Prohibited Products & Services

1. Adult goods and services which includes 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; 
2. Body parts which include organs or other body parts;
3. Bulk marketing tools which include email lists, software, or other products enabling unsolicited email messages (spam);
4. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free;
5. Child pornography which includes pornographic materials involving minors;
6. Copyright unlocking devices which include mod chips or other devices designed to circumvent copyright protection;
7. Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials;
8. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software;
9. Counterfeit and unauthorized goods which includes 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;
10. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms;
11. Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items;
12. Endangered species which includes plants, animals, or other organisms (including product derivatives) in danger of extinction;
13. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content;
14. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles;
15. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property;
16. Illegal goods which include materials, products, or information promoting illegal goods or enabling illegal acts;
17. Miracle cures which include unsubstantiated cures, remedies or other items marketed as quick health fixes;
18. Offensive goods which include literature, products or other materials that:
    1. Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors;
    2. Encourage or incite violent acts; or
    3. Promote intolerance or hatred.
19. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals;
20. Pyrotechnic devices, combustibles, corrosives, and hazardous materials which includes explosives and related goods; toxic, flammable, and radioactive materials and substances;
21. 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 and strategic items governed by the Strategic Trade Act 2010; goods regulated by government or other agency specifications;
22. Securities which include government bonds or related financial products;
23. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products;
24. Traffic devices which include radar detectors/jammers, license plate covers, traffic signal changers, and related products;
25. Weapons which include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments;
26. Wholesale currency which includes discounted currencies or currency exchanges;
27. Live animals or hides/skins/teeth, nails, and other parts etc. of animals;
28. Multi-Level Marketing collection fees;
29. Matrix sites or sites using a matrix scheme approach;
30. Offering work-at-home approach and/or work-at-home information; with an intention to deceive;
31. 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 Malaysia;
32. Merchant providing services that have the potential of casting the payment gateway facilitators in a poor light and/or that may be prone to buy & deny attitude of the cardholders when billed (e.g., adult material/ mature content/escort services/ friend finders) and thus leading to chargeback and fraud losses;
33. 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);
34. Businesses out rightly banned by law (e.g., betting & gambling/ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste/communal tensions, lotteries/sweepstakes & games of chance;
35. Merchants who deal in intangible goods/ services (e.g., software download/ health/ beauty products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes and any other product or service, which in the sole opinion of either the partner bank or the acquiring bank, is detrimental to the image and interests of either of them / both of them, as communicated by either of them/ both of them to the Merchant from time to time. This shall be without prejudice to any other terms & conditions mentioned in this Agreement;
36. Mailing lists;
37. Virtual currency, cryptocurrency, and other crypto products (like non-fungible tokens or NFTs), 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;
38. Money laundering services;
39. Corruption or bribery-related services;
40. Database providers (for tele-callers);
41. Bidding/Auction houses;
42. Activities prohibited by the Malaysian Communications and Multimedia Commission or any other regulatory authority in Malaysia; 
43. Entities operating as kootu funds / chit funds/ nidhi companies;
44. 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; and
45. Any other activities prohibited by Applicable Laws, including any regulated activities in respect of which valid licences, approvals, permits, registrations consents are not held by the Merchant for the conduct of such activities, any activities which the Merchant is prohibited from conducting (including pursuant to any judgment, arbitral award or injunction) obtained against the Merchant) and any activities which facilitate any non-compliance with Applicable Laws by any person.

 

The above list is subject to updates/changes by Razorpay Curlec  based on instructions received from Facility Providers.