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Global Prohibited & Restricted Businesses

Effective from Dec 04, 2023
Some industries may not be allowed to work with Rapyd in order to meet our internal and external obligations. This is based on a range of factors including but not limited to the following:

  • Applicable laws and regulations
  • Requirements of Rapyd’s payment partners
  • Rapyd’s internal risk assessment methodologies

The list below shows the products and services that are restricted or prohibited from using Rapyd services.

  • Restricted – Rapyd will require additional documentation prior to onboarding.
  • Prohibited – Business or service is prohibited from using Rapyd’s services. When entering into an agreement with Rapyd and using Rapyd’s services you are confirming that you are not offering or are affiliated to the products or services listed as prohibited.

The types of businesses listed are representative, but not exhaustive. Rapyd may in its sole discretion decide to restrict or prohibit any other categories, products or services not listed below. If you require additional information, please speak to your Rapyd representative or email us at

Adult Pornography (child abuse, bestiality, rape, or any other non-consensual sexual behaviour)

Escort Services / Sale or advertising of sexual services

Streaming including uploads of content that cannot be monitored or vetted

Gentlemen’s clubs; Lap/erotic dancing / strip clubs

Affiliations & Organisations Entities that are deemed to promote/condone abuse, hatred, racism, religious persecution, terrorism, violence, or offensive content
Counterfeit / Replica Goods / Intellectual Property infringement Counterfeit goods span across multiple industries including, but not limited to:

Apparel and accessories

Automobile parts

Consumer goods, toys, and electronics

Computer hardware/software

Illicit streaming devices

Video Games

Modification chips to break encryption of products


Medical devices and tests e.g. dentist drill bits, contraception, etc.

Tobacco products

Cyberlockers Provides rewards, cash payments or other incentives. Provides URL codes to uploaders to facilitate sharing and the incorporation of such links on third party indexing or linking websites

File owners are typically anonymous, not required to provide identifying information and not aware of the identity of users who have access to or view their files

Financial Services Loan modification / Credit repair

Debt Collection (uncollectable debt)

Pawn shops

Gambling / Gaming Transactions from unlicensed financial product or trading platforms are prohibited, incorporating:

Contracts for Difference

Binary options and synonymous products

Rolling spot forex trading

Financial spread betting

Illegal or miscoded gambling

High Pressure Sales Unsolicited vendors with immediate payment required or threat of price increases

Targeting of vulnerable customers and preying on worries and concerns

Illegal Activity Any illegal product and or service is prohibited

Products sold must be legal in both the merchant’s jurisdiction and the consumers jurisdiction if goods are despatched cross border

Illegal products / services (list below is not exhaustive);
Designer drugs/ Street drugs which are synthetic, chemical analogue of controlled substances, intended to imitate their psychoactive or stimulating effects e.g. Peptide, K2, Salvia Divonorum and may be marketed as incense/potpourri/bath salts.

Sites selling pharmaceuticals without a prescription (cancer drugs, steroids, etc.)

Peripheral products / services that support illegal activities (drug paraphernalia including seeds for cannabis plants etc.)

Wildlife Trade

Mail Order Brides

Poisonous or hazardous materials

Surrogacy services

Trade of weapons, ammunitions, military armaments, explosive devices, and firearm parts

Human remains and body parts

Human trafficking

Child exploitation

Investment Opportunities Pyramid / Ponzi type schemes with reliance upon a continual stream of new participants.

Investment schemes that offer or promise high rewards

Get rich quick schemes

Lifetime Products One off payments for e.g.


Lifetime Guarantees

Lifetime Memberships / clubs

Medical Diagnostics / Devices Sale of products that have not been approved or verified by an appropriate regulatory body
Nutraceuticals Sale of products that make health claims, or performance enhancements, that have not been approved or verified by an appropriate regulatory body
Penny Auctions Purchase of bid credits

Open ended auctions

Repeat / automated bids

Sanctions Goods and services likely to breach regulatory sanctions and embargoes; customers and or jurisdictions
Shell Banks and Companies / Bearer shares Banks or companies established to obscure the origin of funds
Potentially Deceptive Marketing Merchants engaged in any form of deceptive marketing that may have the effect of confusing, misleading, or defrauding cardholders, including but not limited to:

Processing transactions without the explicit consent of the cardholder

Making indirect or direct false claims about a product or service

Failing to disclose material information about a product or service


Adult Adult entertainment, website or contents including but not limited to:

Video texting or paid subscriptions to live-streaming where it involves adult erotic content or conversations

Sex toy shops

Male or female sexual enhancement supplements or products

Cannabidiol (CBD) CBD related products and businesses
Financial Services Financial services, including but not limited to:

Money transmitters / money services businesses

Investment and brokerage services

Insurance services lending services

Buy NowPay Later services

Payroll servicesNeobanks / challenger banks

Binary Options

Cryptocurrency / virtual currency service providers

Gaming Games of skill where participants receive cash or cash-equivalent prizes
Video game or virtual world credits
Gambling Fantasy sports leagues, e-sports gaming or tournaments
Gambling providers or transactions including games of chance
Government owned lotteries
Marketing Multi-Level Marketing; Affiliate Marketing
Not-For-Profit Charities or not-for-profit organizations
Medical Devices and Telemedicine
Drugs and pharmaceuticals (drugs, drug proprietaries, druggist sundries, drug stores, pharmacies)
Regulated medical devices
Private medical practice and/or online doctor consultation (E-doctor)
Tobacco Tobacco / cigar / electronic cigarette / nicotine content products
Travel Airlines
Online Travel Aggregators (OTAs)
Ticketing agencies
Others Gig economy
Gold and precious metal dealers
Import / Export businesses
Online dating services
Products or services related to religious, political, or social campaigning
Remote computer assistance
Maritime/logistics/supply chain
Signal jammers/blockers that interfere with cellular/communication devices
Tattoo parlors
E-learning, online tuition
Bankruptcy lawyers