Legal
Acceptable Use Policy
Businesses and transaction types we permit, restrict, and prohibit. Required reading for every Fyber merchant.
Last updated: May 6, 2026
Why this matters
Card networks (Visa, Mastercard) and our acquiring partners (FAC PowerTranz, Sagicor MPGS) require us to monitor what businesses we serve and what transactions we process. Violating this policy can result in account termination and held settlements.
Permitted businesses
Most legitimate retail, hospitality, professional services, and SaaS businesses are welcome. If you're unsure whether your business qualifies, email compliance@fyber.one before applying.
Restricted businesses
The following require additional review and may need extra documentation, reserves, or processor approval before onboarding:
- Travel agencies and tour operators
- Multi-level marketing (MLM)
- Nutraceuticals and weight-loss products
- Dating sites and matchmaking
- Debt collection
- Online gambling (where licensed)
- CBD / hemp (where legal)
- Outbound telemarketing
- Cryptocurrency exchanges
- Money services businesses (MSBs)
- Subscription / negative-option billing — must comply with Visa Subscription Merchant rules
Prohibited businesses
The following will not be onboarded under any circumstances:
- Adult content, sexual services, or escort services
- Illegal drugs or paraphernalia
- Firearms, ammunition, weapons of any kind
- Counterfeit goods or IP-infringing merchandise
- "Get rich quick" schemes and pyramid schemes
- Fortune-telling and occult services
- Unlicensed gambling
- Child exploitation material
- Shell companies with no clear underlying business
Prohibited transaction types
- Card testing or "BIN attacks"
- Chargeback fraud or "friendly fraud"
- Transaction laundering — processing on behalf of another business
- Factoring — processing your customer's transactions for them
- Splitting transactions to avoid limits
- Processing your own personal cards
- Any unauthorised transaction
Enforcement
What happens if you violate this policy:
- First-time minor violation: warning + remediation request, with a deadline.
- Repeated or material violation: hold on settlements, account suspension, full reserve held against future chargebacks, termination, MATCH listing where applicable.
Reporting violations
If you believe another merchant on Fyber is violating this policy, email compliance@fyber.one with details. We treat reports confidentially.