Review a merchant's website before it takes card payments

Fields

• Business description from the application
• Merchant category chosen on the application
• Text of the merchant's home, product, about, terms and refund pages

Questions

1. Is there enough website text to tell what the business sells? Yes / No

   Read the site text. Yes: The site text shows what the business sells, through product or service pages, descriptions or prices. No: The text is empty, a login or error page, a cookie banner, or too short to tell what is sold.

2. From the website, what does the business mainly sell? Choice

   Read the site text only, not the application. Choose the kind of product or service the site sells. If it sells several kinds, choose the one the site promotes most, on its home page and in its offers; the number of products listed is not the test.

   • Clothing and accessories Clothes, shoes, bags, jewellery and fashion accessories.
   • Electronics Phones, computers, audio, gadgets and their accessories.
   • Home and garden Furniture, homeware, tools, garden goods and DIY supplies.
   • Beauty and personal care Cosmetics, skincare, hair care and toiletries.
   • Supplements and nutrition Vitamins, weight loss products, sports nutrition, herbal remedies and other supplements.
   • Food and drink Groceries, meal kits, speciality food, coffee, tea, wine and spirits.
   • Digital goods and software Downloads, apps, software licences, online courses, game items and gift cards.
   • Services Professional, personal or local services booked or paid online, such as repairs, coaching or cleaning.
   • Travel and tickets Holidays, accommodation, transport, and event or ticket resale.
   • Adult content and products Sexual content, adult products or adult services.
   • Gambling and prize draws Betting, casino games, lotteries, raffles and paid prize competitions.
   • Financial services and investments Crypto, forex, trading signals, investment schemes, loans, debt relief or credit repair.
   • Medicines or research chemicals Prescription or pharmacy medicines, peptides, SARMs or research chemicals.

3. Does what the website sells match the business and category declared on the application? Yes / No

   Compare the site text with the business description and the category on the application. A site that sells the declared goods plus a small range of closely related items still matches. Yes: What the site mainly sells is what the application describes. No: The site mainly sells something else, or a significant part of it is a different kind of product not declared on the application.

4. Does the website offer anything on our prohibited list? Yes / No

   Read the site text and the prohibited list in the context. Count products offered on the site, even as a small part of the range or under coded names. Yes: The site offers at least one prohibited product or service. No: Nothing on the site is on the prohibited list.

5. Which prohibited or restricted category appears on the website, if any? Choice

   Read the site text and the lists in the context. If more than one category appears, choose the one that comes first in this list.

   • Medicines or research chemicals Prescription medicines without a prescription, or research chemicals, peptides or SARMs.
   • Illegal drugs, weapons or replica goods Illegal drugs or paraphernalia, weapons or ammunition, or counterfeit or replica goods.
   • Adult or gambling Adult content, products or services, or gambling and paid prize draws.
   • CBD, tobacco or vapes CBD or hemp products, tobacco, e-cigarettes or vape liquids.
   • Crypto, investment or debt schemes Crypto, forex, investment schemes, debt relief or credit repair.
   • Supplements with claims, or free trials Supplements sold with health claims, or a free or low-cost trial that turns into a subscription.
   • None Nothing on the site falls in a prohibited or restricted category.

6. Does the website suggest the goods are not genuine? Yes / No

   Read the site text for signs that goods imitate a brand: words such as replica, 1:1, AAA quality, mirror quality, inspired by, or a brand name misspelled or broken up, or well-known luxury brands at a small part of their usual price. A genuine item described as used or refurbished is not a sign. Yes: The site contains at least one such sign. No: Nothing on the site suggests the goods are imitations.

7. Does the website claim a product treats, cures or prevents a disease or medical condition? Yes / No

   Read the site text. General wellbeing words such as "feel your best" or "boosts energy" are not a disease claim. Yes: The site says or implies a product treats, cures, prevents or reverses a disease or medical condition, such as diabetes, obesity, anxiety or joint disease. No: The site makes no such claim.

8. Does the website offer a free or low-cost trial that turns into a recurring charge? Yes / No

   Read the site text, including terms and small print. Yes: A free, sample or low-cost first order leads to a recurring charge unless the buyer cancels. No: No such offer appears. An ordinary subscription sold at its full price from the start does not count.

9. Does the website make other claims likely to mislead buyers, such as guaranteed results, fake scarcity or unsupported proof? Yes / No

   Read the site text. Do not count disease claims, which have their own question. Yes: The site makes at least one such claim, such as "guaranteed results", a countdown or "only 3 left" on every product, "clinically proven" with no study named, or a doctor endorsement with no name. No: The site makes no such claim.

10. Does the website show a refund or returns policy? Yes / No

    Read the site text. Yes: The site has a refund or returns policy that says how and when buyers can get their money back, even if its terms are strict. No: No refund or returns policy appears, or the site only says "contact us".

11. Does the website give a customer service contact and a business address? Yes / No

    Read the site text. Yes: The site gives a way to contact customer service, such as an email address or phone number, and a business address. No: The site gives no contact, or only a contact form or email address with no business address.

12. Does the website look unfinished or like an unedited template? Yes / No

    Read the site text. Yes: The site has placeholder text such as lorem ipsum or "product name here", sample products, empty shop pages or links to pages that do not exist. No: The site reads as a finished shop with real products.

Lens columns

enough_to_judge, enough_to_judge_probability, what_they_sell, what_they_sell_probability, matches_declared, matches_declared_probability, prohibited_signal, prohibited_signal_probability, restricted_goods, restricted_goods_probability, counterfeit_signals, counterfeit_signals_probability, disease_claim, disease_claim_probability, trial_to_subscription, trial_to_subscription_probability, misleading_claim, misleading_claim_probability, refund_policy_present, refund_policy_present_probability, contact_details_present, contact_details_present_probability, site_incomplete, site_incomplete_probability