Prohibited Activities

The use of our cards, accounts, or payment services for illegal, abusive, or high-risk activities is strictly prohibited. We may decline transactions, suspend accounts, or terminate access to our services if we determine that your activity violates this policy.

The following categories of activity are prohibited.

Illegal Activities

You may not use the card or any related services for activities that violate any applicable law, regulation, or sanctions regime in any jurisdiction.

Examples include:

• Money laundering or structuring transactions
• Financing terrorism or criminal organizations
• Purchasing or selling illegal goods or services
• Human trafficking or exploitation
• Fraud, theft, or identity theft
• Transactions involving sanctioned individuals, entities, or jurisdictions

Fraud and Abuse

You may not use the card to engage in fraudulent or deceptive practices, including:

• Attempting to bypass card network rules or security controls
• Providing false information to obtain financial services
• Unauthorized use of another person's payment credentials
• Transaction laundering or processing payments for undisclosed merchants
• Manipulating refunds, chargebacks, or disputes

Prohibited Merchant Categories

Cards may not be used to purchase or facilitate transactions involving certain restricted or high-risk categories, including:

• Illegal drugs, narcotics, or controlled substances
• Counterfeit goods or intellectual property infringement
• Unlicensed gambling or betting services
• Escort services or illegal adult services
• Weapons, ammunition, or explosives where prohibited by law
• Stolen goods or illicit marketplaces

Certain regulated industries (such as pharmaceuticals, gambling, or adult content) may only be permitted where explicitly authorized and compliant with applicable laws and payment network rules.

Sanctions and Restricted Jurisdictions

Cards may not be used for transactions involving countries, individuals, or organizations subject to economic sanctions or trade restrictions imposed by applicable authorities.

We may block transactions that involve restricted jurisdictions or sanctioned parties.

Misuse of the Payment Network

Activities that undermine the integrity or security of the payment system are prohibited, including:

• Circumventing transaction monitoring systems
• Using cards to obtain cash equivalents for illegal purposes
• Card testing or automated transaction attacks
• Excessive chargebacks or suspicious payment patterns

Harmful or Abusive Conduct

Cards may not be used to facilitate:

• Hate speech or extremist activity
• Harassment, threats, or violence
• Exploitation of minors or vulnerable individuals

Enforcement

If we determine that your account or card has been used for prohibited activities, we may take one or more of the following actions:

• Decline or reverse transactions
• Suspend or close your account
• Restrict card usage
• Report activity to financial institutions or regulators
• Cooperate with law enforcement authorities

Updates to This Policy

We may update this Prohibited Activities Policy at any time to reflect changes in law, regulation, or payment network rules.

If you have questions about this policy, please contact support.