12.1 Introduction
Before your account can be approved by our acquiring partners, your website must meet specific compliance requirements.These standards come directly from international card schemes (Visa, Mastercard, etc.) and are verified during every onboarding review.A compliant website ensures:
- Transparency for customers and acquirers
- Reduced risk of chargebacks or disputes
- Faster approval during the KYB/KYC process
What your Terms and Conditions page must include
Your Terms and Conditions page forms the legal foundation of your online business.It must clearly present your company’s official details and accurately reflect your ownership and responsibility.This ensures full compliance with acquirer and card scheme requirements. acquirer and card scheme requirements, your Terms and Conditions page must clearly display the following:
- Registered company name (exactly as stated on your registration document, website name is not accepted)
- Business address (street, postal code, city)
- Company registration number (e.g., KVK number or equivalent)
- Governing law and jurisdiction
- Business email address (preferably matching your domain, e.g., info@yourstore.com)
Your website must not contain any text suggesting that it is managed, operated, or **owned **by another **company **or third party.
All references of this kind must be removed or replaced with your own registered company name to ensure **transparency **and compliance.
All references of this kind must be removed or replaced with your own registered company name to ensure **transparency **and compliance.
What your Terms and Conditions page must not include
A well-structured Terms and Conditions page is essential for compliance and onboarding approval.It provides transparency to both customers and acquirers and helps prevent unnecessary delays during verification.
To prevent delays or rejections during onboarding, make sure your Terms and Conditions do not contain:
- A website name used as the business name (e.g., “YourStore.com” instead of your registered company name)
- Missing or fake address or registration number
- Copied content from another company or template without modification
- Incorrect governing law or jurisdiction that doesn’t match your country of registration
- References to another brand or store that are unrelated to your company
- Incomplete contact information (no email or address visible)
Final notes
Your Terms and Conditions page is a legal requirement for all merchants using Checky Pro Payments.It acts as the official source of your business information and must be transparent, complete, and consistent with your onboarding documents.Once your Terms and Conditions page meets all requirements, enter your website URL directly in the onboarding form when completing your Checky Pro registration.Our compliance team will automatically review your website to confirm it meets acquirer standards.
What your shipping policy page must include
A clear and accurate Shipping Policy is required to comply with acquirer and card scheme standards.
It ensures that customers clearly understand your delivery expectations and that all information across your website remains consistent.
The following requirements outline what your Shipping Policy must include to meet compliance standards.
It ensures that customers clearly understand your delivery expectations and that all information across your website remains consistent.
The following requirements outline what your Shipping Policy must include to meet compliance standards.
To meet acquirer andcard scheme requirements, your shipping policy must clearly display:
- Estimated delivery time (e.g., “2–5 business days”)
- Processing time (e.g., “Orders are processed within 1–2 business days”)
- Shipping cost or a clear statement that shipping is free
- Contact email for delivery or tracking issues
Tip: All delivery times mentioned on product pages, checkout, and your Shipping Policy must match exactly.
Different or conflicting information is a common reason for rejection.
Different or conflicting information is a common reason for rejection.
Final notes
A clear, consistent Shipping Policy increases trust for both your customers and our acquiring partners.Make sure all information especially delivery times is realistic, visible, and identical across your entire website.
12.4 Refund & Return Policy
Your Refund & Return Policy is a key part of your website compliance review.Acquirers and customers must be able to clearly see how your business handles returns and refunds, including timelines, conditions, and potential costs.
A compliant Refund Policy shows transparency, helps avoid chargebacks, and ensures your store meets the legal consumer protection rules of your region (for example, a 14-day return period in the EU).All refund and return information must be consistent across your entire website, meaning the same rules, timelines, and contact details must appear on your product pages, FAQs, and checkout page.
What your Refund & Return policy page must include
Below you will find the key elements that must be included on your Refund & Return Policy page to meet compliance and acquirer requirements.
To meet acquirer and legal standards, your policy must clearly describe:
Return period – the time customers have to return a product (must follow the minimum legal period in your country, for example 14 days in the EU)
Return procedure – how customers can start a return (for example “Email us within 14 days of receiving your order”)
Return address – where the items should be sent.
Refund time frame – how long it takes before the refund is processed after receiving the returned item.
Conditions for returns – such as packaging requirements or proof of purchase.
Costs and responsibilities – whether customers or your business covers return shipping.
Return procedure – how customers can start a return (for example “Email us within 14 days of receiving your order”)
Return address – where the items should be sent.
Refund time frame – how long it takes before the refund is processed after receiving the returned item.
Conditions for returns – such as packaging requirements or proof of purchase.
Costs and responsibilities – whether customers or your business covers return shipping.
If a product needs to be returned to another country, this must be clearly communicated before purchase.
For example:
If a product must be returned to our supplier in China, the return shipping fee may range between €20 and €35 depending on your local courier.
Including this information protects both you and your customers from misunderstandings or disputes.
For example:
If a product must be returned to our supplier in China, the return shipping fee may range between €20 and €35 depending on your local courier.
Including this information protects both you and your customers from misunderstandings or disputes.
What your Refund & Return policy must not include
Avoid the following common issues to stay compliant:
No refund or return policy on your website
Return periods shorter than the legal minimum in your country
Hidden or unclear additional fees for returns
Mentioning different refund terms on other pages
Copying supplier or unrelated store policies without adjustment
Return periods shorter than the legal minimum in your country
Hidden or unclear additional fees for returns
Mentioning different refund terms on other pages
Copying supplier or unrelated store policies without adjustment
All refund and return information must be identical across your website, including product descriptions, FAQs, and the checkout page.
Final notes
A clear Refund & Return Policy increases customer trust and helps prevent chargebacks or disputes with your payment provider.Make sure your return process is legally compliant in your operating country, transparent about timelines and costs, and consistent across all website sections.
12.5 Final overview
Your website is one of the most important parts of the merchant onboarding process.Before any account can be approved, our acquiring partners must confirm that your online store meets all compliance and transparency standards.By following the requirements outlined on this page, including:
- Terms & Conditions clearly showing your business details
- Shipping Policy providing transparent and consistent delivery times
- Refund & Return Policy explaining the process, costs, and customer rights
If your website meets all of the above requirements, include your website URL during onboarding.
Our compliance team will automatically verify everything as part of your merchant review.
Our compliance team will automatically verify everything as part of your merchant review.