Restricted and prohibited activities & businesses

As a financial services provider FMPay is committed to preventing the use of its services for criminal activities. In order to fulfill our regulatory, contractual, and ethical obligations, we have established policies and procedures that restrict or prohibit certain businesses and activities. These policies apply to all clients who utilize our Checkout or Payouts products.

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Restricted activities and businesses

Restricted activities require additional information and mitigation measures. Operations will be tailored to comply with varying jurisdictional regulations.

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.

Health practitioners, private medical practices, e-doctors, dental/medical services and facilities.

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

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

Tobacco products, smoking and vaping supplies, nutraceuticals, and CBD/hemp-related food and products.

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

Aggregators, including but not limited to marketplaces, platforms.

Jewelry, watches, precious stones, metals and silverware stores.

Governmental services, such as embassies or consulates.

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

Money transfer & remittance businesses.

Debt repayment and collection agency.

Insurance sales and services.

Payroll, invoice & business services.

Live-streaming Services.

Multi-level marketing.

Art dealers and galleries.

Prepaid access/stored value.

Real estate services.

Virtual currency or stored value.


Alcohol sales.


Casual dating services.

Gambling and lotteries.

Prohibited activities and businesses

By using our services, you confirm that you are not associated with our list of prohibited products or services. FMPay does not accept customers engaged in such activities.

Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications.

Drugs, drug paraphernalia, illegal substances, psychoactive products, and any products or services designed to produce or grow drugs.

Sexually explicit content including defecation, bestiality, death or simulated death, rape or simulated rape, and child or adolescent pornography.

Business models that use ransom or extortion like practices, or business models with trial periods or subscriptions.

Counterfeit products, replicas or designed infringements of them including products designed to circumvent IP.

Hawala payments, payments an agent who then instructs an associate in the relevant country or area to pay the final recipient.

Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or form.

The use of FMPay’s logo and IP without express permission or in a way that creates reputational risk for FMPay.

Essay mills, paper mills where the intent is to falsely submit documents as their own work.

Piracy, illegal streaming, and products designed for unlicensed use of copyrighted material.

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

Trade of weapons, ammunitions, military arms, explosive devices and firearm parts.

Business practices that are designed to evade excessive chargeback monitoring programs.

Animals and wildlife products classified as endangered or protected.

Business investment opportunities operating as “get rich quick schemes”.

Fake references and other services or products that foster deception.

Human body parts or bodily fluids (excluding hair and teeth).

Independent or unlicensed financial advisors.

Mail order spouse or international match-making services.

Escort agencies, massage parlour, sexual services.

Trade of fireworks, flammable, hazardous or radioactive materials.

Political, religious or Social Campaigning.

Pyramid selling, chain letters or other financial scams.

Cannabis dispensaries and related businesses.

Credit repair and credit protection business.

Payday loans and unsecured loans.

Shell banks and shell companies.

Bearer share entities.

Binary Options.


Drop Shipping.

Pawn shops.

Criminal activities and businesses

Illicit trafficking in stolen goods, controlled, banned and other goods.

Tax crimes relating to direct and indirect taxes, as laid down in national law.

Trafficking in human beings and migrant smuggling.

Participation in an organised criminal group and racketeering.

Illicit trafficking in narcotic drugs and psychotropic substances.

Kidnapping, illegal restraint and hostage-taking.

Counterfeiting and piracy of products.

Insider trading and market manipulation.


Counterfeiting of currency.

Environmental crime.

Illicit arms trafficking.

Murder, grievous bodily injury.

Robbery or theft.








Sexual exploitation.

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