The Company does not allow businesses to engage in fraudulent, illegal, or otherwise prohibited activities through its Payment Processing Service, nor to misuse the service for unauthorized purposes. Any violation of this policy may result in immediate suspension or termination of access to the Payment Processing Service without prior notice. Businesses offering illegal or unauthorized products or services are not eligible to use the Company’s Payment Processing Service.

The Company evaluates the nature of each business using information provided by the business, publicly available sources, government records, and reliable third-party data. When a Payment Partner is involved in the flow of funds, the prohibited industries list of that Payment Partner is also considered in the assessment and classification of the business.

The following categories are strictly prohibited.

a) Products or services prohibited by applicable law or regulation
b) Controlled substances, drugs, drug paraphernalia, chemicals, online pharmacies, or sale of prescription drugs or medical devices without required licensing
c) Firearms, weapons, ammunition, military arms, firearm parts, explosives, signal jammers, or communication-interference devices
d) Money laundering, terrorism financing, tax evasion, shell banks or shell companies, unauthorized money changers, or sanctioned-list inclusions
e) Intellectual-property infringement, including counterfeit or unauthorized branded goods, stolen goods (physical, digital, or virtual), and illegal downloads of movies, music, software, or games
f) Gambling, wagering, games of chance, or gambling-related providers and transactions
g) Illegal or unlicensed investment schemes, binary options, HYIPs, pyramid, Ponzi, or deceptive MLM structures
h) Credit repair, debt collection, loan modification, or outbound telemarketing services
i) Adult entertainment, sexual services, or explicit websites and content
j) Tobacco, cigars, electronic cigarettes, nicotine, and vaping products
k) Espionage or surveillance equipment and accessories
l) Poisonous, hazardous, or restricted materials without authorization
m) Human remains or body parts
n) Pawn shops, tattoo parlours, massage parlours
o) Surrogacy services or mail-order bride services
p) Identity theft, synthetic identities, transaction laundering, deceptive practices, or sale/misuse of personal or financial data
q) Malware, hacking tools, spyware, botnets, or cyber-intrusion services
r) Selling artificial engagement such as likes, followers, or reviews
s) Products or services promoting abuse, hatred, racism, religious persecution, terrorism, violence, or offensive content
t) Unlicensed tax, accounting, or legal services
u) Prohibited industries as defined by major card schemes