Banned Categories

Following is a list of categories which are banned for accepting payments online. If any of the merchants is found accepting payments on the following categories, then it would be heavily penalized along with the termination of services.

  1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services; Website access and/or website memberships of pornography or illegal sites;
  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;
  4. Bulk marketing tools which includes 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 includes 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; 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 like salvia and magic mushrooms;
  11. Drug test circumvention aids which includes 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. Skill based games can be allowed on case to case basis.
  14. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles;
  15. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property;
  16. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts;
  17. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes;
  18. Offensive goods which includes literature, products or other materials that:
    • Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors;
    • Encourage or incite violent acts; or
    • 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, combustibles, corrosives and hazardous materials which includes explosives and related goods; toxic, flammable, and radioactive materials and substances;
  21. Regulated goods which includes 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. Securities which includes government bonds or related financial products;
  23. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products;
  24. Traffic devices which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products;
  25. Weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments;
  26. Wholesale currency which includes discounted currencies or currency exchanges;
  27. Live animals or hides/skins/teeth, nails and other parts etc. of animals;
  28. Multi-level marketing collection fees;
  29. Matrix sites or sites using a matrix scheme approach;
  30. Work-at-home approach and/or work-at-home information;
  31. Drop-shipped merchandise;
  32. 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;
  33. 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;
  34. Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. web-based telephony, website supplying medicines or controlled substances, website that promise online match-making);
  35. Businesses out rightly banned by law (e.g. betting & gambling/ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste/communal tensions, lotteries/sweepstakes & games of chance;
  36. The User who deal in intangible goods/ services (eg. software download/ health/ beauty Products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes;
  37. Any other product or service, which in the sole opinion of either the the Acquiring 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 User from time to time. This shall be without prejudice to any other terms & conditions mentioned in these Terms of Use;
  38. Mailing lists;
  39. 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;
  40. Money laundering services;
  41. Database providers (for tele-callers);
  42. Bidding/auction houses;
  43. Activities prohibited by the Telecom Regulatory Authority of India; and
  44. Any other activities prohibited by applicable law.

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