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Acceptable Use Policy
Last Updated: February 4, 2025
This Acceptable Use Policy (the “AUP“) forms part of the ePayPolicy Customer Terms of Service (“Terms”) and describes restrictions on the use of our Services (as defined in the Terms). By accessing or using the Services, you agree to comply with this AUP. The following list identifies prohibited businesses, activities, and services. It is representative but not exhaustive and may be updated at our sole discretion.
Prohibited Businesses
The following categories of businesses, activities, and services are strictly prohibited from using any of our Services.
Adult Content and Services
- Adult products or services (such as):
- Adult bookstores, video stores, toys
- Adult websites and content
- Adult entertainment (misc.)
- Any products on the internet containing graphic or nude content
- Audio (phone sex and adult phone conversations)
- Companion/escort services
- Dating services (sexually-oriented)
- Fetish products
- Illegal activity (e.g., child pornography, bestiality)
- Massage parlors (sexually-oriented)
- Membership, clubs, subscriptions
- Prostitution
- Gentleman’s clubs, topless bars, and strip clubs
- Video (web-based sexually oriented video)
Restricted or Illegal Activities
- Businesses selling age or legally restricted products or services (e.g., sale of alcohol and tobacco), Internet/MOTO, including customers whose product/service may be illegal based on Local, State, or Federal Regulations, including but not limited to:
- Age-Restricted Products (i.e., alcohol sold via e-commerce without proper means of age verification)
- Tobacco Products sold via e-Commerce (without requiring or proper means to validate age)
- Prescription Medications sold via e-Commerce (without requiring or proper means to validate a prescription)
- Wire Transfers marketed via e-Commerce (without proper Anti-Money laundering policies/practices)
- Illegal drugs, substances designed to mimic illegal drugs, and/or other psychoactive products (e.g., K2, salvia divinorum, nitrate inhalers, bath salts, synthetic cannabis, herbal smoking blends, herbal incense, and HCG/HGH-like substances)
- Illegal products/services or any service providing peripheral support of illegal activities
- OFAC restricted activity
- Peptides, research chemicals
- Predatory lending businesses
- Prescription drug products sold without a prescription (e.g., contact lenses, steroids)
- Pseudo pharmaceuticals (e.g., weight-loss, anti-aging, muscle-building, sexual-stimulant supplements, colon cleansers, detox products)
- Tobacco products (including e-cigarettes), Internet/MOTO
Fraudulent, Deceptive, or Unethical Business Practices
- Businesses with practices that can be construed to be unfair or deceptive
- Merchants engaged in any form of deceptive marketing practices, including but not limited to:
- Hidden disclosure
- Bogus claims & endorsements
- Pre-checked opt-in boxes
- Refund/Cancellation avoidance
- Poorly disclosed negative options
- Negative response marketing techniques by any type of merchant (i.e., customer is automatically charged if they don’t return the merchandise at the end of a free trial period)
- Merchants offering substantial rebates or special incentives (e.g., free gift, prize, sweepstakes, or contest) as an inducement to purchase products/services
- Merchants that have ransom-like or extortion-like basis for their business model (e.g., mugshot removal)
- Social media “click farms” (i.e., the sale of clicks/likes/reviews/endorsements on social media sites)
Financial Services and Payment Processing
- Bail bonds
- Payday loans and unsecured loans/lines originating from non-FDIC insured banks
- Business/Investment opportunities operating as “get-rich-quick schemes” (e.g., real estate purchase with No Money Down)
- Debt consolidation and mortgage reduction/consulting services
- Money transfer and remittance businesses
- Money Service Businesses
- Third Party Payment Processors/Aggregators/Payment Service Companies (e.g., bill pay service, crowdfunding, peer-to-peer payments, digital wallets, commissary accounts) falling outside of Card Brand approved requirements (Payment Facilitators)
Gambling and Gaming
- Fantasy sports leagues where participants receive cash or cash-equivalents or prizes with/of material value (e.g., electronics, travel, gift cards)
- Game of skill where participants receive cash or cash-equivalents or prizes with/of material value (e.g., electronics, travel, gift cards)
- Gambling involving:
- Illegal or legal gambling where the cardholder is not present when the bet is made
- Lotteries
- Illegal or legal gambling, including internet gambling
- Sports forecasting or odds making
- Off-track betting (excludes bingo, pickle cards, and raffles for charitable purposes)
Products or Services That Foster Deception
- Counterfeit goods/replicas (i.e., knock-offs, imitations, bootlegs)
- Fake references and other services/products that foster deception (including fake IDs and government documents)
- Essay mills/paper mills (i.e., ghostwriting services that sell essays, term papers, etc. with intent that the purchaser will submit documentation as their own)
Technology Misuse and Intellectual Property Violations
- Decryption and descrambler products including mod chips
- File sharing services
- Jammers or devices that are designed to block, jam, or interfere with cellular and personal communication devices/signals
Other Restricted Products or Services
- Airlines
- Chain letters
- Charities without 501(c)(3) or equivalent status
- Collection agencies or firms involved in recovering/collecting past-due receivables
- Cruise lines
- Door-to-Door sales
- Embassies, Foreign Consulates, or Other Foreign Government entities
- Extended warranties
- Medical benefit packages
- Membership/Subscriptions in excess of one year (i.e., two-year, three-year, lifetime, etc.)
- Security brokers, funding portals, and other similar investment entities
- Shipping/forwarding brokers
- Timeshares
- Virtual currency that can be monetized, re-sold, or converted to physical/digital goods/services or otherwise exit the virtual world
- Weapons, ammunition, and firearm parts, Internet/MOTO
