Acceptable Use

This Acceptable Use Policy applies to all services provided by RevKeen Limited (RevKeen) and all products or services sold by merchants using RevKeen. You are responsible for complying with all applicable laws in all your actions related to using RevKeen, regardless of the purpose of use.

Failure to comply with this Acceptable Use Policy may result in immediate suspension or termination of your RevKeen account, forfeiture of settled funds held pending reconciliation, and reporting to the card networks' MATCH file and other regulatory bodies where required.

Capitalised terms used but not defined here have the meanings given in the RevKeen Master Services Agreement.

Prohibited activities

You may not use RevKeen for activities that:

1. Violate any law, statute, ordinance, or regulation in any applicable jurisdiction.
2. Violate the rules or regulations of Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay, or any other card brand network.
3. Relate to transactions involving:
   • Items that encourage, promote, facilitate, or instruct others to engage in illegal activity.
   • Stolen goods including digital and virtual goods.
   • The promotion of hate, violence, racial or other forms of intolerance that is discriminatory, or the financial exploitation of a crime.
   • Items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction.
4. Involve transactions that display the personal information of third parties in violation of applicable law.
5. Involve any activity that requires pre-approval without having obtained that approval.

You may not:

1. Reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to the source code of RevKeen's services, other than open-source components released under their respective licences.
2. Bypass or breach any security device or protection used by RevKeen, or access or use the services other than by an authorised user through their own valid access credentials.
3. Input, upload, transmit, or otherwise provide to or through RevKeen any information or materials that are unlawful or injurious, including harmful code or malware.
4. Damage, destroy, disrupt, disable, impair, interfere with, or otherwise impede or harm RevKeen's services, systems, or provision of services to any third party.
5. Remove, delete, alter, or obscure any trademarks, warranties, disclaimers, or any copyright, trademark, patent, or intellectual property notices from RevKeen's services.
6. Access or use RevKeen in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any third party, or that violates any applicable law.
7. Access or use RevKeen for purposes of competitive analysis, the development of a competing software service or product, or any other purpose that is to RevKeen's detriment or commercial disadvantage.
8. Access or use RevKeen in, or in association with, the design, construction, maintenance, or operation of any hazardous environments, systems, or applications, including safety-critical applications where service failure could lead to personal injury or severe property damage.
9. Use RevKeen for the benefit of any individual, organisation, or country identified on the UK HM Treasury consolidated sanctions list, the US OFAC Specially Designated Nationals list, the EU consolidated financial sanctions list, or for any third parties unaffiliated with your business.
10. Otherwise access or use RevKeen beyond the scope of the authorisation granted under the Master Services Agreement.

Acceptable products and services

RevKeen is designed to support a broad range of businesses, including both digital and physical goods, services, and hybrid models. Acceptable categories include but are not limited to:

Software and SaaS

• Subscription software and services (B2B and B2C)
• One-time software licences
• Usage-based software billing
• API access and developer tools

Digital products

• eBooks, templates, courses, design assets
• Fonts, icons, photographs, videos, and audio files
• Private content subscriptions (excluding adult content)
• License keys and digital downloads

Professional and personal services

• Healthcare practitioners (doctors, dentists, physiotherapists, psychologists, nutritionists)
• Wellness services (massage, acupuncture, osteopathy, sauna and wellness centres)
• Fitness services (gyms, personal trainers, group classes, specialised fitness)
• Coaching services (life, executive, career)
• Beauty and personal care (salons, spas)
• Coworking and shared workspace memberships
• Professional services (consulting, legal, accounting — in line with regulatory requirements of the respective jurisdiction)

Physical goods and retail

• Physical products sold online with standard shipping
• In-person retail via our PAX A920 Pro card-present terminal integration
• Hospitality (cafes, restaurants, hotels with appropriate terminal or online configuration)
• Event tickets (subject to chargeback monitoring, see Restricted Businesses below)

Nonprofits and charities

• Registered charities and nonprofit organisations
• Donation and fundraising activities (subject to regulatory compliance in the collecting jurisdiction)

If you are unsure whether your business is supported, contact support before signing up. We can confirm eligibility and, where needed, guide you through enhanced underwriting.

Prohibited products and services

You may not use RevKeen to sell any product or service that:

1. Violates any rules or regulations of the card brand networks (Visa, Mastercard, Amex, Discover, JCB, Diners Club, UnionPay).
2. Violates any law or government regulation in the merchant's or customer's jurisdiction.
3. Involves fraudulent, deceptive, unfair, abusive, or predatory practices.
4. Is marketed through outbound telemarketing or unsolicited bulk communications.
5. Threatens reputational damage to RevKeen, our acquiring partner, or any card brand network.
6. Results in or causes a significant risk of chargebacks, fines, damages, or harm and liability.
7. Engages in, encourages, promotes, or celebrates violence or physical harm to persons or property, or toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic.

The following business categories are explicitly prohibited on RevKeen. This list is not exhaustive, and RevKeen reserves the right to add to it at any time at our sole discretion. Accounts accepting payments from prohibited categories may be suspended or terminated:

1. Adult content and services — Pornography, OnlyFans-related services, adult AI-generated content, adult chat services, adult dating services, escort services.
2. Gambling, betting, and gaming of chance — Casinos, sports betting, online poker, lottery services, loot boxes, mystery boxes, skill games with cash payouts.
3. Illegal or age-restricted products — Drugs, cannabis and cannabis-derivative products (other than where explicitly licensed), alcohol sold without age verification, tobacco products, vaping products, fireworks, weapons or ammunition.
4. Cryptocurrencies and blockchain financial products — Crypto-asset exchanges, trading platforms, NFT marketplaces, crypto wallet services, initial coin offerings.
5. Financial trading and advisory services — Trading bots, financial signals platforms, investment advisory services without FCA or equivalent regulatory authorisation, Forex platforms, binary options.
6. "Get rich" schemes and pyramid marketing — Multi-level marketing schemes, guaranteed-return investment programmes, matrix schemes.
7. Services intended for or advertised to minors — Services where the primary user is under 13 (or under 16 in jurisdictions with higher age limits under data protection law) without verified parental consent mechanisms.
8. Pseudo-scientific services — Clairvoyance, fortune-telling, horoscopes, psychic readings, tarot services (when primary offering).
9. Medical and health advice without licensed practitioners — Unlicensed health advice platforms, miracle cures, unverified medical claims.
10. Government services — Services purporting to be affiliated with any government body without authorisation.
11. Cheating products — Game cheats, exam cheats, certification fraud, macros and hacks for online services.
12. Circumvention services — Services designed to bypass paywalls, DRM, terms of service of other platforms, or IP restrictions.
13. IPTV services — Unlicensed streaming of television or film content; IPTV subscription services; IPTV hardware.
14. Malware, viruses, spyware — Any product that damages, surveils, or compromises user systems without consent.
15. API and IP cloaking services — Services that facilitate impersonation or misrepresentation.
16. Third-party trademark removal services — Products that remove or obscure legitimate trademarks.
17. eSIM and unauthorised telecommunications services — Services that resell or facilitate unauthorised SIM cards or telecommunications access.
18. Third-party content downloaders — YouTube, Instagram, TikTok, Snapchat, or similar content-downloader services that violate the source platform's terms of service.
19. Face swap, deep fake, and synthetic media tools — Tools that enable identity misrepresentation, including voice cloning services without consent mechanisms.
20. Fake reviews, testimonials, or social proof platforms — Services that generate or inflate fake reviews, followers, or social engagement.
21. Data broker and OSINT platforms — Services that aggregate, resell, or expose personal data about individuals from public or leaked sources.
22. Unauthorised software licence resale — Resale or redistribution of software licences without authorisation from the original publisher.
23. Counterfeit goods — Counterfeit physical goods, replica products sold as authentic, or goods that infringe on third-party intellectual property.
24. Standardised test preparation with real exam questions — Platforms reselling real or past exam questions for IELTS, SAT, GMAT, GRE, or similar due to copyright infringement and regulatory risk.
25. Direct marketing, lead generation, and unsolicited outreach services — Bulk SMS platforms, cold-email automation, automated outreach tools (though CRMs and marketing automation for your own business are permitted).

RevKeen reserves the right to refuse service to any business at our sole discretion, including for categories not explicitly listed above.

Restricted businesses (enhanced review)

The following categories are supported but require enhanced underwriting review before approval. We may request additional business documentation, proof of licensure, or ongoing monitoring:

• Travel services — Flight bookings, hotel bookings, travel agencies (subject to IATA or equivalent industry licensing where applicable)
• Event ticket sales — Concerts, sports, theatre (subject to chargeback rate monitoring)
• Pre-orders and crowdfunding — Businesses that collect payment before fulfilment must demonstrate a credible fulfilment plan
• Subscription boxes — Physical goods delivered on a subscription cadence
• High-ticket coaching programmes — Coaching services sold at over £5,000 per contract
• Directories and job boards — Platforms that charge for listings or applications
• Paid waitlists and access programmes — Services charging before delivering primary value
• VPN services — Legitimate privacy tools subject to enhanced review
• eBook and digital course platforms — Subject to review for content and IP compliance
• Marketing and advertising services — Digital marketing agencies (excluded if primary offering is unsolicited outreach)
• Pre-licensed industries — Regulated industries such as legal services, medical services, financial advice (where FCA-authorised), insurance brokerage, and accountancy — subject to proof of active licensure in the operating jurisdiction

Categories requiring close review

The following categories require close review during onboarding and ongoing monitoring. Approval is subject to the specific nature of the offering and your business history:

• AI content generation tools (text, image, video, voice) — Subject to review for IP, adult content, deepfake, and misinformation risk
• Marketing and outreach tools — Subject to review that outreach is consent-based, not unsolicited
• Resume, hiring, and exam preparation tools — Subject to review of testimonials, claims, and source material
• Spiritual and astrology services — Supported if not presented as scientific fact or used to make investment or health claims
• Audio, music, and chatbot generators — Supported without voice cloning, NSFW content, IP infringement, or fake claims
• VPS, VDS, and hosting services — Supported for legitimate hosting; excluded for hosting of prohibited content
• Cryptocurrency-adjacent services — Tax tools for crypto holders, educational content, analytics platforms (but not exchanges, custody, or trading services)

Chargebacks and monitoring

Card networks impose monitoring programmes for merchants with elevated chargeback rates:

Because your merchant account is in your name under RevKeen's PayFac sponsorship, these monitoring programmes apply directly to your business. Sustained chargeback rates above scheme thresholds may result in account suspension or termination, independent of other AUP compliance. See Disputes for operational guidance on managing chargeback exposure.

MATCH and Terminated Merchant File

If RevKeen terminates your merchant account for cause — including but not limited to fraud, excessive chargebacks, or AUP violations — you may be reported to the Mastercard Alert to Control High-Risk Merchants (MATCH) file and the Visa Terminated Merchant File (TMF). Being listed on MATCH or TMF typically results in an inability to open a merchant account with any processor for five years.

Termination for cause decisions are made at RevKeen's sole discretion based on evidence of AUP violations, chargeback monitoring programme breaches, fraud indicators, or failure to respond to underwriting or compliance requests.

Changes to this policy

This Acceptable Use Policy may be updated as card network rules, regulations, or RevKeen's risk policies evolve. Material changes are announced by email to all merchants at least 30 days before the effective date, unless a shorter notice period is required by card network rules or regulatory obligations.

Questions and clarifications

If you are unsure whether your business is acceptable under this policy, contact support before signing up. We can confirm eligibility and, where needed, guide you through enhanced underwriting. Ambiguity is safer to resolve before processing begins than after.

For technical guidance on dispute and chargeback handling, see Disputes.