Permitted Countries and Services

      Permitted Countries and Services

        Article summary

        Permitted countries

        We conclude a payment services contract with businesses from Czechia and Slovakia. Businesses from other countries are subjects of individual assesment..

        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 card associations. Below we list the risk areas that require a special approach and for which different terms and conditions apply. This concerns payment by card. 

        SegmentSpecific restricted areas in the segment

        Travel agencies, flight tickets, admission tickets, accommodation

        Travel offices
        Sale of flight tickets, boat tickets (Steamship and Cruise Lines)

        Ticket sales, tickets for one-time events

        Accomodation (manual card entry, pre-authorization)
        COVID-19Products related to COVID-19
        Erotica, pornography
        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 (investment gold, investment coins, investment ingots and other precious metal products, precious metals, oil and gas, gold and gold dust, urea, diamonds and other raw materials)
        Consulting services - financial, betting, investment, etc.
        Financial institutions, securities traders, investment funds
        Sale of insurance
        Payments mediation (e.g.. cheques, payment orders paid with card, peer to peer or card to card transactions)
        Goldsmithing and jewelry
        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
        Food supplements
        Products containing CBD
        Dietary and nutritional advice
        Addictive substances, alcohol, tobacco
        Non-profit organizations, charities, collections, crowdfunding
        Non-profit organizations, charitable activities 
        Crowdfunding, crowfunding servers
        Other services
        Taxi services, courier services
        Used clothing store, second hand
        Divining services (astrology, horoscopes, numerology)
        Trade in toxic substances with an impact on the environment and their storage
        Payments for membership, subscription to membership in clubs, groups
        Online dating
        Discount servers
        PyrotechnicsSale of fireworks
        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
        Tobacco accessoriesPipes, papers, etc.

        High-risk areas are not prohibited, they are subject to special check before the contract can be concluded. With high-risk areas, the payment services contract may differ from a standard one.

        Do you have a pharmacy?

        To activate a payment gateway, you need to provide special certification for pharmacy activity and prove the existence of your physical shop.

        Do you have a travel agency?

        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.

        SegmentSpecific restrticted areas in the segment
        Travel agencies, flight tickets, admission tickets, accommodation
        Travel agencies

        Erotica, pornography     Pornography, erotic webcams (sale of works that stimulate the sexual urge while crossing the generally accepted boundaries of decency in society)
        Sex dolls

        Dating with the offer of erotic services, companions, escort services
        Financial services, investment, real estate, gold and commodities
        Real estate business (real estate agents)

        Exchange offices
        Cannabis seedsSeeds of cannabis (marijuana) for growing

        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 – Dash, Monero)
        Medicines, food supplements, nutritional advice

        MarketplaceWeb portals that mediate the sale of goods of other companies or persons, online marketplaces

        Addictive substances, alcohol, tobacco
        Drug stores, drug portals, marijuana coffee shops
        Tobacco industry
        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.
        I-cloud portals, rental of remote servers, webhosting, providing free websites
        Sales and provision of telecommunications services, data services and the internet
        Tobacco accessoriesE-cigarettes, vaporizers

        Pawn shopsPersons authorised to trade in second-hand goods or to accept goods as collateral (bazaars, pawnbrokers)

        Weapons and ammunition
        Weapons, except for category D weapons (see Act No. 119/2002 Coll. on firearms and ammunition)
        Mediation of purchase, resale of goods
        Mediation of purchase from merchants in Asia (fake products, delivery time six months, etc.)

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