Acceptable Use Policy

1. General rules

1.1 You may use the Services only for lawful purposes, for yourself or for the business you are authorised to represent, and in accordance with the Terms of Service, our AML/KYC/CTF Policy and all applicable laws and regulations.

1.2 You must not use the Services, or allow anyone else to use them, for any activity listed in this policy, or for any activity that we, a Partner or a card network reasonably consider to present a high risk of fraud, financial crime, reputational harm or regulatory breach.

2. Prohibited activities

2.1 You must not use Payowire in connection with:

Financial crime

• money laundering, terrorist or proliferation financing, or evading sanctions, export controls or embargoes;
• fraud, scams, deception or obtaining money by false pretences, including phishing, impersonation and advance-fee schemes;
• acting as a "money mule" – receiving or moving money on behalf of another person, or allowing anyone to use your account, details or card;
• structuring or splitting transactions to avoid limits, reporting thresholds or verification;
• tax evasion, bribery or corruption;
• using stolen, unauthorised or third-party cards, accounts or identities to add funds or make payments.

Unlicensed or high-risk financial services

• unlicensed money transmission, currency exchange, remittance, payment aggregation or payment facilitation for third parties;
• pyramid, Ponzi, multi-level or "matrix" schemes, and investment schemes promising guaranteed or unrealistic returns;
• unregistered securities, binary options, unlicensed forex or crypto trading, initial coin offerings, or unlicensed lending, debt collection or credit repair;
• cryptocurrency mixing, tumbling or other services designed to obscure the origin of funds.

Illegal or restricted goods and services

• illegal drugs, controlled substances, drug paraphernalia, and prescription medicines without a valid prescription;
• weapons, ammunition, explosives and their components, where unlawful or unlicensed;
• unlicensed or illegal gambling, betting, lotteries or games of chance;
• counterfeit, stolen or infringing goods, and goods or content that infringe intellectual property or privacy rights;
• child sexual abuse material, non-consensual content, human trafficking, sexual services or any form of exploitation;
• content or activities that promote violence, terrorism, hatred or discrimination;
• sale of personal data, fake documents, fake reviews, or account credentials;
• wildlife products or any goods whose sale is prohibited by law.

Misuse of the Platform

• opening multiple accounts to abuse promotions or referral rewards, or creating fake referrals;
• using virtual cards to abuse free trials, chargebacks or merchant policies, or for "card testing";
• filing false disputes or chargebacks;
• accessing the Platform through bots, scrapers or automated means without our written permission, or attempting to probe, scan, hack or disrupt our systems;
• using VPNs, proxies or other tools to misrepresent your location or bypass restrictions;
• harassing, threatening or abusing our staff or other users.

3. Restricted activities

3.1 The following activities may be permitted only with our prior written approval, enhanced due diligence and, where applicable, evidence of the required licences: licensed gambling; licensed financial services; cryptocurrency businesses; dating and adult services where lawful; nutraceuticals and CBD products where lawful; travel agencies and ticket resale; charities and crowdfunding; high-value goods such as precious metals, jewellery and luxury items; and businesses selling to customers in high-risk jurisdictions.

3.2 We may decline any restricted activity at our discretion.

4. Prohibited jurisdictions

4.1 You must not use the Services from, for the benefit of, or to send money to or receive money from, any country or region that is subject to comprehensive sanctions or that we or our Partners do not support. Supported countries are shown in the Platform and may change at any time.

5. Consequences of breach

5.1 If you breach this AUP, or we reasonably suspect that you have, we may: refuse or reverse transactions; hold or freeze funds; suspend or cancel Cards; reduce limits; close your account; withhold referral rewards; recover losses, fines and costs from you (including fines imposed by card networks or Partners); report the activity to Partners, regulators and law enforcement; and take legal action.

6. Reporting a breach

6.1 If you know or suspect that a Payowire account is being used in breach of this policy, please report it to support@payowire.com.

7. Changes

7.1 We may update this AUP at any time, for example to reflect changes in law or Partner requirements. The current version is always published on this page.