Prohibited and Restricted Businesses
Following are the list of products and services that are restricted by Zoho Payments. You understand that the prohibited products and services listed herein are only illustrative and not exhaustive.
Prohibited Businesses
You must not use Zoho Payments’ services for the following activities.
Illegal products and services
- Illegal drugs, substances designed to mimic illegal drugs, and equipment designed for making or using drugs
- Fake references or ID-providing services
- Telecommunications manipulation equipment including jamming devices
- Any business or organization that a. engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property, or b. engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
- Any other products or services that are in violation of law in the jurisdictions where your business is located or targeted to
Products and services that infringe intellectual property rights
- Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorization
- Counterfeit goods; illegally imported or exported products
- Unauthorized sale of brand name or designer products or services
- Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary or privacy rights of any third party
Products and services that are unfair, predatory, or deceptive
- Pyramid schemes
- ‘Get rich quick’ schemes including: investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up front work; sites that promise fast and easy money; businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, and/or use fake testimonials; (with or without a written contract) offering unrealistic incentives/rewards as an inducement to purchase products or services but do not respond to any queries after the purchase
- No value added services including sale or resale of a service without added benefit to the buyer and resale of government offerings without authorization or added value
- Sales of online traffic or engagement
- Negative response marketing and telemarketing
- Predatory mortgage consulting, lending, credit repair and counseling services
- Predatory investment opportunities with no or low money down
- Remote technical support; mugshot publication or pay-to-remove sites; essay mills; chain letters; door-to-door sales
- Any other businesses that Zoho Payments considers unfair, deceptive, or predatory towards consumers
Adult content and services
- Pornography and other mature audience content (including literature, imagery and other media) depicting nudity or explicit sexual acts
- Adult services including prostitution, escorts, pay-per view, sexual massages, and adult live chat features
- Adult video stores
- Gentleman's clubs, topless bars, and strip clubs
- Sex toys
- Sexually oriented dating services
Certain legal services
- Law firms collecting funds for purposes other than legal service fee payment
- Bankruptcy attorneys
- Bail bonds
Firearms, explosives and dangerous materials
- Guns, gunpowders, ammunitions, weapons, fireworks and other explosives
- Peptides, research chemicals, and other toxic, flammable and radioactive materials
Gambling
- Games of chance including gambling, internet gambling, sweepstakes and contests, fantasy sports leagues with for a monetary or material prize
- Sports forecasting or odds making with a monetary or material prize
- Lotteries
- Bidding fee auctions
Marijuana
- Cannabis products
- Cannabis dispensaries and related businesses
- Products containing any amount of CBD/THC
Misuse of Zoho Payments products
- Use of Zoho Payments products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by Zoho Payments (you must inform us immediately of any changes to your personal and business information)
- Use of Zoho Payments products to facilitate transactions on behalf of another undisclosed merchant or for products/services that were not disclosed in the merchant's Zoho Payments account application
- Use of Zoho Payments principally as a virtual terminal (e.g., submitting card transactions by manually inputting card information)
- Processing where there is no bona fide good or service sold, or donation accepted; card testing
- Evasion of card network chargeback monitoring programs
- Cross-border acquiring where the business address of the merchant is outside of the jurisdiction of the acquiring Zoho Payments entity unless permitted under the card network rules
- Sharing cardholder information with another merchant for payment cross-sell products or services
The types of businesses listed are representative but not exhaustive.
Additional Prohibitions
- Extended warranties and subscriptions over one year
- Unregistered charities
Restricted Businesses
You must not use Zoho Payments’ services for the following activities, unless you have received our prior written approval. Restricted Business categories may be imposed through card network rules, requirements of financial partners, or due to compliance and legal obligations. If your business falls into one of the restricted categories, please Contact us. We are here to help!
Regulated industries such as:
Financial products and services
- Investment and brokerage services
- Lending services
- Buy Now Pay Later services
- Crowdfunding
- Debt collection agencies
- Insurance services including medical benefit packages
- Money transmitters, currency exchange services and other money services businesses
- Neobanks / challenger banks
- Other financial institutions
Government services
- Government grants
- Embassy, foreign consulate, or other foreign governments
Pharmaceuticals and telemedicine
- Online pharmacies
- Prescription-only products including card-not-present pharmaceuticals
- Telemedicine and telehealth services
Tobacco
- Tobacco products including e-cigarettes and e-liquid
Others
- Credit card and identity theft protection services
- Other age restricted goods or services
Businesses that may pose elevated financial risk such as:
Travel
- Travel reservation services and clubs
- Airlines and cruises
- Timeshare services
Non-fiat currency and stored value
- Virtual and cryptocurrencies, non-fungible tokens (NFTs), and mining services
- Prepaid phone cards, sim cards, and phone services
- Prepaid phone cards, sim cards, and phone services
- Sale of stored value or credits maintained, accepted and issued by anyone other than the seller
- Sale of in-game currency or game items, unless the merchant is the operator of the virtual world
Business models that may be particularly prone to abuse by ‘bad actors’ such as:
Multi-level marketing
- Businesses where sellers get their revenue both from selling items and from signing up new sellers
- Network marketing and referral marketing programs
- Shipping and forwarding brokers
Shipping
- Shipping brokers
- Forwarding brokers
- Drop shipping
Others
- Charity sweepstakes and raffles for the explicit purpose of fundraising