Free underwriting check

See your store the way an underwriter sees it.

Merchants in regulated categories usually find out what the underwriter objected to afterthe decline, when they’re already on a five-year MATCH listing and the acquirer won’t say why. The criteria aren’t secret. This check runs them against your public site before you apply.

We read the public pages at the address you give us, the way a reviewer would. We don’t store anything and you don’t need an account.

What we look at

Your catalogue
The products themselves, checked against the compounds named in LegitScript’s guidance for payment processors and the FDA’s compounding-impermissible list. We read titles, descriptions and web addresses, because a product sold under an abbreviation still gets identified by what its page says about it.
Your disclaimers
Including the one most merchants get backwards. LegitScript’s own position is that saturating a site with “not for human consumption” makes a merchant more likely to be flagged.
Your policies and contact details
Terms, privacy, refunds, shipping and a way to contact you. A reviewer wants them one click from the homepage, so that’s how we check. Missing policies are some of the most common declines and the cheapest to fix.
Your claims
Disease and efficacy language that can sink an application on its own, whatever you sell.

What it can’t tell you

Underwriting also weighs your processing history, chargeback ratio, corporate documents, the people behind the business and the acquirer’s own appetite on the day. None of that shows from outside a website. A clean result here is a good sign, but it’s still not a promise. We can’t guarantee any processor approves you or keeps you, and nobody else can either, whatever they tell you.

It also reads only what your store serves before any scripts run: product titles and descriptions from your catalogue feed, your homepage, up to three policy pages and two of your product pages. On those product pages we check the parts the feed doesn’t carry, such as FAQ blocks and reviews your theme builds into the page. Text that apps add in the browser isn’t checked. That includes review widgets, subscription and loyalty pop-ups and upsell blocks. A reviewer sees all of it, and a customer review saying a product cured something reads as a claim on your page. So look through a few product pages yourself with your apps switched on, the way a customer sees them.

This only covers payment approval. Whether what you sell is lawful where you ship it is a question for a qualified attorney, and we’re not one.