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Permitted countries and services
Permitted countries and services
Article Summary
When processing the request for establishing a payment gateway or terminal, the company and the offered goods or services are verified.
Verification of identity
ComGate Payments a.s. is a payment institution that provides services based on a license from the Czech National Bank and is subject to special regulation under Czech Act No. 370/2017 Coll., on payment services and Czech Act No. 253/2008 Coll., on certain measures to counter money laundering and the financing of terrorism. Under the above laws and other regulations mentioned, we are obliged to verify the identity of the persons to whom we provide payment services. That is why, when concluding the contract, we will ask you to send a scan of your identity card and one other document.
Permitted countries
We provide payment service contracts to entities doing business in the Czech Republic and Slovakia. Entities from other countries are subject to individual assessment.
High-risk areas
The sector of payment services is regulated by the Czech National Bank, Ministry of Finance and by rules of the Visa and Mastercard payment associations. Below we list the risk areas that require a special approach and for which different terms and conditions apply.
| Segment | Specific risk areas in the segment |
| Travel agencies, flight tickets, admission tickets, accommodation | Travel agencies (with insurance), travel agencies (without insurance) |
| COVID-19 | Products related to COVID-19 |
| Erotica, pornography, romantic relationships | Erotic aids, incl. a small number of movies on media (not online for download), online dating |
| Financial services, investment, real estate, gold and commodities | Trade in high-risk commodities (oil and gas, gold and gold dust, diamonds and other raw materials). |
| Gambling, betting, lotteries | Casinos, games rooms, gambling, betting games, lotteries |
| Cryptocurrencies and electronic money | Recharging, purchase and exchange of anonymous electronic money (e.g. prepaid cards) |
| Medicines, food supplements, nutritional advice | Dietary supplements |
| Addictive substances, alcohol, tobacco | Alcohol |
| Non-profit organizations, charities, collections, crowdfunding | Non-profit organizations, charitable activities |
| Storage, downloads, data services, SW licenses and credits | Sales of software licenses, game and other digital licenses, codes and keys, all electronic products and services delivered to the customer immediately after payment, including online courses |
| Other services | Taxi services, courier services |
High-risk areas are not prohibited but before concluding a contract, they must undergo special screening. The contract for payment services in these areas may differ from a standard contract. Do you have a pharmacy? Do you have a travel agency?
To activate a payment gateway, you need to provide special certification for pharmacy activity and prove the existence of your physical shop.
To activate a payment gateway, you need to provide special certification for travel agency activity, as well as bankruptcy insurance.
Prohibited areas
The list of prohibited areas is based on the rules of card associations and can be further supplemented. Card payment is not possible for the areas listed below.
| Segment | Specific restricted areas in the segment |
| Erotica and pornography | Pornography, erotic webcams Dating with the offer of erotic services, companions, escort services |
| Financial services, investment, real estate, gold and commodities | Exchange offices |
| Cryptocurrencies and electronic money | Crypto assets (exchange platforms-exchange offices, electronic wallets), currency miners, initial coin offering, traders using completely anonymous cryptocurrencies as the subject of exchange |
| Addictive substances, alcohol, tobacco | Drug stores, drug portals, marijuana coffee shops |
| Other illegal activities | All illegal activities according to the valid legislation of the Czech Republic, sale of goods and services that violate the legislation of the European Union |
| Other services | Telemarketing - Sales and offer of services via SMS and telephone contact |
| Political parties, churches, sects | Funding political parties including the extreme left and the extreme right, religious sects |
| Storage, downloads, data services, SW licenses and credits | Activities which are reasonably suspected of infringing on or allow the infringement on intellectual property rights and copyrights, such as illegal downloading of audiovisual works, public storage of computer games, music, etc. |
| Weapons and ammunition | Category A weapons (see Act No. 119/2002 Coll. on firearms and ammunition) |
| Mediation of purchase, resale of goods | Arranging the purchase of third-party products and resale, where the goods are supplied by another entity |
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