Acceptable Use Policy

In conjunction with our Terms of Service, this Acceptable Use Policy (“AUP”) outlines activities that are prohibited or restricted in relation to everyone’s use of CardBiller’s products and/or services. If you feel that someone has violated the AUP, please contact us.

Any business engaged in activities that violate the AUP, including activities outside of your use of our services, CardBiller may, at any time, and without notice, take actions as we deem appropriate such as:

Blocking the settlement or completion of one or more payments;
Suspending, restricting or terminating your access to and use of the Payment Services;
Terminating our business relationship with you, including termination without liability to CardBiller of any agreement between you and CardBiller;
Taking legal action against you;
Contacting and disclosing information related to such violations to (i) persons who have purchased goods or services from you, (ii) any banks or Card Networks/Associations involved with your business or transactions, (iii) law enforcement or regulatory agencies, and (iv) other third parties that may have been impacted by such violations; or
Assessing against you any fees, penalties, assessments or expenses (including reasonable attorneys’ fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.

CardBiller has the right, but not the obligation, to monitor or investigate any Account and its use of the Payment Services for compliance with the AUP, Terms of Service or to mitigate risk to CardBiller, Acquirers, Card Brand Associations and any third parties. It is solely the merchant’s responsibility to ensure that the goods and/or services sold provided are legal and comply with all applicable laws and regulations including Card Association Rules. CardBiller may, at any time, modify this AUP by posting a new version of it on our website. By accessing your Account or using the Payment Services, you agree to all amendments reflected therein and agree to comply with the revised AUP. In the event of a conflict between the AUP and the Terms of Service, the AUP will take precedence, but only to the extent necessary to resolve the conflict.

Incorporation & Domicile Requirements

In order to be considered for the services, a potential merchant must be incorporated and must also have a registered main office address located within the country or region in which we are operating and providing the services.

Prohibited Activities

These lists show which industries, products and/or services fall outside of CardBiller’s Acceptable Use Policy or require additional requirements in order to be considered for review. We consider the legality of the product and/or service offered, and the level of risk associated. The classification is based on applicable laws, Card Association Rules and CardBiller’s own Risk Policy.

No business will be accepted which:

Violates any law or government regulation, or promotes or facilitates such by third parties
Violates any rule or regulation of any Card Brand association, Debit Network or any other electronic funds transfer network
Causes or threatens reputational damage to us or any Card Brand association, Debit Network or any other electronic funds transfer network
Promotes, funding of or membership in any terrorism individuals, businesses & organizations
Results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability
Is any merchant or business model for products/services that are solely based on guaranteed "rebate", "refund", or "prize" associated with the same of those products/services
Is any merchant or business engaged in illegal activity
Is any merchant or business practising and/or promoting racism, hate, violence, abuse, discrimination, intolerance or other immoral activity
Is any merchant or business engaged in unfair or deceptive business practices
Is any merchant or business accepting a card as payment for a dishonored check or for an item deemed uncollectible by another merchant or business
Is any merchant or business who uses tactics to evade the Card Brand Associations excessive chargeback monitoring program
Is any merchant or business who is in bankruptcy or insolvent status
Is any service providing peripheral support of illegal activities
Engages in the sale, transfer, shipping, brokering, etc. of human body parts & organs
Involves any of the business categories listed under Prohibited Businesses & Merchant Types

Prohibited Businesses

No exceptions are made for any activity or business type which falls under our Prohibited classification.

Adult Entertainment, Content, Toys & Novelty Stores
Airlines
Alcohol Sales: Online
Bestiality, Rape, Incest, Necrophilia, Sexual Violence, Non-Consensual
Binary Options/CFD
Cash Advances/Gifting
Catalog Business & Sales (Print)
Chain Letters
Charities: Non-registered
Child Pornography, Child Abuse Imagery: Includes use of terms such as Lolita, Pedo, Pre-Teen, etc.
Collection agencies engaged in the collection of uncollectible debt as defined by the Associations
Concierge Services
Counterfeit or Embargoed Goods & Stolen Property
Credit Repair, Credit Card Protection & Identity Theft Protection Services
Cross-Selling or Up-Selling Products of Other Merchants
Cruise Lines
Cyberlocker Services: Includes File Sharing & Online Cloud Storage
Debt Elimination, Consolidation, Resolution, Reduction, or Consulting Services
Deceptive Marketing Practices: Misleading Trial Periods/Negative Options, Deceptive Refund & Cancellation Policies
Decryption and Descrambler Products
Delayed Delivery: The good or service provided is not shipped, delivered, or fulfilled when transaction is processed but at a future date longer than 1 year
Discount Travel, Buying Clubs, Lottery Clubs & Memberships
Embassies, Foreign Consulates or other Foreign Government
Escort, Dating or Matchmaking Services, Sexual Encounters & Mail-Order Brides
Essay Mills, Paper Mills
Extended Warranties: Longer than 1 year
Fake Credentials, Fake Academic Papers, Fake Government Issued Identification, etc.
Financial Transactions such as Wire Transfers, Cash Movement or Transmitter, Money Orders, Quasi-Cash
Firearms, Ammunition or Weapons: Online - Includes 3D printers specifically designed to create firearms, weapons and firearm parts
Fortune tellers, Astrologers, Psychics, Spiritual Readers, Voodoo, Healing Potions, Tarot Readings
Freight Forwarding
Get Rich Quick or Work from Home Products: Inclusive of Brokers & Dealers
Goods or Materials that infringe intellectual property rights
Government Loans, Grants & Services
Hazardous and/or Restricted Materials
Human Trafficking
Illegal, Banned Substances & designed to mimic illegal drug Substances & Products: Includes K2, Spice, Bath Salts, Synthetic Cannabis, Nitrate Inhalers, etc.
Illegal Drugs & Illegal Drug Paraphernalia
Immigration/Visa Consultants
Internet Gambling, Casinos, Poker, Sports Forecasting, Odds Making, Betting, Lottery Tickets, Fantasy Sports Leagues, Games of Skill
Investment Services, Programs or Opportunities
Lifetime Membership or Guarantees
Loan Originators, Payday & Automobile Title Lenders
Lotteries & Raffle Services
Marijuana & CBD related Products
Medical Services Abroad
MLM Distribution, Pyramid and/or Ponzi Schemes
Money Service Business: Check Cashers, Travelers Checks, Currency Dealer & Exchanger, Money Remittance
Mortgage Interest Rate, Payment Reduction Services, Foreclosure Protection & Guarantees
Outbound Telemarketing
Online Pharmacy
Online Sale of Products without a Dedicated Website
Online Tech Support
Payment Aggregators, Factoring
Peer to Peer Insurance
Penny Auctions, Online Auctions, Bidding Fee Auctions
Ransom or Extortion like Business: Mug Shot Removal, Removal of Pornographic Images, etc.
Replica
Sale of Real Property & Real Estate Flipping
Shell Banks, Offshore Banking
Social Media Sales (Sale of likes, clicks, reviews, etc.)
Timeshares
Tobacco Sales: Online - Includes E-Cigarette refill kits & juices

Restricted Businesses

Activities or business types which fall under our Restricted classification, require written approval from CardBiller Compliance and are subject to additional requirements such as but not limited to: operating license, KYC & AML Policies, latest business and/or personal financial statements, detailed description of how the merchant conducts business relative to deliveries, deposits, sales procedures and return policy, copies of marketing materials, printed sales material, print ads and electronic media, personal guarantee of signatory or signatories with greater than 10% ownership, copy of business license, additional business references, 6 most recent processing statements, 6 most recent bank account statements, 2 years tax returns or audited financials.

Auto Dealerships – New & Used: When accepting loan payments. Loan payments on a Visa branded Credit Card are Prohibited
Bail Bondsmen
Bankruptcy Lawyers and/or Firms
Collection Agencies
Consumer Credit Reporting Agency
Crypto Currency Trading & Exchanges: No ICO, Merchant must be licensed and be the entity that holds the license, Merchant must be licensed within the same country/region as incorporation, AML & KYC Policies and processes, Legal Opinion letter, business plan, cannot be used to load an online gambling account, Age restriction measures
Direct Marketing: Travel Related, Continuity Subscription, Other
E-Cigarettes: Smoking devices
Electronics: Online - Includes computers, laptops, smartphones, etc.
Forex: Online
Inbound Telemarketing: Must be associated with catalog, media advertising, commercial, etc., non-recurring *Requires Special Registration
Non-Profit Organizations & Charities: AML Policy, must be licensed & registered with government, audited by reputable firm
Online Dating Sites: Age restriction measures, no pornographic material or explicit content, 6 months prior processing
Online Delivered Software
Online Ticket Sales: Funds are settled when event is finalized. Must be organizer of the event or have authorization from organizer to sell tickets for event. Large events must provide at least 1 sponsorship agreement
Payment Facilitators, E-Wallets, IPSP's, Marketplaces
Tech Support, Computer Repair & Maintenance: Must have minimum 2 years prior processing history, Store Front Location
Travel Agencies
Unattended Point of Sale
Vitamin/Nutraceutical/Herbal Supplements: No free trial
Web Hosting Services

Website Content Policies

When applying for e-commerce services with CardBiller, a potential merchant’s website must be live and fully functional and at a minimum, must contain the following:

Contact Information: Business name, address, telephone and email of company
Customer Service Information: Telephone Number and Email
Billing Descriptor: Statement showing the billing descriptor which will appear on customer statement
Shipping/Delivery Policy: Information on shipping/delivery time frames
Refund/Return Policy: Information on procedure for refunds/returns
Terms and Conditions: Complete terms and conditions
Privacy Policy: Privacy statement and how information from customer is collected and used
Description of Goods/Services: Complete description of goods/services offered
Transaction Currency: List all transaction currencies accepted
SSL Secured: Secured payment page
URL List: List of all URLs that will be accepting payments
Username and Password: Non-expiring username and password for each website (if applicable)