Business categories subject to restrictions

Restricted activities and businesses are eligible for onboarding; however they require additional information, enhanced due diligence, and mitigation measures. Operations may be tailored or limited to ensure compliance with applicable jurisdictional regulations.

We support businesses across a broad range of industries. Some sectors are inherently high-risk due to factors including, regulatory requirements, transaction complexity, or increased compliance obligations.

Being categorised as a high-risk industry does not mean your business is excluded. Instead, it means we apply enhanced due diligence during onboarding and pricing approach to ensure a secure, compliant, and scalable partnership.

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High risk industries

Charities

Auctions

Casual dating services

Educational seminars

Home furnishing

Gambling and lotteries

Employment agencies

Discount vouchers

Plastic surgeries, reconstructive surgeries and cosmetic surgeries

Tobacco products, smoking and vaping supplies

CBD/hemp-related food and products

Governmental services, such as embassies or consulates

E-wallet or e-money that can be monetized, resold, or converted to physical/digital goods and services or exit the virtual world

Gaming, bidding fee auctions; sports forecasting, or odds making; fantasy sports leagues with cash prizes; internet gaming

Real estate services which involve buying, selling, renting, or managing properties; covering residential, commercial, and land

Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts

Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)

High-risk securities such as CFDs, spread betting, ICOs, forex and cryptocurrency options

Telemarketing companies selling products or services as an agent for a third party

Payroll processing and invoice processing services (not including subscription services)

Aggregators, including but not limited to marketplaces, platforms

High value jewellery, watches, precious stones, metals and silverware stores

Cloud storage, hosting, file sharing, (high-risk) cyber lockers

Money transfer & remittance businesses

Debt repayment and collection agency

High value art dealers and galleries

Immigration & Visa applications services

Medical tests and medical devices

Nutraceuticals

Live-streaming services

Insurance sales and services

Multi-level marketing

Prepaid access/stored value

Virtual currency or stored value

Airlines

Alcohol sales

Ticket agencies

Travel and tour operators

Drop shipping

Why enhanced due diligence (EDD)?

Businesses operating in high-risk industries are required to complete Enhanced Due Diligence (EDD) as part of the onboarding process. This is a standard practice for any financial institution and helps us gain a deeper understanding of your operations and risk profile.

EDD allows us to assess how we can best support your business while meeting regulatory and compliance standards. EDD means obtaining more detailed information and carrying out stricter ongoing monitoring of the business relationship that pose a higher business risk

All applications are reviewed individually, and approval decisions are made on a case-by-case basis. Additionally, some high-risks businesses require approval from and registration with our payment partners.

Custom pricing and rates

Due to the additional monitoring, compliance oversight, and operational requirements associated with high-risk industries, these businesses are subject to custom pricing.

We work with you to arrange pricing that is aligned with your specific business model and transaction profile.

Pricing considerations may include:

Industry classification and service offering

Acquiring and payout volumes

Currency and geographic exposure

Outcomes of the EDD assessment

Ongoing monitoring requirements

Registration fees from the card associations

You will always receive a clear and transparent pricing proposal, tailored for your business.

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What this means for your business

Enhanced protection

High-risk does not mean prohibited — It simply means enhanced protections for you, your customers and for the financial services industry.

Access to services

Access to acquiring and payout services is conditional upon successful EDD approval. The more transparent you are with us, the faster we can take your business to the next level.

Long-term stability

Custom pricing ensures long-term stability, compliance, and service quality. The value for you is more than financial. We go above and beyond in delivering service and support.