Prohibited and Restricted Products & Services

Effective: November 1, 2022

Our eligibility criteria:

To meet internal and external obligations, some industries may be prohibited or restricted from working with Adyen. This is based on a range of factors including but not limited to the following:

  • Local, national and international laws
  • Requirements of our payment partners (e.g. card networks)
  • Level of assessed risk (e.g. chargebacks, fraud)
  • Reputational impact to Adyen and cost aspects associated with this

Additional restrictions and/or prohibitions to this list may be applicable.

This can be due to including, but not limited to legality of certain products in certain jurisdictions, use of payment methods, applicability of scheme rules or compatibility with Adyen's Platform Solutions.

If you require additional information about the specific onboarding requirements and restrictions applicable to your business, please talk to your Adyen representative or get in touch.

1. Business Modal

Depending on your business model product or services restrictions or prohibitions may apply. First, define if you are operating a ‘Merchant’ business model or a ‘Platform / Partner business’. Then check if any restrictions or prohibitions are applicable to your business in the list in the next section.


A business that sells products/services to its customers in its own name and on its own responsibility.

e.g. a grocery store or online retailer that sells products from various brands. Includes franchisees.

Platform / Partner Business

Any partner or platform merchant connected to Adyen enabling another party (third party or Adyen sub-merchant) to use the Adyen services to sell their products and services through the services of such platform or partner.

If your business is connected to Adyen through a Platform / Partner business, the restrictions in this category also apply to you.

e.g. a marketplace / platform, staged digital wallet operator, payment facilitator. Restrictions also apply to sub-sellers.

2. Restricted and Prohibited Products and Services

The list below shows all the products and services that are restricted or prohibited from using Adyen services for ‘Merchant’ business models and ‘Platform / Partner business' models.

R This symbol indicates that your products or services offering is restricted. We will require additional documentation prior to onboarding. When Adyen agrees to provide its services for a broad category of services (e.g. DVDs) it does not imply that consent is given for subcategories within that category which are prohibited or restricted as per this list (e.g. counterfeit DVDs).

The fact that Adyen agrees to provide its services for a particular product or service should not be interpreted as an advice or opinion as to the legality of a merchant’s products and services and of the intended use of the services therefore. The merchant is and remains solely responsible to ensure that their products and services and those of their affiliates are compliant with applicable laws, regulations and scheme rules.

P This symbol indicates that the business or service is prohibited from using Adyen’s services. When entering into an agreement with Adyen and using Adyen's services you are confirming that you are not offering or are affiliated to the products or services listed as prohibited.

The scheme owners of local payment methods may have more stringent restrictions with respect to certain products or services. Businesses should check current restrictions or prohibitions applicable to the relevant payment method when using it to ensure compliance.

If you require additional information about the onboarding requirements and restrictions applicable to your business talk to your Oolio representative or get in touch.


MerchantPlatform / Partner Business
Adult goods (excluding fetish products)RR
Fetish productsPP
Content: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual naturePP
Entertainment: Gentleman's clubs, topless bars, strip clubs, sexually oriented massage parlors, saunas, escort agencies or any sexually-related servicesPP

Financial Businesses

MerchantPlatform / Partner Business
Bearer share entitiesPP
Binary optionsPP
Buy now pay later / Instalment payment methodsRP
Credit repair and credit protection businessPP
Debt repayment and collection agencyRR
E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual worldRP
Financial service or money service business, including but not limited to: • traveler checks • money orders • Foreign Exchange • check cashing • virtual currencies • cash advances by non-financial institutesRP
Fines or penalty collections of any kindRR
Independent or unlicensed financial advisorsPP
Insurance sales and services (life)RP
Insurance sales and services (non-life)RR
Money transfer & remittance businessesRP
Payday loans, unsecured loans and loans originating from non FDIC insured banksPP
Payroll, invoice & business servicesRP
Provider or seller prepaid access/stored valueRP
Shell banksPP

Intellectual Property (IP)

MerchantPlatform / Partner Business
Counterfeit products, replicas or designed infringements of them including products designed to circumvent IPPP
Essay mills, paper mills where the intent is to falsely submit documents as their own workPP
Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted materialPP
The use of Adyen's logo and IP without express permission or in a way that creates reputation risk for AdyenPP

Marketing practices

MerchantPlatform / Partner Business
Business investment opportunities operating as ‘get rich quick schemes’PP
Business models that use ransom- or extortion like practicesPP
Business practices that are designed to evade excessive chargeback monitoring programsPP
Data PassPP
Deceptive marketing tactics related to disclosure, false or inaccurate claims, before/after claims, endorsements, cancellation or refunds avoidance, pre-checked opt-ins, poorly disclosed negative options, misappropriation of incentives, disproportionate rebates, sweepstakesPP
Fake references and other services or products that foster deceptionPP
Inbound telemarketing for postcard or mailingsPP
Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or formPP
Pyramid selling, chain letters or other financial scamsPP


MerchantPlatform / Partner Business

Other products & services

MerchantPlatform / Partner Business
Ancestry researchRP
Animals and wildlife products classified as endangered or protectedPP
Art dealers and galleriesRR
Auction housesRR
Bail bonds and bankruptcy lawyersPP
Bidding fee and penny auctionsPP
Casual dating servicesRP
Car and truck rental / sales / importers / car partsRR
Certain social media business (e.g. click farms)PP
Cloud storage, VPN, file sharing, (high-risk) cyber lockersRR
Cruise LinesRR
Direct Marketing – Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalog merchants, door-to-door salesRP
Drop shippingRR
Governmental services, such as embassies or consulatesRP
Hazardous materials (B2B), including but not limited to: • Hydrofluoric acid • Products containing cyanide • Prohibited ozone-depleting substances (ODS) • Nitric acid • Peptides, research chemicals • Bacteria cultures or other products containing E-coli or Escherichia coliRR
Hazardous materials (B2C), as described abovePP
Health practitioners, private medical practices, e-doctors, dental/medical services and facilitiesRR
Human body parts or bodily fluids (excluding hair and teeth)PP
Internet product and service providersRR
Intravenous therapy (e.g .IV drip bar, vitamin infusions, hang over cures)PP
Jewelry, watch, precious stones, metals and silverware storesRR
Key-entry telecom merchantPP
Live-streaming Services without in-app currencyRR
Live-streaming Services with in-app donations functionalityRP
Mail order spouse or international match-making servicesPP
Medical, dental, ophthalmic and hospital equipment and suppliesRR
Nutraceuticals and food products, not including highly regulated products such as CBD and kava kavaRR
Nutraceuticals and food products (highly regulated), including, but not limited to CBD and kava kava related productsRP
Pawn shopsPP
Political, religious or Social CampaigningRR
Real estate servicesRR
Services associated with pseudoscience (e.g. clairvoyance, horoscopes)RR
Telemarketing companies selling products or services as an agent for a third partyPP
Ticket agenciesRR
Timeshare and timeshare maintenanceRR
Travel agents and tour operatorsRR
Veterinary practicesRR


MerchantPlatform / Partner Business
Alcohol salesRR
Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive productsPP
Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling servicesPP
Legal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sportsRP
Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredientsPP
Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)RR
Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (domestic sale)RR
Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)RP
Trade of fireworks, flammable or radioactive materialsPP
Trade of weapons, ammunitions, military arms, explosive devices and firearm partsPP
Any type of US based gambling servicesPP

Securities & Trading

MerchantPlatform / Partner Business
Cryptocurrency exchangeRP
High-risk securities such as: • contract for difference (CFD) • financial spread betting • initial coin offering (ICO) • forex currency options • cryptocurrency options • trading and purchasesRP
Security brokers /investments of any kind including the purchase of: • securities • currencies • derivatives • commodities • shares • options • precious metals • other financial instrumentsRP

Third party Payment Processing

MerchantPlatform / Partner Business
Aggregators, including but not limited to marketplaces, platformsRP
Staged Digital Wallet OperatorsRP
Payment Facilitators or other internet payment or member service providers (IPSP or MPS)RP
Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accountsRP


MerchantPlatform / Partner Business
Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communicationsPP