Make your website Creem-ready before you apply.
Audit legal clarity, pricing transparency, and platform restrictions across 15+ payment processors in 60 seconds.
Authored by CheckoutReady Compliance Engineering Team · Built on Visa, Mastercard, & Underwriting Manuals
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.
CheckoutReady is an automated payment compliance engine that audits public SaaS and digital storefronts against card network rules (Visa and Mastercard) and processor underwriting criteria before merchant onboarding.
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.
Regulatory Standards & Scheme Mandates
Governing Rules Behind Payment Underwriting
Merchant approval decisions are governed by card scheme mandates and processor service agreements.
“A merchant must clearly disclose refund, return, and cancellation policies on its website prior to transaction submission.”
“Merchants offering trial periods converting to recurring subscriptions must provide explicit price disclosure and online cancellation.”
“You must maintain a fair return, refund, and cancellation policy and make the terms readily accessible to your customers.”
FAQ
Frequently Asked Questions
Persona identity verification, non-US developer access, and Creem onboarding rules.
Why did my Creem automated KYC verification fail and get stuck in a Persona session loop?
Automated identity suites (Persona) evaluate device telemetry, IP geolocation, and ISP integrity. Using a VPN, private relay, or registering with a free public email (@gmail.com) triggers anti-spoofing flags. To pass, disconnect VPNs, use a custom domain business email, and complete document capture in a single continuous mobile browser session.
Can I use Creem as an individual developer without a registered US LLC?
Yes. Creem allows European and non-US solo developers to sell digital software as sole proprietors. Creem assumes reseller tax liability, eliminating the requirement to form an expensive Delaware LLC or register for foreign VAT numbers during MVP stages.
Does Creem support token-metered AI utilities and generative tools that Paddle bans?
Yes. Creem actively welcomes indie AI software utilities, prompt wrappers, and token-metered tools that are restricted by legacy MoRs, provided they do not generate illegal or explicitly prohibited material.
What payout rails and settlement methods are supported on Creem?
Creem supports direct SEPA transfers, international wire, Wise payouts, and direct settlement into USDC cryptocurrency wallets, making it accessible for global founders.
Get your website ready for payments today.
Scan your site for compliance gaps or find your ideal payment processor in under 60 seconds.