Guides · Klarna and other buy-now-pay-later providers
Buy-now-pay-later providers underwrite the business and read the website for the basics: a return policy with a window at least as long as their minimum, visible contact details, no restricted categories, and a functioning checkout. Applications are declined without a reason more often than not.
| Check | Rule |
|---|---|
| Refund policy states a window, conditions and a process The refund or return policy exists and says how many days a customer has, what condition items must be in, and how to start a return. | Merchant Center: Set up your return policies for Shopping ads and free listings (read 2026-10-06) |
| Contact details visible A phone number or email address, and a physical business address, on the contact page or in the footer. | Shopping ads policies: Misrepresentation (Unacceptable business practices) (read 2026-10-06) |
| No restricted or prohibited content No supplements with health claims, weapons, replica or 'inspired by' brand goods, tobacco, or other content the platforms restrict. | Google's Shopping ads and listings policies (prohibited and restricted content) (read 2026-10-06) |
| Store reachable and working HTTPS, no password page, cart reachable, no dead links in the main menu. | Shopping ads policies: Editorial and professional requirements (read 2026-10-06) |
| About page with real content An About page that says who runs the store, with more than a sentence or two. | Shopping ads policies: Misrepresentation (Unacceptable business practices) (read 2026-10-06) |
Not legal advice. Policies change; each rule above names the page it restates and when it was read.