Payment Rules and Regulations

We are unable to process some or all payments to payees in the following categories. Please review this list and ensure your payments align with our policies.

Industry Definitions

• Bail / bail bonds – Businesses that provide financial guarantees to secure a defendant’s release from custody.
• Bankruptcy services – Firms or practitioners assisting individuals or companies through formal insolvency or bankruptcy proceedings.
• Cable / satellite / streaming services – Providers of subscription-based television, radio, or digital streaming content.
• Cash at point of sale – Merchants dispensing cash directly to customers without being a licensed financial institution.
• Unregistered charities – Non-profit organizations accepting donations that are not registered at a state or federal level.
• Check cashing / guarantee – Services that cash cheques or guarantee payment of cheques for consumers.
• Child pornography – Illegal material involving the exploitation of minors.
• Condo down payments – Payments toward the purchase deposit for residential real estate units.
• Credit restoration – Businesses offering services to improve or repair a consumer’s credit profile.
• Debt collection – Companies collecting overdue debts on behalf of creditors.
• Digital file hosting / cyberlockers – Platforms allowing users to upload, store, and share digital files.
• Door-to-door sales – Sales activities conducted by travelling sales agents visiting customers directly.
• Education providers and facilities – Institutions delivering academic, vocational, or professional training.
• Elementary and secondary schools – Schools providing primary and high school education.
• Colleges & universities – Accredited institutions offering tertiary academic degrees.
• Correspondence schools – Providers delivering remote or distance-learning coursework.
• Business & secretarial schools – Vocational institutions teaching administrative or clerical skills.
• Vocational & trade schools – Schools offering specialised training for skilled trades.
• Schools & educational services – Educational service providers not tied to a specific institution type.
• Child care services – Providers delivering paid supervision and care for children.
• Escort services – Businesses offering paid companionship or adult-oriented services.
• Foreign exchanges – Services converting one currency into another.
• Gambling – Activities involving wagering money on games of chance or betting.
• Healthcare providers & facilities – Organisations delivering medical or clinical care.
• Doctors & physicians – Licensed medical practitioners.
• Nursing, home health and personal care – In-home medical or personal support services.
• Hospitals – Facilities offering inpatient and outpatient medical treatment.
• Medical services and practitioners – Allied health professionals offering clinical services.
• Investment on futures – Trading or brokerage services related to futures markets.
• Licensed insolvency practitioners – Professionals authorised to manage insolvency or restructuring processes.
• Mortgage payments – Payments made toward residential or commercial property loans.
• Multi-level marketing / pyramid selling – Direct-selling models based on downline recruitment.
• Online adult entertainment – Platforms providing sexually explicit digital content.
• Payment aggregators / PFs / TPSPs – Intermediaries processing payments for multiple sub-merchants.
• Payday lending – Short-term, high-interest loans repaid on a borrower’s next payday.
• Payroll – Services managing employee wage disbursements.
• Pharmacies (card-not-present) – Remote or online pharmacy fulfilment services.
• Political party donations – Monetary contributions to political organisations.
• Prostitution – Commercial provision of sexual services.
• Related entities – Payments between businesses under common ownership or control.
• Telemarketing – travel-related – Phone-based selling of travel services.
• Timeshares – Businesses selling shared ownership in vacation properties.
• Tobacco / smokeless tobacco (card-not-present) – Remote sales of tobacco or nicotine products.
• Top-up wallet – Services enabling customers to load funds into digital wallets.
• Travel industry – Merchants offering transportation, lodging, or tours.
• Unlicensed massage parlours – Massage providers operating without required licences.
• Virtual currency / cryptocurrency – Businesses dealing in digital or blockchain-based currencies.
• Wire transfers (in-person) – Face-to-face money transfer services.
• Debt repayment – Payments to settle personal or commercial loans.
• Securities brokers / dealers – Firms facilitating the trading or custody of securities.
• Manual cash disbursements – In-person cash payouts performed manually.
• Telecommunication services – Providers of voice calling or long-distance services.
• Direct marketing – outbound telemarketing – Unsolicited outbound sales calls.

If you’re unsure if a payment you have planned falls within one of our prohibited industries or payment categories, please don’t hesitate to contact us at support@payrewards.com.

We reserve the right to refuse or postpone any Payment Instruction for any reason and at any stage of the transaction process, in our absolute discretion, as outlined in our Terms and Conditions.