Annexure

List of Prohibited goods and services

• Adult goods and services which include pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services; website access and/or website memberships of pornography or illegal sites.
• Alcohol which includes alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
• Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam).
• Cable descramblers and black boxes which include devices intended to obtain cable and satellite signals for free.
• Child pornography which includes pornographic materials involving minors.
• Copyright unlocking devices which include mod chips or other devices designed to circumvent copyright protection.
• Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials; Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
• Counterfeit and unauthorized goods which include replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
• Drugs and drug paraphernalia which include illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms.
• Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items.
• Endangered species which include plants, animals or other organisms (including product derivatives) in danger of extinction.
• Gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content. Skill based games can be allowed on case to case basis.
• Government IDs or documents which include fake IDs, passports, diplomas, and noble titles.
• Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property.
• Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts.
• Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes.
• Offensive goods which include literature, products or other materials that:
  • Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors;
  • Encourage or incite violent acts; or
  • Promote intolerance or hatred.
• Offensive goods related to crime, which include crime scene photos or items such as personal belongings associated with criminals.
• Pyrotechnic devices, combustibles, corrosives and hazardous materials which include explosives and related goods; toxic, flammable, and radioactive materials and substances.
• Regulated goods which include air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
• Securities which include government bonds or related financial products.
• Tobacco and cigarettes which include cigarettes, cigars, chewing tobacco, and related products.
• Traffic devices which include radar detectors/jammers, license plate covers, traffic signal changers, and related products.
• Weapons which include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
• Wholesale currency which includes discounted currencies or currency exchanges.
• Live animals or hides/skins/teeth, nails and other parts etc. of animals.
• Multi-level marketing collection fees.
• Matrix sites or sites using a matrix scheme approach.
• Work-at-home approach and/or work-at-home information.
• Drop-shipped merchandise.
• Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international, including the laws of India.
• The User providing services that have the potential to reflect negatively on the payment gateway facilitators or may be prone to the ‘buy and deny’ attitude of cardholders when billed (e.g., adult material, mature content, escort services, friend finders), thus leading to chargeback and fraud losses.
• Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. web-based telephony, website supplying medicines or controlled substances, website that promise online match-making).
• Businesses outrightly banned by law (e.g., betting and gambling, publications or content that authorities may interpret as promoting moral turpitude or decadence, inciting caste or communal tensions, lotteries, sweepstakes, and games of chance).
• Streaming and Live streaming (incl. video, music, gaming).
• The Users who deal in intangible goods/ services (eg. software download/ health/ beauty Products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes.
• Any other product or service that, in the sole opinion of the Acquiring Bank, is detrimental to their image and interests, as communicated to the User from time to time. This provision shall be without prejudice to any other terms and conditions mentioned in these Terms of Use.
• Mailing lists.
• Virtual currency, cryptocurrency, prohibited investments for commercial gain or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.
• Money laundering services.
• Database providers (for tele-callers).
• Bidding/auction houses.
• Entities operating as chit funds/ Nidhi companies (except government or public sector unit (PSU) entities).
• Unregulated/ unlicensed money service business (MSB) or money and value transfer services (MVTS) like exchange houses, remittance agents or individuals running such businesses in jurisdictions that require license for such businesses.
• Activities prohibited by the Telecom Regulatory Authority of India; and Any other activities prohibited by applicable law.
• Real Estate Agents and Managers – Rentals