Compliance
Prohibited & restrictedbusinesses.
Every merchant gets their own merchant account at the licensed acquiring partner, and that partner underwrites and screens each business directly. This page is our routing triage: which categories onboard normally, which need evidence before any rail will carry them, and which we won’t route at all.
The blanket rule
Legality first,category second.
Anything illegal in the buyer’s or the seller’s jurisdiction is prohibited regardless of the category it might otherwise fit. Classification refers to what your business actually does — if the acquiring partner’s underwriting finds the activity was misrepresented, the application is rejected.
Restricted
Evidence-gatedcategories.
Routable only where an acquiring partner has explicit written appetite, and always gated on evidence — a license, age verification, or a structure review. Expect the partner’s underwriting to ask for it.
- iGaming (licensed)License per target market required.
- Crypto exchange / VASPVASP/CASP registration required.
- Crypto, NFT & Web3
- Forex & CFDs (licensed)License per target market required.
- Adult contentAge verification required.
- Dating
- CBD & hemp
- Nutraceuticals & supplements
- Tobacco & vape
- Travel, events & future delivery
- Marketplaces & platformsAggregation structure review.
- Money services (licensed)License required.
- Lending & BNPL
Prohibited
Not routableon any rail.
We will not route these businesses, on any rail, under any merchant configuration.
- Unlicensed gambling
- Weapons, firearms & ammunition
- Illegal drugs
- Prescription pharmaceuticals
- Counterfeit & IP-infringing goods
- Pyramid schemes, MLM & guaranteed returns
- Binary options
- Debt collection & credit repair
- Unlicensed money services
- Sanctions evasion
- Fraud enablementFake documents, hacking-for-hire, account farms.
Standard onboarding
Everything else,normal path.
Categories with standard onboarding include saas, software & developer tools, digital goods, video gaming, e-commerce (physical goods), media & subscriptions, education, professional services, hosting & infrastructure, crypto-native saas, nonprofits & donations and vpn & privacy tools. If your business doesn’t fit a listed category, pick “Other” in the activation form and describe what you do — a human reads every submission.
This list moves as rails are contracted: when a partner grants written appetite for a restricted vertical, that category gains a routable path — it stays evidence-gated. For how funds flow and who holds them, read Trust & fund flows.
Every rail, one ledger
Tell us whatyou’re building.
Underwritten one business at a time. Four lines get you a real answer — what you sell, your volume, how you want to be paid, where you are today.