Make your website PayPal-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
Acceptable Use Policy (AUP) compliance, intangible delivery proof, and 180-day limitation defense.
Why did PayPal limit my SaaS account for 180 days under Acceptable Use Policy (AUP) violations?
PayPal automated risk models treat intangible digital goods and recurring SaaS billing with heightened scrutiny. If disputes occur without programmatic proof of delivery, algorithms flag the activity as unverified fulfillment, triggering a 180-day fund hold. Mitigate this by integrating the PayPal Tracking API to transmit software license keys and activation timestamps directly.
How do software sellers avoid PayPal rolling reserves and limitations?
Keep refund and dispute rates strictly below 1%, respond to customer inquiries within 24 hours, and maintain a dedicated support email and phone number in your account settings. Clearly display your statement descriptor so customers recognize charges on their card statements.
Is PayPal suitable as the primary payment processor for a SaaS business?
PayPal works best as a secondary payment option alongside a primary Merchant of Record or Stripe. Relying exclusively on PayPal exposes SaaS companies to sudden automated account limitations that can disrupt cash flow.
Get your website ready for payments today.
Scan your site for compliance gaps or find your ideal payment processor in under 60 seconds.