Prohibited Businesses

Last updated: January 2023

The types of businesses listed are representative, but not exhaustive. If you are uncertain as to whether your business is a Prohibited Business or Restricted Business, or have questions about how these requirements apply to you, please contact us.

By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following prohibited businesses, business activities, or business practices. The following categories of businesses and business practices are not eligible to use PayMongo's services due to prohibitions of existing Philippine laws, regulatory rules and regulations; and PayMongo policies and standards.


Games of chance including legal or illegal forms of gambling; internet gambling; sweepstakes and contests with a buy-in or cash prize

Any other form of gambling not authorized by the government or regulatory agency

Illegal Products and Services

Cannabis dispensaries and related businesses

Peptides and research chemicals

Toxic, flammable, and radioactive materials

Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom)

Fake references or ID-providing services

Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs

Products and services with varying legal status on a state-by-state basis; goods or services, the sale of which is illegal under applicable law in the jurisdictions to which your business is targeted or directed

Pornography and other obscene materials (including literature, imagery and other media) depicting nudity or explicitly sexual acts; sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features

Products and services promoting sexual exploitation such as adult video stories, sexually oriented massage parlors, strip clubs, topless and gentlemen’s bars, and sexually oriented dating services

Circumvention, jamming and interference devices; telecommunications manipulation equipment, credit card and identity theft protection

Pseudo-pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body

Products and Services that may Infringe Intellectual Property Rights

Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder

Sale of counterfeit goods

Sale of goods or services that are illegally imported or exported

Unauthorized sale or resale of brand name or designer products or services

Sale of any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party

Products and Services that Promote Unfair, Predatory, or Deceptive Practices

Pyramid Schemes, Get Rich Quick Schemes, and other services that promise high rewards

Mugshot publication or pay-to-remove sites where primary purpose is to cause reputational harm

Negative response marketing; chain letters

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

Sale of online traffic and engagement such as Twitter followers, Facebook likes, YouTube views, and other forms of social media activity and online traffic; sale of in-game currency

Charities and non-profit organizations without proper registration

Any business engaging in any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds

Any business that engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or property; or engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic

Any business that determines by PayMongo to be unfair, deceptive, or predatory towards consumers; or any business that poses elevated financial risk, legal liability, or violates card network or bank policies

Use of PayMongo 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; and sharing cardholder information with another merchant for payment cross-sell product or service