Last updated: September 2024
We have clarified the list of financial services that Paycron does not support, reinforced restrictions on certain industries, and emphasized that services such as psychic consultations are not permitted in specific regions. Additionally, we have updated our policy regarding Paycron’s prior written approvals, making it clear that these approvals can be modified or revoked at Paycron’s discretion.
How to use this page
This page describes the types of enterprises, goods, and sectors that cannot use Paycron’s services. To use Paycron’s services, you must adhere to certain rules and limits. For additional information on why we are unable to collaborate with every business, please check our business constraints article.
High-Risk Jurisdictions and Persons
Use of Paycron’s services for any dealings, engagement, or sale of goods or services either directly or indirectly with the following are prohibited:
High-risk jurisdictions
Persons located in, residents in, or citizens of jurisdictions that Paycron has determined to be prohibited for a variety of reasons, including legal, contractual, and commercial reasons, such as Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions.
High-risk persons
Paycron has determined to be prohibited for various reasons, including legal, contractual, and commercial reasons, such as those individuals or entities named to a restricted person or party list of, or otherwise restricted by, the US, United Kingdom, European Union, or United Nations, including the sanctions maintained by the US Office of Foreign Assets Control or the Denied Persons List or Entity List maintained by the US.
Additionally, it’s prohibited to use Paycron’s products and services to directly or indirectly:
Prohibited services
Accounting, trust and corporation formation, management consulting, architectural, and engineering services may be exported, re-exported, sold, or supplied to anyone in USA.
Prohibited goods
Deal in any products that are illegal to export or import into USA (such as luxury goods).
Prohibited Businesses
You may not use Paycron’s services for any unlawful activity, or for the businesses or product types indicated below. The types of enterprises listed here indicate restricted categories, however this is not an entire list.
Any illegal products and services
Illegal drugs, compounds designed to resemble illicit narcotics (including kava)
Equipment and objects designed to be used for producing or consuming drugs
Fake references or identification services
Telecommunications manipulation equipment, including jamming devices.
Businesses that promote or engage in violence against individuals or property, including those based on race, religion, disability, gender, sexual orientation, national origin, or other immutable characteristics.
Any additional items or services that are in violation of the law in the jurisdictions where your company is based or targeted.
Adult content and services (See the FAQs for additional details)
Adult services include prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live chat capabilities.
Adult Video Stores
Gentlemen’s clubs, topless bars, and strip joints
All online dating services.
Pornography and other mature audience content (including literature, images, and other media) that depicts nudity or graphic sexual actions
Any AI-generated material that fits the aforementioned requirements
Content creation
Transactions that compensate producers but do not include any underlying digital material. Examples include free, public content subscriptions and a tip button on a profile page.
Debt relief companies
Debt settlement, debt negotiation, and debt consolidation
Gambling
Games of chance include gambling, internet gambling, casino games, sweepstakes and contests, and fantasy sports leagues with a monetary or material prize.
Games of skill include video game and mobile game tournaments or competitions, darts, card games, and board games with a monetary or material prize.
Payments of an entry or player fee that guarantees the entrant or player will win a valuable prize.
Sports forecasting or odds-making for a monetary or material prize
Lotteries and fee-based auctions
Government services
Providing products and services on behalf of embassies and consulates
Providing government services without authorization or extra value
Providing government services with deceptive claims
Disbursement of government economic assistance, such as grants
Identity services
Identity theft protection services including monitoring and recovery
Products and services that infringe on intellectual property rights
Sales or distribution of music, pictures, software, or any other licensed materials without proper authorization
Counterfeit products
Illegally imported or exported goods
Unauthorized sale of brand name or designer products or services.
Any such items or services that directly infringe or assist the violation of any third party’s trademark, patent, copyright, trade secrets, property or privacy rights
The legal services listed below
Bankruptcy Lawyers
Bail Bonds
Law firms gather revenue for uses other than paying legal service fees.
Lending and credit
Credit Card Loan Repayments
Credit monitoring, restoration, and counseling services.
Marijuana (See the FAQs for additional details)
Cannabis products
Cannabis dispensaries and affiliated companies
CBD products with THC levels higher than the applicable local jurisdiction’s legal limit, including CBD edibles.
Hydroponic and other cultivation or production equipment sold for growing cannabis
Courses and information on growing marijuana
Nutraceuticals and pseudo-pharmaceuticals
Pseudo-pharmaceuticals or nutraceuticals targeted at considerable weight loss or sexual performance.
Pseudo-pharmaceuticals or nutraceuticals with unsubstantiated or dangerous claims
Non-fiat currency
Cryptocurrency mining and staking
Initial Coin Offerings (ICOs)
Secondary NFT sales.
Travel
Commercial airlines and cruises
Timeshare services
Acts or activities that violate laws, rules, regulations, or guidelines issued by the Consumer Financial Protection Bureau, Federal Trade Commission, or other local consumer regulatory organizations are considered unfair, misleading, or abusive.
Pyramid schemes
Services for multi-level marketing that provide commission- or recruiting-based sales “Get rich quick” scams include things like websites that promise quick and simple money, investment possibilities, and other services that deceive customers by offering huge benefits with little effort or upfront work.
Companies that employ fictitious testimonials, high-pressure upselling, misleading testimonials, or outlandish promises (with or without a formal contract)
Companies enticing customers to buy goods or services with irrational incentives or rewards
No value-added services, such as the selling or reselling of a service without providing the customer with further value or authorization, or the reselling of government offers without providing additional value
sales of web interaction or traffic
Negative option membership clubs, negative option marketing, and reduced price trials with ambiguous or concealed pricing
Telemarketing
Mortgage advice that is predatory
Opportunities for predatory investments requiring little or no cash down
Untrustworthy remote technical assistance
Sales at doors
Services for falsifying documents
Any other companies that Paycron views as being predatorial, dishonest, or unjust to customers.
Weapons, firearms, explosives and dangerous materials
Fireworks, ammunition, firearms, gunpowder, and other explosives
Firearm conversion kits, magazines, clips, firing pins, and any other 3D-printed weapon parts
Toy guns and other modern firearms with incorrect markings
Stun guns and pepper spray
Swords and katanas, unless they are intended for use as practice weapons or as replicas
Cutters
Knives that are hidden or have opening mechanisms intended to quickly discharge a blade pesticides that need to be applied by a licensed expert
Investigate chemicals
Radioactive, flammable, toxic, or combustible materials
According to the US Postal Service, unmailable goods
Restricted Businesses
The following uses of Paycron’s services are prohibited unless Paycron has given you prior written consent. Please get in touch with us if you believe your company fits under one of the prohibited categories. In light of regulatory constraints imposed by card networks, banking partners, and us, Paycron may not be able to approve your business’s use of our products if it fits any of the following categories. If we do provide approval, please be aware that it is particular to each service offer and that Paycron has the right, at any time, to change or withdraw it in accordance with the conditions of the Paycron Services Agreement.
Read more about Restricted Businesses in our FAQs.
While not all-inclusive, the business categories mentioned below serve as an example of our restricted enterprises.
Content creation
Content creation-related transactions
Gifts and advice pertaining to content
Purchases of digital goods or access to exclusive content
Regulated industries
Cannabidiol (CBD) (For further information, see the FAQs)
CBD products that, in accordance with local limits, contain very little THC
Financial products and services
Investment and brokerage services, encompassing investments grounded in real estate
Lending products and services, such as home loans
Funding of bank accounts
Buy Now, Pay Later services
Using crowdsourcing
Debt collection agencies
ATMs
Services related to insurance, such as medical benefit packages
Remittances, currency exchange services, money transmitters, and other money service enterprises
Peer-to-peer transfer of funds
Escrow services
Challenger banks, or neobanks
Cashing of checks
Payable via account
Sponsored prop trading Shell companies
Bearer share sales
Additional financial services
Pharmaceuticals, medical devices and telemedicine (See the FAQs for additional details
SaaS platforms and online pharmacies
Prescription-only goods and medications that require no card
Controlled and prescription-only medical equipment
Prescription delivery services
Services for telemedicine and telehealth
Tobacco
Products made of tobacco, such as herbal cigarettes, e-cigarettes, and cigars
Manufacturing machinery marketed exclusively for the manufacture of tobacco goods
Others
Products and services with age restrictions, including alcoholic beverages
Facilitating and aggregating payments (including accepting settlement funds on behalf of one or more third-party vendors for products or services you did not provide)
Non-fiat currency and stored value
Wallets & exchanges for cryptocurrencies (such as dogecoin, cardano, ethereum, ripple, bitcoin, and so on). Please refer to the crypto supportability page for information on NFT and crypto availability and support by location.
First-party platforms such as marketplaces and SaaS providers that mint and sell non-fungible tokens (NFTs). SIM cards, prepaid phone cards, and phone services
Sales of credits or stored value that are kept, approved, and issued by parties other than the seller
Sale of virtual world assets or in-game currency, unless the company runs the virtual world
Preloaded gift cards, virtual credits, preloaded payment cards, and other goods and services where a monetary value is stored in the object (digital or physical)
Businesses that might pose elevated financial risk
Travel
Travel reservation services and clubs
Charter and private airlines
Businesses that are prone to abuse by fraudulent actors
Multiple tiers of marketing
A business model in which enterprises generate income through retail product sales, network marketing, and referral marketing programs, and participants receive commissions
Shipping Other Dropshipping
Requesting financial contributions or gifts
Raffles and charity sweepstakes with the express goal of raising money
You can read about business limitations to find out more about Paycron’s policy regarding restricted businesses and the reasons why certain businesses aren’t permitted to utilize Paycron’s services.
Jurisdiction-Specific Prohibited Businesses
Brazil
Prosthetic genitalia
Realistic sex toys and sex accessories
Canada
Mortgage consulting
India
Alcohol
Captive insurance firms.
Cash couriers
Charities
Chit funds
Currency Exchange
Currency Transportation
Dating and matchmaking services
Gambling Equipment
Genital prostheses
Junket Operators
Lobby groups and political organizations
Mining, oil drilling, and refining
Personal investment vehicles and companies
Religious organizations
Sex accessories and toys
Trust the service providers.
Unlicensed Financial Institutions
Japan
Animals
C2C services outside Paycron Connect, and online gaming/gambling consulting and prediction services.
We offer consultation, knowledge, and tools for profiting from trading or investing in financial items or cryptocurrency, as well as running a resale or dropshipping business. We also make donations to individuals.
Fundraising or financing of businesses designated as forbidden or restricted above
Genital prostheses
Health Instruments
Devices for disposing of industrial waste, rubbish, and purifying water
International Marriage Brokerage Businesses
Mortgage Consulting
Private Investigators or Protection Services
Psychic Services and Fortune Tellers
Sex Accessories and Lifelike Sex Toys
Businesses that lack a “Commercial Disclosure” page on their website as required by the Specified Commercial
Malaysia
Genital prostheses
Matchmaking
Sex accessories or sex toys?
Mexico
Adoption Agencies
Cross-border currency exchange services
Debt Collection Agencies
Direct marketing for travel
Electronic cigarettes for card-not-present transactions
Ephedrine and console modification devices
Genital prostheses
HCG Weight Loss
Investment Services
Sex accessories or lifelike sex toys?
Penny auctions
Private Investigators or Protection Services
Psychic Services and Fortune Teller
Search engine optimisation
Telemedicine
Singapore
Prepaid phones and SIM cards
Sales of products that permit payments to any of these products or services are considered unlawful in Singapore
Sex accessories or sex toys?
Thailand(Prohibited = P, Restricted = R)
Charities P
Dating services P
Food and cosmetics R
Historical artifacts P
Hotels, tour operators, and transport services R
Online alcohol sales P
Private investigators or detective agencies P
Psychic services and fortune tellers P
Timeshares P
Vehicle sales P
Vitamins P
United Arab Emirates
Gambling equipment
Genital prosthetics
Historical artifacts, ivory products, prison-made products
Private investigators or detective agencies
Matchmaking services
Sex accessories or sex toys
United States
Extended warranties and subscriptions over one year
Mortgage consulting
Pseudo-pharmaceuticals or nutraceuticals focused on weight loss
Shipping brokers and freight forwarders, without prior authorisation from Paycron
Sex accessories
