Working with Adyen
Prohibited and Restricted products & services

Effective from January 11, 2021

To download and print this document please click here.

For the expired Prohibited and Restricted list of 2017, please click here.

Our eligibility criteria:

To meet internal and external obligations, some industries may be prohibited or restricted from working with Adyen. This is based on a range of factors including but not limited to the following:

  • Local, national and international laws
  • Requirements of our payment partners (e.g. card networks)
  • Level of assessed risk (e.g. chargebacks, fraud)
  • Reputational impact to Adyen and cost aspects associated with this

1. Business model

Depending on your business model product or services restrictions or prohibitions may apply. First, define if you are operating a ‘Merchant’ business model or a ‘Platform / Partner business’. Then check if any restrictions or prohibitions are applicable to your business in the list in the next section.

 

Merchant

Platform / Partner business

A business that sells products/services to its customers in its own name and on its own responsibility.

Any partner or platform merchant connected to Adyen enabling another party (third party or Adyen sub-merchant) to use the Adyen services to sell their products and services through the services of such platform or partner.

If your business is connected to Adyen through a Platform / Partner business, the restrictions in this category also apply to you.

E.g. a grocery store or online retailer that sells products from various brands. Includes franchisees.

E.g. a marketplace / platform, staged digital wallet operator, payment facilitator. Restrictions also apply to sub-sellers.

Note that if you are onboarded to operate as a ‘Platform / Partner business model’ requirements apply based on the business model itself. For instance, Payment Facilitators require registration with the Card Schemes.

If you are in doubt about what business model applies to your business, talk to your Adyen representative or get in touch.

2. Restricted and Prohibited Products and Services

The list below shows all the products and services that are restricted or prohibited from using Adyen services for ‘Merchant’ business models and ‘Platform / Partner business’ models.

 

Restricted

This symbol indicates that your products or services offering is restricted. We will require additional documentation prior to onboarding. When Adyen agrees to provide its services for a broad category of services (e.g. DVDs) it does not imply that consent is given for subcategories within that category which are prohibited or restricted as per this list (e.g. counterfeit DVDs).

The fact that Adyen agrees to provide its services for a particular product or service should not be interpreted as an advice or opinion as to the legality of a merchant’s products and services and of the intended use of the services therefore. The merchant is and remains solely responsible to ensure that their products and services and those of their affiliates are compliant with applicable laws, regulations and scheme rules.

Prohibited

This symbol indicates that the business or service is prohibited from using Adyen’s services. When entering into an agreement with Adyen and using Adyen's services you are confirming that you are not offering or are affiliated to the products or services listed as prohibited.

The scheme owners of local payment methods may have more stringent restrictions with respect to certain products or services. Businesses should check current restrictions or prohibitions applicable to the relevant payment method when using it to ensure compliance.

If you require additional information about the onboarding requirements and restrictions applicable to your business talk to your Adyen representative or get in touch.

Adult

  Merchant Platform / Partner Business

Adult goods (excluding fetish products)

Restricted

Restricted

Fetish products

Prohibited

Prohibited

Content: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature

Prohibited

Prohibited

Entertainment: Gentleman's clubs, topless bars, strip clubs, sexually oriented massage parlors, saunas, escort agencies or any sexually-related services

Prohibited

Prohibited

Financial Businesses

  Merchant Platform / Partner Business

Bearer share entities

Prohibited

Prohibited

Binary options

Prohibited

Prohibited

Buy now pay later / Instalment payment methods

Restricted

Prohibited

Credit repair and credit protection business

Prohibited

Prohibited

Debt repayment and collection agency

Restricted

Restricted

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

Restricted

Prohibited

Financial service or money service business, including but not limited to:
  • traveler checks
  • money orders
  • Foreign Exchange
  • check cashing
  • virtual currencies
  • cash advances by non-financial institutes

Restricted

Prohibited

Fines or penalty collections of any kind

Restricted

Restricted

Independent or unlicensed financial advisors

Prohibited

Prohibited

Insurance sales and services (life)

Restricted

Prohibited

Insurance sales and services (non-life)

Restricted

Restricted

Money transfer & remittance businesses

Restricted

Prohibited

Payday loans, unsecured loans and loans originating from non FDIC insured banks

Prohibited

Prohibited

Payroll, invoice & business services

Restricted

Prohibited

Provider or seller prepaid access/stored value

Restricted

Prohibited

Shell banks

Prohibited

Prohibited

Intellectual Property (IP)

  Merchant Platform / Partner Business

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

Prohibited

Prohibited

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

Prohibited

Prohibited

Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted material

Prohibited

Prohibited

The use of Adyen's logo and IP without express permission or in a way that creates reputation risk for Adyen

Prohibited

Prohibited

Marketing practices

  Merchant Platform / Partner Business

Business investment opportunities operating as ‘get rich quick schemes’

Prohibited

Prohibited

Business models that use ransom- or extortion like practices

Prohibited

Prohibited

Business practices that are designed to evade excessive chargeback monitoring programs

Prohibited

Prohibited

Data Pass

Prohibited

Prohibited

Deceptive marketing tactics related to disclosure, false or inaccurate claims, before/after claims, endorsements, cancellation or refunds avoidance, pre-checked opt-ins, poorly disclosed negative options, misappropriation of incentives, disproportionate rebates, sweepstakes

Prohibited

Prohibited

Fake references and other services or products that foster deception

Prohibited

Prohibited

Inbound telemarketing for postcard or mailings

Prohibited

Prohibited

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

Prohibited

Prohibited

Pyramid selling, chain letters or other financial scams

Prohibited

Prohibited

Not-for-Profit

  Merchant Platform / Partner Business

Charities

Restricted

Restricted

Crowdfunding

Restricted

Restricted

Other products & services

  Merchant Platform / Partner Business

Airlines

Restricted

Prohibited

Ancestry research

Restricted

Restricted

Animals and wildlife products classified as endangered or protected

Prohibited

Prohibited

Art dealers and galleries

Restricted

Restricted

Auction houses

Restricted

Restricted

Bail bonds and bankruptcy lawyers

Prohibited

Prohibited

Bidding fee and penny auctions

Prohibited

Prohibited

Casual dating services

Restricted

Prohibited

Car and truck rental / sales / importers / car parts

Restricted

Restricted

Certain social media business (e.g. click farms)

Prohibited

Prohibited

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

Restricted

Prohibited

Cruise Lines

Restricted

Prohibited

Direct Marketing – Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalog merchants, door-to-door sales

Restricted

Prohibited

Drop shipping

Restricted

Restricted

Governmental services, such as embassies or consulates

Restricted

Prohibited

Hazardous materials (B2B), including but not limited to:
  • Hydrofluoric acid
  • Products containing cyanide
  • Prohibited ozone-depleting substances (ODS)
  • Nitric acid
  • Peptides, research chemicals
  • Bacteria cultures or other products containing E-coli or Escherichia coli

Restricted

Prohibited

Hazardous materials (B2C), as described above

Prohibited

Prohibited

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

Restricted

Restricted

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

Prohibited

Prohibited

Internet product and service providers

Restricted

Restricted

Intravenous therapy (e.g .IV drip bar, vitamin infusions, hang over cures)

Prohibited

Prohibited

Jewelry, watch, precious stones, metals and silverware stores

Restricted

Restricted

Key-entry telecom merchant

Prohibited

Prohibited

Live-streaming Services without in-app currency

Restricted

Restricted

Live-streaming Services with in-app currency

Restricted

Prohibited

Live-streaming Services with in-app donations functionality

Restricted

Prohibited

Mail order spouse or international match-making services

Prohibited

Prohibited

Medical, dental, ophthalmic and hospital equipment and supplies

Restricted

Restricted

Medical benefit packages

Restricted

Prohibited

Multi-level marketing

Restricted

Prohibited

Nutraceuticals and food products, including, but not limited to CBD and Hemp seed related products

Restricted

Restricted

Pawn shops

Prohibited

Prohibited

Political, religious or Social Campaigning

Restricted

Prohibited

Real estate services

Restricted

Restricted

Services associated with pseudoscience (e.g. clairvoyance, horoscopes)

Restricted

Restricted

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

Prohibited

Prohibited

Ticket agencies

Restricted

Restricted

Timeshare and timeshare maintenance

Restricted

Restricted

Travel agents and tour operators

Restricted

Restricted

Veterinary practices

Restricted

Restricted

Regulated

  Merchant Platform / Partner Business

Alcohol sales

Restricted

Restricted

Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products

Prohibited

Prohibited

Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling services

Prohibited

Prohibited

Legal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports

Restricted

Prohibited

Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients

Prohibited

Prohibited

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

Restricted

Prohibited

Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories

Restricted

Prohibited

Trade of fireworks, flammable or radioactive materials

Prohibited

Prohibited

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

Prohibited

Prohibited

Any type of US based gambling services

Prohibited

Prohibited

Securities & Trading

  Merchant Platform / Partner Business

Cryptocurrency exchange

Restricted

Prohibited

High-risk securities such as:
  • contract for difference (CFD)
  • financial spread betting
  • initial coin offering (ICO)
  • forex currency options
  • cryptocurrency options
  • trading and purchases

Restricted

Prohibited

Security brokers /investments of any kind including the purchase of:
  • securities
  • currencies
  • derivatives
  • commodities
  • shares
  • options
  • precious metals
  • other financial instruments

Restricted

Prohibited

Third party Payment Processing

  Merchant Platform / Partner Business

Aggregators, including but not limited to marketplaces, platforms

Restricted

Prohibited

Staged Digital Wallet Operators

Restricted

Prohibited

Payment Facilitators or other internet payment or member service providers (IPSP or MPS)

Restricted

Prohibited

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

Restricted

Prohibited

Technology

  Merchant Platform / Partner Business

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

Prohibited

Prohibited

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