Is Your Checkout Ready for FCA BNPL Regulation?
The FCA's July 15, 2026 deadline applies to every UK merchant offering Klarna or Clearpay. Get a full compliance audit in 60 seconds — check all 17 FCA PS26/1 requirements against your checkout.
No account needed · Results in under 60 seconds · Cites exact FCA clauses
One audit covers your entire store — you don't need to audit every product page.
Shopify and WooCommerce themes apply BNPL settings globally. When you configure Klarna or Clearpay, the same widget and the same surrounding disclosure text — or the same absence of it — appears on every product page across your store. The compliance gap is in your theme configuration, not in individual products.
One product page is enough
Shopify and WooCommerce themes apply BNPL display settings globally. If Klarna or Clearpay appears on one product page, the same widget configuration applies across your store.
The compliance gap is in the theme, not the product
FCA PS26/1 requires the Key Product Information to appear at the point of sale. That wording is configured once, at the theme or app level. A single audit tells you whether your configuration meets the standard.
When you might need a second audit
If you operate multiple Shopify stores, use different BNPL providers on different sections, or have a custom-built checkout that departs from your theme defaults — audit each distinct configuration separately.
How It Works
Paste your URL
Enter your checkout or product page URL.
We audit it
Our rule engine checks 17 FCA PS26/1 requirements.
Get your report
Download a full PDF with exact clause citations.
What We Check
Every audit maps your product or checkout page against 17 rule areas derived from FCA PS26/1 (published 11 February 2026), with severity flags for remediation priority.
Detects Klarna, Clearpay, PayPal Pay in 3, or other BNPL presence
States BNPL is credit, not just a payment option
Shows the number and amount of repayments clearly
Discloses the 0% interest rate explicitly
Explains missed-payment consequences up front
Provides access to the 14-day right to withdraw in linked terms
Names the lender and FCA firm reference number
Covers early settlement rights in linked terms
Clarifies whether Section 75 applies
Flags prohibited impulse-spend wording
Links to full lender terms before checkout
Signposts to additional product information containing your rights
Explains automatic repayment authority (CPA) clearly
Signposts customers to free debt advice
Confirms the provider is FCA authorised
Discloses whether a credit reference agency check will be performed
Provides access to FOS complaint rights and escalation procedure
FCA oversight now reaches merchant BNPL journeys.
FCA PS26/1 brings Deferred Payment Credit promotions and checkout disclosures into a regulated standard from 15 July 2026. If a UK merchant surfaces Klarna or Clearpay without the right pre-contract wording, lender details, or risk disclosures, the checkout journey can expose the business to remediation costs, delayed launches, and regulator scrutiny. ClearPay Audit gives operations, legal, and eCommerce teams a fast first-pass compliance view before a manual legal review.