, directors, or family members violates card scheme cash-advancing rules and triggers automated anti-money laundering (AML) flags for self-dealing. Always test exclusively in designated Sandbox environments with mock test card numbers.
Get your website ready for payments today.
Scan your site for compliance gaps or find your ideal payment processor in under 60 seconds.