Eligibility criteria - Updated Nov 2025

Accepted Business Categories by RoxPay

To comply with local and international regulations and the requirements of our payment partners, some business categories are subject to restrictions or are not eligible. Review the complete list before starting your onboarding.

Accepted - Standard
Restricted - Additional documents required
Prohibited - Not eligible

How to read this list: The "Merchant" and "Platform/Partner" columns indicate the status for each business model.  R P Activities not listed here are considered accepted by default.

Adult goods (excluding fetish products)
Merchant: R
Platform / Partner: R
Fetish products
Merchant: P
Platform / Partner: P
Content of a sexual nature: books, magazines, audio, videos, websites, streaming services
Merchant: P
Platform / Partner: P
Sexual entertainment: adult clubs, topless bars, strip clubs, sexually-oriented massage parlors, saunas, escort agencies
Merchant: P
Platform / Partner: P
Bearer share entities
Merchant: P
Platform / Partner: P
Binary options
Merchant: P
Platform / Partner: P
Buy Now Pay Later and installment payment methods
Merchant: R
Platform / Partner: P
Credit repair and credit protection businesses
Merchant: P
Platform / Partner: P
Debt repayment and collection agencies
Merchant: R
Platform / Partner: P
E-wallet or e-money convertible to physical or digital goods and services
Merchant: R
Platform / Partner: P
Financial service or money service business (traveler checks, money orders, foreign exchange, check cashing, cash advances from non-financial institutes)
Merchant: R
Platform / Partner: P
Fines or penalty collections of any kind
Merchant: R
Platform / Partner: R
Independent or unlicensed financial advisors
Merchant: P
Platform / Partner: P
Life insurance sales and services
Merchant: R
Platform / Partner: P
Non-life insurance sales and services
Merchant: R
Platform / Partner: R
Money transfer and remittance businesses
Merchant: R
Platform / Partner: P
Payday loans, unsecured loans and loans from non-FDIC insured banks
Merchant: P
Platform / Partner: P
Payroll, invoice and business services
Merchant: R
Platform / Partner: P
Provider or seller of prepaid access or stored value
Merchant: R
Platform / Partner: P
Shell banks
Merchant: P
Platform / Partner: P
Counterfeit products, replicas or products designed to infringe intellectual property
Merchant: P
Platform / Partner: P
Essay mills and paper mills intended for academic fraud
Merchant: P
Platform / Partner: P
Products designed to circumvent copyright protection or facilitate unauthorized use of protected material
Merchant: P
Platform / Partner: P
Use of RoxPay's logo or intellectual property without explicit permission
Merchant: P
Platform / Partner: P
Business investment opportunities operating as 'get rich quick schemes'
Merchant: P
Platform / Partner: P
Business models using ransom or extortion practices
Merchant: P
Platform / Partner: P
Business practices designed to evade chargeback monitoring programs
Merchant: P
Platform / Partner: P
Data Pass
Merchant: P
Platform / Partner: P
Deceptive marketing tactics: false claims, pre-checked opt-ins, poorly disclosed negative options
Merchant: P
Platform / Partner: P
Fake references and other services or products fostering deception
Merchant: P
Platform / Partner: P
Inbound telemarketing for postcards or mailings
Merchant: P
Platform / Partner: P
Products or services promoting hate, violence, discrimination, terrorism, harassment or abuse
Merchant: P
Platform / Partner: P
Pyramid selling, chain letters and other financial scams
Merchant: P
Platform / Partner: P
Crowdfunding
Merchant: R
Platform / Partner: R
Non-profit organizations (NPOs)
Merchant: R
Platform / Partner: R
Airlines
Merchant: R
Platform / Partner: P
Ancestry research
Merchant: R
Platform / Partner: R
Animals and wildlife products classified as endangered or protected
Merchant: P
Platform / Partner: P
Art dealers and galleries
Merchant: R
Platform / Partner: R
Auction houses
Merchant: R
Platform / Partner: R
Bail bonds and bankruptcy lawyers
Merchant: P
Platform / Partner: P
Bidding fee and penny auctions
Merchant: P
Platform / Partner: P
Casual dating services
Merchant: R
Platform / Partner: P
Car and truck rental, sales, importers and car parts
Merchant: R
Platform / Partner: R
Certain social media businesses (e.g. click farms)
Merchant: P
Platform / Partner: P
Cloud storage, VPN, file sharing, non-high-risk cyber lockers, domain hosting
Merchant: R
Platform / Partner: R
Cruise lines
Merchant: R
Platform / Partner: R
Detective agencies
Merchant: P
Platform / Partner: P
Direct marketing, inbound teleservices, outbound telemarketing, travel-related services, door-to-door sales
Merchant: R
Platform / Partner: P
Drop shipping
Merchant: R
Platform / Partner: R
Government services (e.g. embassies or consulates)
Merchant: R
Platform / Partner: P
Hazardous materials B2B (hydrofluoric acid, cyanide, ODS, nitric acid, peptides, bacterial cultures)
Merchant: R
Platform / Partner: R
Hazardous materials B2C (as described above)
Merchant: P
Platform / Partner: P
Health practitioners, private medical practices, e-doctors, dental and medical services
Merchant: R
Platform / Partner: R
High-value fashion, shoes, bags and accessories
Merchant: R
Platform / Partner: R
High-risk cyber lockers
Merchant: P
Platform / Partner: P
Human body parts or bodily fluids (excluding hair and teeth)
Merchant: P
Platform / Partner: P
Internet product and service providers
Merchant: R
Platform / Partner: R
Intravenous therapy (e.g. IV drip bars, vitamin infusions, hangover cures)
Merchant: P
Platform / Partner: P
Jewelry, watches, precious stones, metals and silverware stores
Merchant: R
Platform / Partner: R
Key-entry telecom merchants
Merchant: P
Platform / Partner: P
Live-streaming services without in-app currency
Merchant: R
Platform / Partner: R
Live-streaming services with in-app currency
Merchant: R
Platform / Partner: P
International matchmaking and mail-order spouse services
Merchant: P
Platform / Partner: P
Medical, dental, ophthalmic and hospital equipment and supplies
Merchant: R
Platform / Partner: R
Medical spas
Merchant: R
Platform / Partner: R
Nutraceuticals and food products (non-high-risk, excluding CBD and kava kava)
Merchant: R
Platform / Partner: R
Nutraceuticals and food products (high-risk, including CBD and kava kava)
Merchant: R
Platform / Partner: P
Pawn shops
Merchant: P
Platform / Partner: P
Political campaigning
Merchant: R
Platform / Partner: R
Real estate services
Merchant: R
Platform / Partner: R
Pseudoscience services (e.g. clairvoyance, horoscopes)
Merchant: R
Platform / Partner: R
Social or religious campaigning
Merchant: R
Platform / Partner: R
Standalone tipping services
Merchant: R
Platform / Partner: R
Telemarketing companies selling products as agents for third parties
Merchant: P
Platform / Partner: P
Ticket agencies
Merchant: R
Platform / Partner: R
Timeshare and timeshare maintenance
Merchant: R
Platform / Partner: R
Travel agents and tour operators
Merchant: R
Platform / Partner: R
Veterinary practices
Merchant: R
Platform / Partner: R
Alcohol sales
Merchant: R
Platform / Partner: R
Cannabis (Canada only)
Merchant: R
Platform / Partner: R
Drugs, paraphernalia, illegal drugs, substances mimicking illegal drugs and psychoactive products
Merchant: P
Platform / Partner: P
Illegal products or services, including illegal gambling services
Merchant: P
Platform / Partner: P
Legal gambling or skill games with cash or equivalent prizes (casinos, poker, bingo, slots, betting, lotteries, fantasy sports)
Merchant: R
Platform / Partner: P
Products or services specifically designed to create or produce drugs
Merchant: P
Platform / Partner: P
Pharmaceuticals, prescription medicines and medical devices (including animal pharmaceuticals)
Merchant: R
Platform / Partner: R
Tobacco, e-cigarettes, e-liquids and vaping products (domestic or retail sales)
Merchant: R
Platform / Partner: R
Tobacco, e-cigarettes, e-liquids and vaping products (online sales)
Merchant: R
Platform / Partner: P
Trade in fireworks, flammable or radioactive materials
Merchant: P
Platform / Partner: P
Trade in weapons, ammunition, military arms, explosive devices and firearm parts
Merchant: P
Platform / Partner: P
Any type of US-based gambling services
Merchant: P
Platform / Partner: P
Cryptocurrency exchanges
Merchant: R
Platform / Partner: P
High-risk securities: CFD, financial spread betting, ICO, forex options, crypto options, trading and crypto purchases
Merchant: R
Platform / Partner: P
Security brokers and investments of any kind (stocks, currencies, derivatives, commodities, options, precious metals)
Merchant: R
Platform / Partner: P
Aggregators, including marketplaces and platforms
Merchant: R
Platform / Partner: P
Staged Digital Wallet Operators
Merchant: R
Platform / Partner: P
Payment facilitators or other internet payment service providers (IPSP or MPS)
Merchant: R
Platform / Partner: P
Payment service companies (peer-to-peer, bill payments, commissary accounts)
Merchant: R
Platform / Partner: P
Decryption and descrambling products, devices designed to block or jam cellular communications
Merchant: P
Platform / Partner: P

Important notes

  • • This list is subject to periodic updates. Additional restrictions may apply based on jurisdiction, payment method or scheme rules (e.g. Visa, Mastercard).
  • • RoxPay's acceptance of a category does not imply approval of the legality of the merchant's products or services.
  • • The merchant remains solely responsible for ensuring that their products and services comply with applicable laws.
  • • For restricted activities (R), contact our onboarding team to find out what documentation is required.

Have questions about onboarding?

Our compliance team is available to guide you through the required documentation and verify your business eligibility.

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