Prohibited and Restricted Products and Services

Our eligibility criteria:

To meet internal and external obligations, some industries may be prohibited or restricted from working with lddPay. This is based on a range of factors including but not limited to the following:

Local, national and international laws.
Requirements of our payment partners (e.g. card networks).
Level of assessed risk (e.g. chargebacks, fraud).
Reputational impact to lddPay and cost aspects associated with this.

Additional restrictions and/or prohibitions to this list may be applicable.

This can be due to including, but not limited to legality of certain products in certain jurisdictions, use of payment methods, applicability of scheme rules or compatibility with lddPay’s Platform Solutions.

If you require additional information about the specific onboarding requirements and restrictions applicable to your business, please talk to your lddPay representative or get in touch.

Business Model

Depending on your business model product or services restrictions or prohibitions may apply. First, define if you are operating a ‘Merchant’ business model or a ‘Platform / Partner business’. Then check if any restrictions or prohibitions are applicable to your business in the list in the next section.

Merchant	Platform / Partner business
A business that sells products / services to its customers in its own name and on its own responsibility	Any partner or platform merchant connected to lddPay enabling another party (third party or lddPay sub-merchant) to use the lddPay services to sell their products and services through the services of such platform or partner. If your business is connected to lddPay through a Platform / Partner business, the restrictions in this category also apply to you.
E.g. a grocery store or online retailer that sells products from various brands. Includes franchisees	E.g. a marketplace / platform, staged digital wallet operator, payment facilitator. Restrictions also apply to sub-sellers.

Restricted and Prohibited Products and Services

The list below shows all the products and services that are restricted or prohibited from using lddPay services for ‘Merchant’ business models and ‘Platform / Partner business’ models.

This symbol indicates that your products or services offering is restricted. We will require additional documentation prior to onboarding. When lddPay agrees to provide its services for a broad category of services (e.g. DVDs) it does not imply that consent is given for subcategories within that category which are prohibited or restricted as per this list (e.g. counterfeit DVDs). The fact that lddPay agrees to provide its services for a particular product or service should not be interpreted as an advice or opinion as to the legality of a merchant’s products and services and of the intended use of the services therefore. Merchant is and remains solely responsible to ensure that their products and services and those of their affiliates are compliant with Applicable Laws, regulations and scheme rules.

This symbol indicates that the business or service is prohibited from using lddPay’s services. When entering into an agreement with lddPay and using lddPay’s services you are confirming that you are not offering or are affiliated to the products or services listed as prohibited.

The scheme owners of local payment methods may have more stringent restrictions with respect to certain products or services. Businesses should check current restrictions or prohibitions applicable to the relevant payment method when using it to ensure compliance.

If you require additional information about the onboarding requirements and restrictions applicable to your business talk to your lddPay representative or get in touch.

Adult

	Merchant	Platform / Partner Business
Adult goods (excluding fetish products)	R	R
Fetish products	P	P
Buy now pay later / Installment payment methods	R	P
Credit repair and credit protection business	P	P
Debt repayment and collection agency	R	R
E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world	R	P
Financial service or money service business, including but not limited to: traveler checks, money orders, Foreign Exchange, check cashing, virtual currencies, and cash advances by non-financial institutes	R	P
Fines or penalty collections of any kind	R	R
Independent or unlicensed financial advisors	P	P
Insurance sales and services (life)	R	P
Insurance sales and services (non-life)	R	R
Money transfer and remittance businesses	R	P
Payday loans, unsecured loans and loans originating from non FDIC insured banks	P	P
Payroll, invoice and business services	R	P
Provider or seller prepaid access/stored value	R	P
Shell banks	P	P

Financial Businesses

	Merchant	Platform / Partner Business
Bearer share entities	P	P
Binary options	P	P
Buy now pay later / Installment payment methods	R	P
Credit repair and credit protection business	P	P
Debt repayment and collection agency	R	R
E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world	R	P
Financial service or money service business, including but not limited to: traveler checks, money orders, Foreign Exchange, check cashing, virtual currencies, and cash advances by non-financial institutes	R	P
Fines or penalty collections of any kind	R	R
Independent or unlicensed financial advisors	P	P
Insurance sales and services (life)	R	P
Insurance sales and services (non-life)	R	R
Money transfer and remittance businesses	R	P
Payday loans, unsecured loans and loans originating from non FDIC insured banks	P	P
Payroll, invoice and business services	R	P
Provider or seller prepaid access/stored value	R	P
Shell banks	P	P

Intellectual Property (IP)

	Merchant	Platform / Partner Business
Counterfeit products, replicas or designed infringements of them including products designed to circumvent IP	P	P
Essay mills, paper mills where the intent is to falsely submit documents as their own work	P	P
Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted material	P	P
The use of lddPay’s logo and IP without express permission or in a way that creates reputation risk for lddPay	P	P

Marketing Practices

	Merchant	Platform / Partner Business
Business investment opportunities operating as ‘get rich quick schemes’	P	P
Business models that use ransom or extortion like practices	P	P
Business practices that are designed to evade excessive chargeback monitoring programs	P	P
Data Pass	P	P
Deceptive marketing tactics related to disclosure, false or inaccurate claims, before/after claims, endorsements, cancellation or refunds avoidance, pre-checked opt-ins, poorly disclosed negative options, misappropriation of incentives, disproportionate rebates, sweepstakes	P	P
Fake references and other services or products that foster deception	P	P
Inbound telemarketing for postcard or mailings	P	P
Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or form	P	P
Pyramid selling, chain letters or other financial scams	P	P

Not-for-Profit

	Merchant	Platform / Partner Business
Charities	R	R
Crowdfunding	R	R

Other Products and Services

	Merchant	Platform / Partner Business
Airlines	R	P
Ancestry research	R	P
Animals and wildlife products classified as endangered or protected	P	P
Art dealers and galleries	R	R
Auction houses	R	R
Bail bonds and bankruptcy lawyers	P	P
Bidding fee and penny auctions	P	P
Casual dating services	R	P
Car and truck rental / sales / importers / car parts	R	R
Certain social media business (e.g. click farms)	P	P
Cloud storage, VPN, file sharing, (high-risk) cyber lockers	R	P
Cruise Lines	R	R
Direct Marketing, Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalog merchants, door-to-door sales	R	P
Drop shipping	R	R
Governmental services, such as embassies or consulates	R	P
Hazardous materials (B2B), including but not limited to: Hydrofluoric acid, products containing cyanide, prohibited ozone-depleting substances (ODS), nitric acid, peptides, research chemicals, and bacteria cultures or other products containing E-coli or Escherichia coli	R	R
Hazardous materials (B2C), as described above	P	P
Health practitioners, private medical practices, e-doctors, dental/medical services and facilities	R	P
Human body parts or bodily fluids (excluding hair and teeth)	P	P
Internet product and service providers	R	P
Intravenous therapy (e.g .IV drip bar, vitamin infusions, hangover cures)	P	P
Jewelry, watch, precious stones, metals and silverware stores	R	R
Key-entry telecom merchant	P	P
Live-streaming Services without in-app currency	R	R
Live-streaming Services with in-app donations functionality	R	P
Mail order spouse or international match-making services	P	P
Medical, dental, ophthalmic and hospital equipment and supplies	R	R
Nutraceuticals and food products, not including highly regulated products such as CBD and kava kava	R	R
Nutraceuticals and food products (highly regulated), including, but not limited to CBD and kava kava related products	R	P
Pawn shops	P	P
Political, religious or Social Campaigning	R	R
Real estate services	R	R
Services associated with pseudoscience (e.g. clairvoyance, horoscopes)	R	R
Telemarketing companies selling products or services as an agent for a third party	P	P
Ticket agencies	R	R
Timeshare and timeshare maintenance	R	R
Travel agents and tour operators	R	R
Veterinary practices	R	R

Regulated

	Merchant	Platform / Partner Business
Alcohol sales	R	R
Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products	P	P
Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling services	R	P
Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients	P	P
Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)	R	R
Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (domestic sale)	R	R
Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)	R	P
Trade of fireworks, flammable or radioactive materials	P	P
Trade of weapons, ammunitions, military arms, explosive devices and firearm parts	P	P
Any type of US based gambling services	P	P

Securities and Trading

	Merchant	Platform / Partner Business
Cryptocurrency exchange	R	P
High-risk securities such as: contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, and trading, and purchases	R	P
Security brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments	R	P

Third Party Payment Processing

	Merchant	Platform / Partner Business
Aggregators, including but not limited to marketplaces, platforms	R	P
Staged Digital Wallet Operators	R	P
Payment Facilitators or other internet payment or member service providers (IPSP or MPS)	R	P
Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts	R	P

Technology

	Merchant	Platform / Partner Business
Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications	P	P

Prohibited and Restricted Products and Services