Yourmerchantsputyourcreditatcheckout.Know how they describe it.
Curvestone reads your merchants' websites against CONC and your approved wording, and shows your team what needs action: 'it's not credit' framing, credit score promises, or a merchant that sounds like the lender.
Your widget is one part of the page. The merchant writes the rest.
Deferred payment credit came into FCA regulation on 15 July 2026. Your widget may be fixed, but the merchant's own copy around it changes without notice. Where your merchants are IARs, the FCA's guide for credit brokers gives regular reviews of their websites as good practice.
Your widget is one part of the page. The merchant writes the rest.
Deferred payment credit came into FCA regulation on 15 July 2026. Your widget may be fixed, but the merchant's own copy around it changes without notice. Where your merchants are IARs, the FCA's guide for credit brokers gives regular reviews of their websites as good practice.
What we look for on a merchant's website.
Every page is read against the rulebook, with your own approved wording and standards on top.
Presented as credit
BNPL is never described as something other than credit, or as having no consequences for missed payments.
CONC 3.3
Credit score claims
'No impact on your credit score' appears only where it is true.
CONC 3.3
Lender named correctly
The merchant names you as the lender and does not present itself as one.
CONC 3.3
Merchant copy within your wording
Anything the merchant writes about paying later matches the wording you approved.
Your standards
No pressure to pay later
No countdowns or 'today only' offers tied to paying later.
Consumer Duty
Status statement and FRN
The site names you as principal, says you are authorised and regulated by the FCA, and quotes a valid FRN.
GEN 4
Rule references are to the FCA Handbook. Sources: FCA PS26/1, Regulation of deferred payment credit · FCA regulatory guide for credit brokers, section 9
One report for each website.Every check, and the finding behind it.
Each representative's site gets its own report: the pages read, every check for your segment with its status, and each finding with the page, the exact words, the rule and a screenshot. Your reviewer approves or dismisses each finding from there.
From your FRN to the pages that need action.
01Your FRN
FRN 000000
Wernham Hogg Pay Ltd
02FCA Register
- Grace BrothersIAR
- Trotters Independent TradersIAR
- Arkwright's Corner ShopIAR
- and the rest of your representatives
03Websites found
- gracebrothers.co.ukNot on your list
- trottersindependenttraders.co.uk
- arkwrightscornershop.co.uk
04Pages read
gracebrothers.co.uk
- /
- /basket
- /checkout
- /delivery
05Finding
Presented as 'not credit'
“Pay in 3. It's not credit, so there's nothing to worry about.”
gracebrothers.co.uk/checkout
Give us your FRN
We pull your appointed and introducer representatives from the FCA Register and find their websites. You confirm the list.
We read every page
Every page with finance or product wording is read against the rulebook your representatives work under, with your own approved wording on top.
You review what needs action
Each finding comes with the page, the exact words, the rule and a screenshot. Approve it or dismiss it. Your team makes every call.
Run it again
At onboarding, before the annual AR review, or on a schedule you set.
Decision support, never auto-decisioning.
Curvestone recommends. Your compliance team decides: on every finding, and on what goes to a representative.
- Every finding quotes the page and names the rule it was read against.
- A reviewer approves or dismisses every finding.
- Your own approved wording and standards sit on top of the rulebook.
- Findings stay in the UK and EEA, and your data never trains a foundation model. ISO 27001 and ISO/IEC 42001 certified.
- Built on the platform UK mortgage and wealth networks already use for compliance and oversight.
What principals ask before the first meeting.
Other segments.
Watch a representative websiteget checked, line by line.
Book a demo and we'll check a site in your sector against your rulebook while you watch. There is nothing to integrate: it starts from your FRN.