PaidPayments Restricted Business Types


Restricted Businesses

The following categories of businesses and business practices are restricted from using the Paid Service ("Restricted Businesses"). Restricted Business categories may be imposed through Network Rules or the requirements of our Financial Services Providers. In certain cases, businesses listed below may be eligible for processing with explicit prior approval from Paid. Note, however, that businesses that offer illegal products or services are never eligible to use the Paid Services. The types of businesses listed in the right column are representative, but not exhaustive. If you are uncertain as to whether your business is a Restricted Business, or have questions about how these requirements apply to you, please contact us.

By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following businesses, business activities, or business practices, unless you have received prior written approval from Paid. It is prohibited to use the Service for any dealings, engagement, or sale of goods/services linked directly or indirectly with jurisdictions Paid has deemed high risk, such as Cuba, Iran, North Korea, Crimea Region, and Syria.


Financial and professional services

               
       Investment & credit services         Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; investment services; real estate opportunities; lending instruments    
      Money and legal services         Financial institutions, money transmitters and money services businesses, check cashing, wire transfers, money orders; currency exchanges or dealers; bill-pay services; crowdfunding; insurance; bail bonds; collections agencies; law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm (e.g., firms cannot use Paid to hold client funds, collection or settlement amounts, disputed funds, etc.)    
     Virtual currency or stored value         Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); cryptocurrency mining equipment; initial coin offerings; digital wallets, sale of stored value or credits maintained, accepted and issued by anyone other than the seller    

IP Infringement, regulated or illegal products and services

                           
     Intellectual property or proprietary rights infringement         Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party; use of Paid intellectual property without prior written consent from Paid; use of the Paid name or logo including use of Paid trade or service marks inconsistent with the Paid Marks Usage Agreement, or in a manner that otherwise harms Paid or the Paid brand; any action that implies an untrue endorsement by or affiliation with Paid.
     Counterfeit or unauthorized goods         Counterfeit goods; unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported    
     Gambling         Lotteries; bidding fee auctions; sports forecasting or odds making for a monetary or material prize; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; games of chance including legal or illegal forms of gambling, internet gambling, sweepstakes and contests with a buy-in or cash prize; charity sweepstakes and raffles for the explicit purpose of fundraising    
     Regulated or illegal products or services         Cannabis dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online pharmacies; prescription-only products including card-not-present pharmaceuticals; peptides and research chemicals; fake references or ID-providing services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis; goods or services, the sale of which is illegal under applicable law in the jurisdictions to which your business is targeted or directed    
    Adult content and services         Pornography and other obscene materials (including literature, imagery and other media) depicting nudity or explicitly sexual acts; sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features; sexually oriented items (e.g., adult toys); adult video stores and sexually oriented massage parlors; gentleman's clubs, topless bars, and strip clubs; sexually oriented dating services    

Unfair, predatory, or deceptive practices

               
     Get rich quick schemes         Investment opportunities or other services that promise high rewards    
     Mug shot publication or pay-to-remove sites         Platforms that facilitate the publication and removal of content (such as mug shots), where the primary purpose of posting such content is to cause or raise concerns of reputational harm    
     No-value-added services         Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers    

Products or services that are otherwise restricted by our financial partners

                                                   
     Aggregation         Engaging in any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds; payment facilitation    
     Drug paraphernalia         Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs    
     High risk businesses         Bankruptcy lawyers; remote technical support; psychic services; essay mills; chain letters; door-to-door sales; medical benefit packages; telemedicine and telehealth services; travel reservation services and clubs; airlines; cruises; timeshares; circumvention, jamming and interference devices; prepaid phone cards, phone services; telemarketing, offering substantial rebates or special incentives as an inducement to purchase products or services; telecommunications manipulation equipment;  forwarding brokers; negative response marketing; subscriptions over one year; extended warranties; government grants; embassy, foreign consultate, or other foreign governments; charities without proper registration; credit card and identity theft protection; the use of credit to pay for lending services; any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies; any business or organization that a. engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property, or b. engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic    
     Multi-level marketing         Pyramid schemes and multi-level marketing    
     Pseudo pharmaceuticals         Nutraceuticals, pseudo-pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body, or make specific claims about weight loss or improved sexual performance    
    Social media activity         Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity and online traffic    
     Substances designed to mimic illegal drugs         Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom)    
     Video game or virtual world credits         Sale of in-game currency or game items, unless the merchant is the operator of the virtual world    
     Use of Paid in a manner inconsistent with its intended use or as expressly prohibited in the Paid Services Agreement         Use of Paid principally as a virtual terminal (e.g., submitting card transactions by manually inputting card information); processing where there is no bona fide good or service sold, or donation accepted; card testing; evasion of card network chargeback monitoring programs; cross-border acquiring; sharing cardholder information with another merchant for payment cross-sell product or service