Merchant acceptance criteria

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Merchant acceptance criteria

Omise aims to accept all merchants we are allowed to. However not all goods, services, business activities, business relationships and business practices are permitted by law or our financial partners. Furthermore some businesses expose us to risks we are unable to accept.

Please verify from the sections below how we may serve and accept your business. If you are unsure don't hesitate to contact us.

This document is an official Omise policy. Omise has the right to update it when necessary and will contact merchants where the change impacts our ability to provide our services. This policy is not conclusive as we may require to reject merchants for reasons not mentioned here.

1. Prohibited goods, services, business activities or business practices

By registering, the Merchant is confirming not to use the Service to accept payments in connection with the following businesses, business activities or business practices. Note the types of businesses listed below are representative, but not exhaustive. If the Merchant is uncertain as to whether their business is Prohibited, or have questions about how these requirements apply to the Merchant, please contact us.

1.1 Restricted by local law or regulation

Adult or related products or services	All sexually-orientated or pornographic merchants Adult telephone or internet conversations/chat Massage parlors Adult book stores Topless bars/clubs Adult entertainment Dating services (adult and non-adult) Companion/Escort Services (adult and non-adult) Modeling Agencies (adult and non-adult) Note: Retailers of lingerie are not explicitly classified as unacceptable.
Weapons	Firearms and weapons of all kinds
Medical, drugs and pharmaceuticals	Medicine Surrogacy services Tobacco and e-cigarette Illegal drugs Any equipment designed for making or using drugs, such as bongs, vaporizers etc.
Gambling	Gambling tools, services, lottery, lucky draws etc.
Protected items	Protected plants, animals etc. Rare and preserved animals Archaeological and cultural relics Protected religious items
Illegal Advertisement	Sale of ads for any products or services deemed illegal
Crypto currency	Funding of crypto currencies, ICOs Trading or sales of crypto currencies
Foreign ownership	For businesses owned by foreigners, we can only accept company registrations, not individuals.
Misrepresent company location	Providing a business in one country while claiming to your customer that you are selling from a different country. Creating a shell company to resell services in one country but operating the service from another. Selling services at your facilities outside the country you register with us.

1.2 Restricted due to being dangerous, deceptive, predatory, unfair or unethical

Counterfeit and unauthorized goods	Counterfeit or imitation products or services Selling copyrighted products, services or software without permission Selling of goods smuggled or otherwise acquired illegally Selling of secrets and confidential information Selling information that infringes on others' privacy
Predatory or making false promises	Any merchant offering a negative renewal option following a free or low-cost purchase Fortune tellers, palm readers, and tarot readers Free gift, prize, sweepstake or the winning of a contest as an inducement to purchase a product or service
Investment	Credit repair, protection or restoration Mortgage or loan reduction, modification, protection or guarantee services. “Get rich quick” schemes Real estate or investment seminars whose main goal is to persuade the customer to buy specific products or services. Expensive Amulet or similar lucky charms
Violence	Merchants involved with hate, violence, or Human Trafficking
Extortion/Pay to remove	Pay to remove or pay to not publish services Ransom payments
Social Media Activity	Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity and online traffic
Hacking Tools	Malware and vulnerabilities
Living animals	Shipping of living animals
Hazardous chemicals	International shipping of hazardous chemicals are not permitted, local delivery may be restricted according to local laws. Strong hazardous chemicals that are prohibited by law.
Pseudo-pharmaceuticals (with implied guarantees)	Anti-aging pills Sex nutrients, vitamins Weight loss products etc. Note: Where no guarantee is implied, such businesses are not explicitly classified as unacceptable.

1.3 Restricted due to high risk of money laundering and criminal activities

Transaction laundering	Providing payment channel for a third party merchant that is not known to or in direct contract with Omise Merchant providing service to obfuscate the origin of funds or origin of sellers Merchant offering goods for sale, or order taking, on behalf of one or more 3rd party companies without disclosing them to Omise and the customers Note: We may offer solutions for enterprise payment aggregators. Please contact sales for more information.
Financial services	Debt consolidation, Cash advances or Bail bondsmen Money transfer services, Cash gifting, Donations or Check Cashing Pyramid schemes, illegal multi-level marketing, Ponzi schemes and similar Gold futures, stock, securities Financial products, foreign currency exchange
Products or services without value	Products or services where it is not possible for us to see any value in it
High fraud risk businesses	Remote digital unrestricted file-sharing services where uploaded content is accessible to the public or the service pays uploaders for content (Cyberlocker) Video game or virtual world credits Private detectives or bodyguard services

1.4 Restricted due to Omise terms and conditions

Intercepting and sharing payment card information

Card/payment information entered manually by merchant
Sharing cardholder information with another merchant
Storing, transmitting or processing payment card data without being compliant and certified to PCI-DSS.
Having customers pay on Kiosks or shared computers. e-commerce Payment has to be initiated on the customer's personal phone or computer.

Note: We may offer solutions for Kiosks or hardware based deployments using different means than e-commerce. Pleases contact sales for more information.

Abusing payment networks

Evasion of card network chargeback monitoring programs;
Card testing

1.5 Restricted by certain payment channels only

Certain product and business types are generally accepted but only prohibited by certain payment channels:

Types	Restricted goods or services	Prohibited by
Antiques	Antiques	TrueMoney Wallet Alipay WeChat Pay
Crude oil	Crude oil Petroleum and petroleum products	TrueMoney Wallet Alipay WeChat Pay
Medical-related	Contact lens Baby gender prediction test kit Medical equipments Online sale of medical services, including medical consulting, hypnotherapy and plastic surgery. Medical beauty services	TrueMoney Wallet Alipay
Crowdfunding	Crowdfunding websites, platforms Charitable organization Fund-raising activities	TrueMoney Wallet Alipay WeChat Pay
Digital goods	Digital goods or gaming related services or products	TrueMoney Wallet Alipay
Hacking tools	Hacking tools, consulting services Hacking as a service Malware and vulnerabilities	Alipay
Property/real estate	Property/real estate agency and sales Property leasing	Alipay WeChat Pay
Financial services	Mobile phone top up, prepaid cards or similar Insurance premiums Gold investment Mutual funds Stock and securities Auction Debt collection services Prepayment or deposits Other financial products or services	Alipay WeChat Pay
Outbound Direct Marketing	Sale of products or services via outbound telemarketing calls or mass emailing	Card brands
Seeds	Sale of seeds	Alipay
Religion-related goods or services	All religious websites, publication or accessories Online cemeteries and ancestor worshipping	TrueMoney Wallet Alipay
Precious metals	Precious metals and rare earth minerals	WeChat Pay Alipay
Transportation related	Car sales (including used cars	WeChat Pay Alipay
Transportation related	Boat dealers	WeChat Pay
Professional services	Legal services and attorneys Accounting, auditing and bookkeeping services. Counselling services — debt, marriage and personal Immigration service	WeChat Pay

1.6 Restricted by organization type

Organization type	Limitation
Individual	There are some restrictions depending on the type of product and services provided - specifically for regulated industries where licenses cannot be provided to individuals. Omise does not approve Individuals for Alipay, WeChat Pay and Installments. We also cannot provide multi currency and require all transactions to use cardholder authentication - 3DS www.omise.co/fraud-protection#3-d-secure

Note: This list is not exhaustive and subject to changes from time to time by the payment channels.

Third party links:

Regulated goods and services

There are goods and services which are allowed to be sold however any merchant doing so needs to provide the relevant license(s) when registering for a live account.

Many markets are regulated and by law we can only accept merchants with valid licenses for these markets. This includes:

Hygiene, food and drug-related licenses for business in food drug and cosmetic industries
License for restaurant operations
Hotel license
Spa provider license
Tour operator licenses
Licenses for transportation services
Proof that you are allowed to resell third party brand products (or proof that they are second hand)
Proof that you are allowed to provide medical services
Insurance license or related when providing insurance or financial services.
For specialist professional services such as Lawyer or Architects, proof that you are registered.
License for providers of multi-level-marketing schemes
Registration records for charities

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