Prohibited Services

1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media), escort or prostitution services.
2. Alcohol which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
3. Body parts which include organs or other body parts.
4. Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam).
5. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
6. Child pornography which includes pornographic materials involving minors.
7. Copyright unlocking devices which include Mod chips or other devices designed to circumvent copyright protection.
8. Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
9. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
10. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit stamps, and other potentially unauthorized goods.
11. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms.
12. Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items.
13. Endangered species which includes plants, animals, or other organisms (including product derivatives) in danger of extinction.
14. Gaming/gambling which includes lottery tickets, sports bets, memberships/enrolment in online gambling sites, and related content.
15. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.
16. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, watomites, or other protected property.
17. Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts.
18. Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes.
19. Offensive goods which include literature, products, or other materials that: (a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors, (b) Encourage or incite violent acts and (c) Promote intolerance or hatred.
20. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
21. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner.
22. Pyrotechnic devices and hazardous materials which includes fireworks and related goods, toxic, flammable, and radioactive materials, and substances.
23. Regulated goods which include air bags; batteries containing mercury; Freon or similar substances/refrigerants, chemical/industrial solvents, government uniforms, car titles or logos, license plates, police badges and law enforcement equipment, lock-picking devices, pesticides; postage meters, recalled items, slot machines, surveillance equipment; goods regulated by government or other agency specifications.
24. Securities, which includes stocks, bonds, or related financial products.
25. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
26. Traffic devices which include radar detectors/jammers, license plate covers, traffic signal changers, and related products.
27. Weapons which include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
28. Wholesale currency which includes discounted currencies or currency exchanges.
29. Live animals or hides/skins/teeth, nails, and other parts etc of animals.
30. Multi-Level Marketing collection fees.
31. Matrix sites or sites using a matrix scheme approach.
32. Work-at-home information.
33. Drop-shipped merchandise.
34. Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international, including the laws of India.

Apart from above, business models prone to higher chargebacks & frauds that are not doable.

1. Money transfer, wire transfers.
2. Financial Institutions – Manual Cash Disbursements.
3. Financial Institutions – Automated Cash Disbursements.
4. Quasi-cash, currency, money orders, travellers’ cheques, debt repayment, loan payment, lease payment, mortgage companies (not money transfer, non-financial institution).
5. Account funding, stored value card purchase, prepaid load (non-financial institution).
6. Quasi-cash (e.g. Western Union).
7. Money transfer-member financial institution.
8. Debt collection agencies or B2B Collection.
9. Remote stored value load-member financial institution/LIC.
10. MoneySend Funding.
11. Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry.
12. Antique Shops – Sales, Repairs, and Restoration Services.
13. Pawn Shops.
14. Stamp & coin stores.
15. Tobacco, cigarettes, cigar stores, vape e-cigs, e-cigarettes.
16. Timeshares, timeshare rentals, leases and sales.
17. Dating/Escort Services.
18. Debt, marriage, personal counselling services.
19. Massage Parlors.
20. Detective Agencies.
21. Truck stop transactions.
22. Adult content and services merchants/Video Tape Rental Stores.
23. Video Amusement Game Supplies.
24. Video games and arcades.
25. Betting/Casino Gambling.
26. Political Organizations.
27. Gambling - Horse Racing, Dog Racing, Non-Sports Intrastate Internet Gambling.
28. Digital Goods: Games.
29. Digital Goods: Applications (Excludes Games).
30. Antique Shops - Sales, Repairs, and Restoration Services.

1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media), escort or prostitution services. Apparatus such as personal massagers/vibrators and sex toys and enhancements.
2. Body parts, which includes organs or other body parts – live, cultured/preserved or from cadaver.
3. Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam).
4. Cable TV descramblers and black boxes which include devices intended to obtain cable and satellite signals for free.
5. Child pornography in any form.
6. Copyright unlocking devices which include Mod chips or other devices designed to circumvent copyright protection.
7. Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
8. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
9. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
10. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs including but not limited to salvia and magic mushrooms.
11. Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items.
12. Endangered species, which includes plants, animals, or other organisms (including product derivatives) in danger of extinction.
13. Gambling which includes lottery tickets, sports bets, memberships/enrolment in online gambling sites, and related content.
14. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.
15. Hacking and cracking materials which include manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
16. Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts.
17. Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes.
18. Offensive goods which include literature, products or other materials that: (a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors, (b) Encourage or incite violent acts and (c) Promote intolerance or hatred.
19. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
20. Pyrotechnic devices and hazardous materials which includes fireworks and related goods, toxic, flammable, and radioactive materials and substances.
21. Regulated goods which include air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
22. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
23. Traffic devices, which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products.
24. Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
25. Live animals or hides/skins/teeth, nails, and other parts etc of animals.
26. Any intangible goods or services or aggregation/consolidation business.
27. Drop-shipped merchandise.
28. Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/allied services. Voice process /knowledge process services.
29. Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, both local and international, including the laws of India.

1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services. Apparatus such as personal massagers/vibrators and sex toys and enhancements.
2. Alcohol, which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
3. Body parts, which includes organs or other body parts – live, cultured/preserved or from cadaver.
4. Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam).
5. Cable TV descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
6. Child pornography in any form.
7. Copyright unlocking devices which include Mod chips or other devices designed to circumvent copyright protection.
8. Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
9. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
10. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
11. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs including but not limited to salvia and magic mushrooms.
12. Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items.
13. Endangered species, which includes plants, animals, or other organisms (including product derivatives) in danger of extinction.
14. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content.
15. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.
16. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
17. Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts.
18. Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes.
19. Offensive goods which include literature, products or other materials that: (a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors (b) Encourage or incite violent acts (c) Promote intolerance or hatred.
20. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
21. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or anywhere else.
22. Pyrotechnic devices and hazardous materials which includes fireworks and related goods, toxic, flammable, and radioactive materials, and substances.
23. Regulated goods which include air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
24. Securities, which includes stocks, bonds, mutual funds or related financial products or investments.
25. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
26. Traffic devices, which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products.
27. Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
28. Wholesale currency, which includes discounted currency or currencies and exchanges.
29. Live animals or hides/skins/teeth, nails and other parts etc of animals.
30. Multi-Level Marketing schemes or Pyramid/Matrix sites or websites using a matrix scheme approach.
31. Any intangible goods or services or aggregation/consolidation business.
32. Work-at-home information.
33. Drop-shipped merchandise.
34. Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/allied services. Voice process/knowledge process services excluding Broadband.
35. Real estate/Construction related services.
36. Virtual currencies such as Bitcoins.
37. BPO/KPO, Outsourcing services.
38. Job related services.
39. Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, both local and international including the laws of India.

1. Merchant categories that have been banned under central or state laws and any regulations as may be applicable, and any products or services that are not in compliance with the Applicable Laws and regulations whether federal, state, local or international, including the laws of India.
2. Merchants operating such businesses, as those not specifically permitted by a regulator, statutory or any other competent authority — like lotteries, casinos, nightclubs, gambling, and betting etc.
3. Merchants engaged in activities posing a high brand or reputational risk, like — adult goods and services, pornography (including child pornography), sexually suggestive materials (including literature, imagery and other media), escort or prostitution services, website access and/or website memberships of pornography or illegal sites, adult themes, other obscene materials etc.
4. Merchants operating in financial products/services/ asset classes that are riot regulated, like — cryptocurrency etc.
5. Copyright Infringement including (i) copyright unlocking devices which include mod chips or other devices designed to circumvent copyright protection, (ii) copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials, and (iii) copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
6. Anything for the purpose of bribery or corruption, as notified by the RBI or any other regulator or as per Applicable Law.
7. Body parts which include organs or other body parts.
8. Bulk marketing tools which include email lists, database providers, telemarketers, software, or other products enabling unsolicited email messages or tele-calls (spam), or any activities prohibited by the Telecom Regulatory Authority of India.
9. Cable descramblers and black boxes which include devices intended to obtain cable and satellite signals for free.
10. Counterfeit and unauthorized goods which include replicas or imitations of designer goods, items without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit stamps, and other potentially unauthorized goods.
11. Drugs and drug paraphernalia which include illegal drugs and drug accessories, including herbal drugs like marijuana, salvia and magic mushrooms etc.
12. Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items.
13. Endangered species which include plants, animals or other organisms (including product derivatives) in danger of extinction.
14. Gaming/ gambling which include lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content.
15. Government IDs or documents which include fake IDs, passports, diplomas, and noble titles.
16. Hacking and cracking materials which include manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property.
17. Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts.
18. Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes.
19. Offensive goods which include literature, products or other materials that may result in defamation or discrimination, encourage violence or hatred.
20. Pyrotechnic devices, combustibles, corrosives and hazardous materials which include explosives and related goods, toxic, flammable, and radioactive materials and substances.
21. Regulated goods which include air bags, batteries containing mercury, freon or similar substances/ refrigerants, chemical/ industrial solvents, government uniforms, car titles, license plates, police badges and law enforcement equipment, lock-picking devices, pesticides, postage meters, recalled items, slot machines, surveillance equipment, goods regulated by government or other agency specifications, including weapons (i.e. firearms, ammunition, knives, brass knuckles, gun parts, gun powder or explosives) and wholesale currency including discounted currencies or currency exchanges.
22. Tobacco and cigarettes which include cigarettes, cigars, chewing tobacco, and related products.
23. Live animals or hides/ skins/ teeth, nails and other parts etc. of animals.
24. Multi-level marketing collection fees and any business involved in multi-level marketing or pyramid marketing fees or get-rich-quick schemes.
25. Matrix sites or sites using a matrix scheme approach.
26. Work-at-home approach and/ or work-at-home information.
27. Drop-shipped merchandise.
28. The User providing services that have the potential of casting the payment gateway facilitators in a poor light and/ or that may be prone to buy and deny attitude of the cardholders when billed (e.g. adult material/ mature content escort services/ friend finders) and thus leading to Chargeback and fraud losses.
29. Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature.
30. Virtual currency, cryptocurrency, prohibited investments for commercial gain or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.
31. Money laundering services.
32. Bidding/ auction houses.
33. Money Changer and Money Transfer Agents.
34. Domestic Money Transfers, except to the extent performed by an authorised bank agent in accordance with RBI regulations.
35. Offshore corporation.
36. Crowdsourcing platforms.
37. Any other product or service, which in the sole opinion of either the Bank, is detrimental to the image and interests of either of them/ both of them, as communicated by either of them/ both of them to the Customer from time to time. This shall be without prejudice to any other tennis & conditions mentioned in these T&Cs.
38. Antiques\ Art dealers
39. Dealers in Gems and Jewellery /Precious metals / Bullions (including sub dealers)
40. Embassies/ Consulates
41. Providing Business Correspondent services like AEPS, DMT, pay out services etc.
42. Merchants’ establishments involving Director(s) who are not residents of India
43. Digital Lending (Lending/Loan apps routing money from Chinese Org.)
44. Applications / Merchants dealing in NFTs
45. NBFCs status rejected under NIDHI companies list
46. Merchants dealing in Gift Cards offering purchase through forex / Foreign Currencies
47. Dubious video chatting applications
48. Merchants Applications for which complaints are observed on the Internet Consumer Complaint Forum(s)

1. Merchant selling products that are illegal or breach any law or regulation in the jurisdiction of the Aggregator or Sub-Merchant or Cardholder
2. Sub-aggregation
3. Cooperative banks as merchants
4. Selling legal highs (including, narcotics or other psychotropic substances)
5. Selling products or services that require licenses, where the license cannot be presented or the license is not valid
6. Selling replica, counterfeit and/or fake goods
7. Casinos and gambling equipment, including “Junket Operators” that arrange gambling tours
8. Betting, bookmaking, racing - Car/ Animals
9. Military arms, firearms and ammunitions
10. Political candidates or political organizations
11. Pornography goods/stores, Companion / Escort Services, Dating Services/ Matchmaker services, Online Adult Membership, Adult Book Stores, Adult Telephone Conversations
12. Lotteries, raffles
13. Replica merchandise
14. Companies engaged in financial services which are not regulated by RBI/any other regulatory body or where relevant licenses are not available even though required.
15. Body parts, which includes organs or other body parts – live, cultured/preserved or from cadaver
16. Endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction
17. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property
18. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or anywhere else.
19. Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances.
20. Live animals or hides/skins/teeth, nails and other parts etc. of animals.
21. Merchant establishments where the promoter/partner/proprietor/owner’s name appear in the RBI Defaulters/negative list/Bank’s internal negative list or such other list which may be published by the bank from time to time
22. Selling products that are illegal or breach any law or regulation in the jurisdiction of the Acquirer or Aggregator or Sub-Merchant or Cardholder
23. Lobby groups
24. Merchants engaged in products or services where specific licenses are required to operate in local jurisdiction
25. Tobacco, cigar and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products
26. Entities engaged in chit funds / unauthorized financial schemes
27. Entities owned by politically exposed persons (Promoters/Owners)
28. International merchants not having local presence in India
29. Airlines & Aggregators
30. Mining / Oil drilling & refining
31. Credit repair companies /debt consolidation firms
32. Houses of worship (e.g., churches, temples etc. for donations) / Fund raising by Political, religious organizations or institutions / Charities or Non-profit organizations
33. Money Changers, Remittance Services, Money Transmitter, Check Cashing Business, Currency Exchange
34. P2PM Merchants MCC 7407