Website KYC Compliance Checker
Check if your website is compliant with payment gateway onboarding requirements. Audit missing links, generate policy templates, and submit your KYC documentation with zero errors.
Scan website for KYC compliance
Enter your live business store or blog URL to analyze legal policy existence, contact details, and SSL health.
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Simplify Merchant KYC
Fast, Compliant Pay-InsUnderstanding Payment Gateway Compliance
Before a payment gateway (like Stripe, Razorpay, or SMEPay) activates your merchant account, they perform a manual audit of your website. If critical customer-facing policies or contact information are missing, your KYC application will be rejected.
Policy Transparency
Legally binding pages (Privacy Policy, Terms, and Refunds) must be easily accessible from your site's header or footer navigation.
Support Legitimacy
You must display an active customer support email, telephone number, and physical corporate office address to handle customer disputes.
Product and SSL Security
Your site must run on HTTPS (SSL) and show clear product pricing. Test products or pricing placeholding will lead to instant rejection.
Top Reasons for KYC Rejections
More than 45% of small business merchant onboarding is delayed by payment gateway auditors due to avoidable website compliance errors. Payment providers are highly regulated by banking authorities and must verify customer rights protections before activating live transactions.
Common Compliance Pitfalls
- •No Refund Window Stated: Gateway rules require you to explicitly write either a refund timeline (e.g., 7 days) or a strict "no refund" policy. Leaving it vague is not allowed.
- •Missing Registered Address: The address in your corporate incorporation documents must be visible on your Contact page.
- •Lacking SSL Certificate: Transacting over HTTP is a critical security violation. Gateways block API access entirely.
Frequently Asked Questions
Everything you need to know about website compliance for Stripe, Razorpay, SMEPay & other providers.
Do I need a Shipping Policy if I only sell digital goods/services?
No. If your business model involves SaaS, online consulting, software, or digital downloads, you do not need a shipping policy. However, your Terms & Conditions should state that delivery of services occurs instantly via email or cloud account provisioning.
Can I just copy-paste templates from Google?
Yes, but you must customize them with your legal business name, registered address, and active support contact details. Using template placeholders (like "[Insert Company Name Here]") will result in immediate rejection by gateway compliance teams.
How long does KYC approval take after my website is ready?
Once you submit a fully compliant website, verification typically takes 24 to 48 business hours. If the auditors request corrections (e.g. adding refund timelines), the approval cycle restarts, extending the timeline by 3-5 days.
Does SMEPay offer automated policy generation?
Yes! If our scanner detects missing compliance documents, you can click "Generate Policy" directly inside this tool. Prefill your details, and copy-paste the compliant policy directly into your web pages.