Last updated: 18.08.2025

This Acceptable Use Policy (“Policy”) outlines the types of businesses and activities that may or may not use Paylab’s technology, infrastructure, and related services (the “Services”).

This Policy is designed to support a secure, compliant, and sustainable payments ecosystem.

Paylab reserves the right to interpret and apply this Policy at its sole discretion.

Paylab applies a risk-based methodology when evaluating prospective and existing business relationships.

Certain industries may require enhanced review, additional documentation, or ongoing monitoring as part of standard risk management practices.

Approval of any business relationship remains subject to Paylab’s internal assessment criteria.

The Services may not be used in connection with businesses or activities that are unlawful, deceptive, or pose unacceptable regulatory, financial, or reputational risk.

Prohibited activities include, but are not limited to:

• illegal goods or services
• counterfeit or infringing products
• fraud schemes or deceptive practices
• unauthorized financial services
• shell banks or unlicensed money transmission
• terrorist financing or organized crime
• sanctioned persons or jurisdictions
• malware, phishing, or cybercrime operations
• trafficking of controlled substances
• weapons prohibited under applicable law
• exploitation, abuse, or harmful content
• pyramid or Ponzi schemes

Paylab reserves the right to restrict additional categories where risk is deemed excessive.

Certain business models may be considered higher risk and are subject to enhanced review prior to approval.

These may include:

• cryptocurrency-related businesses
• foreign exchange and trading platforms
• subscription-based services
• digital marketplaces
• nutraceuticals and supplements
• adult-oriented services (where lawful)
• travel services
• ticketing platforms
• telemarketing or high-volume sales models

Approval is not guaranteed and may depend on factors such as licensing, jurisdiction, operational transparency, and risk profile.

Businesses using the Services are expected to:

• operate in accordance with applicable laws
• maintain appropriate licenses where required
• provide accurate and complete information
• avoid misleading or unfair practices
• implement reasonable consumer protection measures

Paylab may request supporting documentation to verify compliance.

Paylab may take action where activity appears inconsistent with this Policy or presents elevated risk.
Such actions may include:

• requesting additional information
• restricting access to Services
• suspending functionality
• terminating the business relationship

Where appropriate, Paylab may also cooperate with financial partners or authorities.

Paylab may update this Policy periodically to reflect evolving regulatory expectations, partner requirements, and risk considerations.

Continued use of the Services constitutes acceptance of the updated Policy.

For legal inquiries, please contact: [email protected]