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Prohibited & Restricted Businesses

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Prohibited and Restricted Businesses

You must not use Malakat Pay’s services for the following activities:

1. Prohibited and Restricted Businesses

  • Illegal drugs, substances designed to mimic illegal drugs and equipment designed for making or using drug

  • Fake references or ID-providing services

  • Telecommunications manipulation equipment including jamming devices

  • Any business or organization that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property, towards 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 jurisdiction where your business is located or targeted to c

2. Product 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; 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 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 Malakat Pay considers unfair, deceptive, or predatory towards consumers

3. 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

4. Certain legal services

  • Law firms collecting funds for purposes other than legal service fee payment

  • Bankruptcy attorneys

  • Bail bonds

5. Firearms, explosives and dangerous materials

  • Guns, gunpowders, ammunitions, weapons, fireworks and other explosives

  • Peptides, research chemicals, and other toxic, flammable and radioactive materials

6. 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

7. Marijuana

  • Cannabis products

  • Cannabis dispensaries and related businesses

  • Products containing any amount of CBD/THC

8. Misuse of Malakat Pay Products

  • Use of Malakat Pay products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by Malakat Pay (you must inform us immediately of any changes to your personal and business information)

  • Use of Malakat Pay products to facilitate transactions on behalf of another undisclosed merchant or for products/services that were not disclosed in the merchant's Malakat Pay account application

  • Use of Malakat Pay 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 Malakat Pay entity unless permitted under the card network rules

  • Sharing cardholder information with another merchant for payment cross-sell products or services

  • Use of Malakat Pay intellectual property without prior written consent from Malakat Pay; use of the Malakat Pay name or logo including use of Malakat Pay trade or service marks inconsistent with the Malakat Pay Marks Usage Agreement, or in a manner that otherwise harms Malakat Pay or the Malakat Pay brand; any action that implies an untrue endorsement by or affiliation with Malakat Pay

List of Additional Jurisdiction-Specific Prohibitions

  • Marketing lead generation services

  • Unregistered charities

  • Alcohol

  • Dating and matchmaking services

  • Lobby groups, political organizations

  • Mining and oil drilling

  • Sex toys

  • Sexually oriented dating services

  • Animals

  • Donation to individuals

  • Fundraising for or financing businesses that are listed as prohibited /restricted above

  • C2C services outside of Malakat Pay Connect

  • Health instruments

  • Industrial waste disposal and garbage disposal devices;water purifiers

  • International marriage brokerage businesses

  • Adoption agencies

  • Credit card and identity theft protection services

  • Cross-border currency exchange services

  • Debt collection agencies

  • Direct marketing-travel

  • Electronic cigarettes for card-not-present transactions

  • Ephedrine

  • Game console modification devices

  • HCG weight loss

  • Investment services

  • Penny auctions

  • Pharmaceuticals wholesale for card-not-present transactions

  • Search engine optimization

  • Telemedicine

  • Tobacco for card-not-present transactions

  • Marketing lead generation services

  • Sale of ads for any products or services deemed illegal;sales of products that facilitate payments to any of these products or services

  • Psychic services and fortune tellers

  • Vehicle sales

  • Vitamins

  • Historical artifacts

  • Dating services

  • Surrogacy services

  • Online alcohol sales

  • Timeshares

  • Private investigators protection services and detective agencies

  • Historical artifacts, ivory products, prison-made products

  • Extended warranties and subscriptions over one year

Restricted Businesses

You must not use Malakat Pay’s 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.

Regulated industries such as:

1. Financial products and services

  • Investment and brokerage services

  • Lending services

  • Debt collection agencies

  • Insurance services including medical benefit packages

  • Money transmitters, currency exchange services and other money services businesses

  • Noebanks/ challenger banks

  • Other financial institutions

2. Government services

  • Government grants

  • Embassy, foreign consulate, or other foreign governments

3. Pharmaceutical, medical devices and telemedicine

  • Online pharmacies

  • Prescription-only products including card-not-present pharmaceuticals

  • Prescription-only and regulated medical services

  • Telemedicine and telehealth services

4. Tobacco

  • Tobacco products including e-cigarettes and e-liquid

5. Others

  • Credit card and identity theft protection services

  • Other age restricted goods or services

Businesses that may pose elevated financial risk as:

Travel

  • Travel reservation services and clubs

  • Airlines and cruises

  • Timeshare services

Non-flat currency and stored value

  • Virtual and cryptocurrencies, non-fungible tokens (NFTs), and mining services (for crypto and NFT supportability and availability by region)

  • 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

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