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Documentation Index

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This Acceptable Use Policy (“AUP”) forms part of, and is incorporated by reference into, the Privex Pay Terms of Service. By using the Services, you agree to comply with this AUP. If you do not agree, you must not use the Services. Privex Pay may update this AUP at any time by posting a revised version on its website or through the Merchant Dashboard — continued use after changes take effect constitutes your acceptance of the updated AUP.
Violating this AUP may result in immediate suspension or termination of your Merchant Account, withholding of payouts, cancellation of transactions, and reporting of your activities to law enforcement, regulators, payment processors, or card schemes.

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Prohibited activities

You must not use the Services, directly or indirectly, to process or facilitate any Transaction involving products, services, or activities that are illegal or non-compliant under applicable laws, regulations, or payment network rules — including anti-money laundering (AML), counter-terrorist financing (CTF), consumer protection, privacy, intellectual property, tax laws, or card scheme requirements.

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Prohibited services and products

You must not use the Services to sell or distribute any of the following:
  1. Cracked software or pirated content
  2. Unauthorised resale of licensed or subscription-based products
  3. Illegal gambling, betting, or lotteries
  4. Drug paraphernalia
  5. Weapons, ammunition, explosives, or military-grade equipment
  6. Multi-level marketing (MLM) schemes, Ponzi schemes, or pyramid sales
  7. Products or services that violate payment network or card scheme rules
  8. Any activity involving sanctioned countries, entities, or individuals on OFAC, EU, or UK sanctions lists
  9. Products, services, or content that promote hate speech, violence, terrorism, discrimination, or extremist activity
  10. Deepfakes, manipulated media, or synthetic content used for deception, fraud, or reputational harm

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Restricted activities

The following categories may be processed only with Privex Pay’s prior written consent and may require enhanced due diligence, underwriting, and/or additional contractual terms:
Contact Privex Pay before offering any of the following product or service types. Processing these without prior written consent is a breach of this AUP.
  1. High-value in-game items or virtual currencies
  2. CBD or hemp-derived products (where legal)
  3. Travel, event ticketing, or reservation services
  4. Charitable donations or crowdfunding campaigns
  5. High-value luxury goods such as jewellery or watches
  6. Pre-order sales where goods or services are not delivered immediately
  7. Any product or activity that Privex Pay identifies, or for which Privex Pay receives credible notice from a rights holder, as infringing third-party rights (including copyrights, trademarks, patents, trade secrets, privacy, publicity, or other proprietary rights). Privex Pay may suspend, remove, or disable access to any such product or Merchant Account at its sole discretion.

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Abusive, fraudulent, or harmful use

You must not use the Services, directly or indirectly, to:
  1. Submit transactions you know or suspect to be fraudulent, unauthorised, or otherwise invalid
  2. Use bots, scripts, or automated tools to generate or simulate transactions
  3. Attempt to bypass, disable, or tamper with Privex Pay’s fraud detection, KYC, or compliance systems
  4. Engage in phishing, scams, or other deceptive practices targeting Buyers
  5. Harass, threaten, or abuse Privex Pay staff, partners, or other Merchants
  6. Place an excessive or disproportionate load on Privex Pay’s or its partners’ infrastructure
  7. Launder or disguise transactions, including passing unrelated payments through your account
  8. Operate multiple accounts or straw merchant structures to evade monitoring, reserves, or risk limits
  9. Maintain excessive chargeback or refund rates above thresholds set by Privex Pay, card schemes, or regulators

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Card scheme and acquirer compliance

In addition to complying with all applicable laws and the rules above, you must also meet the following requirements:
  1. You must not engage in any activity that is prohibited by Visa, Mastercard, American Express, or other card network rules.
  2. You must not submit transactions that are incomplete, unfulfilled, or fictitious.
  3. You must not use the Services as a payment facilitator, intermediary, or aggregator without explicit written consent.
  4. You must not split transactions to avoid authorisation or fraud detection limits.
  5. You must not engage in activity that could cause Privex Pay, its acquirers, or card networks to list you as a high-risk or terminated merchant (for example, appearing on the MATCH list).

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Cooperation and evidence of compliance

You must promptly provide any documents, product information, or transaction records requested by Privex Pay to verify compliance with this AUP, the Agreement, or applicable laws. Failure to provide such information may result in suspension or termination of the Services. You must also cooperate fully with:
  1. Law enforcement authorities and regulators if Privex Pay is required to share information or records
  2. Card scheme monitoring programs for chargebacks, fraud, or compliance

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Enforcement

Privex Pay may take any action it deems necessary if you breach this AUP, including:
  1. Suspending or terminating your Merchant Account
  2. Withholding or reversing payouts
  3. Cancelling or refusing transactions
  4. Reporting activities to law enforcement, regulators, payment processors, or card schemes