Prohibited Businesses


Not all businesses can make use of the Appletree Payments’ services due to legislation, regulation, network rules or requirements from our providers. Please see the list below for lists of prohibited categories and those permitted on a case by case basis.

1. Financial Services

·       Investment & Credit Services

    • Rotating savings
    • Foreign Exchange Market (Forex)

·       Money and Legal Services

    • Check cashing
    • Cash Transfer

·       Vital Currency or Stored Value

·       Bitcoin or any crypto currencies related platforms

2. Unregulated, Illegal products and Services

  • Narcotics
  • Pyramid schemes
  • Products and services with varying legal statuses on a state-by-state/country basis

3. Other Prohibited High-Risk products and Services

  • Any gambling related platforms, e-casinos, lottery and card games
  • Sales of tobacco, e-cigarettes and e-liquid, counterfeit products and/or weapons, cannabidiol (CBD) retail platform
  • Gold, precious stones and gemstones
  • Any Adult content, including pornographic content, content escort platforms, pay-per-view, webcam services and/or violent content
  • Auction platforms that are not supported by a regulated action house
  • Dietary and/or Food supplements
  • Multi-Level Marketing
  • C2C Shipment Transport
  • Video Games Competitions and/or e-sports
  • Psychic Services
  • Any product or business that we believe poses elevated financial risk, legal liability or violent card network of bank policies
  • Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity
  • Creation of fake accounts (Facebook/Twitter/Instagram…)

4. Businesses that are accepted on a case-by-case basis

Apart from the 3 above categories we have multiple services that we allow the use of our services on a case-by-case basis. If your activity is one of the below, please contact us to ensure Appletree Payments is the right fit for your business.

These categories include but are not limited to:

  • Payment Solutions, on web, mobile, app or by e-mail
  • Remittance funds
  • Prepaid card solutions
  • SaaS e-commerce solutions
  • SaaS Marketplace solutions
  • SaaS Crowdfunding solutions
  • Unregulated Crowdfunding equity platforms
  • Charitable donations, gift and/or counter gifts
  • Any solution that is White or Grey Label
  • Compliant platforms that have their client targets outside of the European Economic Area (EEA)
  • Complex Financial Workflow platforms
  • E-commerce platforms, unless your annual turnover is above a certain threshold per year
  • E-Pharmacy Marketplaces
  • Online Travel Agencies
  • Alcohol related services

Please note that Appletree Payments has the full right to deny your business services at any moment if deemed necessary and to adjust the above conditions based on changes in its environment.